CN107424075A - A kind of New-safety purchase and method of insuring based on social networks - Google Patents
A kind of New-safety purchase and method of insuring based on social networks Download PDFInfo
- Publication number
- CN107424075A CN107424075A CN201710676062.8A CN201710676062A CN107424075A CN 107424075 A CN107424075 A CN 107424075A CN 201710676062 A CN201710676062 A CN 201710676062A CN 107424075 A CN107424075 A CN 107424075A
- Authority
- CN
- China
- Prior art keywords
- insurance
- purchase
- red packet
- orders
- user
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The present invention relates to assurance technology field, especially a kind of New-safety purchase and method of insuring based on social networks, user clicks to enter module of insuring first, into insurance centre, insurance centre contains all insurance kind of the purchase as insurance red packet, user selects the kind of insurance oneself needed, then clicks on the number for setting purchase insurance in next step；After the completion of purchase, a total insurance gift bag can be generated；After user buys corresponding number insurance red packet, by being shared with good friend, chat group or circle of friends, got for everybody, after user receives insurance red packet, before every part of insurance expired, simple personal information is simply entered, this part insurance can be activated, to be insured by insurer, declaration form is generated, without paying.New-safety provided by the invention purchase and the method for insuring realize the digitization, negotiable of insurance products, bring brand-new social networks formula insurance purchase and experience of insuring.
Description
Technical field
The present invention relates to assurance technology field, more particularly to a kind of New-safety purchase and policy-holder based on social networks
Method.
Background technology
The insurance products of traditional insurance industry, the impression for giving people to leave all are bound to arouse fear：The rule of complexity, lengthy speech
Protocol contents, countless the needs personal information, various examination ＆ verifications and the client oneself that prepare calculate unclear account forever.
With the development of internet, especially the fast development of mobile Internet and " internet+" are included in country in recent years
Strategy, all trades and professions are all carrying out internet transition.It is exactly one to future risk and existing insurance products, attribute are single
Individual guarantee product, the power that can only play set society helps the function of minority difficult colony, therefore is badly in need of internet transition.
The content of the invention
The invention aims to solve shortcoming present in prior art, and propose a kind of based on social networks
New-safety is bought and method of insuring.
To achieve these goals, present invention employs following technical scheme：
A kind of New-safety purchase based on social networks and method of insuring are designed, is comprised the following steps：
S1, purchase insurance red packet：User clicks to enter module of insuring, and into insurance centre, insurance centre contains entirely
Insurance kind of portion's purchase as insurance red packet, user select the kind of insurance oneself needed, then click on and set purchase to protect in next step
The number of danger；
S2, the number that insurance red packet is set：User voluntarily sets each number insured, and every part of insurance is separately as one
Individual insurance red packet, system calculates total premium and provides on-line payment entrance automatically, after the completion of purchase, can generate a total guarantor
Dangerous gift bag；
S3, insurance red packet are shared：After user buys corresponding number insurance red packet, by be shared with good friend, chat group or
In person's circle of friends, got for everybody, and everyone a insurance red packet of limit neck from each insurance gift bag；
S4, send and receive insurance red packet statistics：After insurance red packet has been shared, user checks oneself by sharing platform
The full insurance red packet that sends and state is got, if not got, can continue to be shared with other people, while other users can
Check all insurance red packets oneself got；
S5, insurance activation：After user receives insurance red packet, before every part of insurance expired, simple is simply entered
People's information, you can activate this part insurance, to be insured by insurer, declaration form is generated, without paying.
Preferably, in order to realize this programme, and the change of insurance company's system is reduced as far as possible, purchase insurance is red in S1
Bag link, user buy red packet when, insurance company's advance premium, and generate it is advance mark to should item part insurance purchase remember
Record；And the insurance activation link in S5, as long as customer input information generates the part and insured odd numbers, system will Auto-matching carry
The purchaser record of the mark, and realize that premium is landed, flow finishes.
Preferably, in order to tackle declaration form matter of time, activation link is insured in S5, it activated the time limit as 1 year, from purchase
Time point start calculate 1 year in, for declaration form activation the term of validity, exceed the time limit, declaration form can not be activated, can not insure.
