CN102194197A - Method for ensuring fulfillment of surety bond insurance contract - Google Patents
Method for ensuring fulfillment of surety bond insurance contract Download PDFInfo
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- CN102194197A CN102194197A CN2010101294979A CN201010129497A CN102194197A CN 102194197 A CN102194197 A CN 102194197A CN 2010101294979 A CN2010101294979 A CN 2010101294979A CN 201010129497 A CN201010129497 A CN 201010129497A CN 102194197 A CN102194197 A CN 102194197A
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Abstract
The invention relates to a method for ensuring fulfillment of a surety bond insurance contract. In the method, a service company is used for providing a service for a consumer, the service company and an insurance company sign the surety bond insurance contract for providing a transaction guarantee for the consumer, the service company opens an account in a bank, and the bank is used for providing a plurality of virtual accounts for the service company according to the account through the following steps: inputting basic data of the consumer to the computer of the service company; enabling the service company to appoint one virtual account for the consumer, and using the computer of the service company to transmit the basic data to the computer of the insurance company through Internet, and using the computer of the insurance company to store the basic data; enabling the consumer to remit funds to the virtual account; enabling the bank to notify the service company and the insurance company of completion of remittance of the consumer; using the computer of the insurance company to associate the basic data with the surety bond insurance contract so as to ensure the fulfillment of the surety bond insurance contract; and using the insurance company to provide a certificate of ensuring the fulfillment of the surety bond insurance contract for the consumer.
Description
Technical field
The present invention is relevant for a kind of method of guaranteeing that a performance bond insurance contract is fulfiled.
Background technology
When the consumer concluded the business at present, there was the problem that transaction is lack confidence, guarantee is not enough in regular meeting.For instance, certain person consumer buys the travel abroad stroke to certain second travel agency, yet very unfortunate, during certain person travels abroad, certain pernicious bankruptcy of second travel agency, the travelling industry performance bond insurance payment of " travelling industry rule " regulation can't be compensated certain person infringement fully.Therefore, the travelling industry performance bond insurance even certain second travel agency insures, certain person consumer still can't obtain Claims Resolution in full.
Summary of the invention
The purpose of this invention is to provide a kind of method of guaranteeing that a performance bond insurance contract is fulfiled.When the consumer should obtain to settle a claim, the consumer can obtain Claims Resolution in full, and was not limited to travel agency's performance bond amount of sightseeing office regulation.
According to the present invention, more than can realize by following method is provided with other purpose.A kind of method of guaranteeing that a performance bond insurance contract is fulfiled, wherein, one service company provides a service to give a consumer, this service company and an insurance company sign a performance bond insurance contract and give this consumer to provide a transaction to ensure, this service company opens an account to a bank, this bank provides a plurality of virtual numbers of the account to give this service company according to the account, and this method comprises the following step: import the computing machine of this consumer's master data to this service company; This service company specifies a virtual number of the account to give this consumer, and this computing machine of this service company is sent to a computing machine of this insurance company, this master data of this computer stored of this insurance company by the Internet with this master data; This consumer imports this virtual number of the account with a fund; This bank notifies this service company and this consumer of this insurance company to import and finishes; This computing machine of this insurance company is associated this master data and guarantees that this performance bond insurance contract fulfils with this performance bond insurance contract; And the authentication that this performance bond insurance contract is guaranteed to fulfil of this insurance company provides and gives this consumer.
Description of drawings
Fig. 1 shows enforcement system schematic of the present invention; And
Fig. 2 shows the process flow diagram of guaranteeing the method that a performance bond insurance contract is fulfiled of the present invention.
[main element symbol description]
1 craft guild
10 service companies
20 consumers
30 insurance companies
40 banks
100 computing machines
300 computing machines
The S201-S206 step
Embodiment
For further understanding the above-mentioned purpose of the present invention, function, characteristics and advantage, hereinafter will cooperate the appended graphic preferred embodiment of the present invention that further specifies.
