CN107688645B

CN107688645B - Policy data processing method and terminal equipment

Info

Publication number: CN107688645B
Application number: CN201710764496.3A
Authority: CN
Inventors: 李毅
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2017-08-30
Filing date: 2017-08-30
Publication date: 2020-04-10
Anticipated expiration: 2037-08-30
Also published as: WO2019041748A1; CN107688645A

Abstract

The invention provides a policy data processing method and terminal equipment, which are applicable to the technical field of data processing, and the method comprises the following steps: utilizing a big data analysis tool to divide the client types according to the policy expiration time in the policy data of the client; obtaining a renewal failure client list corresponding to the renewal failure client according to the personal information data in the policy data; outputting a renewal failure client list corresponding to the renewal failure client and the policy data corresponding to the renewal failure client; reading the client contact information of the client whose insurance will expire, generating the renewal information according to the insurance policy data corresponding to the client whose insurance will expire, and pushing the renewal information according to the client contact information. Through improving the efficiency of policy data processing and enriching the functions of analyzing and processing policy data, the intelligent degree of policy data analysis and processing is greatly improved.

Description

Policy data processing method and terminal equipment

Technical Field

The invention belongs to the technical field of data processing, and particularly relates to a policy data processing method and terminal equipment.

Background

The insurance policy is called insurance policy for short, and is formal written proof that the insurer and the insured are making an insurance contract, in which the information of right obligation and responsibility, client information, business worker information, insurance policy starting time and insurance policy expiring time of the insurance policy validity period and the like of the parties of the insurance policy are recorded. In practical situations, in order to improve the success rate of renewal of a customer, the power consumption marketing system is used for conducting renewal condition analysis on existing list data of the customer and corresponding policy data, the policy data which fails in renewal are identified, and after the list of the customer which fails in renewal is determined according to the policy data which fails in renewal, a worker can return visit to the customer according to the list of the customer which fails in renewal.

However, the existing electricity marketing system can only identify the client list with continuous guarantee failure from the client list and the corresponding policy data, the function is single, and meanwhile, because the existing client list and the corresponding policy data can reach the order of hundred million, the data volume is huge, the existing electricity marketing system usually needs very long processing time to identify the client list with continuous guarantee failure from the client list, and the efficiency of processing the policy data is extremely low. Therefore, in the prior art, the analysis and processing efficiency of the policy data is low, the function is single, and the intelligent degree is insufficient.

Disclosure of Invention

In view of this, embodiments of the present invention provide a policy data processing method and a terminal device, so as to solve the problem in the prior art that the analysis and processing of policy data are not intelligent enough.

A first aspect of an embodiment of the present invention provides a policy data processing method, including:

utilizing a big data analysis tool to perform client type division on a client according to the policy expiration time in policy data of the client, and identifying a renewal failure client of which the policy expiration time is less than or equal to the current time and an insuring imminent expiration client of which the difference between the policy expiration time and the current time is less than a preset time, wherein the policy expiration time is the policy expiration time in one policy data of which the policy start time of the policy validity period is closest to the current time in all policy data corresponding to each client;

extracting personal information data of the renewal failure client from the policy data corresponding to the renewal failure client, and generating a renewal failure client list according to the personal information data;

outputting the renewal failure client list corresponding to the renewal failure client and the policy data corresponding to the renewal failure client;

and reading the client contact information of the client whose insurance will expire, generating renewal information according to the policy data corresponding to the client whose insurance will expire, and pushing the renewal information according to the client contact information.

A second aspect of an embodiment of the present invention provides a policy data processing terminal device, where the policy data processing terminal device includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the following steps when executing the computer program:

A third aspect of an embodiment of the present invention provides a computer-readable storage medium, including: a computer program is stored, characterized in that the computer program realizes the steps of the policy data processing method as described above when executed by a processor.

