CN101334886A - System and method for implementing credit card mail-ordering by stages using insurance integrated business system - Google Patents
System and method for implementing credit card mail-ordering by stages using insurance integrated business system Download PDFInfo
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- CN101334886A CN101334886A CNA2008101353185A CN200810135318A CN101334886A CN 101334886 A CN101334886 A CN 101334886A CN A2008101353185 A CNA2008101353185 A CN A2008101353185A CN 200810135318 A CN200810135318 A CN 200810135318A CN 101334886 A CN101334886 A CN 101334886A
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Abstract
The invention relates to a system and a method for realizing mail order of credit cards by stages through utilizing a comprehensive business system of insurance. The system of the invention comprises an insurance comprehensive business system, a call center, a system of mail order of credit cards by stages and a card holder. The comprehensive business system of insurance comprises an insurance information database, a judging and transmitting module of insurance information, a business terminal system for each insurance company, a business system server for each insurance company, a database of quotation result, a judging and transmitting module of policy issuing information, a policy issuing module and a network interface; by utilizing the coordinating use of each part, the method of the invention can realize mail order of credit cards by stages. By adopting the design of the insurance comprehensive business, the invention provides a brand new technical means for the transaction of insurance products, combines the comprehensive business system of insurance, the call center and the system of mail order of credit cards by stages, establishes a brand new system, realizes a new technical function and greatly simplifies product sales link and insurance settlement link.
Description
Technical field
The present invention relates to the system and method that a kind of credit card is mailordered by stages, relate in particular to a kind of insurance comprehensive business system of utilizing and realize the system and method that credit card is mailordered by stages, the present invention can be simultaneously offer and the insurance comprehensive business system of insurance policy issuing to the product of a plurality of insurance companies, and based on it, design has been built in conjunction with the credit card new system of mail-order system and call center by stages.
Technical background
At present, each insurance company has all developed separate operation system, be used to support management, inquiry, quotation and the insurance policy issuing of product separately, but because the insurance products of each insurance company both there are differences at aspects such as product category, insurance responsibility, method of service and prices, identical to some extent again, bring certain difficulty for the selection of insurance consumer and the consumption decision of comparison.For insurance consumer, need " supermarket " formed by the insurance products of each insurance company, the product to each insurance company compares easily, makes a choice, and conveniently concludes the transaction.Realize this function, just need to change the separate present situation of each insurance company's operation system at present, develop an insurance comprehensive business system, this system can provide real-time inquiry, quotation, comparison and the trading function of each insurance company's product simultaneously, this will satisfy consumer's actual demand greatly, promotes the transaction of insurance products.
Traditional insurance products mode of doing business and clearing form most applications are aspectant transaction, with mode one-time payments such as cash, check, bank card transaction cost.But expansion along with people's demand for insurance, the accounting of Insurance Consumption expenditure in the life total expenditure is increasing, simultaneously along with the manage money matters continuous reinforcement of idea of consumer, more and more need a kind of insurance mode of doing business and payment and settlement mode that had not only saved time, simplified flow process but also alleviated finance expenditure burden.For satisfying consumer's actual needs, on the basis of above-mentioned insurance comprehensive business system, credit card operation system and mailorder business system by stages must have been introduced, with the call center is the information transmission maincenter, these systems have structurally been carried out design and combination again, therefore, need to propose a kind of new utilization insurance comprehensive business system and realize that system and method and existing insurance state of development that credit card is mailordered adapt by stages.
Summary of the invention
The object of the present invention is to provide a kind of insurance comprehensive business system of utilizing to realize the system and method that credit card is mailordered by stages; This system's utilization insurance comprehensive business system, traditional insurance products transaction is improved, can make credit cardholder's (being the taking out insurances people) simultaneously the insurance products information of a plurality of insurance companies be inquired about, compare and transaction by the mode of telecommunication, also can use credit card payment, take the mode of paying by instalments and mailordering, both simplify the flow process of insuring of insurance, alleviated consumer's financial burden again.