Fig. 1 shows enforcement system schematic of the present invention, and this system comprises a service company 10 (for example travel agency), and it has a computing machine 100, and this service company 10 is the member corporation of an industry trade council 1 (national federations of trade council of for example travelling); One consumer 20; One insurance company 30, it has a computing machine 300; An and bank 40.Wherein, this service company 10 provides a service (for example tour schedule) to give a consumer 20, this service company 10 and an insurance company 30 sign a performance bond insurance contract, so that being provided, a performance bond gives this consumer 20, this service company 10 opens an account in a bank 40, and this bank 40 provides a plurality of virtual numbers of the account to give this service company 10 according to the account.When consumer's 20 desires are bought the service of service company 10, its master data is inputed to a computing machine 100 of this service company 10.This service company 10 then provides a virtual number of the account and gives this consumer 20.And this computing machine 100 of this service company 10 is sent to a computing machine 300 of this insurance company 30 by the Internet with this master data, and this computing machine 300 of this insurance company 30 stores these master datas.Modes such as this consumer 20 can pay in by facing cabinet account transfer, inter-bank remittance, cash, ATM account transfer, voice account transfer, super merchant, network atm account transfer or Internet bank's account transfer are with this virtual number of the account of fund remittance of this service of purchase.This bank 40 notifies this service company 10 and this insurance company 30 after receiving fund, and this consumer 20 has remitted money and finished.This computing machine 300 of this insurance company 30 is associated this master data and guarantees that this performance bond insurance contract fulfils with this performance bond insurance contract.Subsequently, this insurance company 30 provides an authentication to give this consumer 20.
Fig. 2 shows the process flow diagram of guaranteeing the method that a performance bond insurance contract is fulfiled of the present invention, wherein a service company 10 provides a service to give a consumer 20, this service company 10 and an insurance company 30 sign a performance bond insurance contract and give this consumer 20 to provide a transaction to ensure, this service company 10 opens an account to a bank 40, and this bank 40 provides a plurality of virtual numbers of the account to give this service company 10 according to the account.In specific words, this service company 10 is the member corporation (for example, certain second travel agency) of an industry trade council (for example, travelling industry)." performance bond insurance contract " is under the situation that service company 10 can't fulfillment service provides, and the consumer can obtain Claims Resolution by insurance company 30 aspects.With the travelling industry is example, the tourism operator is in period insured, after the tourism member collects tour fee, can't fulfil original tourism contract because of financial problem makes a tourism of arranging or forming a team can't leave or finish whole strokes, cause the tourism member all or partly tour fee suffer a loss, insurance company is according to the agreement of the insurance contract duty to the negative reparations of insurant.It should be noted that the present invention is not limited to the travelling industry, and also can be implemented in the industry of other similarity.For realizing the present invention, this service company 10 must open an account to a bank 40 that can provide virtual number of the account to use for account transfer." virtual number of the account " is meant that service company 10 compiles and edit a virtual number of the account of paying in individually at each client or each transaction, for the client pay in to face cabinet account transfer, inter-bank remittance, cash, ATM account transfer, voice account transfer, super merchant, network atm is transferred accounts and Internet bank's account transfer mode is paid in used.All corresponding its real collecting account of each virtual number of the account.In case the client pays in, fund will directly change the special family of gathering of service company 10 over to, and service company 10 can and download real-time virtual number of the account credit detail by the online inquiry.Because the part that virtual number of the account is formed be client's code name or transaction number, service company by virtual number of the account credit detailed can know know client or the transaction content of paying in, the download archives can be used for built-in system and check and write off automatically.
In step S201, import the computing machine 100 of this consumer's 20 master data to this service company 10.In an embodiment, this basic document comprises name, identity card font size, birthdate.In another embodiment, this master data also comprises service content, service fee, viability.
Then proceed to step S202, this service company 10 specifies a virtual number of the account to give this consumer 20, and this computing machine 100 of this service company 10 is sent to a computing machine 300 of this insurance company 30 by the Internet with this master data, and this computing machine 300 of this insurance company 30 stores these master datas.In another embodiment, this service company 10 can manually specify or specify a virtual number of the account to give this consumer 20 automatically by computing machine 100, pays the bill for this consumer 20.In another embodiment, this master data comprises the proposer's (being service company 10) in the insurance contract, insurant's's (being consumer 20) data.In an embodiment, this basic document comprises consumer 20 name, identity card font size, birthdate.In another embodiment, this master data also comprises service content, service fee, viability.
