CN107330643A - Whole risk management service and insurance service system - Google Patents
Whole risk management service and insurance service system Download PDFInfo
- Publication number
- CN107330643A CN107330643A CN201710733406.4A CN201710733406A CN107330643A CN 107330643 A CN107330643 A CN 107330643A CN 201710733406 A CN201710733406 A CN 201710733406A CN 107330643 A CN107330643 A CN 107330643A
- Authority
- CN
- China
- Prior art keywords
- enterprise
- insurance
- module
- risk
- algorithm
- 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
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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
-
- 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
Abstract
The invention discloses a kind of whole risk management service and insurance service system, including Cloud Server and some mobile terminals, mobile terminal includes housing, be provided with first processor module in housing, first processor module be connected with wireless communication module, touch display screen, the first memory module, with print.er port and satellite positioning module；First memory module internal memory contains business property registration template；Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and network connecting module, and the second memory module internal memory contains insurance contract template, company information data storehouse and enterprise security situation expert diagnosis report template；Include the essential information of enterprise in company information data storehouse；The present invention can improve the operating efficiency of enterprise security State Diagnosis expert so that insurance company can be all kinds of insurance services of enterprise's development under the premise of ground of controlling risk, and also enable the enterprise to liquidate security risk, guarantee enterprise long-term stability development.
Description
Technical field
The present invention relates to safety evaluation service field and insurance service field.
Background technology
Safety evaluation, also referred to as risk assessment or Risk Assessments, it is the application for the purpose of realizing engineering, system safety
Safety system engineering principle and method, are recognized and are analyzed to dangerous, adverse factor present in engineering, system, judge work
Accident and the possibility and its order of severity of occupational hazards occur for journey, system, so as to be carried to formulate the precautionary measures and administrative decision
For scientific basis.Safety evaluation had both needed the support of theory of safety evaluation, and the combination of Need Hierarchy Theory and practical experience, the two
It is indispensable.In safety evaluation, staff is according to the countries concerned's standard and professional standard etc. to particular system（Factory）Carry out
Evaluate.Safety evaluation is significant for enterprise, enterprise can be helped to find risk place in advance, in advance anticipating risk,
Avoid possible loss.
At present, safety evaluation work relies on staff and various secure datas is recorded on book manually, then manually
The report of enterprise security situation expert diagnosis is write, operating efficiency is relatively low.Once book goes out active or damage, just can only
Scene is come back to, various secure datas are gathered again.Particularly with scene in nonlocal enterprise, book goes out active or ruined
It is cumbersome after damage.
Current safety evaluation work, has functionally been lacked.If the base that can be worked in existing safety evaluation
On plinth, the safety index of reflection enterprise general safety situation, and reflection enterprise overall risk shape can be scientifically and rationally provided
The risk indicator of condition, and generate the report of enterprise security situation expert diagnosis, then safety evaluation service upgrades to whole risk pipe
Reason service.
Insurance service has different meanings from a different perspective, but it is to be unable to do without risk all the time to insure.Insurance service
Exist because of the presence of risk, be a kind of systematic arrangement that people make to tackle risk, so from risk management
Angle sees that insurance is a kind of method of risk management.From the form of expression, insurance is that insurer signs an agreement with insurer,
Insurer pays the expense of insuring with regard to item as defined in agreement, and insurer collects the expense of insuring, and occurs within the definite term particular event
When, compensate insurance money to insurer.
The content of insurance service, is constantly expanded with the development of economic society, there is personal insurance, life insurance, the person
Accident/injury insurance, medical insurance, medical insurance, property insurance, vehicle insurance etc..
Business property danger is significant for the steady development of enterprise and insurance company scope of expanding business, that is, looks forward to
All nearly there are general need in industry and insurance company for development business property.But in reality, development business property nearly has
Greatly hinder, so that business property is nearly difficult to popularize in an all-round way.Topmost obstruction is that insurance company is commencing business
When, it is necessary to carry out risk assessment, it is necessary to the insurance money that the expense and needing of ensureing to insure is compensated（Insurance premium）Between there is rational ratio
Example, to ensure that the insurance business carried out can bring profit.But the strength that insurance company lacks specialty is carried out comprehensively to enterprise
Risk assessment, it is impossible to effectively understand the risk status that enterprise faces, it is impossible to the insurance money that the reasonable computation expense of insuring and needs are compensated
（Insurance premium）Between ratio, thus under many circumstances, insurance company can not carry out the dangerous business of business property.Corresponding,
Mortar businesses be a state's prosperity it is flourishing bases oneself upon this, but because insurance company in many cases can not carry out insurance clothes
Business, therefore the mortar businesses of actually China lack the security risk that can liquidate, ensure having of developing in a healthy way steadily in the long term of enterprise
Effect means.