Compared with the prior art, the embodiment of the invention has the following beneficial effects: the insurance policy data and the list data with huge data volume are processed through a special big data analysis tool, and the efficiency of processing the insurance policy data is greatly improved. Meanwhile, customer type classification is carried out on the customers through the policy data, the policy data of the customers of different customer types are respectively processed, corresponding policy renewal failure customer lists and policy data are output for workers to inquire and return visit for the policy renewal failure customers with the policy expiration time less than or equal to the current time, and the applicable policy upcoming expiration customers with the policy expiration time difference less than the preset time are pushed with the policy renewal information to help the customers to know the appropriate insurance information so as to remind and help the customers to renew the policies, so that the function of analyzing and processing the policy data is enriched. Through improving the efficiency of the policy data processing and enriching the functions of analyzing and processing the policy data, the intelligent degree of the policy data analysis processing is greatly improved, and meanwhile, the success rate of the continuous maintenance is also improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a schematic flow chart illustrating an implementation of a policy data processing method according to an embodiment of the present invention;

FIG. 2 is a schematic flow chart illustrating an implementation of a policy data processing method according to a second embodiment of the present invention;

fig. 3 is a schematic flow chart illustrating an implementation of a policy data processing method according to a third embodiment of the present invention;

fig. 4 is a schematic flow chart illustrating an implementation of a policy data processing method according to a fourth embodiment of the present invention;

fig. 5 is a schematic flow chart illustrating an implementation of a policy data processing method according to a fifth embodiment of the present invention;

fig. 6 is a schematic structural diagram of an insurance policy data processing apparatus according to a sixth embodiment of the present invention;

fig. 7 is a schematic diagram of a policy data processing terminal device according to a seventh embodiment of the present invention.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

In order to explain the technical means of the present invention, the following description will be given by way of specific examples.

Fig. 1 shows a flowchart of an implementation of a policy data processing method according to an embodiment of the present invention, which is detailed as follows:

s101, utilizing a big data analysis tool to divide client types according to the policy expiration time in the policy data of the client, and identifying a renewal failure client with the policy expiration time being less than or equal to the current time and an insuring upcoming expiration client with the policy expiration time being less than the preset time, wherein the policy expiration time is the policy expiration time in one policy data which is closest to the current time in the policy start time of the policy validity period in all the policy data corresponding to each client.

Because the data volume of the existing insurance policy data and the list data of the clients is too large, the traditional electricity marketing system has low processing efficiency, and sometimes the client list with failure of continuous insurance cannot be screened all night, the traditional electricity marketing system is difficult to keep up with the actual requirement. In the embodiment of the invention, in order to improve the data processing speed, a professional big data analysis tool is adopted to process the policy data and the list data, and meanwhile, the characteristic that the big data analysis tool has rich data screening and processing functions is utilized to guarantee the subsequent classification and identification of various client types.

Further, before S101, the method further includes: and when the storage system of the policy data is identified to be a distributed file system, selecting a Hive tool as a big data analysis tool.

In practical applications, for data materials with large data volume, there are two storage systems, namely a centralized file system and a distributed file system, in general, where the centralized file system is to store the data materials in a storage medium of the same network node, for example, to store all the data materials in a local computer storage disk, and the distributed file system is to store the data materials in different network nodes separately, for example, to store the data materials in servers corresponding to different network nodes. Because different storage systems have different reading/storing modes, different big data analysis tools are selected according to different storage systems in the embodiment of the invention. The Hive tool Hadoop data warehouse tool can map structured data files into a database table, provides a simple Structured Query Language (SQL) query function, and is a big data analysis tool in a distributed file system. In view of the advantages of local learning cost and high analysis processing speed, in order to increase the processing speed of policy data, in the embodiment of the present invention, it is preferable to select a Hive tool as a big data analysis tool to perform analysis processing on policy data when the storage system of policy data is a distributed file system.

In actual operation, after a client purchases insurance and signs an insurance policy, an insurance company stores basic information in the client insurance policy, such as personal information of the client, insurance type, insurance validity period, insurance beneficiary, business transactor and the like, as insurance policy data corresponding to the client. Meanwhile, personal information of all clients who purchase insurance, such as names, mobile phone numbers and the like, is sorted into a total client name list data to be stored, so that the daily work of workers can be called conveniently. The policy validity period includes policy start time and policy expiration time, and each client may have a plurality of corresponding policies with different validity periods because the client may renew its policy after one policy validity period expires. In the embodiment of the present invention, since it is necessary to identify the expiration of the policy validity period of the client with respect to the current time and classify the client type based on the expiration, the latest policy of the client is used as a reference object, and thus, the policy expiration time used for identifying the client type in the embodiment of the present invention refers to the policy expiration time in a policy whose policy start time of the validity period is closest to the current time among all policies corresponding to each client.

