CN106981028A - A kind of tourist insurance method based on mobile APP - Google Patents
A kind of tourist insurance method based on mobile APP Download PDFInfo
- Publication number
- CN106981028A CN106981028A CN201610030463.1A CN201610030463A CN106981028A CN 106981028 A CN106981028 A CN 106981028A CN 201610030463 A CN201610030463 A CN 201610030463A CN 106981028 A CN106981028 A CN 106981028A
- Authority
- CN
- China
- Prior art keywords
- insurance
- traveller
- tourist
- credit
- tourism
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 15
- 231100001261 hazardous Toxicity 0.000 claims abstract description 22
- 230000005540 biological transmission Effects 0.000 claims description 3
- 201000010099 disease Diseases 0.000 claims description 3
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 claims description 3
- 238000007619 statistical method Methods 0.000 claims description 3
- 208000027418 Wounds and injury Diseases 0.000 description 1
- 230000015556 catabolic process Effects 0.000 description 1
- 230000006378 damage Effects 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 238000006731 degradation reaction Methods 0.000 description 1
- 208000014674 injury Diseases 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/14—Travel agencies
Landscapes
- Business, Economics & Management (AREA)
- Tourism & Hospitality (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Marketing (AREA)
- Accounting & Taxation (AREA)
- Economics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Primary Health Care (AREA)
- Human Resources & Organizations (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of tourist insurance method based on mobile APP, comprise the following steps：(1) main risk pool selection：Traveller can add hazardous project in main risk pool；(2) secondary risk pool filling：If traveller not quite understands to tourist famous-city risk latency, traveller can conveniently select secondary risk pool；(3) mediation pond processing：The tourism credit upgrading of traveller in mediation pond, on the contrary tourism credit degrades, and treats tourism credit upgrade client, and mediation pond is reported discount of premium and instructed；(4) mobile terminal data sending and receiving：Real-time insurance data is sent to insurance company server through mobile Internet.The present invention is more suitable for the selection that traveller carries out tourist insurance product; the problem of overcoming foreign environment selection insurance; farthest protect traveller, be more suitable for the tourism that traveller opens your heart in tourist site, for traveller provide purpose less than insurance service.
Description
Technical field
The invention belongs to insurance products field, and in particular to a kind of tourist insurance method based on mobile APP.
Background technology
Existing tourist insurance method, is based primarily upon traditional Insurance Actuarial Science theory, that is, passes through past various tourism loss occurrences
Statistics actuarial goes out insurance premium and compensation, and tourist insurance can bring guarantee to us, and during tourism, we arrive
One new environment, undergoes some fresh things, it is likely that some unexpected things occur, buys tourist insurance
A guarantee can be provided to the journey of oneself, the difference of the tourist insurance of purchase, these guarantees are also different, are mostly to journey
The unexpected injury of middle experience, which is given, compensates, reduction treatment loss, and what is had also includes tourist lodging guarantee, tourism property loss etc.,
Everybody can buy suitable tourist insurance according to the need for oneself.
But, this tourist insurance Claims Resolution is typically limited to only passenger's loss caused by travel agency's responsibility, such as passenger is playing
During loss caused by personal reason, insurance company not settles a claim, while the claim process of tourist insurance is also to compare
It is troublesome, typically in addition to the expense voucher occurred in incident processing procedure is obtained, it is necessary to acquirement place where the accident occurred public security in time,
Effective voucher of the units such as medical treatment, insurance underwriter or its branch company, accident occurs to be circulated a notice of and verified in 24 hours,
Then insurance money could be applied for, while different traveller is not quite similar being in different regions, suffered latency, traveller
The demand layer of tourist insurance product is also differed.
The content of the invention
To meet the demand that traveller is different, abundant tourist insurance product provides guarantee in all directions for traveller, and efficiently enters
Row settlement of insurance claim works, and the present invention proposes a kind of tourist insurance method based on mobile APP, with facilitation, rapid spy
Point, without the tourist insurance method for manually going to verify.