The content of the invention
It is an object of the invention to provide a kind of whole risk management service and insurance service system, it is possible to increase enterprise is pacified
The operating efficiency of full State Diagnosis expert, it is to avoid the embarrassment that book is lost or reworked after damaging, and in whole risk
Docked between management service and insurance business so that insurance company can be each for enterprise's development under the premise of ground of controlling risk
Class insurance service, also enable enterprise liquidate security risk, ensure enterprise develop in a healthy way steadily in the long term.
To achieve the above object, if whole risk management service of the invention and insurance service system include Cloud Server and
Dry mobile terminal, mobile terminal includes being provided with first processor module in housing, housing, and first processor module, which is connected with, to be used for
Access the wireless communication module of internet, the touch display screen for inputting information and display information, for storage information
One memory module, the print.er port for connecting external printer and for receiving satellite-signal and producing the satellite of positional information
Locating module；First memory module internal memory contains business property registration template；
Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and for accessing mutually
The network connecting module of networking, the second memory module internal memory is contained and each insurance company one-to-one insurance contract template, enterprise
Industry information database and enterprise security situation expert diagnosis report template；
Include enterprise name, address, contact person, company profile and history Secure data information in company information data storehouse；
Include enterprise name, enterprise address, enterprise nature, enterprise in enterprise security situation expert diagnosis report template to be expert at
Title, the basic condition of enterprise, plant equipment situation, warehouse situation, raw material and the product feelings of unit are provided in classification, the report of industry
Condition, firefighting of warehouse facility situation, physical risk adverse factor, the quantity of dangerous matter sources, the situation of each dangerous matter sources and to the danger
Corresponding insurance responsibility and resolution, accident potential's description and judgement accident can except the foundation, accident potential suffered from after insuring in source
Can caused accident pattern and corresponding insurance responsibility and resolution；History secure data and conclusion；Conclusion includes root
The safety index for the enterprise calculated according to safety index algorithm, the risk factor calculated according to risk factor algorithm, it is
The no conclusion that can be insured, insurance coverage, insurance scheme, insured amount and next period insurance premium；
Second processor module is built-in with the calculation of the algorithm for calculating safety index, the algorithm of risk factor and next period Insurance cost calculation
Method；
The algorithm of safety index is：According to corresponding national standard and/or professional standard, receive the enterprise of whole risk management service
Each assessment item of industry has the score value of some sub-projects and corresponding sub-project, the score value of same all sub-projects of assessment item
Summation is the total score of the assessment item；Whether enterprise security State Diagnosis expert meets in standard to every according to on-site actual situations
One sub-project regulation scores each sub-project, and the score summation of all sub-projects of an assessment item is the evaluation
The score of project；
The safety index for receiving the enterprise of whole risk management service is equal to（The score sum of all assessment items of the enterprise/should
The total score sum of all assessment items of enterprise）×100%；
Risk factor algorithm is：F is risk factor, and A is safety index, and f is coefficient, and y is regulation coefficient；f=(100-A)/100；
As A ＜ 30, F=4.0；As A ＞ 96.0, F=0.2；As 30≤A≤96, F=f × y；
Y algorithm is：As 30≤A ＜ 40, y=6.147-0.062*A；As 40≤A ＜ 50, y=5.535-0.0467*A；When
During 50≤A ＜ 60, y=4.2-0.020*A；As 60≤A ＜ 70, y=4.998-0.020*A；As 70≤A≤96, y=
0.065*A-1.217；
The algorithm of next period Insurance cost calculation is：Next period insurance premium=insured amount × suggestion rate；
It is recommended that rate=standard rate × usual coefficient × risk factor；Usual coefficient value is 0.5；For property basic insurance this
For one insurance kind, standard rate=1 ‰；For property A.R. this insurance kind, standard rate=1.5 ‰；For property
For this insurance kind of all risks, standard rate=2.2 ‰；Each mobile terminal is connected by internet with Cloud Server respectively.
The first processor module is connected with photographing module, and it is whole that the Cloud Server is connected with computer by internet
End.
The wireless communication module is 2G/3G/4G modules or wifi module or bluetooth module or zigbee modules.
The network connecting module is Rj45 modules or 2G/3G/4G modules or wifi module or bluetooth module or zigbee
Module；The satellite positioning module is GPS module or big dipper module or GLONASS modules.
The mobile terminal also includes the payment module being connected with first processor module.
