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1. WO2020063116 - RISK GUARANTEE PRODUCT PUSHING METHOD AND APPARATUS, AND ELECTRONIC DEVICE

Publication Number WO/2020/063116
Publication Date 02.04.2020
International Application No. PCT/CN2019/099419
International Filing Date 06.08.2019
IPC
G06Q 30/02 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
G06Q 40/08 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
CPC
G06Q 30/0271
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0241Advertisement
0251Targeted advertisement
0269based on user profile or attribute
0271Personalized advertisement
G06Q 40/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
Applicants
  • 阿里巴巴集团控股有限公司 ALIBABA GROUP HOLDING LIMITED
Inventors
  • 王昌明 WANG, Changming
  • 安蓉 AN, Rong
  • 孙勤 SUN, Qin
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
201811145397.829.09.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) RISK GUARANTEE PRODUCT PUSHING METHOD AND APPARATUS, AND ELECTRONIC DEVICE
(FR) PROCÉDÉ ET APPAREIL DE POUSSÉE DE PRODUIT DE GARANTIE DE RISQUE, ET DISPOSITIF ÉLECTRONIQUE
(ZH) 一种风险保障产品的推送方法、装置及电子设备
Abstract
(EN)
Disclosed are a risk guarantee product pushing method and apparatus and an electronic device. The method comprises: acquiring risk-related data of a user; carrying out risk assessment on the user based on the risk-related data and a preset expert system so as to acquire a risk type of the user, wherein the preset expert system is used to calculate, based on the risk-related data and a preset risk calculation model, a risk type corresponding to the risk-related data; generating, based on the risk-related data, the risk type of the user and risk guarantee products matching the risk type, an analysis report of risk guarantee products to be selected by the user; and pushing the analysis report of the risk guarantee products to be selected to the user.
(FR)
L'invention concerne un procédé et un appareil de poussée de produit de garantie de risque, et un dispositif électronique. Le procédé consiste : à acquérir des données relatives au risque d'un utilisateur ; à effectuer une évaluation de risque sur l'utilisateur sur la base des données relatives au risque et d'un système expert prédéfini de façon à acquérir un type de risque de l'utilisateur, le système expert prédéfini étant utilisé pour calculer, sur la base des données relatives au risque et d'un modèle de calcul de risque prédéfini, un type de risque correspondant aux données liées au risque ; à générer, sur la base des données relatives au risque, le type de risque de l'utilisateur et des produits de garantie de risque correspondant au type de risque, un rapport d'analyse de produits de garantie de risque à sélectionner par l'utilisateur ; et à pousser le rapport d'analyse des produits de garantie de risque à sélectionner vers l'utilisateur.
(ZH)
本申请公开了一种风险保障产品的推送方法、装置及电子设备,该方法包括:获取用户的风险相关数据;基于所述风险相关数据和预设的专家系统,对所述用户进行风险评估,以获取所述用户的风险类型;其中,所述预设的专家系统用于基于风险相关数据和预设的风险计算模型计算所述风险相关数据对应的风险类型;基于所述风险相关数据、所述用户的风险类型、以及与所述风险类型匹配的风险保障产品,生成所述用户的待选风险保障产品分析报告;向所述用户推送所述待选风险保障产品分析报告。
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