CN102855709A - Self-service insurance vending terminal and using method thereof - Google Patents

Self-service insurance vending terminal and using method thereof Download PDF

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Publication number
CN102855709A
CN102855709A CN2012102726038A CN201210272603A CN102855709A CN 102855709 A CN102855709 A CN 102855709A CN 2012102726038 A CN2012102726038 A CN 2012102726038A CN 201210272603 A CN201210272603 A CN 201210272603A CN 102855709 A CN102855709 A CN 102855709A
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China
Prior art keywords
user
self
module
terminal
paying
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Granted
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CN2012102726038A
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Chinese (zh)
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CN102855709B (en
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不公告发明人
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China Life Insurance Co Ltd Jiangsu Branch
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China Life Insurance Co Ltd Jiangsu Branch
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Priority to CN2012102726038A priority Critical patent/CN102855709B/en
Publication of CN102855709A publication Critical patent/CN102855709A/en
Application granted granted Critical
Publication of CN102855709B publication Critical patent/CN102855709B/en
Expired - Fee Related legal-status Critical Current
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Abstract

The invention provides a self-service insurance vending terminal and a using method thereof. The method includes: step one, providing detailed information of gift insurance products and pay insurance products so that users can select after reading the information; step two, collecting personal information of the users; step three, verifying the collected information of the users, if succeeds, performing a step four, and if fails, returning to the step two; and the step four, the self-service insurance vending terminal determining a paying mode according to users' selection, and the users finishing the purchase operation for the selected gift insurance products or the pay insurance products, wherein the gift insurance products are purchased by activated cards, and the pay insurance products are paid by cash or bank cards. According to the terminal and the method, the operation is simple, the arrangement is convenient, various paying modes are supported, and management functions are abundant.

