CN106157147A - A kind of life insurance is insured system online - Google Patents
A kind of life insurance is insured system online Download PDFInfo
- Publication number
- CN106157147A CN106157147A CN201610628522.5A CN201610628522A CN106157147A CN 106157147 A CN106157147 A CN 106157147A CN 201610628522 A CN201610628522 A CN 201610628522A CN 106157147 A CN106157147 A CN 106157147A
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- user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
Abstract
The invention discloses a kind of life insurance to insure online system, including subscription client and center service platform, described center service platform connects public security department's server, medical institution server and traffic department's server；Described subscription client includes user profile input module, files passe module, on-line payment module and display；Described central server includes information receiving module, file reception module, user profile enquiry module, medical information enquiry module, driving information enquiry module, analysis and processing module and declaration form generation module.The present invention obtains user basic information and authority by subscription client, center service platform obtains information needed according to user basic information and authority from public security department's server, medical institution server and traffic department's server, calculate user's mortality rate, judge whether that accepting user insures so that insurance provider can provide insurance premium rate to client within the shortest possible time.
Description
Technical field
The invention belongs to insurance management system technical field, relate to one and insure online system, specifically a kind of life insurance is protected
Dangerous system of insuring online.
Background technology
Life insurance (application) process of insuring is probably extremely complex and may take a very long time,
This creates obstacle to providing insurance.Such as, the possible needs 6 to 8 of life-insurance declaration form (policy) of accepting insurance are all or longer,
Need substantial amounts of paperwork, and need blood count, urine test, or health check-up potentially.
In the case of the Internet is constantly universal, user expects more rapid and simpler taking out insurances process.Typically
The time of taking out insurances process and complexity thus create significant obstacle to sending insurance policy.
In order to accelerate taking out insurances process, some companies provide process of insuring online, and this can reduce the time of being associated
And complexity.But, in the case of the mortality rate information not assessing key, the declaration form quickly sent is necessarily dependent upon total
Demographic information, such as age, sex, whether smoking, and the information of some other basic Health and Living mode.Do not having
In the case of having the assessment of more detailed mortality risk, for all such insurers, insurance typically must be higher.
Therefore, life insurance is accepted insurance needs the speed of a kind of process of computerization being insured and more detailed mortality risk
The method that assessment combines so that insurance provider can provide insurance premium rate to client within the shortest possible time.
Summary of the invention
It is an object of the invention to provide a kind of insuring the most online to process and based on from multiple inside and outside numbers
The life insurance calculating mortality risk according to the information of library searching is insured system online.
The purpose of the present invention can be achieved through the following technical solutions:
A kind of life insurance is insured system online, including the subscription client connected by internet communication and center service
Platform, described center service platform connects public security department's server, medical institution server and friendship respectively by the Internet
Logical department server；
Described subscription client includes
User profile input module, is used for inputting user basic information；
Files passe module, for upload user authority；
On-line payment module, is used for paying purchase insurance premium；
And display, for display centre server feedback information；
Described central server includes
Information receiving module, is used for obtaining user basic information；
File reception module, is used for obtaining user authorization file；
User profile enquiry module, for obtaining individual subscriber and family information from public security department's server；
Medical information enquiry module, for obtaining individual subscriber medical history and family's history information from medical institution server；
Driving information enquiry module, for obtaining individual subscriber driving situation from traffic department's server, break in traffic rules and regulations is gone through
History information；
Analysis and processing module, according to age of user, sex, health condition, personal history, family's medical history and user's duty
Industry, custom hobby, living environment, driving situation information calculate user's mortality rate, it may be judged whether accept user and insure；
Declaration form generation module, calculates insured amount according to user's integrated information and generates electronic insurance policy.
Further, described user basic information includes address name, sex, occupation, ID (identity number) card No., phone number
The hobby of code, health status, custom, living environment information.
Further, described authority includes the insurance company that authorizes of user's signature and inquires about userspersonal information's
Power of attorney scanned copy.
Beneficial effects of the present invention: the present invention obtains user basic information and authority, center by subscription client
Service platform according to user basic information and authority from public security department's server, medical institution server and traffic department
Server obtains individual subscriber and family information, personal history and family's medical history, individual's driving situation, break in traffic rules and regulations history letter
Breath, and then calculate user's mortality rate, it may be judged whether accepting user and insure, the speed of process of computerization being insured is with more detailed
Mortality risk assessment combines so that insurance provider can provide insurance premium rate to client within the shortest possible time.