Then proceed to step S203, this consumer 20 imports this virtual number of the account with a fund.Modes such as this consumer 20 can pay in by facing cabinet account transfer, inter-bank remittance, cash, ATM account transfer, voice account transfer, super merchant, network atm account transfer and Internet bank's account transfer are paid in.
Then proceed to step S204, this bank 40 notifies this service company 10 and 30 these consumers 20 of this insurance company to import and finishes.To the explanation of virtual number of the account, in case consumer 20 pays in, fund will directly change the special family of gathering of service company 10 over to as before, and service company 10 can and download real-time virtual number of the account credit detail by the online inquiry.Because the part that virtual number of the account is formed be client's code name or transaction number, service company 10 can be known by virtual number of the account credit detail and know client or the transaction content of paying in that this is the embodiment of service company's 10 active inquiry.In another embodiment, in case bank 40 finds consumers 20 and finishes when paying in by this virtual number of the account, bank 40 is that this service company 10 of proactive notification and 30 these consumers 20 of this insurance company have imported and finish, and advice method can be by the Advise By Wire of artificial or computer automation, news in brief notice, email notification or real-time communication software notice etc.
Then proceed to step S205, this computing machine 300 of this insurance company 30 is associated this master data and guarantees that this performance bond insurance contract fulfils with this performance bond insurance contract.Particularly, this computing machine 300 of this insurance company 30 just is stored in this master data in one database after receiving this master data of these service company's 10 transmission in step S202.This database promptly is associated with this performance bond insurance contract by this computing machine 300, thereby guarantees that this performance bond insurance contract fulfils.
Then proceed to step S206, the authentication that this insurance company 30 guarantees that this performance bond insurance contract fulfil provides gives this consumer 20.In an embodiment, this authentication can be an entity receipt (for example face cabinet account transfer, face the cabinet remittance, super merchant pays in, during the ATM account transfer) or an electronic receipt when account transfer (for example voice account transfer, network atm account transfer, the Internet bank).This authentication proves that promptly this purchase service transacting of this consumer 20 has obtained the guarantee of complete Claims Resolution.In case when consumer 20 needed Claims Resolution, this insurance company 30 can be according to the amount of money in this authentication, this consumer 20 is given in first dollar coverage.
In another embodiment, after this consumer 20 imported this virtual number of the account with this fund, these bank's 40 circles were deposited this fund.In another embodiment, this fund is in consumer Xie Quan on the secondth and import account of this service company 10 after 20 days of trade.Can reduce the risk of service company's 10 pernicious bankruptcies thus, so to consumer more than 20 a guarantee.
And the insurance company 30 among Fig. 1 or Fig. 2 comprises general traditional insurance company or insurance agency.
Application example: the mode with the fiscard account transfer is bought tour schedule
Certain person certain third tour schedule on the webpage of seeing certain second travel agency on the network, decision is bought after several kinds of considerations, goes to certain second travel agency and certain fourth assistant director negotiation then, and certain person just signs the adhesion contract of travelling with certain second travel agency during the negotiation.Certain fourth assistant director inputs to certain person basic document (during name, I.D. font size, birthdate, tourism content, tourism expense, the tourism) certain penta computer software of certain second travel agency.Behind sequential operation, certain penta computer software just produces a virtual number of the account, and certain person master data is sent to the computing machine of certain hot insurance company by the Internet.Certain fourth assistant director should virtual number of the account provides and gives certain person.Certain person satisfy to certain in heptan bank an ATM with the fiscard remittance of transferring accounts, when finishing account transfer extremely after this virtual number of the account, certain, the computing machine of certain second travel agency and certain hot insurance company promptly notified account transfer information by computer network by the computing machine of bank in heptan.The computing machine of certain hot insurance company imports computer software in certain with this master data in the ninth of the ten Heavenly Stems, and behind sequential operation, certain, computer software produced an authentication in the ninth of the ten Heavenly Stems, and this authentication is sent to this ATM by the Internet.After certain person clicked the button of this ATM printing receipt, this ATM just came out this receipt printing, and this receipt comprises the content of this authentication.In case when the situation of palpus Claims Resolution took place, certain hot insurance company just can give certain person according to the amount of money reparations of this receipt, so, certain person just can obtain Claims Resolution in full.