In the embodiment of the invention, the client types comprise a renewal failure client and an insurance imminent due client, and the policy due time of the policy valid period of the two clients is respectively before and after the current time, so that the client types can be distinguished and identified according to the policy due time of the policy valid period.

Wherein, when the policy expiration time of the validity period in the policy is less than or equal to the current time, it indicates that the validity period has passed by the current policy. Meanwhile, as can be seen from the above description, the policy expiration time in the embodiment of the present invention refers to the policy expiration time in the policy whose policy start time of the validity period is closest to the current time, so that when the policy expiration time of the validity period in the policy is less than or equal to the current time, it indicates that the client does not perform a renewal at the current time, that is, the client belongs to the renewal failure client.

And (3) comparing the difference between the policy expiration time and the current time, wherein if the policy expiration time is 10 and 30 days in 2017 and the current time is 10 and 1 days in 2017, the obtained difference is 29 days from 10 and 30 days in 2017 to 10 and 1 days in 2017, and then comparing the difference of 29 days with the preset time. In the embodiment of the present invention, the preset time may be set by a technician according to an actual situation, but since the insurance policy data identifies the insurance-soon-due client whose insurance is about to expire in S101, preferably, the preset time is not too long, and optionally, the preset time is set to 20 days.

As a specific implementation manner of the invention, because the time span of the stored policy data is large, in practical operation, the user only wants to know the renewal of the client from a certain time point to the current time, such as the renewal of all clients from 1 month and 1 day of the last year to the current time. At this time, in order to reduce the processing workload on the policy data and the list data, in the embodiment of the present invention, a staff may set and input an analysis policy starting time of one policy data, for example, set the analysis policy starting time to 1 month and 1 day of the last year. After receiving the analysis policy starting time input by the staff, filtering the policy data of all the policy expiration times with the valid period before the analysis policy starting time, namely, only the policy data of the policy expiration times with the valid period after the analysis policy starting time needs to be analyzed.

S102, extracting the personal information data of the renewal failure client from the policy data corresponding to the renewal failure client, and generating a renewal failure client list according to the personal information data.

In the embodiment of the invention, besides the list of clients who fail to renew their insurance, the list of clients who will expire after their insurance application can be generated according to the policy data of the clients who will expire after their insurance application identified in S101, so that the clients can use the list as needed by the staff.

In the embodiment of the invention, the client types of the clients corresponding to the policy data are classified according to the policy expiration time, and the client list corresponding to each client type is obtained by classification, so that compared with the prior art that only the client list failing to continue the policy is obtained, the policy data processing function is enriched.

S103, outputting the renewal failure client list corresponding to the renewal failure client and the policy data corresponding to the renewal failure client.

In the embodiment of the invention, after the renewal failure client list is obtained, the obtained renewal failure client list and the corresponding policy data are output to the current working personnel who are operating, so that the working personnel can return visit of the renewal failure client according to the renewal failure client list and the corresponding policy data, and the success rate of renewal of the client is improved.

S104, reading the client contact information of the customer whose insurance will expire, generating the renewal information according to the insurance policy data corresponding to the customer whose insurance will expire, and pushing the renewal information according to the client contact information.

In the embodiment of the invention, the customer contact information is contained in the customer personal information in the policy data, and the customer contact information includes but is not limited to a telephone number, a mailbox address and the like of the customer. The renewal information includes the expiration time of the current policy of the client, and some insurance information related to the client's insurance category. Although the policy validity period of the client about to expire after the application is not expired, the policy validity period is very close to the policy expiration time, so that in order to improve the success rate of the client in continuing the application, in the embodiment of the invention, some related information of continuing the application is pushed to the client, and the client is reminded of expiring the policy immediately and is provided with some insurance information for reference so as to help the client to continue the application in time.

In the embodiment of the present invention, the specific manner of pushing the renewal information is not limited, and can be set by a technician according to the actual situation. Preferably, the selection should be performed in combination with a specific customer contact address, for example, when the customer contact address includes a mailbox address, the push may be performed in a mail manner, and when the customer contact address includes a telephone number, the push may be performed in a short message manner.