Preferably, in addition to following one-to-many reconciliation step:
A1, every Confirmation of Orders：By system, locally generation order A and on-line payment mechanism order B carries out payment
On reconciliation, it is ensured that the consistent correctness of payment；And insurance company's order C orders, it is necessary to a crucial information is carried,
I.e. which part pay invoice A it comes from, and each because of C orders caused by order A, will carry the identity information of A orders；
A2, total amount of the orders correctly confirm：The C orders of all carrying A order identity informations are inquired about, calculate C total amounts of the orders, and
The amount of money of A orders is contrasted, and contrast is consistent, then reconciliation success；
A3, total amount of the orders deviation confirm：If reconciliation result, C orders total amount is more than the amount of money of A orders, then reconciliation occurs
Mistake, the flow that order meets need to be carried out, finds out wrong order；If reconciliation result, C orders total amount is less than the amount of money of A orders,
Then illustrate some insurance red packet and be not used；When this partial insurance red packet is not activated also more than the term of validity,
The reimbursement flow to A orders payment user is initiated, reimbursement total value is the amount of money summation of all unactivated C orders.
A kind of New-safety purchase and method of insuring, beneficial effect based on social networks proposed by the present invention are：
1st, insurance is bought and insured and carried out the transformation of novelty so that two steps are separated in time, purchase
It is whom that insurer is not aware that when insurance, and insurer can be real by the insurance red packet got without oneself payment of premium
Now insure, flexible, quick, easy, social.The digitization, negotiable of insurance products is realized, brings brand-new social network
Network formula insurance purchase and experience of insuring.
2nd, the pattern of traditional insurance companies' reconciliation has been transformed, on the premise of original insurance company's systemic-function is not changed,
Realize the account checking method of new ant algorithms.
3rd, two kinds of innovative designs of process of purchase are insured：
(1) it is " first pre-paid premium, regenerating odd numbers of insuring " to become " first generating insurance application number, then payment of premium "：Insurance
Company's advance premium, generate it is advance mark to should item part insurance purchaser record；Customer input information generates this part of insurance application
Number when Auto-matching carry the purchaser record of the mark, and realize that premium is landed, flow finishes.
(2) it is " to first pass through third party's advance premium, regenerate insurance application to become " first generating insurance application number, then payment of premium "
Number, last payment of premium to insurance company's account "：Third-party institution's advance premium, generate it is advance mark to should item part insure
Purchaser record.Customer input information generate this part insure odd numbers when Auto-matching carry the purchaser record of the mark, and to pre-
The third-party institution for receiving premium proposes payment application, and third-party institution's payment of premium realizes that premium is landed, flow to insurance company
Finish.
Brief description of the drawings
Fig. 1 is a kind of New-safety purchase and the one-to-many reconciliation for method of insuring based on social networks proposed by the present invention
Flow chart.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.
Reference picture 1, a kind of New-safety purchase and method of insuring based on social networks, comprises the following steps：
S1, purchase insurance red packet：User clicks to enter module of insuring, and into insurance centre, insurance centre contains entirely
Insurance kind of portion's purchase as insurance red packet, user select the kind of insurance oneself needed, then click on and set purchase to protect in next step
The number of danger；
S2, the number that insurance red packet is set：User voluntarily sets each number insured, and every part of insurance is separately as one
Individual insurance red packet, system calculates total premium and provides on-line payment entrance automatically, after the completion of purchase, can generate a total guarantor
Dangerous gift bag；
S3, insurance red packet are shared：After user buys corresponding number insurance red packet, by be shared with good friend, chat group or
In person's circle of friends, got for everybody, and everyone a insurance red packet of limit neck from each insurance gift bag；
S4, send and receive insurance red packet statistics：After insurance red packet has been shared, user checks oneself by sharing platform
The full insurance red packet that sends and state is got, if not got, can continue to be shared with other people, while other users can
Check all insurance red packets oneself got；
S5, insurance activation：After user receives insurance red packet, before every part of insurance expired, simple is simply entered
People's information, you can activate this part insurance, to be insured by insurer, declaration form is generated, without paying.
