CN102999868A - Insurance contract operating system, insurance contract operating method and business management tool on basis of cloud computing - Google Patents
Insurance contract operating system, insurance contract operating method and business management tool on basis of cloud computing Download PDFInfo
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- CN102999868A CN102999868A CN2011102910525A CN201110291052A CN102999868A CN 102999868 A CN102999868 A CN 102999868A CN 2011102910525 A CN2011102910525 A CN 2011102910525A CN 201110291052 A CN201110291052 A CN 201110291052A CN 102999868 A CN102999868 A CN 102999868A
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Abstract
Disclosed are an insurance contact operating system, an insurance contract operating method and a business management tool on the basis of cloud computing. The system comprises an insurance auditing server and the business management tool; the insurance auditing server receives an electronic proposing file which contains proposing data and an electronic signature and an electronic mailbox, the electronic proposing file is examined to determine whether the electronic proposing file meets underwriting rules or not, and an electronic insurance policy is generated if the electronic proposing file meets the underwriting rules, and is mailed to the electronic mailbox; and the business management tool can be connected with the insurance auditing server and comprises a communication unit, a touch screen, a processing unit and a control and management program executed by the processing unit. The control and management program includes steps of (a), receiving the proposing data, the electronic signature and the electronic mailbox via the touch screen; (b), archiving the electronic proposing file so that the electronic proposing file contains the proposing data and the electronic signature; and (c), transmitting the electronic proposing file and the electronic mailbox to the insurance auditing server by the aid of the communication unit. The insurance contact operating system, the insurance contract operating method and the business management tool have the advantage that the underwriting waiting time is saved.
Description
Technical field
The present invention relates to a kind of insurance contract operating system, operational know-how and service management instrument, refer to especially a kind of insurance contract operating system based on the high in the clouds computing, method and service management instrument.
Background technology
The meaning of insurance on law and economics is a kind of risk management mode, is mainly used in lowering the risk of economic loss.Insurance is defined as by paying certain expense, with risk on average the marrying again to an entity sets of an entity potential loss.Be to confirm the validity of insurance, the sale of insurance with sign the flow process that a cover standard is arranged, and with insurance contract as written foundation.Insurance contract is the contract that business insurance people from China National Investment ﹠ Guaranty Corp. (proposer) and insurance company arrange the rights and obligations relation, in general, comprises the proposal of insurance and insurance slip, and the two consists of offer and promise, and the additional policy clause that comprises general agreement consists of jointly.
Present insurance sales mode mainly is the written data that the insurance business personnel carry various insurance coverages, introduce the kind of insurance coverage to insurer (proposer), and according to insurance business personnel's specialty and experience, recommend the suitable insurance coverage of insurer (proposer).After insurer (proposer) determined its insurance coverage of wanting to insure, insurance business personnel can take out the proposal of insurance of hard copy, asked insurer (proposer) to fill in and will protect data and autograph to meet the regulation of insuring competent authority.The proposal of insurance business personnel that is insured subsequently sends insurance company back to and examines, and according to existing way, what the back office force of insurance company will protect book will protect the computing machine that the data input possesses the insurance audit function, carries out audit by computing machine, to promote review efficiency.If insurer's (proposer) the data communication device of will protecting is crossed audit, then can printout one insurance slip, give the insurer (proposer) for the back office force of insurance company by modes such as mailing or business personnel parent send.
Although a series of flow processs of insurance company's expectation from the recommendation insurance coverage to the export insurance list can both be electronic, but the software and hardware that is not fit to can be integrated in existing insurance work flow, if can the insurance work flow is comprehensively electronic, can not only provide rapidly insurer (proposer) to ensure, also can reduce the operation costs of insurance company, therefore, be necessary to seek solution.
Thereby, need to provide a kind of insurance contract operating system and operational know-how based on the high in the clouds computing, to address the above problem.
Summary of the invention
Therefore, primary and foremost purpose of the present invention is namely providing a kind of insurance contract operating system based on the high in the clouds computing.
So the insurance contract operating system based on the high in the clouds computing of the present invention comprises a demand analysis server, first sentence nuclear insurance server and a service management instrument.This demand analysis server is produced an offer document in order to after receiving a plurality of demand parameters.This audit insurance server in order to receive one comprise one to protect data and one the electronic signature electronics to protect file and an e-mail box, this audit insurance server is examined this electronics and will be protected file and whether meet underwriting rule, if, then produce an electronic insurance policy, and send this electronic insurance policy to this e-mail box.This service management instrument connects this demand analysis server and this audit insurance server, comprise that a communication unit, a Touch Screen, are electrically connected the processing unit of this communication unit and this Touch Screen, an and keyholed back plate program of being carried out by this processing unit, this keyholed back plate program is carried out the following step: at first, receive these demand parameters by this Touch Screen; Then, utilize this communication unit to transmit these demand parameters to this demand analysis server; Moreover, utilize this communication unit to receive this offer document of this demand analysis server made; Then, make this Touch Screen show a pair of agreement button that should offer document; Whether then, detect this agreement button is selected; Moreover, if it is selected to detect this agreement button, then receives this by this Touch Screen and will protect data, this electronic signature and this e-mail box; Then, converge that whole this will be protected data and this electronic signature is that an electronics will be protected file; Then, utilize this communication unit to transmit that this electronics will be protected file and this e-mail box is examined insurance server to this.
