Abstract: A recommender system includes an information storage and a recommender. The recommender configures the information storage according to a recommender data structure. The data structure includes multiple nodes, each including an inquiry hook and an option hook connected to each other. The inquiry hook includes an inquiry text corresponding to a user inquiry. In the data structure, a first node is associated with one or more child nodes, wherein the user inquiry text of the first node has one or more option values, each option value is included respectively in the option hook of the child nodes. The inquiry hook of at least one of the multiple nodes includes an end point hook, which corresponds to one or more of the following recommendation actions: recommending a carrier, manual submission, and declining coverage. The recommender system may traverse the recommender data structure to retrieve recommendation action(s) to the user.

Abstract: A recommender system includes an information storage and a recommender. The recommender configures the information storage according to a recommender data structure. The data structure includes multiple nodes, each including an inquiry hook and an option hook connected to each other. The inquiry hook includes an inquiry text corresponding to a user inquiry. In the data structure, a first node is associated with one or more child nodes, wherein the user inquiry text of the first node has one or more option values, each option value is included respectively in the option hook of the child nodes. The inquiry hook of at least one of the multiple nodes includes an end point hook, which corresponds to one or more of the following recommendation actions: recommending a carrier, manual submission, and declining coverage. The recommender system may traverse the recommender data structure to retrieve recommendation action(s) to the user.