The present invention has the advantage that：
This invention simplifies the working procedure of whole risk management service, enterprise security State Diagnosis expert need not return to general headquarters,
Next enterprise including address and contact person, telephone number to be evaluated can be just obtained by mobile terminal substantially to believe
Breath.So, enterprise security State Diagnosis expert need not return to general headquarters can leave for it is to be evaluated（It is to be serviced）Enterprise, and profit
Whole risk management services is completed with the present invention.
After the completion of the work of enterprise security State Diagnosis, enterprise can be according to safety index, enterprise security situation expert diagnosis
The indexs such as report, the risk factor of enterprise, from macroscopic view（Safety index and the risk factor of enterprise）And it is microcosmic（Enterprise security shape
Condition expert diagnosis is reported）Two aspects, rapidly and comprehensively understand the security risk of itself presence and need what is rectified and improved
Aspect, is enterprise's strick precaution, offer foundation of avoiding risk.
When carrying out whole risk management services, enterprise security State Diagnosis expert is using one equipment of mobile terminal
The download, secure data collection and upload of relevant information can be completed, and downloads industry safety index, enterprise security situation expert examining
The tasks such as disconnected report, the risk factor of enterprise and insurance contract, it is possible to which external printer prints insurance by connecting
Contract so that the enterprise security State Diagnosis expert for not understanding thoroughly insurance business also being capable of insurance agency company development insurance business.
Mobile terminal is inputted in the lump using photo as the additional data of corresponding site safety data.So, can be directly perceived
The field condition corresponding to each site safety data is observed on ground, is easy to later stage tracking to go and find out what's going on, is easy to related side（Such as insure public affairs
Department）Veritify the authenticity of site safety data.
Regulation coefficient not only allows for risk factors, it is also contemplated that reaches an agreement for enterprise and insurance company and to have in market etc.
The factor of help, can make the risk factor calculated more to promote enterprise to reach one with regard to volume of premium with insurance company
Cause, shift business risk and expand the business of insurance company.
Conventional insurance company is difficult to carry out business insurance service, and important difficult point, which is that, can not scientifically and rationally assess wind
Danger simultaneously calculates insurance premium.Due to the algorithm that the risk assessment and premium that lack science are calculated, actually insurance company does not know
How high insurance premium, thus often Overcharge should be required, causes enterprise to be unwilling to insure.
If the next period insurance premium calculated is too high, enterprise is difficult to agree to sign insurance contract；If calculated
Next period insurance premium it is too low, then insurance company is difficult to evade insurance risk again.The present invention algorithm, it is scientific and reasonable, by with guarantor
The internal communication and evaluation of dangerous industry personnel and enterprise's economic benefits, the enterprise security situation expert diagnosis report that the present invention is generated
With the next period insurance premium calculated, it can be received by most manufacturing business and insurance company so that the present invention can be
Bridge is erected between manufacturing business and insurance company, is shifted risk for enterprise, insurance company branches out with extremely heavy
The meaning wanted, can promote developing for manufacturing healthy and sustainable development and insurance.
The present invention is not only able to easily and quickly complete Safety Evaluation Analysis and obtains enterprise security situation expert diagnosis report
Insurance business, easily can be combined together, complete by the analytical conclusions such as announcement with whole risk management services again
Into insurance service is completed while whole risk management services, insurance contract is signed, in a structure of an essay for enterprise and insurance company
If playing convenient effective bridge, the demand of insurance company's risk control is met by the conclusion of the risk factor of rigorous enterprise,
Scientifically provide all kinds of business propertys dangerous business so that insurance company provides, also enable enterprise to be liquidated peace by insurance contract
The uncertainty that full blast is nearly brought to enterprise, is that the stable sound development of mortar businesses escorts.
Term is explained：
1st, enterprise security situation expert diagnosis is reported：The report of reflection enterprise security situation comprehensively, particular content is pacified referring to enterprise
The introduction of full situation expert diagnosis report template.
2nd, whole risk management service：There is provided can scientifically and rationally provide reflection enterprise on the basis of safety evaluation
The safety index of general safety situation, and reflect the risk indicator of enterprise's overall risk situation, and generate enterprise security situation
Expert diagnosis reports that then safety evaluation service upgrades to whole risk management service.
3rd, enterprise security State Diagnosis expert：By the expert for carrying out safety evaluation originally is trained, safety evaluation is special
Family understands, learnt the present invention after, whole risk management service can be externally provided, be enterprise security State Diagnosis expert.
4th, regulation coefficient：According to market discipline, management tactics and operating cost, next regulation next period insurance premium is worked up
Coefficient, suitably to adjust the number of next period insurance premium, is allowed to more meet market needs, promotes the probability of transaction of insurance service.