The present invention also provides a kind of insurance contract operating system based on the high in the clouds computing, should comprise based on the insurance contract operating system of high in the clouds computing: first sentence nuclear insurance server, this audit insurance server in order to receive one comprise one to protect data and one the electronic signature electronics to protect file and an e-mail box, this audit insurance server is examined this electronics and will be protected file and whether meet underwriting rule, if, then produce an electronic insurance policy, and send this electronic insurance policy to this e-mail box; An and service management instrument, this service management instrument can connect this audit insurance server, this service management instrument comprises a communication unit, one Touch Screen, one is electrically connected the processing unit of this communication unit and this Touch Screen, an and keyholed back plate program of being carried out by this processing unit, this keyholed back plate program comprises the following steps: that (a) receives this by this Touch Screen and will protect data, this electronic signature and this e-mail box, (b) the whole electronics of remittance will be protected file, make this electronics will protect file and have this and will protect data and this electronic signature, and (c) utilize this communication unit to transmit that this electronics will be protected file and this e-mail box is examined insurance server to this.
In addition, another object of the present invention is namely providing a kind of insurance contract operational know-how based on the high in the clouds computing.
So, insurance contract operational know-how based on the high in the clouds computing of the present invention uses a demand analysis server, first sentence nuclear insurance server, and the service management instrument of a Touch Screen, to carry out the following step: at first, this service management instrument receives a plurality of demand parameters by this Touch Screen.Then, this service management instrument transmits these demand parameters to this demand analysis server.Moreover, after this demand analysis server receives these demand parameters, produce an offer document, and be sent to this service management instrument.Then, this service management instrument receives this offer document.Then, the Touch Screen of this service management instrument shows this offer document and a pair of agreement button that should offer document.Moreover whether this service management instrument detects this agreement button by this Touch Screen selected.Then, if should agree that button was selected, then this service management instrument receives one by this Touch Screen and will protect data, electronic signature and an e-mail box.Then, this service management instrument converges that whole this will be protected data and this electronic signature is that an electronics will be protected file.Moreover this service management instrument transmits that this electronics will be protected file and this e-mail box is examined insurance server to this.Then, this audit insurance server is examined this electronics and will be protected file and whether meet underwriting rule.Then, meet this underwriting rule if this electronics will be protected file, then this audit insurance server produces an electronic insurance policy, and sends this electronic insurance policy to this e-mail box.
The present invention also provides a kind of insurance contract operational know-how based on the high in the clouds computing, operate on the service management instrument that first sentence nuclear insurance server and comprises a Touch Screen, this operational know-how comprises the following steps: that (a) this service management instrument receives one by this Touch Screen and will protect data, electronic signature and an e-mail box; (b) this service management instrument converges a whole electronics and will protect file, makes this electronics will protect file and comprises that this will protect data and this electronic signature; (c) this service management instrument transmits that this electronics will be protected file and this e-mail box is examined insurance server to this; (d) this audit insurance server is examined this electronics and will be protected file and whether meet underwriting rule; And if (e) this electronics will be protected file and meets this underwriting rule, then this audit insurance server produces an electronic insurance policy, and sends this electronic insurance policy to this e-mail box.
Moreover a further object of the present invention is namely providing a kind of service management instrument based on the high in the clouds computing.
So, service management instrument based on the high in the clouds computing of the present invention is applicable to insurance business and uses, and can connect a demand analysis server and first sentence nuclear insurance server, this demand analysis server is in order to after receiving a plurality of demand parameters, produce an offer document and be sent to this service management instrument, and this audit insurance server in order to receive one comprise one to protect data and one the electronic signature electronics to protect file and an e-mail box, this service management instrument comprises: a communication unit, a Touch Screen, a storer and a processing unit.This communication unit is in order to connect this demand analysis server and this audit insurance server.This memory storage one keyholed back plate program.This processing unit is electrically connected this communication unit, this Touch Screen and this storer, and carries out this keyholed back plate program to carry out the following step: at first, receive these demand parameters by this Touch Screen.Then, utilize this communication unit to transmit these demand parameters to this demand analysis server.Moreover, utilize this communication unit to receive this offer document of this demand analysis server made.Then, make this Touch Screen show a pair of agreement button that should offer document.Whether then, detect this agreement button is selected.Moreover, if it is selected to detect this agreement button, then receives this by this Touch Screen and will protect data, this electronic signature and this e-mail box.Then, converge that whole this will be protected data and this electronic signature is that an electronics will be protected file.Then, utilize this communication unit to transmit that this electronics will be protected file and this e-mail box is examined insurance server to this.