As a preferred embodiment of the invention, while the information of renewal insurance information is pushed, the list of clients about to expire and the corresponding insurance policy data can be output to the staff, so as to help the staff to track and master the insurance status of the clients about to expire of the insurance in time and return to the clients about to expire of the insurance in time, thereby improving the success rate of subsequent client renewal.

In the embodiment of the invention, in order to further improve the success rate of client renewal, besides the processing and identification of the policy data of the client who fails in renewal, the identification of the client who is about to expire and the reminding and help of the client who is about to expire to renew the policy by the ways of information push of renewal information and the like are added, so that the functions of analyzing and processing the policy data are enriched, and the success rate of renewal of the client is improved.

As a second embodiment of the present invention, as shown in fig. 2, after S103, the method further includes:

s201, receiving a client return visit result marking instruction input by a user, and marking a renewal failure client in a renewal failure client list according to the client return visit result marking instruction to obtain client return visit data.

After the renewal failure client list and the policy data are output to the staff, the staff can make one-to-one revisit to the renewal failure client according to the information so as to improve the renewal rate of the renewal failure client. The revisit mark means that after the staff revisit the renewal failure client, the renewal failure client is classified and marked according to the revisit result, wherein the revisit mark comprises the following types and specific meanings:

the loss of contact mark is that the contact information of the renewal failure client is invalid and the renewal failure client which can not get contact is unavailable;

giving up the renewal mark, which is a renewal failure client who clearly shows that the renewal is not wanted to be carried out any more in the return visit;

the renewal success mark is a renewal failure client who succeeds in renewal in the return visit process;

the intention renewal mark is a renewal failure client who indicates a wish to renew a renewal even though the renewal is not performed in the return visit process.

After the return visit of each renewal failure client is completed, the staff marks the renewal failure client according to the actual return visit result and inputs the corresponding client return visit result marking instruction, thus completing the return visit marking of the renewal failure client in the renewal failure client list.

S202, extracting a return visit failure list of the renewal failure client with the return visit mark as an unconnection mark and the abandon renewal mark from the return visit data of the client.

And S203, screening the stored client name list data according to the return visit failure name list, and storing the obtained active application list.

The lost connection mark and the abandoned renewal mark represent that the renewal failed clients of the return visit can not renew the renewal, namely, the staff fails to return visit to the renewal failed clients. The clients with the renewal failure of the return visit are sorted out to form a return visit failure list, and then the clients with the renewal failure are removed from the stored total client name list data, so that an active insurance list containing the clients who are normally kept and the clients who are willing to renew the renewal can be obtained.

Because all the active insurance lists are clients with active insurance applications, such as insurance application and intentional renewal, and the approval of insurance business of the insurance company is relatively high, the active insurance lists can be output to workers after being obtained so as to help the workers to perform subsequent client tracking/popularization work.

As an embodiment of the present invention, after S203, the method further includes: and receiving an activity pushing instruction and activity data input by a user, and pushing the activity data to the client in the active insurance list. In the embodiment of the invention, the staff can directly utilize the active application list to push the activity data so as to improve the efficiency of activity promotion.

As a specific implementation manner of S103, as shown in fig. 3, as a third embodiment of the present invention, the implementation manner includes:

and S1031, reading the corresponding contact mode of the working personnel of each renewal failure client in the renewal failure client list.

Because the client information and the staff information (namely, the business staff handling the insurance policy) corresponding to the insurance policy are recorded in each insurance policy, the embodiment of the invention can directly acquire the staff information corresponding to each insurance policy according to the insurance policy data, and then determine the corresponding staff contact way according to the staff information in the insurance policy, so that the staff contact way corresponding to each client in the client list with continuous insurance failure can be determined. Because the staff information stored in the actual insurance policy is sometimes simpler, such as only including the name and the job number of the staff, at this time, the embodiment of the invention can inquire the detailed information of the staff according to the name and the job number of the staff, thereby obtaining the required contact information of the staff.

S1032, generating client revisitation information corresponding to each renewal failure client according to the personal information and the policy data corresponding to each renewal failure client in the renewal failure client list, and outputting the renewal failure client list and the client revisitation information through the contact way of the staff, so that the staff can receive the client revisitation information corresponding to each renewal failure client in the renewal failure client list.