5th, safety index：Reflect the index of enterprise general safety situation, the interval of the index be greater than being equal to zero and
Less than or equal to 100.Referring specifically to the algorithm of safety index.
6th, risk factor：Reflect the risk status of enterprise, interval is less than or equal to 4, more than or equal to 0.2；Risk system
When number is high, the probability that accident occurs for enterprise is also higher.Risk factor is used for the number for calculating enterprise's next period insurance premium, takes into account and insures
The interests of enterprise and the interests of insurance company.Referring specifically to the algorithm of risk factor.
Brief description of the drawings
Fig. 1 is the principle schematic of the present invention；
Fig. 2 is the principle schematic of mobile terminal；
Fig. 3 is the principle schematic of Cloud Server.
Embodiment
As shown in Figure 1 to Figure 3, if whole risk management service of the invention and insurance service system include Cloud Server and
Dry mobile terminal, mobile terminal includes being provided with first processor module in housing, housing, and first processor module, which is connected with, to be used for
Access the wireless communication module of internet, the touch display screen for inputting information and display information, for storage information
One memory module, the print.er port for connecting external printer and for receiving satellite-signal and producing the satellite of positional information
Locating module；First memory module internal memory contains business property registration template；
Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and for accessing mutually
The network connecting module of networking, the second memory module internal memory is contained and each insurance company（Each insurance company refers to providing whole
The unit of risk management service and insurance service has the Ge Jia insurance companies of cooperative relationship）One-to-one insurance contract mould
Plate, company information data storehouse and enterprise security situation expert diagnosis report template；Include enterprise's name in company information data storehouse
Title, address, contact person, company profile and history Secure data information；（Insurance contract uses existing insurance contract form, no
There is ripe contract template for different insurance kinds with insurance company, provided by insurance company, here is omitted.）Enterprise is pacified
Include enterprise name in full situation expert diagnosis report template（The title for the enterprise being detected）, enterprise address, enterprise's property
Matter（Refer to the division carried out from the ownership to enterprise nature, such as state-owned enterprise, collectively owned enterprise, the private enterprise or outer
Provide enterprise etc.）, industry where enterprise classification（Industry is divided according to industrial sectors of national economy classification (GB/T 4754-2017)
Class）, report provide the title of unit（The title of the unit of safety detection diagnostic service is provided）, enterprise basic condition（Bag
Include following information：Production time, plant area's area, total assets, headcount, technological process of production brief introduction etc.）, plant area's overview
（Including：Road conditions near organization near surrounding enviroment and the information with plant area adjacent area, such as plant area, plant area；
Plant area's photo（If any）；Plant area builds situation（Such as situation in warehouse and workshop, if any photo, including accordingly build
Photo）；Plant area's fire fighting device, office building and its fire fighting device）, plant equipment situation（Including plant equipment layout, if any photo
Additional photo；The title of each capital equipment, if any the additional photo of photo）, warehouse situation（If any the additional photo of photo）, raw material and
Product situation（Title, quantity and deposit position including various raw materials, title, quantity and the deposit position of various products；Raw material
With the additional photo for having photo in product）, firefighting of warehouse facility situation（If any the additional photo of photo）, physical risk adverse factor
（Such as whether locality is likely encountered storm flood, earthquake, thunder and lightning, high temperature, strong wind and hail natural calamity）, dangerous matter sources number
Amount, the situation of each dangerous matter sources（The situation of dangerous matter sources refer to whether with the presence of particular risk source such as high-voltage line by enterprise and correspondingly
Adverse factor such as fire.And corresponding insurance responsibility and resolution after being insured to the dangerous matter sources（Such as coordinate power department,
Remove the high-voltage line by enterprise）, accident potential description and judge accident except suffer from foundation, accident potential may caused by accident
Type（Such as the injury of personnel or equipment）And corresponding insurance responsibility and resolution（Sign for safe evacuation and emergency lighting are such as set
Lamp）；History secure data（The situation of the accident once occurred in history, including time of casualty, type, reason, cause
Situations such as loss etc.）And conclusion；Risk factor that conclusion includes being calculated according to risk factor algorithm, whether can insure
Conclusion, insurance coverage, insurance scheme, insured amount and next period insurance premium；
Wherein, the foundation of accident potential can be relevant laws and regulations, administrative regulation, department regulation, local laws and regulations or country
Standard, the relevant regulations of professional standard；Such as《People's Republic of China's safe production act》39th article regulation extra exit should be set
Emergency evacuation mark, is actually not provided with, and accordingly there is accident potential.The description of accident potential also includes accident potential's grade
Classification, accident potential's grade reference《Temporary provisions are administered in industrial accident hidden troubles removing》And concerned countries standard and industry mark
Accurate regulation.