The technical scheme is that：A kind of tourist insurance method based on mobile APP, comprises the following steps：
(1) main risk pool selection：Traveller can add hazardous project in main risk pool, and hazardous project is in the company of effecting an insurance
Different weights can be assigned after approval by traveller, while the raising of weight, the weight of insurance premium can also increase, as long as while
Hazardous project can be changed before insurance incident generation, insurance subject can arbitrarily change within insurance period, and insurance premium also exists
Constantly change, the pre- paying of client can be less than insurance premium, the arithmetic that insurance company collects the insurance premium being continually changing is put down
Average；
(2) secondary risk pool filling：If traveller not quite understands to tourist famous-city risk latency, traveller can be conveniently
The secondary risk pool of selection, secondary risk pool can be customized by insurance company, and its risk is fixed, and the weighted value of risk is public by insurance
Department is by assignment after traditional statistical method statistics；
(3) mediation pond processing：Main risk pool may be selected by comparing the traveller of individual character, and secondary risk pool is stressed than more conservative client
Filling, the tourist insurance credit of mediation pond essential record traveller, if the generation without insurance incident, the trip of traveller in mediation pond
Credit upgrading is swum, on the contrary tourism credit degrades, and treats tourism credit upgrade client, and discount of premium instruction is reported in mediation pond；
(4) mobile terminal data sending and receiving：Traveller is it is determined that after the selecting of main risk pool, secondary risk pool filling, through reconciling Chi Chu
After reason, real-time insurance data is sent to insurance company server through mobile Internet, and insurance company server, which constantly refreshes, comes from trip
The real time data of visitor simultaneously generates data sheet.
Further, in step (1), the hazardous project includes temperature, season, tourist site poverty, flood, typhoon, drop
Snow, heavy rain, age, history of disease, height, age, flight delay, gun, controlled knife, luggage certificate loss, SOS
The one or several kinds of international support, while traveller can be added, after being accepted through insurance company can as hazardous project,
Interim weight factor sum be 1, and hazardous project selection it is more late, the weight factor before hazardous project is bigger, each
Weight factor is no more than 1.
Further, in step (2), in secondary risk pool filling, insurance company can preset Insurance Section's purpose weighting insurance
The amount of money, Bao Xianjine $2=i hazardous project 1+w hazardous project 2+e hazardous project 3+r hazardous project 4+t hazardous projects 5+.......
Further, in step (3), the tourism credit upgrading of traveller in mediation pond, on the contrary tourism credit degrades, the trip for the treatment of
Credit upgrade client is swum, it is Geometric Sequence that discount of premium instruction is reported in mediation pond, after being reconciled through mediation pond, Bao Xianfeiyong $3=
Insurance premium ÷ [(1/2+1/4+......+1/2n)+n/(n+1)]。
Further, in step (4), special APP is installed, or insurance company the Mobile solution such as wechat public's account, permit
Perhaps traveller swaps operation using mobile terminal, can fully ensure the sending and receiving of mobile data, transmission data are in more than 30kb/s.
The present invention is more suitable for the selection that traveller carries out tourist insurance product, the problem of overcoming foreign environment selection insurance, maximum
Degree protects traveller, is more suitable for the tourism that traveller opens your heart in tourist site, for traveller provide purpose less than
Insurance service.
Embodiment
Technical scheme and structure are illustrated below, in order to which those skilled in the art understand.