The present invention also provides a kind of service management instrument based on the high in the clouds computing, is applicable to insurance business and uses, and this service management instrument comprises: a communication unit; One Touch Screen; One storer, this memory storage one keyholed back plate program; An and processing unit, this processing unit is electrically connected this communication unit, this Touch Screen and this storer, wherein this processing unit carries out the following step when this keyholed back plate program of execution: (a) receive one by this Touch Screen and will protect data and an electronic signature, (b) the whole electronics of remittance will be protected file, making this electronics will protect file has this and will protect data and this electronic signature, and (c) utilize this communication unit to transmit this electronics and will protect file, to start the program of first sentence nuclear insurance.
Effect of the present invention is the service management instrument is imported the insurance work flow, concept and technology with the high in the clouds computing are significantly saved the time that insurer (proposer) waits for underwriting, reduce the required hard copy quantity of documents that carries of business personnel, more promote the review efficiency of insurance company.
Description of drawings
Fig. 1 is a system block diagram, and the preferred embodiment of the insurance contract operating system based on the high in the clouds computing of the present invention is described;
Figure 1A is a block scheme, and the service management instrument based on the high in the clouds computing of the present invention is described;
Fig. 2 is a flow process block scheme, and the first of the preferred embodiment of the insurance contract operation manner based on the high in the clouds computing of the present invention is described;
Fig. 3 is a flow process block scheme, and the second portion of the preferred embodiment of the insurance contract operation manner based on the high in the clouds computing of the present invention is described;
Fig. 4 is a flow process block scheme, and the third part of the preferred embodiment of the insurance contract operation manner based on the high in the clouds computing of the present invention is described;
Fig. 5 is a flow process block scheme, and the 4th part of the preferred embodiment of the insurance contract operation manner based on the high in the clouds computing of the present invention is described;
Fig. 6 is a picture view, illustrates in this preferred embodiment, and a Touch Screen of this service management instrument is listed a plurality of demand analysis problems;
Fig. 7 is a picture view, and the offer document that the Touch Screen of this service management instrument is shown is described in this preferred embodiment;
Fig. 8 is a picture view, and the electronics proposal of insurance of not finishing electronic signature that this Touch Screen is shown is described in this preferred embodiment;
Fig. 9 is a picture view, and the electronic signature district that this Touch Screen is shown is described in this preferred embodiment; And
Figure 10 is a picture view, and the electronics proposal of insurance of having finished electronic signature that this Touch Screen is shown is described in this preferred embodiment.
The primary clustering symbol description:
1 demand analysis server, 421 pictures
2 audit insurance servers, 422 textboxs
3 payment processes servers 423 are agreed button
4 service management instruments 424 are disagreed with button
41 communication units, 425 subwindows
42 Touch Screens, 426 signatures
43 auxiliary input blocks, 427 electronic signature districts
44 processing units, 428 buttons
45 storeies, 511～533 steps
46 keyholed back plate programs, 6 the Internets
Embodiment
About aforementioned and other technology contents, characteristics and effect of the present invention, in the detailed description of a following cooperation preferred embodiment with reference to the accompanying drawings, can clearly present.
Consult Fig. 1, the preferred embodiment of the insurance contract operating system based on the high in the clouds computing of the present invention comprises a demand analysis server 1, first sentence nuclear insurance server 2, a payment processes server (gold stream processing server) 3, and a plurality of service management instrument 4.
This demand analysis server 1 is connected with a Internet 6, and this demand analysis server 1 is produced an offer document in order to after receiving a plurality of demand parameters.This demand analysis server 1 is a computer server main frame in this preferred embodiment, and carry out a demand analysis program and a demand analysis database, its demand parameter that receives comprises: per month life expenditure, the amount of the loan, the insured amount of other insurances, age, want investment time etc., but be not limited to this, the purpose of these demand parameters is to provide insurer's (proposer) financial position and risk attributes, and this demand analysis program namely is to utilize the demand parameter to convert specific pointer data to, compares the analysis data of preload in the demand analysis database again and produces offer document.
This audit insurance server 2 will be protected data in order to receive a remittance whole, an electronic signature will be protected file, a payment information and an e-mail box with the electronics of secondary proof data.In this preferred embodiment, this audit insurance server 2 is a computer server main frame, carry out first sentence nuclear insurance program, this audit insurance server 2 in fact also can merge with the demand Analysis server 1, becomes the single computer server main frame of this demand analysis program of execution and this audit insurance program.The above-mentioned data of will protecting are name, birthday, ID (identity number) card No., the insurance coverage that will protect, insurance amount, healthy index etc., but are not limited to this.This electronic signature is relevant with this service management instrument 4, repeats after the appearance.These secondary proof data are a picture file in this preferred embodiment, and the content of this picture file is insurer's (proposer) pictures file and insurer's (proposer) identity document picture file one wherein.This payment information is a credit card number and a CVV etc.