Description

A kind of self-service selling protected terminal and using method thereof
Technical field
The invention belongs to electronic information technical field, relate in particular to a kind of self-service selling and protect terminal and using method thereof.
Background technology
The insurance sales channel refer to insured goods is from insurance company to insured's transfer process the approach of process.The selection of insurance sales channel directly restricts and affects formulation and the implementation effect of its sales tactics.Select suitable marketing channel, not only can reduce the expenditure of insurance company's working expense, but also can facilitate the sale of insured goods.
The insurance sales channel can be divided into direct marketing channel and indirect sales channel according to having or not insurance intermediary to participate in.The direct marketing channel refers to that insurance company passes through the professional sales mode of marketing channel acquisition of oneself; Indirect sales refer to that insurance company passes through intermediary's channel (as insuring professional agency, insure financial class/non-financial class cross-business agency institutions) and obtains professional sales mode.
The direct marketing channel is a kind of marketing channel that can make insurance company and consumer carry out each other direct dealing.In the direct marketing channel, insurance company is devoted to directly to set up with family certainly and contacts, and utilizes one or more media, and guide consumption person or potential buyer produce immediate response or appropriate reaction, as buying or the consulting insurance products.Concrete grammar has:
1. marketing personnel sell.Marketing personnel sell and refer to that the insurance agent of insurance company carries out the mode that insurance products is sold.This is a kind of traditional insurance sales mode, and namely the insurance agent of insurance company is by the mode marketing insurance product such as to the doorstep.
2. straight-forward network is sold.It is a kind ofly insurance products to be provided or the marketing method of relevant information is provided by company the Internet portal website that straight-forward network is sold.
3. telemarketing.Telemarketing is to utilize phone to sell.Telemarketing refers generally to utilize the particular telephone line to sell, and can enjoy like this discount of particular number district direct-dial telephone.
Yet in above-mentioned sales process, will fly to feel inconvenience owing to service provides the finiteness of outlet of company to make, program is complicated, the telemarketing product is more single, the guarantee interests are simple, generally are some accident insurances, the insurance of savings class, and post-service does not catch up with.Sell and buy via agency or procurator, because agency or procuratorial quality are uneven, have larger risk for the consumer, definite as the service agreement authenticity is difficult for, the inaccurate expression such as related responsibility and liability exemption may misguide the consumer.
In view of this, be necessary to provide a kind of self-service selling to protect terminal and using method thereof to address the above problem.
Summary of the invention
The object of the present invention is to provide a kind of self-service selling to protect terminal and using method thereof.It is operating as main operational means with user self-help, integrates the Multifunctional self-help terminal platform of the functions such as sale, user's inquiry, value-added service.
A kind of self-service using method of protecting terminal of selling of the present invention, described method comprises:
S1, provide the details of giving dangerous product and paying danger product, the user is according to reading information and select;
S2, collection user's personal information;
S3, the user profile that gathers is verified, if be proved to be successful, execution in step S4 is if authentication failed is returned step S2;
S4, self-service selling are protected terminal system and are determined the modes of payments according to user selection, and the user finishes and buys operation give dangerous product or the paying danger product selected, wherein, give dangerous product and use and activate card and buy, and the dangerous product of paying makes in cash or the bank card payment.
As a further improvement on the present invention, the personal information among the described step S2 comprises address name, sex, date of birth and contact method.
As a further improvement on the present invention, described step S3 is specially:
Send authorization information by SMS platform to the user, described authorization information is the identifying code note;
After user's confirmation, the identifying code in the input validation code note carries out Information Authentication.
As a further improvement on the present invention, described step S4 comprises:
When giving dangerous product purchase, self-service selling protected the card number that terminal system is obtained the activation card, and activation institute obtains to activate and blocks, and uses the activation card to finish the purchase operation of insurance products;
When paying dangerous product purchase, enter and select modes of payments interface, user selection is by paying in cash module or finish payment by the bank card payment module, wherein, the module of paying in cash comprises that insert coins unit, coin and paper money recognition unit, coin and bank note change-giving unit, coin of coin and bank note adds coin unit and strip print unit, and the bank card payment module comprises card reading unit, Password Input unit and strip print unit.
As a further improvement on the present invention, described step S4 also comprises:
The user-pay success, self-service selling protected terminal provides invoice and/or declaration form for the received payment insurance products printing.
As a further improvement on the present invention, also comprise behind the described step S4:
By printing the mode of strip or SMS notification, notify the user to insure successfully.
As a further improvement on the present invention, described method also comprises:
Newly-increased, modification and online query insurance products, and download described insurance products inventory.
Correspondingly, a kind ofly self-servicely sell the guarantor terminal, described self-service selling protected terminal and comprised principal computer, the display module that links to each other with principal computer, and the described self-service guarantor's terminal of selling also comprises:
Product is selected module, comprises the details of giving dangerous product and paying danger product, reads and selection for the user;
Information acquisition module is for the personal information that gathers the user;
The Information Authentication module is used for the information that information acquisition module gathers is verified;
Give dangerous product purchase module, be used for the user the dangerous product of giving of having selected is finished the purchase operation;
The dangerous product purchase module of paying is used for the user and the paying danger product of having selected is finished is bought operation;
The abnormality processing module is for the treatment of the anomalous event of burst.
As a further improvement on the present invention, the described self-service guarantor's terminal of selling also comprises the power supply assurance module, described power acquisition ups power group.
As a further improvement on the present invention, the described self-service guarantor's terminal of selling also comprises the monitoring video unit, is used for user's operating process is recorded a video.
As a further improvement on the present invention, described Information Authentication module also is used for sending the notice item SMS notification of accepting insurance to the user.
As a further improvement on the present invention, described abnormality processing module also is used for the SMS notification to system manager's transmitting system abnormal information.
The present invention is self-service to be sold and protects terminal and using method has the following advantages:
The user experiences, and is simple to operate, can finish from product and choose all operations were that the voucher of insuring is printed, and the overwhelming majority is used per family can the complete independently all operations were.