Traditional insurance industry, purchase insurance are after first generating insurance application number, by a payment of premium, premium direct payment to guarantor
Dangerous corporation account.And the product design scheme of the present invention, because it is whom that payer, which is not aware that insurer, insure character in purchase
Be no number of policy when premium, only shared away insurance in the form of red packet, and someone get after pass through
After typing insurer's information, can just take number of policy, thus with the stream of traditional " first generating insurance application number, then payment of premium "
Cheng Bufu.
In order to realize this programme, and reduce the change of insurance company's system as far as possible, the purchase insurance red packet link in S1,
User buy red packet when, insurance company's advance premium, and generate it is advance mark to should item part insurance purchaser record；And in S5
Middle insurance activation link, as long as customer input information generates the part and insured odd numbers, system will Auto-matching with the mark
Purchaser record, and realize that premium is landed, flow finishes, that is, it is that " first pre-paid is protected to become " first generating insurance application number, then payment of premium "
Take, regenerate odd numbers of insuring ".
Also it is " to first pass through third party's advance premium, regeneration is thrown that change " first generating insurance application number, then payment of premium ", which can be used,
The mode of number of policy, last payment of premium to insurance company's account ".Third-party institution's advance premium, it is corresponding to generate advance mark
The purchaser record of this part insurance.Customer input information generate this part insure odd numbers when Auto-matching with the mark purchase remember
Record, and propose to pay application to the third-party institution of advance premium, third-party institution's payment of premium realizes premium to insurance company
Landing, flow finish.
In reconciliation this part, it is necessary to be adapted to and docked with the background management system of insurance company, in order to reduce because being
The system risk brought of transformation and influence, in line with the principle for existed system minimize adjustment, The present invention gives oneself
Reconciliation scheme：
Traditional premium is paid, and is that purchase and use are combined closely, the two will not be separated, therefore any purchase is ordered
It is single, it can all generate unique corresponding order；And the purchase for insuring red packet is once, it is separation to activate declaration form, thus
It can bring the problem of one-to-many so that reconciliation generates difficulty, and on the activationary time of declaration form, and a period.
In order to tackle declaration form matter of time, activation link is insured in S5, it activated the time limit as 1 year, from the time point of purchase
Start to calculate in 1 year, for the term of validity of declaration form activation, exceed the time limit, declaration form can not be activated, can not insure.
When user buys gift bag, with insurance company system do not have it is any interact, do not generate any insurance company's system and order
It is single, system local order A, and on-line payment mechanism order B are simply generated, when more people activate insurance red packet, often activates one
It is secondary, it can all be interacted with insurance company's system, generate the insurance company order C1 of the user, and by insurance company's system
Insured to the client for filling in corresponding information, now, Duo Fen insurance companies order can be produced.
Reconciliation step is as follows:
A1, every Confirmation of Orders：By system, locally generation order A and on-line payment mechanism order B carries out payment
On reconciliation, it is ensured that the consistent correctness of payment, and insurance company's order C orders, it is necessary to carry a crucial information,
I.e. which part pay invoice A it comes from, and each because of C orders caused by order A, will carry the identity information of A orders；
A2, total amount of the orders correctly confirm：The C orders of all carrying A order identity informations are inquired about, calculate C total amounts of the orders, and
The amount of money of A orders is contrasted, and contrast is consistent, then reconciliation success；
A3, total amount of the orders deviation confirm：If reconciliation result, C orders total amount is more than the amount of money of A orders, then reconciliation occurs
Mistake, the flow that order meets need to be carried out, finds out wrong order；If reconciliation result, C orders total amount is less than the amount of money of A orders,
Then illustrate some insurance red packet and be not used；When this partial insurance red packet is not activated also more than the term of validity,
The reimbursement flow to A orders payment user is initiated, reimbursement total value is the amount of money summation of all unactivated C orders.
The foregoing is only a preferred embodiment of the present invention, but protection scope of the present invention be not limited thereto,
Any one skilled in the art the invention discloses technical scope in, technique according to the invention scheme and its
Inventive concept is subject to equivalent substitution or change, should all be included within the scope of the present invention.