This will protect the performed examinations insurance program auditing of this audit insurance server 2 data and whether meet underwriting rule, wherein, this underwriting rule is that this will be protected data and the insurance data that insures trade council, the insurance data of insurance company inside and Claims Resolution data, the special list data, body status data and financial position data compare to confirm without unusual part, in this preferred embodiment, this audit insurance server 2 is connected to the database of the computer server of insurance trade council, insurance company's interior reservoir has insures and the database of computer server of settling a claim record, store the database of the computer server at the database of insurance blacklist and juridical person's united credit verification center, compare and examine to obtain above-mentioned data.The Inspection Technique of this examination insurance program now has been widely used in financial circles and insurance, does not repeat them here.
If what this electronics of examination insurance program validation of audit insurance server 2 will be protected file will protect data symbols should underwriting is regular, then produce a underwriting object information, and send this underwriting object information to this e-mail box, wherein, this underwriting object information only can inform that insurer (proposer) is by examination.This audit insurance server 2 will be protected data with this and be sent to this payment processes server 3, if receiving one of these payment processes server 3 passbacks pays the fees when finishing information, represent the paid premium of insurer (proposer), this moment, this audit insurance server 2 just can formally produce an electronic insurance policy, and sent the e-mail box that this electronic insurance policy is filled in to this insurer (proposer).
This payment processes server 3 is a computer server main frame in this preferred embodiment, carries out a payment processes program, and this payment processes program is connected to the computer server main frame of each bank card department, to carry out the credit card funded payment operation.This audit insurance server 2 transmits this payment information to this payment processes server 3, this payment processes server 3 carries out exchanges data with the computer server main frame of each bank card department again, if credit card number and CVV that insurer (proposer) provides are errorless, then this payment processes server 3 transmits one and pays the fees the information of finishing to this audit insurance server 2.Except credit card, this payment processes server 3 also can be used other on-line payment instrument, such as PayPal or Alipay etc.
Consult Figure 1A, Fig. 6, each service management instrument 4 connects this demand analysis server 1 and this audit insurance server 2 by this Internet 6.According to this preferred embodiment, each service management instrument 4 can comprise that a communication unit 41, can show that Touch Screen 42, an auxiliary input block 43, of a picture 421 are electrically connected this communication unit 41, this Touch Screen 42 and processing unit 44, the storer 45 that should assist input block 43, and a keyholed back plate program 46 that is stored in storer 45 and is carried out by this processing unit 44.According to this preferred embodiment, this service management instrument 4 can be the flat computer that is convenient for carrying and (for example comprises the flat computer that Apple (Apple Inc.) produces
), notebook computer or other suitable portable electronic equipments.This communication unit 41 can be 3G communication module and/or WIFI communication module, can wirelessly connect this Internet 6.This Touch Screen 42 is capacitance touch control screen, should auxiliary input block 43 for example be the set camera module in front and the back side of flat computer, in order to obtain identity document picture file or insurer (proposer) the pictures file that belongs to the secondary proof data.Be noted that especially, in this preferred embodiment, the electronic signature that this Touch Screen 42 wherein purposes in the present invention is to produce the pressure-sensing data, press this Touch Screen 42 to produce the electronic signature except drawing with finger, can also use the pointer of a known support capacitive sensing to write generation electronic signature on this Touch Screen 42, to meet common people's writing style.
Because different insurance competent authorities may have different demands for the secondary proof data in the legitimacy of authentication, replace above-mentioned insurer's (proposer) identity document picture file or pictures file such as methods such as adopting fingerprint, vocal print.Therefore, the auxiliary input block 43 of this service management instrument 4 can adopt fingerprint identifier, microphone to obtain the biological identification data such as fingerprint, vocal print accordingly.
This keyholed back plate program 46 can be implemented at the environment of any operating system.According to this preferred embodiment, this keyholed back plate program 46 for example is the iOS application program (iOS Application) of a corresponding iPad, but is not limited to this, also can be one to be executed in the dynamic web page of the web browser Safari of iPad.This keyholed back plate program 46 makes this service management instrument 4 cooperate this above-mentioned demand analysis server 1 and audit insurance server 2 to carry out a series of step, repeats after the appearance.
Consult Fig. 1, Fig. 2, Fig. 6, the preferred embodiment of the insurance contract operational know-how based on the high in the clouds computing of the present invention is to use above-mentioned insurance contract operating system, makes this system carry out the following step:
At first, shown in step 511, the Touch Screen 42 of this service management instrument 4 shows this picture 421, in this picture 421, list a plurality of demand analysis problems, there is a textbox 422 on each demand analysis problem right-hand, input these demand parameters for insurer (proposer), such as the insured amount of per month life expenditure, loan, other insurances, age, wish investment time etc., but be not limited to this.
Then, shown in step 512, insurer (proposer) utilizes the dummy keyboard (not shown) of this service management instrument 4 that these demand parameters sequentially are input in these textboxs 422, makes this service management instrument 4 receive these demand parameters by this Touch Screen 42.