Support the multiple modes of payments, convenient for guaranteeing the user, self-service selling protected terminal support Unionpay and two kinds of modes of payments of cash paying, the purchase that has great convenience for the user.
Perfect in shape and function provides and has enriched management function, can be for different self-aided terminal, sell different dangerous product and the paying danger products given, and greatly improved the market adaptability of system.
It is convenient to dispose, and by advanced person's wireless network technology, system can be deployed to each area easily.
Description of drawings
Fig. 1 is the self-service using method process flow diagram of protecting terminal of selling of the present invention.
Fig. 2 is the process of purchase figure that gives dangerous product in an embodiment of the present invention.
Fig. 3 is the process of purchase figure of the dangerous product of paying in an embodiment of the present invention.
Fig. 4 is the self-service module diagram of protecting terminal of selling of the present invention.
Embodiment
Describe the present invention below with reference to each embodiment shown in the drawings.But these embodiments do not limit the present invention, and the conversion on the structure that those of ordinary skill in the art makes according to these embodiments, method or the function all is included in protection scope of the present invention.
Join shown in Figure 1ly, a kind of self-service using method of protecting terminal of selling of the present invention comprises:
S1, provide the details of giving dangerous product and paying danger product, the user is according to reading information and select;
S2, collection user's personal information;
S3, the user profile that gathers is verified, if be proved to be successful, execution in step S4 is if authentication failed is returned step S2;
S4, self-service selling are protected terminal system and are determined the modes of payments according to user selection, and the user finishes and buys operation give dangerous product or the paying danger product selected, wherein, give dangerous product and use and activate card and buy, and the dangerous product of paying makes in cash or the bank card payment.
Further, step S4 also comprises among the present invention:
The user-pay success, self-service selling protected terminal provides invoice and/or declaration form for the received payment insurance products printing.
Also comprise behind the step S4:
By printing the mode of strip or SMS notification, notify the user to insure successfully.
Below to give dangerous product or paying the danger product purchasing method further specify.
The purchasing method that the present invention gives dangerous product may further comprise the steps:
S11, provide the details of giving dangerous product, the user is according to reading information and select;
S12, collection user's personal information.Personal information comprises address name, sex, date of birth and contact method;
S13, the user profile that gathers is verified, if be proved to be successful, execution in step S14 is if authentication failed is returned step S12.Send authorization information by SMS platform to the user, wherein authorization information is the identifying code note; After user's confirmation, the identifying code in the input validation code note carries out Information Authentication;
S14, user finish the purchase operation to the dangerous product of giving of having selected.When giving dangerous product purchase, self-service selling protected the card number that terminal system is obtained the activation card, and activation institute obtains to activate and blocks, and uses the activation card to finish the purchase operation of insurance products.
Fig. 2 is the process of purchase figure that the present invention gives dangerous product, in conjunction with Fig. 2 the purchase of giving dangerous product is described further.
Self-service sell protect in the terminal shown give dangerous product be according to the institution where he works and under the product that sets of set of terminal.The danger of giving that the terminating machine of different institutions or affiliated different terminals group shows can be different.Giving in the present embodiment the mode of selling employing activation card in the danger sells.
After the user clicks and gives product, system enters product introduction (clause) interface, reads for the operator, needs to buy, can click purchase, enter the user profile acquisition interface, the user is by brush China second-generation identity card mode registered user name, sex, date of birth, passport NO. information, and manual typing contact method, after click is determined, system to store information also carries out regular verification to user profile, meets the user of verification rule, just can buy this product.System call activates card interface, obtains and activates the card card number, and activate card.Do not meet and to return error message, and provide return push-button to return.After finishing, operate the successfully mode such as printable strip or SMS notification such as system, notify the user to insure successfully; As operate unsuccessful, the interface display error reason.When system finished declaration form and gives, the information of recording user was in order to follow-uply carry out two time selling to this user.The back-stage management function provides gives dangerous maintenance of information function.The operator can change or safeguards the danger of giving of self-aided terminal by this function.
The pay using method of dangerous product of the present invention may further comprise the steps:
S21, provide the details of the dangerous product of paying, the user is according to reading information and select;
S22, collection user's personal information.Personal information comprises address name, sex, date of birth and contact method;
S23, the user profile that gathers is verified, if be proved to be successful, execution in step S24 is if authentication failed is returned step S22.Send authorization information by SMS platform to the user, wherein authorization information is the identifying code note; After user's confirmation, the identifying code in the input validation code note carries out Information Authentication;
S24, user finish the paying danger product of having selected and buy operation.Enter and select modes of payments interface, user selection is by paying in cash module or finish payment by the bank card payment module, wherein, the module of paying in cash comprises that insert coins unit, coin and paper money recognition unit, coin and bank note change-giving unit, coin of coin and bank note adds coin unit and strip print unit, and the bank card payment module comprises card reading unit, Password Input unit and strip print unit.
Fig. 3 is the pay process of purchase figure of dangerous product of the present invention, in conjunction with Fig. 3 the purchase of the dangerous product of paying is described further.
Self-service sell protect shown paying product in the terminal be according to the institution where he works and under the product that sets of set of terminal.The paying product that the terminating machine of different institutions or affiliated different terminals group shows can be different.
During system initialization, call the odd numbers interface of insuring, obtain the insurance application number of some, use when selling list for system.
After the user clicks short dangerous product, system enters product introduction (clause) interface, reads for the operator, needs to buy, can click purchase, enter the user profile acquisition interface, the user is by information such as brush China second-generation identity card registered user name, sex, date of birth, passport NO.s, and manual typing contact method, after clicking preservation, system to store information also carries out regular verification to user profile, meets the user of verification rule, just can buy this product.Do not meet and to return error message, and provide return push-button to return.Finish the laggard modes of payments interface that enters to select, the user can select by paying in cash or finishing payment by bank card, the user need to brush bank card, and input password, then submit to data to third-party payment system, if third party payment is returned and overtimely or overtime all automatically initiated punching without retrieval system and just conclude the business, then prompting user is paid the fees unsuccessfully.Operate the successfully mode such as printable strip or SMS notification such as system, notify the user to insure successfully; As operate unsuccessful, the interface display error reason.