A kind of tourist insurance method based on mobile APP, comprises the following steps：
(1) main risk pool selection：If traveller gos to the U.S., hazardous project, risk section can be added in main risk pool
Mesh, such as history of disease, height, age, flight delay, gun, controlled knife, luggage certificate loss, SOS international supports,
After the airliner in the U.S. of flying to is set foot on, airliner possibly can not be taken off because of dense fog, and now traveller be able to can be carried out using mobile terminal
The operation of main risk pool, addition dense fog can not take off, and now dense fog, which can not take off to be added to as an insurance subject, becomes owner of wind
In dangerous pond, now insurance company server data storage, if insurance company is accepted after the insurance subject, the insurance subject is given birth to automatically
Effect, then dense fog can not take off if it happens, traveller can using mobile terminal send prove data pursue a claim, if
The insurance subject is not sent：Dense fog can not be taken off, and the arithmetic that insurance premium caused by the insurance subject pulls on insurance premium is put down
Average, as long as while can change hazardous project before insurance incident generation, insurance subject can arbitrarily change within insurance period,
Insurance premium is also constantly changing, and the pre- paying of client can be less than insurance premium；
(2) secondary risk pool filling：If traveller not quite understands to tourist famous-city risk latency, traveller can be conveniently
The secondary risk pool of selection, secondary risk pool can be customized by insurance company, and its risk is fixed, and the weighted value of risk is public by insurance
Department may be carried out selecting either other reasonses to cause directly no time by assignment after traditional statistical method statistics, now traveller
Carry out secondary risk pool filling；
(3) mediation pond processing：The personal information of traveller can be registered, and the data of traveller can be drawn after the processing of mediation pond
The tourist insurance credit of traveller, if the generation without insurance incident, the tourism credit upgrading of traveller in mediation pond, on the contrary trip letter
With degradation, tourism credit upgrade client is treated, discount of premium instruction is reported in mediation pond, if the tourism credit upgrading of traveller
For 2, now it is changed into insurance premium by reconciling the expense that pond processing calculates：$3=insurance premiums ÷ [(1/2+1/4)+2 (2+1)]；
(4) mobile terminal data sending and receiving：Traveller is it is determined that after the selecting of main risk pool, secondary risk pool filling, through reconciling Chi Chu
After reason, real-time insurance data is sent to insurance company server through mobile Internet, and insurance company server, which constantly refreshes, comes from trip
The real time data of visitor simultaneously generates data sheet, now requires that mobile network is unimpeded, and transmission data are in 40kb/s；
The embodiment of the present invention, but protection scope of the present invention is not limited thereto, it is any to be familiar with those skilled in the art
Member disclosed herein technical scope in, the change or replacement that can be expected without creative work should all be covered in this hair
Within bright protection domain.Therefore, protection scope of the present invention should be determined by the scope of protection defined in the claims.
Claims (4)
1. a kind of tourist insurance method based on mobile APP, it is characterised in that comprise the following steps：
(1) main risk pool selection：Traveller can add hazardous project in main risk pool, and hazardous project is in the company of effecting an insurance
Different weights can be assigned after approval by traveller, while the raising of weight, the weight of insurance premium can also increase, as long as while
Hazardous project can be changed before insurance incident generation, insurance subject can arbitrarily change within insurance period, and insurance premium also exists
Constantly change, the pre- paying of client can be less than insurance premium, the arithmetic that insurance company collects the insurance premium being continually changing is put down
Average；
(2) secondary risk pool filling：If traveller not quite understands to tourist famous-city risk latency, traveller can be conveniently
The secondary risk pool of selection, secondary risk pool can be customized by insurance company, and its risk is fixed, and the weighted value of risk is public by insurance
Department is by assignment after traditional statistical method statistics；
(3) mediation pond processing：Main risk pool may be selected by comparing the traveller of individual character, and secondary risk pool is stressed than more conservative client
Filling, the tourist insurance credit of mediation pond essential record traveller, if the generation without insurance incident, the trip of traveller in mediation pond
Credit upgrading is swum, on the contrary tourism credit degrades, and treats tourism credit upgrade client, and discount of premium instruction is reported in mediation pond；
(4) mobile terminal data sending and receiving：Traveller is it is determined that after the selecting of main risk pool, secondary risk pool filling, through reconciling Chi Chu
After reason, real-time insurance data is sent to insurance company server through mobile Internet, and insurance company server, which constantly refreshes, comes from trip
The real time data of visitor simultaneously generates data sheet.
2. a kind of tourist insurance method based on mobile APP according to claim 1, it is characterised in that：Step (1)
In the selection of main risk pool, the hazardous project include temperature, season, tourist site poverty, flood, typhoon, snowfall, heavy rain,
Age, history of disease, height, age, flight delay, gun, controlled knife, luggage certificate lose, SOS international supports
One or several kinds, while traveller can be added, can be as hazardous project after being accepted through insurance company, interim weight
Factor sum be 1, and hazardous project selection it is more late, the weight factor before hazardous project is bigger, the weight factor of each
No more than 1.