Moreover shown in step 513, this service management instrument 4 transmits these demand parameters to this demand analysis server 1 by the Internet 6.
Then, shown in step 514, this demand analysis server 1 receives these demand parameters, and the demand analysis program of this demand analysis server 1 converts specific pointer data to according to these demand parameters, compare again the analysis data of preload in the demand analysis database, produce this offer document.
Then, shown in step 515, this demand analysis server 1 can transmit this offer document immediately to this service management instrument 4, makes this service management instrument 4 receive this offer document.
Consult Fig. 1, Fig. 2, Fig. 7, moreover, shown in step 516, in the picture 421 of the Touch Screen 42 of this service management instrument 4, show this offer document 422, a pair of should offer document agreement button 423 and a pair of should offer document disagree with button 424, provide the client to check reference.In this preferred embodiment, the insurance coverage that this insurer (proposer) buys is an investment-orientation declaration form, therefore this offer document 422 is listed the fund target that this investment-orientation declaration form is invested, should be noted that, this offer document 422 is not limited to this, what suppose that this insurer (proposer) buys is a life insurance declaration form, injure dangerous declaration form, health insurance declaration form or annuity danger declaration form, then this offer document 422 will be listed target, amount and the every restrictive clause that above-mentioned these declaration forms are settled a claim, for insurer (proposer) reference.
Insurer (proposer) can determine whether agree to buy according to the content of above-mentioned offer document 422, by operating this Touch Screen 42, this service management instrument 4 detects this and agrees whether button 423 is selected.Disagree with that when detecting this button 424 is selected, should agree namely that button 423 was not selected, then shown in step 513, this service management instrument 4 transmits these demand parameters again to this demand analysis server 1, and transmits again and again advisory information.Then, shown in step 514, this demand analysis server 1 regenerates this offer document according to this again advisory information and these demand parameters.Utilize said method, the insured can obtain obtaining offer document rapidly, even disagree with, this demand analysis server 1 can be made new offer document so that different schemes promptly to be provided.Therefore, present this offer document 422 by this service management instrument 4, mode that can be clearer and interactive illustrates the scheme of insurance to the client.
Consult Fig. 1, Fig. 3, moreover, shown in step 517, as shown in Figure 7 agreement button 423 is selected in this service management instrument 4, then this Touch Screen 42 shows and a plurality ofly will protect field, when insurer (proposer) operated this Touch Screen 42 input, this service management instrument 4 receives this by this Touch Screen 42 will protect data, this payment information and this e-mail box.In addition, this service management instrument 4 more receives these secondary proof data by this auxiliary input block 43 as shown in Figure 7.In this preferred embodiment, should auxiliary input block 43 for example be the camera model of flat computer, and the secondary proof data that receive are the picture file of a shooting, and the content of this picture file is the wherein one of insurer's (proposer) pictures file and insurer's (proposer) identity document picture file.
Then, shown in step 518, this service management instrument 4 shows in Touch Screen 42 and detects and whether will use electronic signature, if clicking one, insurer (proposer) disagrees with that button makes this service management instrument 4 detect one and disagrees with signal, then shown in step 519, this service management instrument 4 transmits one and treats that signature will protect file to a printer, prints this by this printer and treats that signature will protect file.
If clicking one, insurer (proposer) agrees button, makes this service management instrument 4 detect one and agree signal that then shown in step 520, this service management instrument 4 receives electronic signature.Consult Fig. 1, Fig. 3, Fig. 8, wherein the picture 421 of the Touch Screen 42 of service management instrument 4 has a subwindow 425 and a plurality ofly is denoted as respectively the signature 426 that " proposer's signature ", " insurant's signature " reach " legal representative's signature ".Show that in this subwindow 425 this electronics will protect file, and the above-mentioned data of will protecting can automatically be inserted this electronics and will protect in the file.If insurer (proposer) clicks the signature 426 that is denoted as " proposer's signature ", then picture 421 becomes as shown in Figure 9, show an electronic signature district 427, supply insurer (proposer) utilization finger or capacitive touch pen at Touch Screen 42 signatures of service management instrument 4.Then, press the button 428 that is denoted as " determining " as insurer (proposer) after, the auxiliary input block 43 of this service management instrument 4 is then taken this insurer's (proposer) photo or its identity document, obtains this secondary proof data.After insurer (proposer) finished the electronic signature and secondary proof data of these signatures 426, then as shown in figure 10, each signature 426 of this picture 421 had electronic signature and secondary proof data.
In this preferred embodiment, each electronic signature is stored in the mode of picture file.In addition, when the insured signed, the pressure that Touch Screen 42 can also detect each stroke in the electronic signature changed generation one biological Identification Data.This service management instrument 4 stores the cipher mode of these biological identification data with RSA or AES (Advanced Encryption Standard (Advanced Encryption Standard)).
