LT6071B - Insurance system and method - Google Patents

Abstract

The invention relates to data processing systems specially adapted for administrative, commercial, financial, managerial purposes, in particular insurance for risk management issues. The operation of the insurance system is ensured by the main infrastructure modules, each of which can consist of separate modules that perform certain functions to support the functioning of the system and solve the set tasks. The core system infrastructure modules consist of a database for storing and storing data and information used in the system, software for managing data, executing commands and queries, and maintaining core business functions; user interfaces of web service tools for data transfer from a database to selected software (local or third party) and user interfaces.

Description

Technical field

The invention relates to data processing systems specially adapted for administrative, commercial, financial and managerial purposes, in particular in the field of risk management.

State of the art

The insurance market is currently in the midst of a change in service delivery, a classic insurance service module where insurance concerns, agency or broker solves individual concerns with the customer, extending the ability for the customer to purchase self-service insurance through e-commerce. Insurance portals and self-service websites are created and successfully run, which allow you to review your existing insurance policies or, depending on the type of insurance, to fill out a report on an insured event. However, the basic principle of service provision is based on existing products from insurance companies, which in turn are provided to customers according to the product classification as defined in the legislation or on the basis of the insurance companies' internal product classification.

The complexity and complexity of insurance products mean that consumers are unable to pinpoint the need for insurance coverage to identify the type of insurance they want, and it is difficult for them to understand which risks are being hedged and which risks are still uninsured. This situation, which the client does not understand, demonstrates the absence of comprehensive insurance coverage and the existence of uninsured risks. Customers become aware of important and uninsured risks only in the event of an insured event, i.e. financial losses.

The patent literature describes known systems and techniques associated with various solutions running on interactive media servers. In particular, many inventions in this field have been patented in Korea, Japan and the United States.

A known technical solution is described in U.S. Patent US2010179888.

The closest analogue is the one selected in application VV003038561.

These known technical solutions form a user structure (database) consisting of separate accounts that can be accessed from remote computers or servers (basically no matter where);

consumers can even create separate accounts where they can manage their debts, mortgages, insurance, brokerage services and the like individually;

in these separate accounts, users can manage their annual (annual) fees, participate in promotional campaigns, participate in card designs, participate in login programs, credit, set and manage payment terms, etc .;

users can change data (information), terms, etc. for all accounts.

However, these systems are complex enough and difficult to understand due to their size. In addition, the customer cannot see the entire insurance map.

The object of the invention is to provide a system which does not have the drawbacks mentioned above.

The essence of the invention

To avoid this situation, a new insurance system has been introduced that allows consumers to resolve most of the issues related to the quality and comprehensiveness of insurance coverage, as well as reporting various insurance events to different insurance companies in a simple and unified way. Using the system offered, the customer can see the entire insurance map.

The operation of the insurance system is ensured by the basic infrastructure modules, each of which may consist of individual modules performing certain functions to support the functioning of the system and to solve specific tasks.

The main infrastructure modules of the system are:

1. Databases for the storage and storage of data and information used by the system,

2. Software to manage data, execute commands and queries, and support key business functions.

3. Web services for transferring data from the database to software (local or third party) and user interfaces.

4. User Interfaces.

5. Graphical dialog boxes, icons, menu lists, operating system functions and commands that ensure the insurance system interface with the end user of the system.

Through its database structure, software feature set-up, and proper user interface, the insurance system addresses complex insurance administration issues, provides the consumer with a comprehensive status-quo insurance situation, informs insurance coverage gaps, and enables the user to remedy these gaps by purchasing the right insurance product.

The invention is illustrated by drawings, wherein:

FIG. Figure 1 shows a block diagram of the main infrastructure modules of the system.

FIG. Figure 2 shows a block diagram of the main database modules.

FIG. Figure 3 is a block diagram of auxiliary database modules.

FIG. Figure 4 shows a diagram of interfaces between the client registry and other objects.

FIG. Figure 5 is a diagram showing the links between the insurance document register and other objects.

FIG. Figure 6 shows a diagram of the links between the vehicle register and other objects.