In enterprise security situation expert diagnosis report template, all information, as long as enterprise security State Diagnosis expert adopts
What is collected and upload has photo, all additional photographic intelligence；As long as there is the geographical location information of satellite positioning module collection simultaneously,
All additional geographical location information.
Second processor module is built-in with algorithm, the algorithm of risk factor and the next period Insurance cost calculation for calculating safety index
Algorithm；
The algorithm of safety index is：According to corresponding national standard and/or professional standard, receive the enterprise of whole risk management service
Each assessment item of industry has the score value of some sub-projects and corresponding sub-project, the score value of same all sub-projects of assessment item
Summation is the total score of the assessment item；Whether enterprise security State Diagnosis expert meets in standard to every according to on-site actual situations
One sub-project regulation scores each sub-project, and the score summation of all sub-projects of an assessment item is the evaluation
The score of project；
The safety index for receiving the enterprise of whole risk management service is equal to（The score sum of all assessment items of the enterprise/should
The total score sum of all assessment items of enterprise）×100%；
Risk factor algorithm is：F is risk factor, and A is safety index, and f is coefficient, and y is regulation coefficient；f=(100-A)/100；
As A ＜ 30, F=4.0；As A ＞ 96.0, F=0.2；As 30≤A≤96, F=f × y；
Y algorithm is：As 30≤A ＜ 40, y=6.147-0.062*A；As 40≤A ＜ 50, y=5.535-0.0467*A；When
During 50≤A ＜ 60, y=4.2-0.020*A；As 60≤A ＜ 70, y=4.998-0.020*A；As 70≤A≤96, y=
0.065*A-1.217；
The algorithm of next period Insurance cost calculation is：Next period insurance premium=insured amount × suggestion rate；
It is recommended that rate=standard rate × usual coefficient × risk factor；Usual coefficient value is 0.5；For property basic insurance this
For one insurance kind, standard rate=1 ‰；For property A.R. this insurance kind, standard rate=1.5 ‰；For property
For this insurance kind of all risks, standard rate=2.2 ‰；
History secure data refers to if, when enterprise went out the security incident of which kind of type and which kind of consequence, accident in the past
The past situation of insuring of loss and enterprise that reason, accident are caused.
Each mobile terminal is connected by internet with Cloud Server respectively.
The first processor module is connected with photographing module, and it is whole that the Cloud Server is connected with computer by internet
End.
The wireless communication module is 2G/3G/4G modules or wifi module or bluetooth module or zigbee modules.
The network connecting module is Rj45 modules or 2G/3G/4G modules or wifi module or bluetooth module or zigbee
Module；The satellite positioning module is GPS module or big dipper module or GLONASS modules.
Processor module is built-in with memory, and each module, display screen and the print.er port such as processor module are existing skill
Art.
The mobile terminal also includes the payment module being connected with first processor module, is easy to enterprise to pay down
Insurance premium.
Present invention also offers taken using above-mentioned whole risk management service and the whole risk management of insurance service system
Business and insurance service method, are carried out according to the following steps successively：
First step is typing company information；
The essential information for the enterprise that remote worker services whole risk management to be subjected（As the title of enterprise, contact person,
Company profile and history secure data）, believe by mobile terminal or by enterprise in terminal typing Cloud Server
Database is ceased, the terminal is connected by internet with the Cloud Server；
Second step is the enterprise that enterprise security State Diagnosis expert is serviced by acquisition for mobile terminal whole risk management to be subjected
The essential information of industry, and carry mobile terminal and go to the enterprise；
Third step is collection and typing site safety data；
Enterprise security State Diagnosis expert is receiving the enterprise scene of whole risk management service, according to national standard and/or row
Industry standard, to enterprise per assessment item and sub-project, the various site safety data of collection in worksite one by one（As between two factory buildings
Whether spacing, the spacing meets firebreak specified in standard, the data such as deviation is how many）, and contrast site safety data and be
The no regulation met in standard to the project or sub-project, point of the project and/or sub-project is provided according to the regulation in standard
Value；The score value of the data and projects of collection and/or sub-project is inputted by mobile terminal by touch display screen；Input scene
During secure data, enterprise security State Diagnosis expert obtains the geography related to the site safety data by satellite positioning module
Positional information, using geographical location information as the additional data of the site safety data mobile terminal is inputted in the lump；