The management of product function of selling.By the back-stage management function institute's product sold is managed.As increasing, delete institute's sell goods.
Product for new application purchase, because the self-service guarantor's terminal of selling can only be sold the accident insurance of part short-term, buy the wish of other insurance products for collecting the user, product and recommended information that this function can provide many moneys now to sell to the user, the user can select the product have a mind and to buy according to s own situation, and typing user's essential information and contact method (with giving the acquisition mode of the user profile in the product), system preserves user profile and product information after submitting to.
System can be by closing the mode of list or back-stage management function day, and with this type of user related information, the colleague or the procurator that offer call center continue follow-up.
Further, self-service among the present invention sold and protects terminal and also can carry out the cash settlement managing queries, the cash settlement inventory, wherein querying condition comprise the time rise, the time ends, the terminating machine coding.The Query Result displaying contents comprises mechanism, terminating machine code, reckoner, clearing time, settlement amounts etc., and Query Result can be led into the excel file.
Ginseng Figure 4 shows that the self-service module diagram of protecting terminal of selling of the present invention, comprise principal computer 10, the display module 20 that links to each other with principal computer 10, also comprises linking to each other with principal computer 10:
Product is selected module 30, comprises the details of giving dangerous product and paying danger product, reads and selection for the user;
Information acquisition module 40 is for the personal information that gathers the user.Wherein information acquisition module 40 comprises: the I.D. scan module is used for gathering address name, sex and date of birth; Manual load module is used for gathering user's contact method;
Information Authentication module 50 is used for the information that information acquisition module gathers is verified.Send authorization information by SMS platform to the user, and then user profile is verified, and send the chance failure SMS notification to the system manager;
Give dangerous product purchase module 61, be used for the user the dangerous product of giving of having selected is finished the purchase operation;
The dangerous product purchase module 62 of paying is used for the user and the paying danger product of having selected is finished is bought operation;
Abnormality processing module 70, for the treatment of the anomalous event of burst, such as system failure etc., simultaneously, the abnormality processing module can be to the SMS notification of system manager's transmitting system abnormal information.
Preferably, give dangerous product purchase module 61 and also comprise the activation card interface module, activate the card number that blocks for obtaining, and activate institute and obtain the activation card.
Above-mentioned paying danger product purchase module 62 also comprises:
The module of paying in cash, the module of paying in cash comprises that insert coins unit, coin and paper money recognition unit, coin and bank note change-giving unit, coin of coin and bank note adds coin unit and strip print unit, and the small change unit in the module of paying in cash is used for supporting change making function;
The bank card payment module comprises card reading unit, Password Input unit and strip print unit.
Further, the self-service guarantor's terminal of selling also comprises the power supply assurance module, and the power acquisition among the present invention is organized with ups power (uninterrupted power source).
In order to ensure the self-service use safety of protecting terminal of selling, also be provided with the monitoring video unit, be used for user's operating process is recorded a video.
Compared with prior art, self-service the selling of the present invention protected terminal and using method has the following advantages:
The user experiences, and is simple to operate, can finish from product and choose all operations were that the voucher of insuring is printed, and the overwhelming majority is used per family can the complete independently all operations were.
Support the multiple modes of payments, convenient for guaranteeing the user, self-service selling protected terminal support Unionpay and two kinds of modes of payments of cash paying, the purchase that has great convenience for the user.
Perfect in shape and function provides and has enriched management function, can be for different self-aided terminal, sell different dangerous product and the paying danger products given, and greatly improved the market adaptability of system.
It is convenient to dispose, and by advanced person's wireless network technology, system can be deployed to each area easily.
It is convenient to dispose, and by advanced person's wireless network technology, system can be deployed to each area easily.
For the convenience of describing, be divided into various unit with function when describing above device and describe respectively.Certainly, when implementing the application, can in same or a plurality of softwares and/or hardware, realize the function of each unit.
As seen through the above description of the embodiments, those skilled in the art can be well understood to the application and can realize by the mode that software adds essential general hardware platform.Based on such understanding, the part that the application's technical scheme contributes to prior art in essence in other words can embody with the form of software product, this computer software product can be stored in the storage medium, such as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the application or embodiment.
Device embodiments described above only is schematic, wherein said unit as the separating component explanation can or can not be physically to separate also, the parts that show as the unit can be or can not be physical locations also, namely can be positioned at a place, perhaps also can be distributed on a plurality of network element.Can select according to the actual needs wherein some or all of module to realize the purpose of present embodiment scheme.Those of ordinary skills namely can understand and implement in the situation that do not pay creative work.
The application can be used in numerous general or special purpose computingasystem environment or the configuration.For example: personal computer, server computer, handheld device or portable set, plate equipment, multicomputer system, the system based on microprocessor, set top box, programmable consumer-elcetronics devices, network PC, small-size computer, mainframe computer, comprise distributed computing environment of above any system or equipment etc.
The application can describe in the general context of the computer executable instructions of being carried out by computing machine, for example program module.Usually, program module comprises the routine carrying out particular task or realize particular abstract data type, program, object, assembly, data structure etc.Also can in distributed computing environment, put into practice the application, in these distributed computing environment, be executed the task by the teleprocessing equipment that is connected by communication network.In distributed computing environment, program module can be arranged in the local and remote computer-readable storage medium that comprises memory device.
Be to be understood that, although this instructions is described according to embodiment, but be not that each embodiment only comprises an independently technical scheme, this narrating mode of instructions only is for clarity sake, those skilled in the art should make instructions as a whole, technical scheme in each embodiment also can through appropriate combination, form other embodiments that it will be appreciated by those skilled in the art that.
Above listed a series of detailed description only is specifying for feasibility embodiment of the present invention; they are not to limit protection scope of the present invention, allly do not break away from equivalent embodiment or the change that skill spirit of the present invention does and all should be included within protection scope of the present invention.