Though the present invention has utilized above-mentioned preferred embodiment to disclose in detail; right its is not in order to limit the present invention; allly be familiar with this technology personage; without departing from the spirit and scope of the present invention; can carry out various changes and modification, so protection scope of the present invention is worked as with being as the criterion that accompanying claim was defined.
Claims (6)
1. method of guaranteeing that a performance bond insurance contract is fulfiled, wherein, one service company provides a service to give a consumer, this service company and an insurance company sign a performance bond insurance contract and give this consumer to provide a transaction to ensure, this service company opens an account to a bank, this bank provides a plurality of virtual numbers of the account to give this service company according to the account, and this method comprises the following step:
Import the computing machine of this consumer's master data to this service company;
This service company specifies a virtual number of the account to give this consumer, and this computing machine of this service company is sent to a computing machine of this insurance company, this master data of this computer stored of this insurance company by the Internet with this master data;
This consumer imports this virtual number of the account with a fund;
This bank notifies this service company and this consumer of this insurance company to import and finishes;
This computing machine of this insurance company is associated this master data and guarantees that this performance bond insurance contract fulfils with this performance bond insurance contract; And
The authentication that this insurance company guarantees that this performance bond insurance contract fulfil provides gives this consumer.
2. the method for claim 1 is characterized in that, this service company is the member corporation of an industry trade council.
3. the method for claim 1 is characterized in that, this remittance is to use fiscard account transfer, call voice account transfer, Internet bank's account transfer, network atm account transfer, face that cabinet imports, remittance imports wherein one.
4. the method for claim 1 is characterized in that, after this consumer imported this virtual number of the account with this fund, this bank's circle was deposited this fund.
5. method as claimed in claim 4 is characterized in that, this fund imports the account of this service company in second day in the future Xie Quan of consumer transaction.
6. the method for claim 1 is characterized in that, this master data comprises name, identity card font size, birthdate.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101294979A CN102194197A (en) | 2010-03-03 | 2010-03-03 | Method for ensuring fulfillment of surety bond insurance contract |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101294979A CN102194197A (en) | 2010-03-03 | 2010-03-03 | Method for ensuring fulfillment of surety bond insurance contract |
Publications (1)
| Publication Number | Publication Date |
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| CN102194197A true CN102194197A (en) | 2011-09-21 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010101294979A Pending CN102194197A (en) | 2010-03-03 | 2010-03-03 | Method for ensuring fulfillment of surety bond insurance contract |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103065264A (en) * | 2012-02-16 | 2013-04-24 | 郭扶中 | System for managing risk of bond insurance cash flow |
| CN104091217A (en) * | 2013-04-01 | 2014-10-08 | 林镇业 | Performance bond control method |
| CN104484806A (en) * | 2014-11-07 | 2015-04-01 | 温崇维 | Creation service transaction system |
| CN108062663A (en) * | 2017-04-06 | 2018-05-22 | 成都市舟易企业管理有限责任公司 | A kind of financing service and method |
-
2010
- 2010-03-03 CN CN2010101294979A patent/CN102194197A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103065264A (en) * | 2012-02-16 | 2013-04-24 | 郭扶中 | System for managing risk of bond insurance cash flow |
| CN103065264B (en) * | 2012-02-16 | 2016-01-06 | 郭扶中 | System for managing risk of bond insurance cash flow |
| CN104091217A (en) * | 2013-04-01 | 2014-10-08 | 林镇业 | Performance bond control method |
| CN104484806A (en) * | 2014-11-07 | 2015-04-01 | 温崇维 | Creation service transaction system |
| CN108062663A (en) * | 2017-04-06 | 2018-05-22 | 成都市舟易企业管理有限责任公司 | A kind of financing service and method |
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Application publication date: 20110921 |