The present invention for realizing the technical scheme that its purpose provides is: a kind of insurance comprehensive business system of utilizing realizes the system that credit card is mailordered by stages, and this system comprises:
(1) the insurance comprehensive business system is connecting in real time by telecommunications network under the situation of each insurance company's business system server, realizes simultaneously inquiry, comparison, quotation and insurance policy issuing to the different insurance products of each insurance company; This insurance comprehensive business system comprises the information database of insuring, the information of insuring judgement and transport module, each insurance company's business terminal system, each insurance company's business system server, quotation result database, the judgement of insurance policy issuing information and transport module, insurance policy issuing module, network interface;
(2) call center is as credit cardholder's (being the taking out insurances people), insurance comprehensive business system and the credit card information transmission maincenter of mail-order system by stages;
(3) credit card mail-order system is by stages connecting in real time by telecommunications network under the situation of each credit card card sending mechanism business system server, realizes the monthly payment plan function and the mail-order function of credit card;
(4) credit cardholder gives the call center by mobile phone, landline telephone telecommunication transmission information; The information of insuring and instruction that the call center provides according to the credit cardholder are to insuring the instruction that comprehensive business system is sent inquiry, offers and sign and issue declaration form; The insurance comprehensive business system feeds back to the call center with the information processing result; The information that the call center provides according to the credit cardholder, to credit card by stages mail-order system initiate settlement requests; Credit card mail-order system by stages finish monthly payment plan clearing and mailorder business, and the information of will finishing is transferred to the credit cardholder by the call center according to credit cardholder's information and instruction.
A kind of insurance comprehensive business system of utilizing realizes the method that credit card is mailordered by stages, and this method may further comprise the steps:
(1) credit cardholder provides the type of insurance, clause, limitation of liability, the insurance price information of personal information and required inquiry by landline telephone or mobile phone to the call center;
(2) call center is with the data typing of the gathering information database of insuring, the information database of insuring will be divided into conventional data (being the data that each insurance company all needs when accepting insurance) and individuation data (needed data when some or several insurance companies accept insurance) by the customer data that the call center collects automatically, and different pieces of information is carried out respective identification and storage;
(3) according to credit cardholder's demand, starting the information of insuring judges and transport module, extract data that have respective identification in the information database of insuring according to predefined extracting rule, and start the business terminal system of corresponding insurance company, carry out data transmission;
(4) each insurance company's business terminal system is responsible for the information transmission of insuring offering, and the related bid result being fed back to the quotation result database to each insurance company's business system server;
(5) each insurance company's business system server is responsible for business terminal system signal transmitted data are handled, the computing quotation, and the result that will offer is transferred to the quotation result database by business terminal system;
(6) the quotation result database quotation result that is responsible for providing by each insurance company's business system server classifies, identifies and stores;
(7) feed back to the credit cardholder according to the quote data of quotation in the result database call center, and the holder that the receives credit card order of whether insuring, and does not confirm to insure as the credit cardholder, then this end of calling;
(8) after receiving the order that the credit cardholder confirms to insure, insurance policy issuing information is judged and transport module is responsible for according to predefined data extract rule, extracts the quotation result from the quotation result database;
(9) start the insurance policy issuing module, carry out the transmission of insurance policy issuing data, sign and issue declaration form, and carry out the declaration form print job;
(10) credit cardholder by call center operator pos machine terminal, by stages mailorders solicited message to the transmission of credit card card sending mechanism practice operating system according to insuring the dealing money information that comprehensive business system provides;
(11) this mailorders solicited message is given the credit card card sending mechanism by pos machine terminal transmission practice operating system by stages;
(12) practice operating system of credit card card sending mechanism compares the mail-order solicited message by stages that the original customer information of credit cardholder's card extracts with this credit cardholder, and whether the content of recording and narrating with checking information is correct;
(13) when the practice operating system of credit card card sending mechanism finds that information that the credit cardholder provides is wrong, the practice operating system of this credit card card sending mechanism can send warning information from trend pos machine terminal, and this pos machine terminal is edited error correcting prompt information automatically;
(14) call center gives the credit cardholder with the error correcting prompt information transmission of pos machine terminal, and the credit cardholder can resend the information after the correction by the content that error correcting prompt information is fed back, and initiates transaction request once more;
(15) after the practice operating system inspection of credit card card sending mechanism confirms that credit cardholder's information is correct, this credit cardholder's of contents extraction who can be be automatically recorded and narrated according to credit cardholder's information credit card information, and whether the credit line that detects the account exceeds this and mailorders the total charge number that will conclude the business that writes down in the solicited message by stages;
(16) when credit line is lower than the total charge that will conclude the business, the practice operating system of this credit card card sending mechanism sends warning information from trend pos machine terminal, and this pos machine terminal is edited error correcting prompt information automatically;
(17) call center gives the credit cardholder with the error correcting prompt information transmission of pos machine terminal, and the credit cardholder can resend the transaction request information after the correction by the content that error correcting prompt information is fed back, and initiates transaction request once more;
(18) when credit line is greater than or equal to the total charge that will conclude the business, the practice operating system of this credit card card sending mechanism can send trade confirmation information from trend pos machine terminal, and simultaneously, it is single to print pos automatically, finishes credit card and mailorders clearing by stages;
(19) pos singly delivers the credit cardholder, by credit cardholder's affirmation of signing;
(20) pos of credit cardholder's signature singly delivers corresponding credit card card sending mechanism, finishes credit card by this credit card card sending mechanism and withholds by stages.