Fig.7 is a diagram of links between the asset register and other objects.

FIG. Figure 8 is a diagram showing the relationships between the credit and leasing records register and other objects.

FIG. Figure 9 shows a schematic of the interface between claims register and other objects.

FIG. Figure 10 is a diagram showing the relationships between the customer order log and other objects.

Insurance system modules and their functions

The operation of the insurance system is ensured by the basic infrastructure modules, each of which may consist of individual modules performing certain functions to support the functioning of the system and to solve specific tasks.

The main infrastructure modules of the system are:

1. Databases for the storage and storage of data and information used by the system.

2. Software to manage data, execute commands and queries, and support key business functions.

3. Web services for transferring data from the database to software (local or third party) and user interfaces.

4. User Interfaces.

5. Graphical dialog boxes, icons, menu lists, operating system functions and commands that ensure the insurance system interface with the end user of the system.

Through its database structure, software feature set-up, and proper user interface, the insurance system addresses complex insurance administration issues, provides the consumer with a comprehensive status-quo insurance situation, informs insurance coverage gaps, and enables the user to remedy these gaps by purchasing the right insurance product.

Database modules

The information stored in a database relates to certain objects and their properties and their relationships to other elements of the database. Each element of a database can have one or more sub-elements of more than one level (for example, a client may have multiple addresses (home, office, homestead, etc.)). elements that enable database elements to be associated with one-to-many or many-to-many relationships.

The main modules of the database are:

a customer register that stores customer details. Has links to other registries:

address register; contacts register; the register of branches;

the register of insurance documents;

car register - vehicles owned or used by the client;

Property Register - property objects owned or used by the Client;

credit and leasing contracts register; claims register;

customer order book; a register of actions;

Client's Consumer Register - a list of client's users having the defined user interface rights of the insurance system;

and others.

The client is the central element of the database that has the most direct interfaces with other elements of the database.

Register of insurance documents

It is a register of insurance contracts and certificates, where parameters of insurance documents are stored. Has interfaces with the following registers:

Customer register - defines the persons of the insurance document (the policyholder, the payer, the insured person) and, in the case of personal insurance, the object of insurance;

car registry - object insured by insurance document; Property Register - an object prohibited by the insurance document; the register of insurance companies;

the register of insurance products; the Register of Contributed Contributions; a register of contributions actually paid;

the register of appendices to the insurance document - the register of amendments, supplements and termination of the insurance document;

the register of annexes to the insurance document; customer order book; insurance program register.

Car registry

It is a vehicle register that aggregates vehicle parameters and has links to the following registers:

customer register - defines the persons of the vehicle (owner, user and manager / insurer);

Vehicle Value Record - Linking to a specific vehicle modification and providing up-to-date market value information;

register of insurance documents - relation to the insurance documents with which the vehicle is or has been insured;

vehicle accessory register;

credit and leasing contract register - the relationship to the credit or leasing contract with which the vehicle is or has been financed.

Property Register

The Property Register stores information about various types of property (other than vehicles), their parameters and attributes, and links to the following registers:

client register - defines the persons (owner, beneficiary) of the asset;

cadastral data register - associated with a specific cadastre object and its attributes;

register of insurance documents - relation with the insurance documents with which the object of the property is or has been insured;

asset registry;

credit and leasing contract register - the relationship to the credit or leasing agreement the asset is or has been financed with.

Credit and leasing contract register

This register collects data on customers' credit or leasing contracts - their parameters and attributes. Has connections to the following registers:

customer register - defines the persons of the credit agreements (lender, borrower, guarantor);

credit and leasing agreement object register - a list of the objects financed or pledged which in turn are linked to:

car registry;

property register;

objects that are included in insurance documents.

Damage registry

The data stored in the claims register is related to the insured events of the clients and / or claims for damages. In addition to the parameters and attributes of the damage file, there are also links to the registers:

claims register - a list of documents submitted or to be submitted together with their attributes and parameters and electronic copies of the documents;

Claim Accounting Registry - a financial records registry designed to administer customer claims;

register of insurance documents - relation to the insurance document, which insures the risk caused by the event;

Vehicle Registry - Relationship to Damage Related Vehicle (s);

Property Register - Relationship with Damaged Property;

action record - a record of actions taken and their attributes during the course of a claim administration.