In the embodiment of the invention, the success rate of revising and renewing is relatively large in consideration of the fact that the staff signing the policy with the client is familiar with the clients, so that after the renewal failure client list is obtained, the embodiment of the invention generates corresponding client revisiting information for each client in the renewal failure client list and sends the client revisiting information to the staff recorded in the policy corresponding to the client, thereby improving the success rate of the renewal of the client.

In the embodiment of the invention, the contact way of the staff corresponding to the client in the policy data of the renewal failure client list is read, and the client return visit information generated by the personal information of the client and the policy data corresponding to the client is sent to the staff corresponding to the client one by one through the contact way of the staff, so that the analysis and processing functions of the policy data are further enriched, and the success rate of the renewal of the client by the original staff is relatively high, and the success rate of the renewal of the client is improved.

As a specific implementation manner of S104, as shown in fig. 4, as a fourth embodiment of the present invention, the method includes:

and S1041, reading policy data corresponding to the client whose insurance will expire soon.

And respectively searching the policy with the closest valid period policy starting time and current time for the policy data corresponding to each client which is about to expire for the application, and taking the searched policy as the policy data corresponding to each client which is about to expire for the application. That is, in S1041, the policy data corresponding to each insurable due client only contains one policy with the policy start time of the validity period closest to the current time.

S1042, acquiring the insurance policy data corresponding to the clients whose insurance application will expire and the N pieces of insurance information which are closest to the current time, and generating the insurance continuation prompt information, wherein N is a positive integer.

The N pieces of insurance information related to the policy data corresponding to the customer whose insurance will expire and closest to the current time refer to that, for each customer whose insurance will expire, after determining the corresponding policy data in S1041, the insurance type of the policy is read, and the N pieces of insurance information which are the same as the insurance type of the policy and whose update time is closest to the current time are found from the preset insurance information base. The specific value of N is set by a technician according to actual requirements, and the insurance information includes but is not limited to information such as insurance terms and insurance policies. If N is 3 and the policy type is disease insurance, the latest 3 pieces of insurance information are selected from the insurance information related to disease insurance in the preset insurance information base.

The insurance continuation prompting information is used for reminding the client that the valid period of the insurance policy is about to expire and needing to be continued in time, and comprises any one or more prompting modes such as but not limited to characters, voice or videos.

S1043, reading the client contact information corresponding to the client whose insurance will expire, and pushing the renewal information according to the client contact information, wherein the renewal information comprises the expiration time of the insurance policy, the renewal prompt information and the N pieces of insurance information.

After obtaining N insurance information and guarantee continuation prompt information corresponding to each client who is about to expire the insurance application, taking the expiration time of the insurance policy, the guarantee continuation prompt information and the N insurance information as the final guarantee continuation information to be pushed, and pushing one by one according to the contact way of each client who is about to expire the insurance application. Therefore, each client who is about to expire in insurance application can acquire the renewal information corresponding to the client, acquire the insurance policy expiration time and renewal prompt of the client, and acquire insurance information related to the client's own insurance.

In the embodiment of the invention, the insurance information of the client about to expire of the insurance policy is acquired correspondingly, the corresponding insurance continuation prompt information is generated, and the insurance policy expiration time, the insurance continuation prompt information and the N pieces of insurance information are pushed as the insurance continuation information to remind and help the client about to expire of the insurance policy to continue the insurance policy, so that the function of analyzing and processing the insurance policy data is enriched, and the success rate of the client's insurance continuation is improved.

As a fifth preferred embodiment of the present invention, as shown in fig. 5, the present invention includes:

and S105, judging whether the insurance amount in the policy data is larger than the preset amount or not when the policy due time is identified to be larger than the current time.

In the first embodiment of the invention, the clients which have been applied with the insurance policy are distinguished according to the size relationship between the expiration time of the insurance policy and the current time in the insurance policy data, and concepts of the clients which fail to continue the insurance policy and the clients which are about to expire the insurance policy are provided. However, in practice, in addition to the above two types of clients, there is a specific type of high-quality client with a large amount of insurance and with a timely renewal among the clients whose valid period and expiration time of the policy are longer than the current time, which is also called a high-quality client. Because the acceptance of the high-quality client to the policy is higher, and the policy has stronger continuous awareness compared with the common client, the follow-up return visit of the high-quality client can be timely tracked, and the continuous guarantee success rate of the high-quality client can be greatly improved. In the embodiment of the invention, in order to ensure the timely tracking of the high-quality clients and improve the success rate of the continuous insurance of the high-quality clients, the high-quality clients are screened from the clients with the expiration time of the insurance policy of the validity period being greater than the current time, and the related information of the high-quality clients is output to be used for the timely tracking of the high-quality clients by the staff.