Compared with the prior art the present invention has the following advantages:
1. adopt the insurance comprehensive business system to provide the brand-new technology means among the present invention for the insurance products transaction, it is separate to have changed present each insurance company's operation system, closely guarded present situation, solved the problem that the consumer can't inquire about in real time and compare the insurance products of a plurality of insurance companies simultaneously, insert in the time of by each insurance company operation system terminal, make insurance consumer can conveniently stride insurance company, striding insurance products inquires about in real time, quotation and transaction, really constructed insurance products " supermarket ", this system compatibility and comprehensive features make consumer's purchase select to become more convenient.
The invention will insure comprehensive business system, call center and credit card by stages mail-order system make up, by new internal system organizational structure, set up brand-new system, realize new technical functionality, simplified insurance products sales section and premium of insurance clearing link greatly.At present, the settlement of transactions of insurance products mainly is to take cash, check, bank card lump-sum payment, and most applications all is aspectant transaction and clearing, for the consumer, rhythm of life is more and more faster, people more and more consider the cost problem of time, and along with the progressively raising of managing money matters and realizing, people more and more are difficult to stand the pressure that the one-time payment premium of insurance forms the current finance of individual.Application of the present invention, both can make the consumer needn't spend the plenty of time carries out insurance products and relatively inquires the price and buy, can no longer take the mode of transaction face-to-face, save time, can take the credit cards payment by instalments clearing again, alleviate individual current financial pressure, can make the consumer home-confined, easily buy.
3. the present invention adopts by phone the examination customer information is determined, contrasted to credit cardholder's true identity, omitted and used special card-reading apparatus to swipe the card in the conventional credit card transaction operation to read the step of cardholder information, realized not having the easy operating function of card transaction; Each operation is all carried out authentication by the practice operating system of card sending mechanism, the instant trade confirmation information that produces in authentication back, good concealment, to be difficult for password stolen, simultaneously can realize credit card trade anywhere or anytime, removed the dependence of credit card trade to swiping card equipment, greatly facilitate the use of holder to credit card, reduced money transaction, improved the security of financial product transaction, promoted the sale of insurance products and the credit card trade water gaging of credit card card sending mechanism and put down, the safety that has really guaranteed the credit card operation is with reliable.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples:
Fig. 1 is the synoptic diagram of system of the present invention;
Fig. 2 is the synoptic diagram of insurance comprehensive business system of the present invention;
Fig. 3 is the synoptic diagram of the method for the invention.
Embodiment
As shown in Figure 1, a kind of insurance comprehensive business system of utilizing described in the present invention realizes the system that credit card is mailordered by stages, and this system comprises:
(1) the insurance comprehensive business system is connecting in real time by telecommunications network under the situation of each insurance company's business system server, realizes simultaneously inquiry, comparison, quotation and insurance policy issuing to the different insurance products of each insurance company; This insurance comprehensive business system comprises the information database of insuring, the information of insuring judgement and transport module, each insurance company's business terminal system, each insurance company's business system server, quotation result database, the judgement of insurance policy issuing information and transport module, insurance policy issuing module, network interface;
(2) call center is as credit cardholder's (being the taking out insurances people), insurance comprehensive business system and the credit card information transmission maincenter of mail-order system by stages;
(3) credit card mail-order system is by stages connecting in real time by telecommunications network under the situation of each credit card card sending mechanism business system server, realizes the monthly payment plan function and the mail-order function of credit card;
(4) credit cardholder gives the call center by mobile phone, landline telephone telecommunication transmission information; The information of insuring and instruction that the call center provides according to the credit cardholder are to insuring the instruction that comprehensive business system is sent inquiry, offers and sign and issue declaration form; The insurance comprehensive business system feeds back to the call center with the information processing result; The information that the call center provides according to the credit cardholder, to credit card by stages mail-order system initiate settlement requests; Credit card mail-order system by stages finish monthly payment plan clearing and mailorder business, and the information of will finishing is transferred to the credit cardholder by the call center according to credit cardholder's information and instruction.