What specify is, these signature 426 listed signals, only give an example for this preferred embodiment.According to the local difference regulation of insuring competent authority's actual job, this signature 426 can only have electronic signature, or these secondary proof data are not limited to above-mentioned insurer's (proposer) photo or its identity document picture file, also can be the biological identification data such as fingerprint, vocal print, retina lines.If these secondary proof data are fingerprint, vocal print and retina lines, then the auxiliary input block 43 of this service management instrument 4 is corresponding identification of fingerprint module, sound-groove identification module and retina lines recognition module.
Then, shown in step 521, this service management instrument 4 can converge that whole this will be protected data, this electronic signature (comprising the picture file of electronic signature and the biological identification data of making according to electronic signature) and the secondary proof data are that complete electronics will be protected file.It is worth mentioning that the secondary proof data differ and are decided to be necessary file, this service management instrument 4 also can use this will protect data and the complete electronics of this electronic signature generation will be protected file.In this preferred embodiment, the electronics that produces will be protected file and maliciously altered for avoiding, and adopts a Secure Hash Algorithm (Secure Hash Algorithm, SHA) to save as PDF or the tiff file of encryption, but is not limited to this encipherment protection mode.Subsequently, this service management instrument 4 can will be protected this electronics file and be sent to the e-mail box that this insurer (proposer) sets, and finishes said procedure to notify insurer (proposer).
Moreover, shown in step 522, this service management instrument 4 can transmit this file that comprises that this electronics that will protect data, this electronic signature, these secondary proof data will protect file, this e-mail box and this payment information immediately to this audit insurance server 2, in order to start online underwriting and follow-up program thereof.
Consult Fig. 1, Fig. 4, then, this audit insurance server 2 can be carried out a series of examination operation in the process of this underwriting program, and shown in step 523, this audit insurance server 2 can carry out the examination of insurance data and record.In this preferred embodiment, database, the insurance company's interior reservoir that this audit insurance server 2 can connect the computer server of this insurance trade council has insures with the database of the computer server of the record of settling a claim, stores the database of insurance blacklist, will protect data to compare this.
Shown in step 524, this audit insurance server 2 also can carry out the examination of health and financial position.According to this preferred embodiment, this audit insurance server 2 can connect this juridical person's united credit verification center computer server database and be written into the physical ability situation assessment data that prestores, to protect data to compare this.It is worth mentioning that step 523,524 can be according to different order or parallel carrying out.
Shown in step 525, according to step 523,524 result, this audit insurance server 2 can be checked will protecting data and whether meeting underwriting rule of this insurer (proposer).If not, then this audit insurance server 2 is sent one by Email and is declinatured announcement information to this insurer (proposer's) e-mail box, also can send an announcement information to the attendant of insurance company simultaneously, to carry out follow-up service.
If this insurer (proposer) will protect data symbols should underwriting is regular, then shown in step 527, but these audit insurance server 2 stored electrons will be protected file, this e-mail box and this payment information.And produce a underwriting object information, and send this underwriting object information to this insurer (proposer's) e-mail box, to notify this insurer (proposer) by the relevant examination about the insurance qualification.
Consult Fig. 1, Fig. 5, after this underwriting program was passed through, shown in step 528, this audit insurance server 2 can transmit this payment information to this payment processes server 3, pays in program with startup.This payment processes server 3 is swiped the card with the credit computer server host of each bank after the au-thorization job, and return information is to the state of withholing of these payment processes server 3 these payment informations, as the failure or Sorry, your ticket has not enough value etc. of withholing successfully, withhold.This payment processes server 3 produces paying the fees of a correspondence when receiving the information of withholing successful and finishes information.According to an embodiment, this payment processes program for example is the operating type of known credit card funded payment.
Then, shown in step 529, this payment processes server 3 transmits this information of finishing of paying the fees to this audit insurance server 2.
Moreover, shown in step 530, this audit insurance server 2 is paid the fees according to this and is finished this payment information of validation of information and whether meet a Payments Policy, in this preferred embodiment, this Payments Policy be this audit insurance server 2 send this underwriting object information between the retention period to this insurer (proposer's) the e-mail box in, such as 10 days, this audit insurance server 2 received corresponding paying the fees and finishes information.If audit insurance server 2 confirms that this payment information does not meet this Payments Policy, then shown in step 531, this audit insurance server 2 is sent one by Email and is pressed for payment of notice to this insurer (proposer's) e-mail box, simultaneously also can send an announcement information to the attendant of insurance company, to carry out follow-up premium callable procedure.
If audit insurance server 2 confirms that this payment information meets this Payments Policy, then shown in step 532, represent the audit that this proposer not only finishes the insurance qualification, also finish the audit of paying the fees.At this moment, this audit insurance server 2 produces an electronic insurance policy.
Then, shown in step 533, this audit insurance server 2 is sent this electronic insurance policy to this e-mail box.