In the embodiment of the invention, firstly, the stored policy is screened according to the insurance amount in the policy data to find out the policy with larger insurance amount and the corresponding customer. The specific value of the preset money amount needs to be determined and set by a technician according to actual conditions.

S106, calculating the renewal timeliness rate of the policy data with the insurance amount larger than the preset amount, identifying all high-quality customers with the renewal timeliness rate larger than the preset threshold value, and obtaining a high-quality customer list corresponding to the high-quality customers.

The specific method for calculating the continuous guarantee timeliness rate comprises the following steps: and inquiring the renewal time of the policy corresponding to each client screened in the step S105, and reading the expiration time of the policy in the validity period before the renewal time. According to the formula: the renewal time rate is 1- (renewal time-policy expiration time)/schedule renewal period, and the respective calculation of the renewal time rate of each client screened out is performed. The scheduled renewal period is a preset buffer time for the client to renew again after the expiration of the application, and the specific requirement is set by a technician according to an actual requirement. The policy expiration time is 1/2017/6/10/2017, the renewal time is 1/2017/6/10, and the planned renewal period is 30, wherein the renewal time rate is 1-9/30-70%.

It should be understood that while there are some new first-insured customers whose insurance amount is greater than the preset amount among those whose expiration time of the policy is greater than the current time, there is no renewal time data in their corresponding policy for the new customer since only renewal customer's policy has renewal time data. Therefore, in the embodiment of the invention, the new customers are not worried about being mistakenly identified as the high-quality customers which are continuously maintained.

And after obtaining the renewal timeliness rate of the client, comparing the renewal timeliness rate with a preset threshold, and identifying the client with the renewal timeliness rate larger than the preset threshold as a high-quality client to generate a high-quality client list corresponding to the high-quality client.

And S107, generating high-quality client prompting information, and outputting a high-quality client list, policy data corresponding to the high-quality client and the high-quality client prompting information.

After obtaining the list of high-quality clients corresponding to the high-quality clients, the list of high-quality clients and relevant information of the high-quality clients, such as policy data corresponding to each high-quality client, need to be output to the staff. Meanwhile, in order to enable workers to know that the information is related to the high-quality customer and need to track in time, in the embodiment of the invention, high-quality customer prompt information is produced and output at the same time.

As a specific implementation manner of S107, reference may be made to the third embodiment of the present invention to output the relevant information of the high-quality client one by one corresponding to the staff, so as to improve the success rate of the high-quality client for continuous maintenance.

In the embodiment of the invention, by identifying the high-quality client and outputting the relevant information of the high-quality client and the prompt information of the high-quality client to the staff, the staff can effectively track and return visit to the high-quality client in time, thereby improving the success rate of continuing to keep the high-quality client and enriching the analysis and processing functions of the policy data.

In the embodiment of the invention, the policy data and the list data with huge data volume are processed by big data analysis tools such as Hive and the like, so that the processing efficiency of the policy data is greatly improved. Meanwhile, the client is classified into three different client types through the policy data, and client information output or continuation information push is respectively processed according to the characteristics of each client type, so that the staff is helped to track and return visits of the client in time, the client is reminded to be helped to continue the insurance, the processing and analyzing functions of the policy data are greatly enriched, and the success rate of continuation of the client is improved. By promoting the processing data of the policy data and enriching the analysis processing function of the policy data, the intelligent degree of the policy data analysis processing is greatly improved.

Fig. 6 shows a block diagram of a policy data processing apparatus according to an embodiment of the present invention, which corresponds to the method of the above embodiment, and only shows the relevant parts according to the embodiment of the present invention for convenience of description. The policy data processing device illustrated in fig. 6 may be an execution subject of the policy data processing method provided in the first embodiment.