Accompanying drawing explanation
With specific embodiment, the present invention is described in further detail below in conjunction with the accompanying drawings.
Fig. 1 is present system schematic diagram.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, those of ordinary skill in the art obtained under not making creative work premise all other
Embodiment, broadly falls into the scope of protection of the invention.
Insure online system as it is shown in figure 1, the invention provides a kind of life insurance, connect including by internet communication
Subscription client and center service platform, center service platform connects public security department's server, medical treatment respectively by the Internet
Authority server and traffic department's server.
Subscription client includes the user profile input module for inputting user basic information, for upload user mandate
The files passe module of file, buys the on-line payment module of insurance premium and anti-for display centre server for paying
The display of feedforward information.
Wherein, user basic information include address name, sex, occupation, ID (identity number) card No., telephone number, health status,
The information such as custom hobby, living environment；Authority includes the mandate insurance company inquiry userspersonal information of user's signature
Power of attorney scanned copy.
Central server includes the information receiving module for obtaining user basic information, is used for obtaining user authorization file
File reception module, for obtaining individual subscriber and the user profile enquiry module of family information from public security department server,
For obtaining individual subscriber medical history and the medical information enquiry module of family's history information from medical institution server, for from friendship
Logical department server obtains individual subscriber driving situation, the driving information enquiry module of break in traffic rules and regulations historical information, according to user
Age, sex, health condition, personal history, family's medical history and user's occupation, custom hobby, living environment, driving situation letter
Breath calculates user's mortality rate, it may be judged whether accepts the analysis and processing module that user insures, calculates guarantor according to user's integrated information
The danger amount of money also generates the declaration form generation module of electronic insurance policy.
Wherein, user's integrated information includes the key element affecting mortality rate and the non-key element affecting mortality rate, wherein, rings death
The key element of rate includes age of user, sex, health condition, personal history, family's medical history and user's occupation, custom hobby, life
Ever-changing environment, driving situation etc..
Workflow of the present invention: first, user's input module input address name, sex, duty by subscription client
The user basic information such as the hobby of industry, ID (identity number) card No., telephone number, health status, custom, living environment, and by file
Transmission module uploads the power of attorney scanned copy authorizing insurance company inquiry userspersonal information that user signs；
Service centre's platform receives user basic information by information receiving module, receives user by file reception module
Authority, then, user profile enquiry module obtains individual subscriber and family from public security department's server after obtaining mandate
Information, medical information enquiry module obtains individual subscriber medical history and family's medical history letter from medical institution server after obtaining mandate
Breath, driving information enquiry module obtains individual subscriber driving situation, break in traffic rules and regulations from traffic department's server after obtaining mandate
Historical information, analysis and processing module is according to age of user, sex, health condition, personal history, family's medical history and user's duty
Industry, custom hobby, living environment, driving situation information calculate user's mortality rate, and when mortality risk exceedes threshold value, refusal holds
Protect the insurance policy of this individual；
When mortality risk less than or equal to threshold value time, declaration form generation module according to user's integrated information make with based on
The insurance of mortality risk also generates electronic insurance policy, and the display that electronic insurance policy is sent to subscription client shows
Showing, user selects Net silver or Alipay to complete payment according to the insurance of display by on-line payment module.
The present invention obtains user basic information and authority by subscription client, and center service platform is according to user's base
This information and authority obtain individual subscriber from public security department's server, medical institution server and traffic department's server
And family information, personal history and family's medical history, individual driving situation, break in traffic rules and regulations historical information, and then it is dead to calculate user
Rate, it may be judged whether accept user and insure, the speed of process of computerization being insured combines with the assessment of more detailed mortality risk,
Make to insure provider and within the shortest possible time, insurance premium rate can be provided to client.
For convenience of description, it is divided into various unit, module to be respectively described with function when describing apparatus above.Certainly, exist
Implement the function of each unit, module to be realized in same or multiple softwares and/or hardware during the application.