System of the present invention comprises insurance comprehensive business system, credit card mail-order system, call center, credit cardholder by stages; System of the present invention is the information transmission maincenter with the call center, and the credit cardholder sends instruction by the call center, starts the insurance comprehensive business system, finishes inquiry, quotation and the insurance policy issuing of insurance products; Start credit card mail-order system by stages, finish the monthly payment plan and the mail-order clearing of premium of insurance.
Described insurance comprehensive business system both can have been supported the operation system of an insurance company, also can support the operation system of a plurality of insurance companies.Described call center, can be manually answer or auto-pickup (by computer system voice prompt operation) one of them; Simultaneously, the call center both can be the own call center of insurance company, also can be insurance intermediary's call center; Described credit card is mail-order system by stages, both can be the mailorder business system by stages of a credit card card sending mechanism, also the mailorder business system by stages of a plurality of credit card card sending mechanism.
Described call center simultaneously with insurance comprehensive business system and credit card by stages mail-order system keep being communicated with in real time.
As shown in Figure 2, described insurance comprehensive business system can realize simultaneously inquiry, comparison, quotation and the insurance policy issuing to the different insurance products of each insurance company under the situation that connects each insurance company's business system server by telecommunications network in real time; This insurance comprehensive business system comprises the information database of insuring, the information of insuring judgement and transport module, each insurance company's business terminal system, each insurance company's business system server, quotation result database, the judgement of insurance policy issuing information and transport module, insurance policy issuing module, network interface;
The function of this insurance comprehensive business system various piece and effect mainly comprise:
The described information database of insuring is responsible for the customer data that collects by the call center is divided into conventional data (being the data that each insurance company all needs when accepting insurance) and individuation data (needed data when some or several insurance companies accept insurance), and different pieces of information is carried out respective identification and storage.
The described information of insuring is judged and transport module is responsible for demand according to the credit cardholder, extracts the related data in the information database of insuring, and according to Data Identification, starts the business terminal system of corresponding insurance company, carries out data transmission.
Described each insurance company's business terminal system is responsible for the business system server of information data transmission to each insurance company of insuring, and the related bid result is fed back to the quotation result database.
Described each insurance company's business system server is responsible for business terminal system signal transmitted data are handled, the computing quotation, and the result that will offer is transferred to the quotation result database by business terminal system.
Described insurance policy issuing information is judged and transport module is responsible for confirming to insure out after single order receiving the credit cardholder, according to data and the Data Identification in the quotation result database, starts the business terminal system of relevant insurance company, carries out data transmission.
Described network interface is responsible for the data transmission between each database, module, each insurance company's business terminal system and each insurance company's business system server.
Utilization insurance comprehensive business system described in the present invention realizes that the workflow of the system that credit card is mailordered by stages is as follows:
Described credit cardholder is by landline telephone or mobile phone incoming call center;
Described call center answers credit cardholder's incoming call, the collection information of insuring, with the information typing information database of insuring, credit cardholder's data separation that the information database of insuring is responsible for collecting by the call center is conventional data (being the data that each insurance company all needs when accepting insurance) and individuation data (needed data when some or several insurance companies accept insurance), and different pieces of information is carried out respective identification and storage;
The described information of insuring judge and transport module according to credit cardholder's demand, extract the related data in the information database of insuring, according to Data Identification, start the business terminal system of corresponding insurance company, carry out data transmission;
Described each insurance company's business terminal system is responsible for the business system server of information data transmission to each insurance company of insuring, and the related bid result is fed back to the quotation result database;
Described each insurance company's business system server is responsible for business terminal system signal transmitted data are handled, the computing quotation, and the result that will offer is transferred to the quotation result database by business terminal system;
The quotation result that described quotation result database is responsible for providing by each insurance company's business system server classifies, identifies and stores;
Feed back the quotation result to the credit cardholder and also confirm whether insure, do not select to insure as the credit cardholder, then this end of calling described call center;
If the credit cardholder selects to insure, insurance policy issuing information is judged and transport module is responsible for confirming to insure out after single order receiving the credit cardholder, according to data and the Data Identification in the quotation result database, start the business terminal system of relevant insurance company, carry out data transmission;
Described insurance policy issuing module is responsible for signing and issuing declaration form, and carrying out the declaration form print job after receiving the instruction that insurance policy issuing information is judged and the transport module transmission comes.