Referring to fig. 6, the policy data processing apparatus includes:

the type identification module 61 is configured to, by using a big data analysis tool, perform client type division on a client according to policy expiration time in policy data of the client, identify a renewal failure client whose policy expiration time is less than or equal to a current time, and an imminent expiration client whose insurance application is subject to expiration whose difference between the policy expiration time and the current time is less than a preset time, where the policy expiration time is a policy expiration time in a policy data set that is closest to the current time to a policy start time of a policy validity period in all policy data corresponding to each client.

A first list obtaining module 62, configured to extract personal information data of the renewal failure client from the policy data corresponding to the renewal failure client, and generate a renewal failure client list according to the personal information data.

And a list output module 63, configured to output the renewal failure client list corresponding to the renewal failure client and the policy data corresponding to the renewal failure client.

And the information pushing module 64 is used for reading the client contact information of the client whose insurance will expire, generating renewal information according to the policy data corresponding to the client whose insurance will expire, and pushing the renewal information according to the client contact information.

Further, the policy data processing device further comprises:

and the return visit marking module receives a client return visit result marking instruction input by a user, and marks the return visit of the renewal failure client in the renewal failure client list according to the client return visit result marking instruction to obtain client return visit data.

And the list generation module extracts the return visit failure list of the client with the return visit mark as the lost connection mark and the renewal mark abandoned from the client return visit data.

And the list screening module screens the stored client list data according to the return visit failure list and stores the obtained active insurance list.

Further, the list output module 63 includes:

and the contact determination submodule is used for reading the contact information of the staff corresponding to each renewal failure client in the renewal failure client list.

And the policy output sub-module is used for generating client return visit information corresponding to each renewal failed client according to the personal information corresponding to each renewal failed client in the renewal failed client list and the policy data, and outputting the renewal failed client list and the client return visit information through the contact way of the staff, so that the staff can receive the client return visit information corresponding to each renewal failed client in the renewal failed client list.

Further, the information pushing module 64 includes:

and the policy identification submodule is used for reading the policy data corresponding to the client which is about to expire after the application of the policy.

And the information generation submodule is used for acquiring N pieces of insurance information which are related to the insurance policy data corresponding to the clients whose insurance will expire soon and are closest to the current time, and generating insurance continuation prompt information, wherein N is a positive integer.

And the information pushing submodule is used for reading a client contact way corresponding to the client with the coming-to-maturity insurance policy and pushing renewal information according to the client contact way, wherein the renewal information comprises the expiration time of the insurance policy, the renewal prompt information and the N pieces of insurance information.

Further, the policy data processing device further comprises:

and the insurance amount judging module is used for judging whether the insurance amount in the insurance policy data is larger than the preset amount when the fact that the expiration time of the insurance policy is larger than the current time is identified.

And the second list acquisition module is used for calculating the renewal timeliness rate of the policy data of which the insurance amount is greater than the preset amount, identifying all high-quality customers of which the renewal timeliness rate is greater than a preset threshold value, and obtaining a high-quality customer list corresponding to the high-quality customers.

And the information output module is used for generating high-quality client prompt information and outputting the high-quality client list, the policy data corresponding to the high-quality client and the high-quality client prompt information.

The process of implementing each function by each module in the policy data processing apparatus provided in this embodiment may specifically refer to the description of the first embodiment shown in fig. 1, and is not described herein again.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.

It will also be understood that, although the terms first, second, etc. may be used herein to describe various elements in some embodiments of the invention, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, a first contact may be termed a second contact, and, similarly, a second contact may be termed a first contact, without departing from the scope of the various described embodiments. The first contact and the second contact are both contacts, but they are not the same contact.

Fig. 7 is a schematic diagram of a policy data processing terminal device according to an embodiment of the present invention. As shown in fig. 7, the policy data processing terminal device 7 of the embodiment includes: a processor 70, a memory 71 and a computer program 72, such as a computer program, stored in said memory 71 and executable on said processor 70. The processor 70, when executing the computer program 72, implements the steps in the various policy data processing method embodiments described above, such as the steps 101 to 104 shown in fig. 1. Alternatively, the processor 70, when executing the computer program 72, implements the functions of the modules/units in the above-described device embodiments, such as the functions of the modules 61 to 64 shown in fig. 6.