On customer order register

Register of insurance offers / orders prepared for the client, which contains data from various registers and contains information about insured risks, objects, offers submitted by insurance companies and their conditions. The register may be linked to:

Customer register - the customer for whom the order is being placed and which is included in the order as an insurance object. Orders may also be placed for entities that do not yet exist as clients in our database;

car registry; property register; the register of insurance companies; the register of insurance products.

Customer User Registry

One of the most important registers to enable the successful operation of the Insurance System is to determine what user interface will be opened for a given user and the functional rights (access to web services, which in turn enable software commands and queries).

Database Auxiliary Modules:

register of insurance companies;

a register of contact persons for insurance companies;

register of insurance products;

register of insurance rules; a register of premiums written; a register of contributions actually paid; register of annexes to the insurance document; and other.

User interfaces

Provision of the insurance system to the end user is ensured by the user interface. The insurance system can be used by the user in one of the following ways:

As an unidentified user - with the interface accesses or functions assigned to him or as an identified user with the right to perform defined functions, manage insurance data or objects of his or her access persons, register incidents, etc.

The system identifies users in one of the following ways:

NO. by signature;

Mobile signature;

EI.banking;

Your username and password.

For added security, IP address access restriction can be used.

Unidentified UI

Insurance Portal.The part of the site that provides information on insurance products, market news and research, tips and general recommendations.

Shop.The part of the site is dedicated to the purchase of insurance products.

Identified user interfaces

In addition to the unidentified user interfaces, the identified user can access the interface and functionality elements according to his assigned rights into three groups: private client, business client and partner.

Private Client Interface

The key element of this interface, the Customer Insurance Matrix (Map), hereinafter referred to as the Customer Insurance Map, is a matrix of customer-managed insurance items, customized insurance products and customer purchased / valid insurance contracts (valid insurance coverage) that visually informs the customer insured risks, absence of insurance, and providing up-to-date briefings.

The vertical axis of the customer's insurance map shows the insurance objects: real or movable property, persons or other objects. Insurance objects are grouped by object types.

The horizontal axis of the customer's insurance map shows the sub-objects, insurance risks, types or insurance products to be insured for each type of insurance object. The insurance risks, types or insurance products covered may depend on the customer's profile, i.e. depending on the customer's data (activity, area, turnover or income, age, affiliates, etc.).

The content of the client's insurance map provides informative data about the client's current insurance coverage (validity of insurance contracts, non-existence of a contract in force, limitations or recommendations on insurance) by means of graphic and textual rendering. Recommendations on insurance provide additional theoretical information about insurance products that familiarize the client with the specifics of protection, as well as facts about similar insured events of the past (examples).

Functionality

The following can be done on the customer's insurance card:

1. Easy access to information about insurance products;

2. To see the valid insurance contract and its term of validity;

3. View the period remaining until the expiration date of the current contract (approaching the end of the insurance contract);

4. To see for which insurance contract the client has not paid in time, as well as: form the insurance contract payment with the help of e-banking; to set up an account to pay the insurance contract;

5. See information messages, insurance broker recommendations related to the existing insurance contract;

6. Get acquainted with known related insurance risks that have occurred in the past;

7. To enter (add) to the insurance object the insurance contract (not existing in the portal) for the selected insurance object and its sub-object or the insured risk;

8. Enter (add) the insurance object;

9. Calculate the insurance premium:

Expiring Insurance Contract; Uninsured insurance object;

10. Submit or generate the documents necessary for the administration of insurance contracts:

(a) a request for termination of the insurance contract;

(b) a request for amendment of the details of the insurance contract;

(c) any other application for the administration of the insurance contract.