As shown in Figure 3, a kind of insurance comprehensive business system of utilizing described in the present invention realizes the method that credit card is mailordered by stages, and this method may further comprise the steps:
(1) credit cardholder provides the type of insurance, clause, limitation of liability, the insurance price information of personal information and required inquiry by landline telephone or mobile phone to the call center;
(2) call center is with the data typing of the gathering information database of insuring, the information database of insuring will be divided into conventional data (being the data that each insurance company all needs when accepting insurance) and individuation data (needed data when some or several insurance companies accept insurance) by the customer data that the call center collects automatically, and different pieces of information is carried out respective identification and storage;
(3) according to credit cardholder's demand, starting the information of insuring judges and transport module, extract data that have respective identification in the information database of insuring according to predefined extracting rule, and start the business terminal system of corresponding insurance company, carry out data transmission;
(4) each insurance company's business terminal system is responsible for the information transmission of insuring offering, and the related bid result being fed back to the quotation result database to each insurance company's business system server;
(5) each insurance company's business system server is responsible for business terminal system signal transmitted data are handled, the computing quotation, and the result that will offer is transferred to the quotation result database by business terminal system;
(6) the quotation result database quotation result that is responsible for providing by each insurance company's business system server classifies, identifies and stores;
(7) feed back to the credit cardholder according to the quote data of quotation in the result database call center, and the holder that the receives credit card order of whether insuring, and does not confirm to insure as the credit cardholder, then this end of calling;
(8) after receiving the order that the credit cardholder confirms to insure, insurance policy issuing information is judged and transport module is responsible for according to predefined data extract rule, extracts the quotation result from the quotation result database;
(9) start the insurance policy issuing module, carry out the transmission of insurance policy issuing data, sign and issue declaration form, and carry out the declaration form print job;
(10) credit cardholder by call center operator pos machine terminal, by stages mailorders solicited message to the transmission of credit card card sending mechanism practice operating system according to insuring the dealing money information that comprehensive business system provides;
(11) this mailorders solicited message is given the credit card card sending mechanism by pos machine terminal transmission practice operating system by stages;
(12) practice operating system of credit card card sending mechanism compares the mail-order solicited message by stages that the original customer information of credit cardholder's card extracts with this credit cardholder, and whether the content of recording and narrating with checking information is correct;
(13) when the practice operating system of credit card card sending mechanism finds that information that the credit cardholder provides is wrong, the practice operating system of this credit card card sending mechanism can send warning information from trend pos machine terminal, and this pos machine terminal is edited error correcting prompt information automatically;
(14) call center gives the credit cardholder with the error correcting prompt information transmission of pos machine terminal, and the credit cardholder can resend the information after the correction by the content that error correcting prompt information is fed back, and initiates transaction request once more;
(15) after the practice operating system inspection of credit card card sending mechanism confirms that credit cardholder's information is correct, this credit cardholder's of contents extraction who can be be automatically recorded and narrated according to credit cardholder's information credit card information, and whether the credit line that detects the account exceeds this and mailorders the total charge number that will conclude the business that writes down in the solicited message by stages;
(16) when credit line is lower than the total charge that will conclude the business, the practice operating system of this credit card card sending mechanism sends warning information from trend pos machine terminal, and this pos machine terminal is edited error correcting prompt information automatically;
(17) call center gives the credit cardholder with the error correcting prompt information transmission of pos machine terminal, and the credit cardholder can resend the transaction request information after the correction by the content that error correcting prompt information is fed back, and initiates transaction request once more;
(18) when credit line is greater than or equal to the total charge that will conclude the business, the practice operating system of this credit card card sending mechanism can send trade confirmation information from trend pos machine terminal, and simultaneously, it is single to print pos automatically, finishes credit card and mailorders clearing by stages;
(19) pos singly delivers the credit cardholder, by credit cardholder's affirmation of signing;
(20) pos of credit cardholder's signature singly delivers corresponding credit card card sending mechanism, finishes credit card by this credit card card sending mechanism and withholds by stages.