As seen through the above description of the embodiments, those skilled in the art it can be understood that to the application can
The mode adding required general hardware platform by software realizes.Based on such understanding, the technical scheme essence of the application
On the part that in other words prior art contributed can embody with the form of software product, this computer software product
Can be stored in storage medium, such as ROM/RAM, magnetic disc, CD etc., including some instructions with so that a computer equipment
(can be personal computer, server, or the network equipment etc.) performs each embodiment of the application or embodiment
Method described in some part.
Device embodiments described above is only schematically, the wherein said unit illustrated as separating component
Can be or may not be physically separate, the parts shown as unit can be or may not be physics list
Unit, i.e. may be located at a place, or can also be distributed on multiple NE.Can be selected it according to the actual needs
In some or all of module realize the purpose of present embodiment scheme.Those of ordinary skill in the art are not paying creation
Property work in the case of, be i.e. appreciated that and implement.
The application can be used in numerous general or special purpose computing system environment or configuration.Such as: personal computer, service
Device computer, handheld device or portable set, laptop device, multicomputer system, system based on microprocessor, top set
Box, programmable consumer-elcetronics devices, network PC, minicomputer, mainframe computer, include any of the above system or equipment
Distributed computing environment etc..
The application can be described in the general context of computer executable instructions, such as program
Module.Usually, program module includes performing particular task or realizing the routine of particular abstract data type, program, object, group
Part, data structure etc..The application can also be put into practice in a distributed computing environment, in these distributed computing environment, by
The remote processing devices connected by communication network performs task.In a distributed computing environment, program module is permissible
It is positioned in the local and remote computer-readable storage medium of storage device.
In the description of this specification, the description of reference term " embodiment ", " example ", " concrete example " etc. means
Specific features, structure, material or feature in conjunction with this embodiment or example description is contained at least one enforcement of the present invention
In example or example.In this manual, the schematic representation to above-mentioned term is not necessarily referring to identical embodiment or example.
And, the specific features of description, structure, material or feature can be to close in any one or more embodiments or example
Suitable mode combines.
Above content is only to present configuration example and explanation, affiliated those skilled in the art couple
Described specific embodiment makes various amendment or supplements or use similar mode to substitute, without departing from invention
Structure or surmount scope defined in the claims, all should belong to protection scope of the present invention.
Claims (3)
1. life insurance is insured a system online, puts down including the subscription client connected by internet communication and center service
Platform, it is characterised in that: described center service platform connects public security department's server respectively by the Internet, medical institutions service
Device and traffic department's server；
Described subscription client includes
User profile input module, is used for inputting user basic information；
Files passe module, for upload user authority；
On-line payment module, is used for paying purchase insurance premium；
And display, for display centre server feedback information；
Described central server includes
Information receiving module, is used for obtaining user basic information；
File reception module, is used for obtaining user authorization file；
User profile enquiry module, for obtaining individual subscriber and family information from public security department's server；
Medical information enquiry module, for obtaining individual subscriber medical history and family's history information from medical institution server；
Driving information enquiry module, for obtaining individual subscriber driving situation, break in traffic rules and regulations history letter from traffic department's server
Breath；
Analysis and processing module, according to age of user, sex, health condition, personal history, family's medical history and user's occupation, practises
Used hobby, living environment, driving situation information calculate user's mortality rate, it may be judged whether accept user and insure；
Declaration form generation module, calculates insured amount according to user's integrated information and generates electronic insurance policy.
A kind of life insurance the most according to claim 1 is insured system online, it is characterised in that: described user believes substantially
Breath includes address name, sex, occupation, ID (identity number) card No., telephone number, health status, custom hobby, living environment information.