11. Report the insured event

Visual (graphic) representation

Business customer interface

A business client interface consists of individual modules, all or only a part of which can be assigned to a specific business client user. These modules and their functionality are:

Course title Module functionality Administration 1. Manage / Change companies information 2. Manage / change the rights of other users of the company Insurance documents 1. Administer Company Insurance and insurance documents (business client insurance map) 2. Add / Remove Company Insurance documents 3. Administer Subsidiaries insurance documents Transportation 1 .Administer company transport measure data. 2. Administer company transport means of insurance. 3 View company transportation measure damage claims. Property 1. Administer company assets 2. Administer company assets object insurance documents 3. View claims data for company assets Employees 1. Administer company employees data 2. Administer company employees insurance documents

Claims administration 1. Administer company damages, yes also report damage 2. Administer claims financial information Damage Notice 1. Report damage Bills 1. Manage payment details to form payment accounts Vehicle markets values 1. View / search for transport the market values of the instruments Attribution Calculator 1. Calculate personal insurance contributions to special company employees at applicable prices

The purpose of claim reporting functionality is to provide the customer with a uniform user interface and procedural process for reporting an event (damage) regardless of the insurance company. Based on the parameters chosen and provided by the client, the system runs algorithms that identify the insurance company responsible, the form and information to be provided to the insurance company, and informs the client of any additional documentation required for loss registration. The above algorithms include the following features:

- The related insurance companies and insurance documents are determined by the object which has occurred;

- Relevant insurance companies and insurance documents are selected according to the time of the event;

- The amount of information to be collected from the client and forwarded to the insurer shall be identified according to the nature of the event and additional documents identifying the event (damage) shall be provided;

- Collect details and attributes of the event (damage);

- The data is filled in on the insurance claim forms of the identified insurance company, related insurance documents;

- A claim for damages is formulated and transmitted. The application may be forwarded to the insurance company. by means of communication or by exporting data to the insurance company IS system. The request can also be transmitted / exported to the client IS;

- Provides access to attach documents relating to the damage to the customer and the insurance company representative. Documents added by a client, depending on the type of document, may be reviewed by the insurance broker or the client's responsible or immediately passed to the insurance company. Documents provided by the insurance company shall be forwarded to the client. In lieu of the transmission of documents or in addition to the transmission of documents, the parties may be notified of the creation or update of a new record;

- Follow up the damage adjustment process later! supplement the case with missing documentation / communicate on claims administration and so on.

Partner interface

Like the Business Client Interface, the Partner Interface consists of individual modules, all or only a portion of which can be assigned to a specific Partner client user. These modules and their functionality are:

Course title Module functionality Portfolio insurance 1. View the portfolio insurance statements for the funded portfolio. This module is particularly important because the Insurance System contains insurance data imported from sources that are linked to the objects of the funded portfolio, assesses the insured risks, which enables to submit the insurance report of the funded portfolio. 2. See the portfolio under administration insurance assurance actions.

3. Form an insurance request for a new one object Transport offers 1. Form an insurance offer for unregistered and registered vehicles at partner-specific pricing Offers and insurance documents 1. View / Update / Send to client formed insurance offers 2. See revolving insurance documents Unit module 1. See the result of the partnership 2. Access links and affiliate codes for integration into your site 3. View and order activity reports Claims insurer 1. On behalf of an insurance company administer customer claims reported to it

The partner modules described above also have the ability to be integrated into the partner's information system via a web service, thus transmitting the data directly to the system rather than via an interface.

Portfolio Insurance Report functionality:

imported portfolio data from financial institutions And pledged / funded items;

imported from insurance companies:

insurance documents and data of objects insured with them changes of insurance documents: suspension, termination, expiration of insurance cover;

missing data is fed into the system via the user interface;

linked insurance document objects with the objects of the funded portfolio; identifiable:

objects with a valid valid insurance document, objects without the required level of insurance document;

manage hedging risk of the funded portfolio;

according to the identified object insurance status, upon identification of uninsured or improperly insured insurance objects, the insurance administration partner shall inform the insurance client by recording the actions taken and the comments and result of these actions.