Described error correcting prompt information be pos machine the terminal electronic information, information of voice prompt, short message prompt information or the artificial information that show one of them.
Described credit cardholder both can adopt by the computer automatic speech prompting and send the mode of by stages mailordering solicited message, also can adopt by to the oral relevant information that enters in call center, operate the pos machine by call center operator person, send the mode of by stages mailordering solicited message.
Described credit cardholder's information comprises card number, credit card password, credit card confirmation code, the credit card term of validity, credit cardholder's authentication information of credit card.
Claims (10)
1. one kind is utilized the insurance comprehensive business system to realize the system that credit card is mailordered by stages, and it is characterized in that: this system comprises:
(1) insurance comprehensive business system: connecting in real time by telecommunications network under the situation of each insurance company's business system server, realizing simultaneously inquiry, comparison, quotation and insurance policy issuing to the different insurance products of each insurance company; This insurance comprehensive business system comprises the information database of insuring, the information of insuring judgement and transport module, each insurance company's business terminal system, each insurance company's business system server, quotation result database, the judgement of insurance policy issuing information and transport module, insurance policy issuing module, network interface;
(2) call center: as credit cardholder, insurance comprehensive business system and the credit card information transmission maincenter of mail-order system by stages;
(3) credit card mail-order system by stages: connecting in real time by telecommunications network under the situation of each credit card card sending mechanism business system server, realizing the monthly payment plan function and the mail-order function of credit card;
(4) credit cardholder: give the call center by mobile phone, landline telephone telecommunication transmission information; The information of insuring and instruction that the call center provides according to the credit cardholder are to insuring the instruction that comprehensive business system is sent inquiry, offers and sign and issue declaration form; The insurance comprehensive business system feeds back to the call center with the information processing result; The information that the call center provides according to the credit cardholder, to credit card by stages mail-order system initiate settlement requests; Credit card mail-order system by stages finish monthly payment plan clearing and mailorder business, and the information of will finishing is transferred to the credit cardholder by the call center according to credit cardholder's information and instruction.
2, system according to claim 1, it is characterized in that: described insurance comprehensive business system comprises the information database of insuring, the information of insuring judgement and transport module, each insurance company's business terminal system, each insurance company's business system server, quotation result database, the judgement of insurance policy issuing information and transport module, insurance policy issuing module, network interface;
The information database of insuring is responsible for the customer data that collects by the call center is divided into conventional data and individuation data, and different pieces of information is carried out respective identification and storage;
The information of insuring judgement and transport module are responsible for the demand according to the credit cardholder, extract the related data in the information database of insuring, and according to Data Identification, start the business terminal system of corresponding insurance company, carry out data transmission;
Each insurance company's business terminal system is responsible for the business system server of information data transmission to each insurance company of insuring, and the related bid result is fed back to the quotation result database;
Each insurance company's business system server is responsible for business terminal system signal transmitted data are handled, the computing quotation, and the result that will offer is transferred to the quotation result database by business terminal system;
The quotation result that the quotation result database is responsible for providing by each insurance company's business system server classifies, identifies and stores;
Insurance policy issuing information is judged and transport module is responsible for confirming to insure out after single order receiving the credit cardholder, according to data and the Data Identification in the quotation result database, starts the business terminal system of relevant insurance company, carries out data transmission;
The insurance policy issuing module is responsible for signing and issuing declaration form, and carrying out the declaration form print job after receiving the instruction that insurance policy issuing information is judged and the transport module transmission comes;
Network interface is responsible for the data transmission between each database, module, each insurance company's business terminal system and each insurance company's business system server.
3, system according to claim 1 is characterized in that: described insurance comprehensive business system, both can support the operation system of an insurance company, and also can support the operation system of a plurality of insurance companies.