In sum, the present invention imports the insurance work flow with the service management instrument, insurer (proposer) begins to making the comprehensive e-cooperative work of electronic insurance policy from protecting, the service management instrument of insurance business librarian use such as flat computer is finished the making of offer document, the audit of the proposal of insurance and the affirmation of payment program by Internet connection computer server main frame, kind advantage with the high in the clouds computing.Adopt service management instrument of the present invention promptly to offer suggestions to the client, find out suitable insurance scheme according to client's demand.In addition, service management instrument of the present invention can produce complete electronics will protect file, and start online the program of underwriting, can significantly save the time that insurer (proposer) waits for underwriting, reduce the required hard copy quantity of documents that carries of business personnel, more promote the review efficiency of insurance company, so really can reach purpose of the present invention.
The above person of thought, it only is preferred embodiment of the present invention, can not limit scope of the invention process with this, i.e. the every scope of claims and simple equivalent variations and modification that the description of the invention content is done according to the present invention all still belongs in the scope that patent of the present invention contains.
Claims (20)
1. insurance contract operating system based on the high in the clouds computing should comprise based on insurance contract operating system of high in the clouds computing:
First sentence nuclear insurance server, this audit insurance server in order to receive one comprise one to protect data and one the electronic signature electronics to protect file and an e-mail box, this audit insurance server is examined this electronics and will be protected file and whether meet underwriting rule, if, then produce an electronic insurance policy, and send this electronic insurance policy to this e-mail box; And
One service management instrument, this service management instrument can connect this audit insurance server, this service management instrument comprises that a communication unit, a Touch Screen, are electrically connected the processing unit of this communication unit and this Touch Screen, and a keyholed back plate program of being carried out by this processing unit, this keyholed back plate program comprises the following steps:
(a) receive this by this Touch Screen and will protect data, this electronic signature and this e-mail box,
(b) converging a whole electronics will protect file, and make this electronics will protect file and have this and will protect data and this electronic signature, and
(c) utilize this communication unit to transmit that this electronics will be protected file and this e-mail box is examined insurance server to this.
2. the insurance contract operating system based on the high in the clouds computing according to claim 1, comprise that also one connects the demand analysis server of this service management instrument, after receiving a plurality of demand parameters, produce an offer document, and the keyholed back plate program of this service management instrument also comprised the following steps: before (a) step is somebody's turn to do in execution
(d) receive these demand parameters by this Touch Screen,
(e) utilize this communication unit to transmit these demand parameters to this demand analysis server,
(f) utilize this communication unit to receive this offer document of this demand analysis server made,
(g) make this Touch Screen show a pair of agreement button that should offer document, and
(h) detect this agreement button and whether be selected,
Wherein, in this (a) step, if it is selected to detect this agreement button, then receives this by this Touch Screen and will protect data, this electronic signature and this e-mail box.
3. the insurance contract operating system based on the high in the clouds computing according to claim 2, wherein between this (h) step and this (a) step of the keyholed back plate program of this service management instrument, also comprise a step (i), if it is not selected to detect this agreement button, then utilize this communication unit to transmit again and again advisory information to this demand analysis server, this demand analysis server is made this offer document again according to this again advisory information and these demand parameters.
4. the insurance contract operating system based on the high in the clouds computing according to claim 1, comprise that also one connects the payment processes server of this audit insurance server, and being somebody's turn to do in (a) step of the keyholed back plate program of this service management instrument, also receive a payment information, in addition, in this (c) step, this communication unit also transmits this payment information and examines insurance server to this, and utilizing this payment processes server to examine this payment information, this audit insurance server whether meets a Payments Policy, file meets this underwriting rule and this payment information meets this Payments Policy if this electronics will be protected, and then this audit insurance server produces this electronic insurance policy.
5. the insurance contract operating system based on the high in the clouds computing according to claim 1, wherein after this (c) step of the keyholed back plate program of this service management instrument, also comprise a step (j), utilize this communication unit to transmit this electronics and will protect file to this e-mail box.
6. the insurance contract operating system based on the high in the clouds computing according to claim 1 after wherein this audit insurance server is examined this and will be protected data, produces a underwriting object information, and sends this underwriting object information to this e-mail box.
7. the insurance contract operating system based on the high in the clouds computing according to claim 1, wherein this service management instrument also comprises one in order to receive the auxiliary input block of secondary proof data, makes the whole electronics of this service management instrument remittance will protect file and also has this secondary proof data.
8. the insurance contract operational know-how based on the high in the clouds computing operates on the service management instrument that first sentence nuclear insurance server and comprises a Touch Screen, and this operational know-how comprises the following steps:
(a) this service management instrument receives one by this Touch Screen and will protect data, electronic signature and an e-mail box;
(b) this service management instrument converges a whole electronics and will protect file, makes this electronics will protect file and comprises that this will protect data and this electronic signature;
(c) this service management instrument transmits that this electronics will be protected file and this e-mail box is examined insurance server to this;
(d) this audit insurance server is examined this electronics and will be protected file and whether meet underwriting rule; And
(e) meet this underwriting rule if this electronics will be protected file, then this audit insurance server produces an electronic insurance policy, and sends this electronic insurance policy to this e-mail box.