Four steps is typing business property data；
Business property registration template includes people, machine, material, method and the partial data of ring 5；Wherein " people " refers to personnel depaly situation number
According to " machine " refers to machine property data（Such as machine name, price, quantity and the time limit is used）, " material " refers to material property data,
" method " refers to whether the enterprise for receiving whole risk management service has whether management system and the management system perfect；
" ring " refers to environmental data（As nearby with the presence or absence of the dangerous matter sources for being likely to result in business property loss, such as gas station or cigarette
Flower firecracker factory；If any dangerous matter sources, the distance at enterprise scene of the dangerous matter sources with receiving whole risk management service is recorded）；
Enterprise security State Diagnosis expert is according to the live actual conditions of enterprise, by enterprise's wealth of people, machine, material, method and the aspect of ring 5
Produce data input mobile terminal；
5th step is typing next period insurance data；
The next period insurance data typing that enterprise security State Diagnosis expert will receive the enterprise of whole risk management service is moved eventually
End, next period insurance data includes insurance kind type（Such as property basic insurance or property A.R.）With object of insuring（Such as fork truck one）；
Mobile terminal by internet by the site safety data of enterprise security State Diagnosis expert's typing, business property data and
Next period insurance data is transmitted to Cloud Server；
Cloud Server calculates the whole risk management service of receiving according to enterprise's site safety data by the algorithm of safety index
Enterprise safety index；The interval of the safety index is the numerical value of safety index more than or equal to 0 and less than or equal to 100
For 100 when represent safe coefficient highest；（Specifically, when safety index is 100, represents with the current situation of the enterprise, pacify
The probability of full accident is close to zero；When safety index is less than 30, there is possibility >=80% of security incident in 1 year in future.
Cloud Server is according to the site safety data and enterprise security situation expert diagnosis report template of enterprise, generation enterprise
Industry safe condition expert diagnosis is reported, and saves as pdf document and/or word document；
Cloud Server calculates the risk factor of enterprise according to the safety index of enterprise and the algorithm of risk factor；
Cloud Server calculates next period insurance premium according to the algorithm of Insurance cost calculation, and is protected according to the actual next period of each insurance company
The insurance contract that danger is taken and each insurance company of insurance contract template generation is directed to next period insurance data accordingly（That is declaration form）；
6th step is Cloud Server by the enterprise security situation expert diagnosis report of generation, the safety index calculated, enterprise
Risk factor and each insurance company send corresponding mobile terminal to for the insurance contract of next period insurance data（Upload
The mobile terminals of the site safety data of corresponding enterprise）, enterprise security State Diagnosis expert is in the whole risk management clothes of receiving
The enterprise scene of business receives above- mentioned information, and each insurance company is passed through into mobile terminal for the insurance contract of next period insurance data
The enterprise work personnel for receiving whole risk management service are showed, by the enterprise work personnel for receiving whole risk management service
Select the insurance contract for next period insurance data of an insurance company；
7th step is mobile terminal is connected external printer by print.er port, and prints what is selected by external printer
Insurance contract, is used for signing a contract.
The third step is to gather and in typing site safety data step, is gathering the same of various site safety data
When, enterprise security State Diagnosis expert is clapped the scene for gathering each site safety data using the photographing module of mobile terminal
According to, and mobile terminal is inputted in the lump using photo as the additional data of corresponding site safety data.So, can intuitively it see
The field condition corresponding to each site safety data is examined, is easy to later stage tracking to go and find out what's going on, is easy to related side（Such as insurance company）
Veritify the authenticity of site safety data.
Above example is only used to illustrative and not limiting technical scheme, although with reference to above-described embodiment to this hair
It is bright to be described in detail, it will be understood by those within the art that：Still the present invention can be modified or be waited
With replacement, any modification or partial replacement without departing from the spirit and scope of the present invention, it all should cover the power in the present invention
Among sharp claimed range.