Claims (4)
1. a kind of New-safety purchase and method of insuring based on social networks, it is characterised in that comprise the following steps：
S1, purchase insurance red packet：User clicks to enter module of insuring, and into insurance centre, insurance centre contains whole purchases
The insurance kind as insurance red packet is bought, user selects the kind of insurance oneself needed, then clicks on and sets purchase insurance in next step
Number；
S2, the number that insurance red packet is set：User voluntarily sets each number insured, and every part of insurance is separately as a guarantor
Dangerous red packet, system calculates total premium and provides on-line payment entrance automatically, after the completion of purchase, can generate a total insurance gift
Bag；
S3, insurance red packet are shared：After user buys corresponding number insurance red packet, by being shared with good friend, chat group or friend
In friend's circle, got for everybody, and everyone a insurance red packet of limit neck from each insurance gift bag；
S4, send and receive insurance red packet statistics：After insurance red packet has been shared, user checks that oneself sends by sharing platform
Full insurance red packet and get state, if not got, can continue to be shared with other people, while other users can check
All insurance red packets oneself got；
S5, insurance activation：After user receives insurance red packet, before every part of insurance expired, simple personal letter is simply entered
Breath, you can activate this part insurance, to be insured by insurer, declaration form is generated, without paying.
2. a kind of New-safety purchase and method of insuring based on social networks according to claim 1, it is characterised in that
In order to realize this programme, and reduce the change of insurance company's system as far as possible, the purchase insurance red packet link in S1, user's purchase
During red packet, insurance company's advance premium, and generate it is advance mark to should item part insurance purchaser record；And insure in S5 and swash
Link living, as long as customer input information generates the part and insured odd numbers, system will Auto-matching carry the purchaser record of the mark,
And realize that premium is landed, flow finishes.
3. a kind of New-safety purchase and method of insuring based on social networks according to claim 1, it is characterised in that
In order to tackle declaration form matter of time, activation link is insured in S5, it activated the time limit as 1 year, was calculated since the time point of purchase
In 1 year, for the term of validity of declaration form activation, exceed the time limit, declaration form can not be activated, can not insure.
4. a kind of New-safety purchase and method of insuring based on social networks according to claim 1, it is characterised in that
Also include following one-to-many reconciliation step:
A1, every Confirmation of Orders：By system, locally generation order A and on-line payment mechanism order B is carried out in payment
Reconciliation, it is ensured that the consistent correctness of payment, and insurance company's order C orders, it is necessary to carry a crucial information, i.e., it
From which part pay invoice A, each because of C orders caused by order A, the identity information of A orders will be carried；
A2, total amount of the orders correctly confirm：The C orders of all carrying A order identity informations are inquired about, calculate C total amounts of the orders, and A is ordered
Single amount of money is contrasted, and contrast is consistent, then reconciliation success；
A3, total amount of the orders deviation confirm：If reconciliation result, C orders total amount is more than the amount of money of A orders, then reconciliation mistake occurs,
The flow that order meets need to be carried out, finds out wrong order；If reconciliation result, C orders total amount is less than the amount of money of A orders, then says
Some bright insurance red packet is simultaneously not used；When this partial insurance red packet is not activated also more than the term of validity, initiate
The reimbursement flow of user is paid to A orders, reimbursement total value is the amount of money summation of all unactivated C orders.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710676062.8A CN107424075A (en) | 2017-08-09 | 2017-08-09 | A kind of New-safety purchase and method of insuring based on social networks |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710676062.8A CN107424075A (en) | 2017-08-09 | 2017-08-09 | A kind of New-safety purchase and method of insuring based on social networks |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107424075A true CN107424075A (en) | 2017-12-01 |
Family
ID=60436873