Claims (12)

1. the self-service using method of protecting terminal of selling is characterized in that, described method comprises:
S1, provide the details of giving dangerous product and paying danger product, the user is according to reading information and select;
S2, collection user's personal information;
S3, the user profile that gathers is verified, if be proved to be successful, execution in step S4 is if authentication failed is returned step S2;
S4, self-service selling are protected terminal system and are determined the modes of payments according to user selection, and the user finishes and buys operation give dangerous product or the paying danger product selected, wherein, give dangerous product and use and activate card and buy, and the dangerous product of paying makes in cash or the bank card payment.
2. using method according to claim 1 is characterized in that, the personal information among the described step S2 comprises address name, sex, date of birth and contact method.
3. using method according to claim 2 is characterized in that, described step S3 is specially:
Send authorization information by SMS platform to the user, described authorization information is the identifying code note;
After user's confirmation, the identifying code in the input validation code note carries out Information Authentication.
4. using method according to claim 1 is characterized in that, described step S4 comprises:
When giving dangerous product purchase, self-service selling protected the card number that terminal system is obtained the activation card, and activation institute obtains to activate and blocks, and uses the activation card to finish the purchase operation of insurance products;
When paying dangerous product purchase, enter and select modes of payments interface, user selection is by paying in cash module or finish payment by the bank card payment module, wherein, the module of paying in cash comprises that insert coins unit, coin and paper money recognition unit, coin and bank note change-giving unit, coin of coin and bank note adds coin unit and strip print unit, and the bank card payment module comprises card reading unit, Password Input unit and strip print unit.
5. using method according to claim 1 is characterized in that, described step S4 also comprises:
The user-pay success, self-service selling protected terminal provides invoice and/or declaration form for the received payment insurance products printing.
6. using method according to claim 1 is characterized in that, also comprises behind the described step S4:
By printing the mode of strip or SMS notification, notify the user to insure successfully.
7. using method according to claim 1 is characterized in that, described method also comprises:
Newly-increased, modification and online query insurance products, and download described insurance products inventory.
8. as claimed in claim 1ly self-servicely sell the guarantor terminal for one kind, described self-service selling protected terminal and comprised principal computer, the display module that links to each other with principal computer, it is characterized in that, the described self-service guarantor's terminal of selling also comprises:
Product is selected module, comprises the details of giving dangerous product and paying danger product, reads and selection for the user;
Information acquisition module is for the personal information that gathers the user;
The Information Authentication module is used for the information that information acquisition module gathers is verified;
Give dangerous product purchase module, be used for the user the dangerous product of giving of having selected is finished the purchase operation;
The dangerous product purchase module of paying is used for the user and the paying danger product of having selected is finished is bought operation;
The abnormality processing module is for the treatment of the anomalous event of burst.
9. according to claim 8ly self-servicely sell the guarantor terminal, it is characterized in that, described self-service selling protected terminal and also comprised the power supply assurance module, described power acquisition ups power group.
10. according to claim 8ly self-servicely sell the guarantor terminal, it is characterized in that, described self-service selling protected terminal and also comprised the monitoring video unit, is used for user's operating process is recorded a video.
11. according to claim 8ly self-servicely sell the guarantor terminal, it is characterized in that, described Information Authentication module also is used for sending the notice item SMS notification of accepting insurance to the user.
12. according to claim 8ly self-servicely sell the guarantor terminal, it is characterized in that, described abnormality processing module also is used for the SMS notification to system manager's transmitting system abnormal information.
CN2012102726038A 2012-06-20 2012-08-02 Self-service insurance vending terminal and using method thereof Expired - Fee Related CN102855709B (en)