4, system according to claim 1 is characterized in that: described call center, can be manually answer or auto-pickup one of them.
5, system according to claim 1 is characterized in that: described call center both can be the own call center of insurance company, also can be insurance intermediary's call center.
6, system according to claim 1 is characterized in that: described credit card is mail-order system by stages, both can be the mailorder business system by stages of a credit card card sending mechanism, also the mailorder business system by stages of a plurality of credit card card sending mechanism.
7, a kind of insurance comprehensive business system of utilizing realizes the method that credit card is mailordered by stages, and it is characterized in that: this method may further comprise the steps:
(1) credit cardholder provides the type of insurance, clause, limitation of liability, the insurance price information of personal information and required inquiry by landline telephone or mobile phone to the call center;
(2) call center is with the data typing of the gathering information database of insuring, and the information database of insuring will be divided into conventional data and individuation data by the customer data that the call center collects automatically, and different pieces of information is carried out respective identification and storage;
(3) according to credit cardholder's demand, starting the information of insuring judges and transport module, extract data that have respective identification in the information database of insuring according to predefined extracting rule, and start the business terminal system of corresponding insurance company, carry out data transmission;
(4) each insurance company's business terminal system is responsible for the information transmission of insuring offering, and the related bid result being fed back to the quotation result database to each insurance company's business system server;
(5) each insurance company's business system server is responsible for business terminal system signal transmitted data are handled, the computing quotation, and the result that will offer is transferred to the quotation result database by business terminal system;
(6) the quotation result database quotation result that is responsible for providing by each insurance company's business system server classifies, identifies and stores;
(7) feed back to the credit cardholder according to the quote data of quotation in the result database call center, and the holder that the receives credit card order of whether insuring, and does not confirm to insure as the credit cardholder, then this end of calling;
(8) after receiving the order that the credit cardholder confirms to insure, insurance policy issuing information is judged and transport module is responsible for according to predefined data extract rule, extracts the quotation result from the quotation result database;
(9) start the insurance policy issuing module, carry out the transmission of insurance policy issuing data, sign and issue declaration form, and carry out the declaration form print job;
(10) credit cardholder by call center operator pos machine terminal, by stages mailorders solicited message to the transmission of credit card card sending mechanism practice operating system according to insuring the dealing money information that comprehensive business system provides;
(11) this mailorders solicited message is given the credit card card sending mechanism by pos machine terminal transmission practice operating system by stages;
(12) practice operating system of credit card card sending mechanism compares the mail-order solicited message by stages that the original customer information of credit cardholder's card extracts with this credit cardholder, and whether the content of recording and narrating with checking information is correct;
(13) when the practice operating system of credit card card sending mechanism finds that information that the credit cardholder provides is wrong, the practice operating system of this credit card card sending mechanism can send warning information from trend pos machine terminal, and this pos machine terminal is edited error correcting prompt information automatically;
(14) call center gives the credit cardholder with the error correcting prompt information transmission of pos machine terminal, and the credit cardholder can resend the information after the correction by the content that error correcting prompt information is fed back, and initiates transaction request once more;
(15) after the practice operating system inspection of credit card card sending mechanism confirms that credit cardholder's information is correct, this credit cardholder's of contents extraction who can be be automatically recorded and narrated according to credit cardholder's information credit card information, and whether the credit line that detects the account exceeds this and mailorders the total charge number that will conclude the business that writes down in the solicited message by stages;
(16) when credit line is lower than the total charge that will conclude the business, the practice operating system of this credit card card sending mechanism sends warning information from trend pos machine terminal, and this pos machine terminal is edited error correcting prompt information automatically;
(17) call center gives the credit cardholder with the error correcting prompt information transmission of pos machine terminal, and the credit cardholder can resend the transaction request information after the correction by the content that error correcting prompt information is fed back, and initiates transaction request once more;
(18) when credit line is greater than or equal to the total charge that will conclude the business, the practice operating system of this credit card card sending mechanism can send trade confirmation information from trend pos machine terminal, and simultaneously, it is single to print pos automatically, finishes credit card and mailorders clearing by stages;
(19) pos singly delivers the credit cardholder, by credit cardholder's affirmation of signing;
(20) pos of credit cardholder's signature singly delivers corresponding credit card card sending mechanism, finishes credit card by this credit card card sending mechanism and withholds by stages.