3. a kind of tourist insurance method based on mobile APP according to claim 1, it is characterised in that：Step (3)
In, the tourism credit upgrading of traveller in mediation pond, otherwise tourism credit degrades, treats tourism credit upgrade client, mediation pond
It is Geometric Sequence to report discount of premium instruction, after being reconciled through mediation pond, Bao Xianfeiyong $3=insurance premiums ÷
[(1/2+1/4+......+1/2n)+n/(n+1)]。
4. a kind of tourist insurance method based on mobile APP according to claim 1, it is characterised in that：Step (4)
In, special APP is installed, or insurance company the Mobile solution such as wechat public's account, it is allowed to traveller is entered using mobile terminal
Row swap operation, can fully ensure the sending and receiving of mobile data, transmission data are in more than 30kb/s.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610030463.1A CN106981028A (en) | 2016-01-19 | 2016-01-19 | A kind of tourist insurance method based on mobile APP |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610030463.1A CN106981028A (en) | 2016-01-19 | 2016-01-19 | A kind of tourist insurance method based on mobile APP |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106981028A true CN106981028A (en) | 2017-07-25 |
Family
ID=59341014
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610030463.1A Pending CN106981028A (en) | 2016-01-19 | 2016-01-19 | A kind of tourist insurance method based on mobile APP |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106981028A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108564251A (en) * | 2018-03-12 | 2018-09-21 | 平安信托有限责任公司 | Insure method for allocating tasks, device, equipment and storage medium |
| CN108765168A (en) * | 2018-05-04 | 2018-11-06 | 深圳般若计算机系统股份有限公司 | Weather index actuarial method, electronic device and computer readable storage medium |
-
2016
- 2016-01-19 CN CN201610030463.1A patent/CN106981028A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108564251A (en) * | 2018-03-12 | 2018-09-21 | 平安信托有限责任公司 | Insure method for allocating tasks, device, equipment and storage medium |
| CN108765168A (en) * | 2018-05-04 | 2018-11-06 | 深圳般若计算机系统股份有限公司 | Weather index actuarial method, electronic device and computer readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Du et al. | Assessing the effectiveness of land consolidation for improving agricultural productivity in China | |
| Mitigation | Hazard Management | |
| Boyer et al. | An empirical analysis of moral hazard and experience rating | |
| CN106981028A (en) | A kind of tourist insurance method based on mobile APP | |
| CN111144888A (en) | Mobile crowd sensing task allocation method with differential privacy protection function | |
| Wong et al. | Market simulations for irrigation water rights: A hypothetical case study | |
| Pina et al. | Portugal: Rebalancing the economy and returning to growth through job creation and better capital allocation | |
| Henderson | Railway Valuation and the courts | |
| Kramer et al. | Crop insurance for managing risk | |
| Mikesell | Government decisions in budgeting and taxing: The economic logic | |
| Christol et al. | Land-Based Wind Energy Siting: A Foundational and Technical Resource | |
| Rahmawati | An economic analysis of ecosystem restoration concession policy in Indonesia: a new strategy for sustainable forest management? | |
| Tullio | German wage and price infaltion after unification | |
| Bjørnlund | Water policies and their influence on land uses and land values. The Angas‐Bremer proclaimed region: a case study | |
| MANGUDYA | Monetary Policy Statement | |
| Cousins | Land reform–the solution to rural poverty? The case of South Africa | |
| Feldman et al. | HMO mergers and medicare: The antitrust issues | |
| Abdollahi et al. | Determining the desertification risks of the Mashhad regions using integrated indices based on the AHP method | |
| Amusan et al. | Renewal and Upgrading System For A Sustainable Urban-Rural Housing System Development: Panacea To Accommodation, Employment And Healthcare Issues | |
| Palomo-Hierro et al. | Water markets in Spain: A tool for drought mitigation | |
| Schwepcke et al. | Characteristic features of reinsurance in the major classes of insurance | |
| Dholakia et al. | Malaysia's privatization programme | |
| Glass et al. | Catching the wave: Should Canada follow the global trend toward spectrum auctions | |
| Kutzman | Of rice and men: Land-use restrictions in Vietnam | |
| KR20160088094A (en) | Loans reviewing device reflecting the risk of natural disasters and the method thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170725 |