9. the insurance contract operational know-how based on the high in the clouds computing according to claim 8 before this (a) step, also comprises the following steps:
(f) this service management instrument receives a plurality of demand parameters by this Touch Screen;
(g) this service management instrument transmits these demand parameter to one demand analysis servers;
(h) after this demand analysis server receives these demand parameters, produce an offer document, and be sent to this service management instrument;
(i) this service management instrument receives this offer document;
(j) Touch Screen of this service management instrument shows this offer document and a pair of agreement button that should offer document; And
(k) whether this service management instrument to detect this agreement button by this Touch Screen selected,
Wherein in this (a) step, if should agree that button was selected, then this service management instrument receives this by this Touch Screen and will protect data, this electronic signature and this e-mail box.
10. the insurance contract operational know-how based on the high in the clouds computing according to claim 9, between this (k) step and this (a) step, also comprise a step (1), if should agree that button was not selected, then this service management instrument transmits again and again advisory information to this demand analysis server, in addition, between this (1) step and this (a) step, also comprise a step (m), this demand analysis server regenerates this offer document according to this again advisory information and these demand parameters.
11. the insurance contract operational know-how based on the high in the clouds computing according to claim 8, wherein in this (a) step, this service management instrument also receives a payment information by this Touch Screen, in addition, in this (d) step, this audit insurance server utilizes a payment processes server to examine this payment information whether to meet a Payments Policy, moreover, in this (e) step, file meets this underwriting rule and this payment information meets this Payments Policy if this electronics will be protected, and then this audit insurance server produces this electronic insurance policy.
12. the insurance contract operational know-how based on the high in the clouds computing according to claim 8 between this (c) step and this (d) step, also comprises a step (n), this service management instrument transmits this electronics will protect file to this e-mail box.
13. the insurance contract operational know-how based on the high in the clouds computing according to claim 8, between this (d) step and this (e) step, also comprise a step (o), this audit insurance server examine this electronics to protect file to protect data after, produce a underwriting object information, and send this underwriting object information to this e-mail box.
14. the insurance contract operational know-how based on the high in the clouds computing according to claim 8, wherein in this (a) step, this service management instrument receives secondary proof data by this auxiliary input block, and in this (b) step, the whole electronics of this service management instrument remittance will be protected file, also comprises this secondary proof data.
15. the service management instrument based on the high in the clouds computing is applicable to insurance business and uses, this service management instrument comprises:
One communication unit;
One Touch Screen;
One storer, this memory storage one keyholed back plate program; And
One processing unit, this processing unit are electrically connected this communication unit, this Touch Screen and this storer, and wherein this processing unit carries out the following step when this keyholed back plate program of execution:
(a) receive one by this Touch Screen and will protect data and an electronic signature,
(b) converging a whole electronics will protect file, and make this electronics will protect file and have this and will protect data and this electronic signature, and
(c) utilize this communication unit to transmit this electronics and will protect file, to start the program of first sentence nuclear insurance.
16. the service management instrument based on the high in the clouds computing according to claim 15, wherein this processing unit also carries out the following step before (a) step of this keyholed back plate program of execution:
(d) receive a plurality of demand parameters by this Touch Screen,
(e) utilize this communication unit to transmit these demand parameters receiving an offer document,
(g) make this Touch Screen show a pair of agreement button that should offer document, and
(h) detect this agreement button and whether be selected,
Wherein, in this (a) step, if it is selected to detect this agreement button, then receives this by this Touch Screen and will protect data and this electronic signature.
17. the service management instrument based on the high in the clouds computing according to claim 16, wherein this processing unit is between this (h) step and this (a) step of this keyholed back plate program of execution, also carry out a step (i), if it is not selected to detect this agreement button, then utilize this communication unit to transmit again and again advisory information and these demand parameters.
18. the service management instrument based on the high in the clouds computing according to claim 15, wherein this processing unit also receives a payment information, in addition in (a) step of this keyholed back plate program of execution, in this (c) step, this communication unit also transmits this payment information.
19. the service management instrument based on the high in the clouds computing according to claim 15, wherein this processing unit is in (a) step of this keyholed back plate program of execution, also receive an e-mail box by this Touch Screen, and in this (c) step, also transmit this electronics by a network and will protect file to this e-mail box.
20. the service management instrument based on the high in the clouds computing according to claim 15, comprise that also one is electrically connected the auxiliary input block of this processing unit, wherein this processing unit is in (a) step of this keyholed back plate program of execution, should receive secondary proof data by auxiliary input block, and in this (b) step, the whole electronics that converges will be protected file, also comprises this secondary proof data.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011102910525A CN102999868A (en) | 2011-09-16 | 2011-09-16 | Insurance contract operating system, insurance contract operating method and business management tool on basis of cloud computing |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011102910525A CN102999868A (en) | 2011-09-16 | 2011-09-16 | Insurance contract operating system, insurance contract operating method and business management tool on basis of cloud computing |
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| CN102999868A true CN102999868A (en) | 2013-03-27 |
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