A kind of life insurance the most according to claim 1 is insured system online, it is characterised in that: described authority bag
Include the power of attorney scanned copy authorizing insurance company inquiry userspersonal information that user signs.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610628522.5A CN106157147A (en) | 2016-08-03 | 2016-08-03 | A kind of life insurance is insured system online |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610628522.5A CN106157147A (en) | 2016-08-03 | 2016-08-03 | A kind of life insurance is insured system online |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106157147A true CN106157147A (en) | 2016-11-23 |
Family
ID=57328979
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610628522.5A Pending CN106157147A (en) | 2016-08-03 | 2016-08-03 | A kind of life insurance is insured system online |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106157147A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108133423A (en) * | 2017-12-21 | 2018-06-08 | 平安科技（深圳）有限公司 | Health insurance product is insured method, apparatus, equipment and readable storage medium storing program for executing |
| CN108198591A (en) * | 2017-12-28 | 2018-06-22 | 泰康保险集团股份有限公司 | For the method and apparatus of remote upload document |
| CN109191316A (en) * | 2018-09-03 | 2019-01-11 | 辽宁华盾安全技术股份有限公司 | The treating method and apparatus of elevator insurance |
| CN109214939A (en) * | 2018-10-25 | 2019-01-15 | 平安科技（深圳）有限公司 | A kind of method, apparatus, terminal and server of insuring online |
| WO2019024530A1 (en) * | 2017-08-03 | 2019-02-07 | 平安科技（深圳）有限公司 | Insurance policy taking out method and device, and storage medium |
| CN109726883A (en) * | 2018-03-29 | 2019-05-07 | 中国平安财产保险股份有限公司 | A kind of risk management and control method of insurance business, device, equipment and storage medium |
| WO2019127848A1 (en) * | 2017-12-28 | 2019-07-04 | 平安科技（深圳）有限公司 | Underwriting method, underwriting device, insurance verificationi and storage medium |
| CN113222769A (en) * | 2021-04-15 | 2021-08-06 | 国任财产保险股份有限公司 | Insurance policy processing method and device based on Internet |
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| CN1853194A (en) * | 2003-10-30 | 2006-10-25 | 瑞士再保险公司 | Computer-based data capturing system |
| CN1856799A (en) * | 2003-11-06 | 2006-11-01 | 瑞士再保险公司 | System and method for evaluating underwriting requirements |
| CN102713960A (en) * | 2009-08-17 | 2012-10-03 | 大都会人寿保险公司 | Online system and method of insurance underwriting |
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| CN1853194A (en) * | 2003-10-30 | 2006-10-25 | 瑞士再保险公司 | Computer-based data capturing system |
| CN1856799A (en) * | 2003-11-06 | 2006-11-01 | 瑞士再保险公司 | System and method for evaluating underwriting requirements |
| CN102713960A (en) * | 2009-08-17 | 2012-10-03 | 大都会人寿保险公司 | Online system and method of insurance underwriting |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019024530A1 (en) * | 2017-08-03 | 2019-02-07 | 平安科技（深圳）有限公司 | Insurance policy taking out method and device, and storage medium |
| CN108133423A (en) * | 2017-12-21 | 2018-06-08 | 平安科技（深圳）有限公司 | Health insurance product is insured method, apparatus, equipment and readable storage medium storing program for executing |
| WO2019119618A1 (en) * | 2017-12-21 | 2019-06-27 | 平安科技（深圳）有限公司 | Health insurance product purchase method, apparatus and device, and readable storage medium |
| CN108198591A (en) * | 2017-12-28 | 2018-06-22 | 泰康保险集团股份有限公司 | For the method and apparatus of remote upload document |
| WO2019127848A1 (en) * | 2017-12-28 | 2019-07-04 | 平安科技（深圳）有限公司 | Underwriting method, underwriting device, insurance verificationi and storage medium |
| CN109726883A (en) * | 2018-03-29 | 2019-05-07 | 中国平安财产保险股份有限公司 | A kind of risk management and control method of insurance business, device, equipment and storage medium |
| CN109726883B (en) * | 2018-03-29 | 2023-04-28 | 中国平安财产保险股份有限公司 | Risk management and control method, device and equipment for insurance business and storage medium |
| CN109191316A (en) * | 2018-09-03 | 2019-01-11 | 辽宁华盾安全技术股份有限公司 | The treating method and apparatus of elevator insurance |
| CN109214939A (en) * | 2018-10-25 | 2019-01-15 | 平安科技（深圳）有限公司 | A kind of method, apparatus, terminal and server of insuring online |
| WO2020082582A1 (en) * | 2018-10-25 | 2020-04-30 | 平安科技（深圳）有限公司 | Online insurance purchase method, device, terminal, and server |
| CN113222769A (en) * | 2021-04-15 | 2021-08-06 | 国任财产保险股份有限公司 | Insurance policy processing method and device based on Internet |
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| C06 | Publication | ||
| PB01 | Publication | ||
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| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20161123 |