Claims (13)

DEFINITION OF INVENTION 1. An insurance system comprising user accounts with separate accounts, characterized in that it consists of: databases for storing and storing data and information used in the system, software for managing data, executing commands and queries, and maintaining key business functions; web service tools for transferring data from the database to software (local or third party) and user interfaces; user interfaces. 2. An insurance system according to claim 1, characterized in that the main modules of the database are: a customer registry that maintains customer details and links to other registers; register of insurance documents, which stores parameters of insurance documents and communicates with other registers; car registry; property register; register of credit and leasing contracts; claims register; customer order book; customer user registry. 3. The insurance system of claim 1, wherein said database auxiliary modules are: a register of insurance companies; a register of contact persons for insurance companies; register of insurance products; register of insurance rules; a register of premiums written; a register of contributions actually paid; register of annexes to insurance document and others. 4. An insurance system according to claim I, characterized in that its user interfaces through which presentation to the end user takes place can be identified and unidentified user interfaces. 5. An insurance system according to claim 2, characterized in that the customer register has interfaces with: address register; contacts register; the register of branches; the register of insurance documents; car registry; property register; credit and leasing contracts register; claims register; customer order book; a register of actions; in the customer's user registry and so on. 6. The insurance system according to claim 2, characterized in that the register of insurance documents has links with: Customer register - defines the persons of the insurance document (the policyholder, the payer, the insured person) and, in the case of personal insurance, the object of insurance; car registry - object insured by insurance document; Property Register - an object prohibited by the insurance document; the register of insurance companies; the register of insurance products; the Register of Contributed Contributions; a register of contributions actually paid; the register of appendices to the insurance document - the register of amendments, supplements and termination of the insurance document; the register of annexes to the insurance document; customer order book; insurance program register. 7. An insurance system according to claim 2, characterized in that the vehicle register has interfaces with: customer register - defines the persons of the vehicle (owner, user and manager / insurer); Vehicle Value Record - Linking to a specific vehicle modification and providing up-to-date market value information; register of insurance documents - relation to the insurance documents with which the vehicle is or has been insured; vehicle accessory register; credit and leasing contracts register. 8. An insurance system according to claim 2, characterized in that the asset register has interfaces with: client register - defining the persons (owner, beneficiary) of the asset; Cadastre data register - associated with a specific cadastre object and its attributes; the register of insurance documents; asset registry; credit and leasing contracts register 9. The insurance system according to claim 2, characterized in that the register of credit and leasing contracts has links with: customer register - defining the persons of credit agreements (lender, beneficiary, guarantor) - register of objects of credit and leasing contract - list of objects financed or pledged, which in turn are linked to: car register; property register; objects that are included in insurance documents. 10. The insurance system of claim 2, wherein the claims register has interfaces with: register of claims documentation; register of claims records; the register of insurance documents; car registry; property register; register of actions. 11. The insurance system of claim 2, wherein the customer order register has interfaces with: the customer register; car registry; property register; the register of insurance companies; the register of insurance products. 12. A method for implementing an insurance system according to claim 1, characterized in that it comprises the following steps: imported portfolio data and pledged / funded items from financial institutions; imported from insurance companies: insurance documents and data of objects insured with them, changes in insurance documents: suspension, termination, expiration of insurance cover, missing data are entered into the system through the user interface; linked insurance document objects with the objects of the funded portfolio; identifiable: objects with a valid valid insurance document, objects without the required level of insurance document; manage hedging risk of the funded portfolio; according to the identified object insurance status, upon identification of uninsured or improperly insured insurance objects, the insurance administration partner shall inform the insurance client by recording the actions taken and the comments and result of these actions. 13. Computer hardware / software operating on the system according to claims 1-11. Basic system infrastructure modules Databases software Graphical dialogs, icons, menu lists, operating system functions and commands that ensure the insurance system interface with the end user of the system Web Services User interfaces FIG. 1 Basic Database Modules Customer register Customer User Registry Register of insurance documents Customer Order Register Car Register Claim Register Property Register Credit and leasing contract register FIG Auxiliary Database Modules Register of Insurance Companies Register of Attachments to Insurance Document, etc. Register of contact persons for insurance companies Record of contributions actually paid Register of Contributions Contributed Insurance Product Register Insurance Rules Registry