Claims (5)
1. whole risk management service and insurance service system, it is characterised in that：Including Cloud Server and some mobile terminals, move
Dynamic terminal includes being provided with first processor module in housing, housing, and first processor module is connected with for accessing internet
Wireless communication module, the touch display screen for inputting information and display information, the first memory module for storage information, use
In the print.er port for connecting external printer and satellite positioning module for receiving satellite-signal and producing positional information；First
Memory module internal memory contains business property registration template；
Cloud Server is built-in with second processor module, and second processor module is connected with the second memory module and for accessing mutually
The network connecting module of networking, the second memory module internal memory is contained and each insurance company one-to-one insurance contract template, enterprise
Industry information database and enterprise security situation expert diagnosis report template；
Include enterprise name, address, contact person, company profile and history Secure data information in company information data storehouse；
Include enterprise name, enterprise address, enterprise nature, enterprise in enterprise security situation expert diagnosis report template to be expert at
Title, the basic condition of enterprise, plant equipment situation, warehouse situation, raw material and the product feelings of unit are provided in classification, the report of industry
Condition, firefighting of warehouse facility situation, physical risk adverse factor, the quantity of dangerous matter sources, the situation of each dangerous matter sources and to the danger
Corresponding insurance responsibility and resolution, accident potential's description and judgement accident can except the foundation, accident potential suffered from after insuring in source
Can caused accident pattern and corresponding insurance responsibility and resolution；History secure data and conclusion；Conclusion includes root
The safety index for the enterprise calculated according to safety index algorithm, the risk factor calculated according to risk factor algorithm, it is
The no conclusion that can be insured, insurance coverage, insurance scheme, insured amount and next period insurance premium；
Second processor module is built-in with the calculation of the algorithm for calculating safety index, the algorithm of risk factor and next period Insurance cost calculation
Method；
The algorithm of safety index is：According to corresponding national standard and/or professional standard, receive the enterprise of whole risk management service
Each assessment item of industry has the score value of some sub-projects and corresponding sub-project, the score value of same all sub-projects of assessment item
Summation is the total score of the assessment item；Whether enterprise security State Diagnosis expert meets in standard to every according to on-site actual situations
One sub-project regulation scores each sub-project, and the score summation of all sub-projects of an assessment item is the evaluation
The score of project；
The safety index for receiving the enterprise of whole risk management service is equal to（The score sum of all assessment items of the enterprise/should
The total score sum of all assessment items of enterprise）×100%；
Risk factor algorithm is：F is risk factor, and A is safety index, and f is coefficient, and y is regulation coefficient；f=(100-A)/100；
As A ＜ 30, F=4.0；As A ＞ 96.0, F=0.2；As 30≤A≤96, F=f × y；
Y algorithm is：As 30≤A ＜ 40, y=6.147-0.062*A；As 40≤A ＜ 50, y=5.535-0.0467*A；When
During 50≤A ＜ 60, y=4.2-0.020*A；As 60≤A ＜ 70, y=4.998-0.020*A；As 70≤A≤96, y=
0.065*A-1.217；
The algorithm of next period Insurance cost calculation is：Next period insurance premium=insured amount × suggestion rate；
It is recommended that rate=standard rate × usual coefficient × risk factor；Usual coefficient value is 0.5；For property basic insurance this
For one insurance kind, standard rate=1 ‰；For property A.R. this insurance kind, standard rate=1.5 ‰；For property
For this insurance kind of all risks, standard rate=2.2 ‰；Each mobile terminal is connected by internet with Cloud Server respectively.
2. whole risk management service according to claim 1 and insurance service system, it is characterised in that：At described first
Reason device module is connected with photographing module, and the Cloud Server is connected with terminal by internet.
3. whole risk management service according to claim 2 and insurance service system, it is characterised in that：The channel radio
It is 2G/3G/4G modules or wifi module or bluetooth module or zigbee modules to interrogate module.
4. whole risk management service according to any one of claim 1 to 3 and insurance service system, its feature exist
In：The network connecting module is Rj45 modules or 2G/3G/4G modules or wifi module or bluetooth module or zigbee modules；
The satellite positioning module is GPS module or big dipper module or GLONASS modules.