8, method according to claim 7 is characterized in that: described error correcting prompt information be pos machine the terminal electronic information, information of voice prompt, short message prompt information or the artificial information that show one of them.
9, method according to claim 7, it is characterized in that: the credit cardholder both can adopt by the computer automatic speech prompting and send the mode of by stages mailordering solicited message, also can adopt by to the oral relevant information that enters in call center, operate the pos machine by call center operator person, send the mode of by stages mailordering solicited message.
10, method according to claim 7 is characterized in that: described credit cardholder's information comprises card number, credit card password, credit card confirmation code, the credit card term of validity, credit cardholder's authentication information of credit card.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101353185A CN101334886A (en) | 2008-07-30 | 2008-07-30 | System and method for implementing credit card mail-ordering by stages using insurance integrated business system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101353185A CN101334886A (en) | 2008-07-30 | 2008-07-30 | System and method for implementing credit card mail-ordering by stages using insurance integrated business system |
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| CN101334886A true CN101334886A (en) | 2008-12-31 |
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| CNA2008101353185A Pending CN101334886A (en) | 2008-07-30 | 2008-07-30 | System and method for implementing credit card mail-ordering by stages using insurance integrated business system |
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| CN (1) | CN101334886A (en) |
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| CN102999869A (en) * | 2012-11-26 | 2013-03-27 | 福建运筹物流信息科技有限公司 | Method and system for achieving insurance field management on basis of mobile phone |
| CN104182916A (en) * | 2014-08-31 | 2014-12-03 | 上海报春通信科技有限公司 | Initiative claim settlement service system for flight delay insurance |
| CN105243592A (en) * | 2015-11-06 | 2016-01-13 | 东莞市创世纪保险代理有限公司 | Intelligent car insurance quotation and insurance system and method |
| CN107516277A (en) * | 2016-06-15 | 2017-12-26 | 平安科技（深圳）有限公司 | Control single method and apparatus of insuring out |
| CN107871229A (en) * | 2016-09-28 | 2018-04-03 | 平安科技（深圳）有限公司 | The method and apparatus for controlling the generation of premium notice list |
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| CN110069535A (en) * | 2017-12-01 | 2019-07-30 | 连子智 | The system that Insurance Product Design is carried out using the technology and data of networking |
| CN110147392A (en) * | 2019-04-15 | 2019-08-20 | 深圳壹账通智能科技有限公司 | Information matching method, device, computer equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102999869A (en) * | 2012-11-26 | 2013-03-27 | 福建运筹物流信息科技有限公司 | Method and system for achieving insurance field management on basis of mobile phone |
| CN104182916A (en) * | 2014-08-31 | 2014-12-03 | 上海报春通信科技有限公司 | Initiative claim settlement service system for flight delay insurance |
| CN104182916B (en) * | 2014-08-31 | 2017-06-16 | 上海誉好数据技术有限公司 | A kind of service system of actively settling a claim of flight delay insurance |
| CN105243592A (en) * | 2015-11-06 | 2016-01-13 | 东莞市创世纪保险代理有限公司 | Intelligent car insurance quotation and insurance system and method |
| CN107516277A (en) * | 2016-06-15 | 2017-12-26 | 平安科技（深圳）有限公司 | Control single method and apparatus of insuring out |
| CN107871229A (en) * | 2016-09-28 | 2018-04-03 | 平安科技（深圳）有限公司 | The method and apparatus for controlling the generation of premium notice list |
| WO2019052113A1 (en) * | 2017-09-14 | 2019-03-21 | 平安科技（深圳）有限公司 | Insurance expense payment method and apparatus, terminal device and medium |
| CN110069535A (en) * | 2017-12-01 | 2019-07-30 | 连子智 | The system that Insurance Product Design is carried out using the technology and data of networking |
| CN108876638A (en) * | 2018-07-04 | 2018-11-23 | 北京量子保科技有限公司 | A kind of declaration form intelligent Matching method, system, medium and electronic equipment |
| CN110147392A (en) * | 2019-04-15 | 2019-08-20 | 深圳壹账通智能科技有限公司 | Information matching method, device, computer equipment and storage medium |
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