The policy data processing terminal device 7 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The policy data processing terminal device may include, but is not limited to, a processor 70, a memory 71. It will be appreciated by those skilled in the art that fig. 7 is merely an example of the policy data processing terminal device 7 and does not constitute a limitation of the policy data processing terminal device 7 and may include more or less components than those shown, or combine some components, or different components, for example, the policy data processing terminal device may further include an input-output device, a network access device, a bus, etc.

The Processor 70 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The memory 71 may be an internal storage unit of the policy data processing terminal device 7, such as a hard disk or a memory of the policy data processing terminal device 7. The memory 71 may also be an external storage device of the policy data processing terminal device 7, such as a plug-in hard disk, a Smart Memory Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the policy data processing terminal device 7. Further, the memory 71 may also include both an internal storage unit and an external storage device of the policy data processing terminal device 7. The memory 71 is used for storing the computer program and other programs and data required by the policy data processing terminal device. The memory 71 may also be used to temporarily store data that has been output or is to be output.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.

Claims

1. A policy data processing method, comprising:

reading a client contact way of the client whose insurance will expire, generating renewal information according to the policy data corresponding to the client whose insurance will expire soon, and pushing the renewal information according to the client contact way; wherein, the client contact information comprises the telephone number or the e-mail of the client, and the information of the renewal information comprises insurance consultation related to the client insurance type.

2. The method of claim 1, wherein after outputting the list of renewal failure customers corresponding to the renewal failure customer and the policy data corresponding to the renewal failure customer, further comprising:

receiving a client return visit result marking instruction input by a user, and marking the renewal failure client in the renewal failure client list according to the client return visit result marking instruction to obtain client return visit data;

extracting a return visit failure list of the client with the return visit mark as an unconnection mark and the renewal failure client for giving up the renewal mark from the client return visit data;

and screening the stored customer name list data according to the return visit failure name list, and storing the obtained active application list.

3. The method of claim 1, wherein outputting the list of renewal failure customers corresponding to the renewal failure customer and the policy data corresponding to the renewal failure customer comprises:

reading out the contact information of the staff corresponding to each renewal failure client in the renewal failure client list;

and generating client revisitation information corresponding to each renewal failure client according to the personal information corresponding to each renewal failure client in the renewal failure client list and the policy data, and outputting the renewal failure client list and the client revisitation information through the contact way of the staff, so that the staff can receive the client revisitation information corresponding to each renewal failure client in the renewal failure client list.

4. The method for processing policy data according to claim 1, wherein the reading of the customer contact information of the customer whose insurance will expire soon, the generating of the renewal information according to the policy data corresponding to the customer whose insurance will expire soon, and the pushing of the renewal information according to the customer contact information comprises:

reading the policy data corresponding to the client which will expire after the application of the insurance;

acquiring N pieces of insurance information which is related to the insurance policy data corresponding to the client about to expire after the insurance application and is closest to the current time, and generating insurance continuation prompt information, wherein N is a positive integer;

and reading a client contact way corresponding to the client whose insurance will expire, and pushing renewal information according to the client contact way, wherein the renewal information comprises the expiration time of the insurance policy, the renewal prompt information and the N pieces of insurance information.

5. The policy data processing method according to claim 1, further comprising:

when the policy expiration time is identified to be greater than the current time, judging whether the insurance amount in the policy data is greater than a preset amount;

calculating the renewal timeliness rate of the policy data of which the insurance amount is greater than the preset amount, identifying all high-quality customers of which the renewal timeliness rate is greater than a preset threshold value, and obtaining a high-quality customer list corresponding to the high-quality customers;

and generating high-quality customer prompt information, and outputting the high-quality customer list, the policy data corresponding to the high-quality customer and the high-quality customer prompt information.

6. A policy data processing terminal device, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

7. The policy data processing terminal device according to claim 6, wherein after outputting the list of renewal failure clients corresponding to the renewal failure clients and the policy data corresponding to the renewal failure clients, the following steps are further implemented:

8. The policy data processing terminal device according to claim 6, wherein the outputting the list of renewal failure clients corresponding to the renewal failure clients and the policy data corresponding to the renewal failure clients specifically comprises:

9. The policy data processing terminal device according to claim 6, further implementing the steps of:

10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 5.