5. whole risk management service according to claim 4 and insurance service system, it is characterised in that：It is described mobile whole
End also includes the payment module being connected with first processor module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710733406.4A CN107330643A (en) | 2017-08-24 | 2017-08-24 | Whole risk management service and insurance service system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710733406.4A CN107330643A (en) | 2017-08-24 | 2017-08-24 | Whole risk management service and insurance service system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107330643A true CN107330643A (en) | 2017-11-07 |
Family
ID=60224668
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710733406.4A Pending CN107330643A (en) | 2017-08-24 | 2017-08-24 | Whole risk management service and insurance service system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107330643A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109617942A (en) * | 2018-10-22 | 2019-04-12 | 平安科技（深圳）有限公司 | Product data method for pushing, device, computer equipment and storage medium |
| CN110392086A (en) * | 2018-04-23 | 2019-10-29 | 辰安云服技术有限公司 | A kind of application method of the one-stop mandatory system of public safety socialization |
| CN112257985A (en) * | 2020-09-27 | 2021-01-22 | 汉威科技集团股份有限公司 | Enterprise safety production risk index analysis system |
| CN112785279A (en) * | 2021-02-04 | 2021-05-11 | 精英数智科技股份有限公司 | Block chain technology-based liability insurance application system and method |
| CN113344713A (en) * | 2021-05-27 | 2021-09-03 | 北京优全智汇信息技术有限公司 | Insurance scheme configuration release system and release method thereof |
| CN113393331A (en) * | 2021-06-10 | 2021-09-14 | 罗忠明 | Database and algorithm based big data insurance accurate wind control, management, intelligent customer service and marketing system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103038795A (en) * | 2009-12-24 | 2013-04-10 | 旅行者保险公司 | Risk assessment and control, insurance premium determinations, and other applications using busyness |
| CN106485418A (en) * | 2016-10-18 | 2017-03-08 | 成都鼎安华物联网工程应用有限公司 | A kind of risk analysis method and system |
-
2017
- 2017-08-24 CN CN201710733406.4A patent/CN107330643A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103038795A (en) * | 2009-12-24 | 2013-04-10 | 旅行者保险公司 | Risk assessment and control, insurance premium determinations, and other applications using busyness |
| CN106485418A (en) * | 2016-10-18 | 2017-03-08 | 成都鼎安华物联网工程应用有限公司 | A kind of risk analysis method and system |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110392086A (en) * | 2018-04-23 | 2019-10-29 | 辰安云服技术有限公司 | A kind of application method of the one-stop mandatory system of public safety socialization |
| CN109617942A (en) * | 2018-10-22 | 2019-04-12 | 平安科技（深圳）有限公司 | Product data method for pushing, device, computer equipment and storage medium |
| CN112257985A (en) * | 2020-09-27 | 2021-01-22 | 汉威科技集团股份有限公司 | Enterprise safety production risk index analysis system |
| CN112785279A (en) * | 2021-02-04 | 2021-05-11 | 精英数智科技股份有限公司 | Block chain technology-based liability insurance application system and method |
| CN113344713A (en) * | 2021-05-27 | 2021-09-03 | 北京优全智汇信息技术有限公司 | Insurance scheme configuration release system and release method thereof |
| CN113393331A (en) * | 2021-06-10 | 2021-09-14 | 罗忠明 | Database and algorithm based big data insurance accurate wind control, management, intelligent customer service and marketing system |
| CN113393331B (en) * | 2021-06-10 | 2022-08-23 | 罗嗣扬 | Database and algorithm based big data insurance accurate wind control, management, intelligent customer service and marketing system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107330643A (en) | Whole risk management service and insurance service system | |
| Xu et al. | Collaborative information integration for construction safety monitoring | |
| CN107464187A (en) | Business risk evaluation method | |
| US9164663B1 (en) | Monitoring and reporting system for an electric power distribution and/or collection system | |
| US10628888B2 (en) | System to automatically determine supplemental insurance information for a virtual home display | |
| CN107292546A (en) | Enterprise security condition detection diagnosis report generates system and generation method | |
| CN203165006U (en) | Engineering project management system | |
| Minas et al. | A review of operations research methods applicable to wildfire management | |
| WO2013148897A1 (en) | Systems and methods for certified location data collection, management, and utilization | |
| US20200265357A1 (en) | Systems and methods to quantify risk associated with suppliers or geographic locations | |
| CN102496087A (en) | HSE management system using computer technology, and application of the same | |
| KR20200017605A (en) | Cloud service platform system to manage for fire-fighting facilities | |
| Guo et al. | Improved safety checklist analysis approach using intelligent video surveillance in the construction industry: a case study | |
| KR102312738B1 (en) | Smart construction safety monitering integrated control system | |
| CN108304983A (en) | Management platform is repaiied in a kind of oil and gas pipeline inspection acquired based on unmanned plane and network communication technology data | |
| CN107481153A (en) | Whole risk management method of servicing | |
| EP3279852A1 (en) | Work planning system, work planning method, decision-making support system, computer program, and storage medium | |
| Wang et al. | Development of an internet-of-things-based technology system for construction safety hazard prevention | |
| Samudhram et al. | Towards a new paradigm: Activity level balanced sustainability reporting | |
| CN107679827A (en) | Towards the management platform of ordinarily resident | |
| George et al. | CRITICAL indicators for assessment of capacity development for disaster preparedness in a pandemic context | |
| CN114841662A (en) | Infrastructure construction project management and control method and device, computer equipment and storage medium | |
| KR102316815B1 (en) | Smart construction safety monitering integrated control system for ordering organization | |
| US20140136424A1 (en) | System and method for creating a customer profile based on history of service | |
| CN107481152A (en) | The safety index analysis system and analysis method of enterprise |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20171107 |
|
| RJ01 | Rejection of invention patent application after publication |