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CN201210204947 2012-06-20
CN201210204947.5 2012-06-20
CN2012102726038A CN102855709B (en) 2012-06-20 2012-08-02 Self-service insurance vending terminal and using method thereof

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CN102855709B CN102855709B (en) 2013-07-10

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Publication number Priority date Publication date Assignee Title
CN104063966A (en) * 2013-03-22 2014-09-24 中国太平洋人寿保险股份有限公司 Intelligent mobile insurance sales service platform and service flow realizing method
CN106157149A (en) * 2016-08-03 2016-11-23 合肥奇也信息科技有限公司 A kind of many insurance kinds self-service insurance vending system

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CN101859342A (en) * 2009-04-08 2010-10-13 东芝泰格有限公司 Order receiving apparatus and order receiving method

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Publication number Priority date Publication date Assignee Title
US5845256A (en) * 1993-08-19 1998-12-01 John B. Pescitelli Interactive self-service vending system
JPH10171898A (en) * 1996-12-06 1998-06-26 Hitachi Ltd Remote consultation method
US6113493A (en) * 1997-02-21 2000-09-05 Walker Digital, Llc System and method for generating and executing insurance policies for gambling losses
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KR20020044449A (en) * 2000-12-06 2002-06-15 이창엽 A sale method of an insurance using vending machine on the computer network
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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104063966A (en) * 2013-03-22 2014-09-24 中国太平洋人寿保险股份有限公司 Intelligent mobile insurance sales service platform and service flow realizing method
CN106157149A (en) * 2016-08-03 2016-11-23 合肥奇也信息科技有限公司 A kind of many insurance kinds self-service insurance vending system

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