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710676062.8A Pending CN107424075A (en) | 2017-08-09 | 2017-08-09 | A kind of New-safety purchase and method of insuring based on social networks |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107424075A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108230163A (en) * | 2018-01-02 | 2018-06-29 | 中国平安人寿保险股份有限公司 | Insurance products promotion method, device, equipment and computer readable storage medium |
| CN109035042A (en) * | 2018-08-07 | 2018-12-18 | 阳光财产保险股份有限公司 | It insures interface login method and device |
| CN109785173A (en) * | 2019-02-01 | 2019-05-21 | 泰康保险集团股份有限公司 | Protection amount point based on link publication robs method, apparatus, equipment and storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP2716557A2 (en) * | 2012-10-05 | 2014-04-09 | Pitney Bowes Inc. | System for dynamically adjusting the relative position of internal content material in a mailpiece fabrication system |
| CN106886908A (en) * | 2015-12-11 | 2017-06-23 | 王宇鹏 | Moving marketing system based on lottery ticket red packet and reward voucher red packet |
| CN107563791A (en) * | 2017-07-31 | 2018-01-09 | 广州点升信息技术有限公司 | Marketing method based on free benefits |
-
2017
- 2017-08-09 CN CN201710676062.8A patent/CN107424075A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP2716557A2 (en) * | 2012-10-05 | 2014-04-09 | Pitney Bowes Inc. | System for dynamically adjusting the relative position of internal content material in a mailpiece fabrication system |
| CN106886908A (en) * | 2015-12-11 | 2017-06-23 | 王宇鹏 | Moving marketing system based on lottery ticket red packet and reward voucher red packet |
| CN107563791A (en) * | 2017-07-31 | 2018-01-09 | 广州点升信息技术有限公司 | Marketing method based on free benefits |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108230163A (en) * | 2018-01-02 | 2018-06-29 | 中国平安人寿保险股份有限公司 | Insurance products promotion method, device, equipment and computer readable storage medium |
| CN108230163B (en) * | 2018-01-02 | 2022-02-01 | 中国平安人寿保险股份有限公司 | Insurance product popularization method, device, equipment and computer readable storage medium |
| CN109035042A (en) * | 2018-08-07 | 2018-12-18 | 阳光财产保险股份有限公司 | It insures interface login method and device |
| CN109785173A (en) * | 2019-02-01 | 2019-05-21 | 泰康保险集团股份有限公司 | Protection amount point based on link publication robs method, apparatus, equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104574050B (en) | The method, apparatus and system settled accounts online | |
| AU2001269453B2 (en) | Electronic trading server, seller client, buyer client, and electronic trading method | |
| CN108604344A (en) | Method and system for using digital signature creation Trusted Digital assets transfer | |
| CN106940849A (en) | Data interactive method and device, offline credit payment method and device | |
| CN104484811A (en) | Reward-offering transaction processing method and system based on mobile internet | |
| CN105512935A (en) | Borrowing and lending system based on mobile terminal | |
| CN107111829A (en) | Online transaction integration merges accumulation, confirms system and method | |
| CN107424075A (en) | A kind of New-safety purchase and method of insuring based on social networks | |
| CN108335103A (en) | A kind of deducting money method and system based on digital cash | |
| WO2019040855A1 (en) | Methods and apparatus for value transfer | |
| CN107038644A (en) | Declaration form treating method and apparatus | |
| CN106096952A (en) | Mobile phone games method of payment, paying server and payment system | |
| CN107833138A (en) | A kind of processing method and processing device of the Foreign Exchange Settlement and Sale transaction based on net amount netting | |
| CN110020928A (en) | Anti- conspiracy attack network auction method based on block chain intelligence contract | |
| CN110544079A (en) | Quality-payable online transaction system and method | |
| CN108846757A (en) | A kind of offshore currency method of commerce and device realized based on block chain technology | |
| CN107341724A (en) | A kind of insurance card list based on block chain technology | |
| CN108369706A (en) | Authorize the method to the transaction request of Payment Card | |
| KR102117063B1 (en) | System for attracting funding using star-marketing system sharing profit and method thereof | |
| CN108492071A (en) | A kind of express delivery information processing method and device based on block chain | |
| CN109078332A (en) | A method of for carrying out account transaction in game | |
| CN115641208A (en) | Carbon financial credit evaluation and evaluation matching transaction system | |
| KR20200072371A (en) | System for investing contents using crypto-currency based on blockchain and method thereof | |
| CN109104474A (en) | A kind of common recognition mechanism mutation method | |
| CN108734578A (en) | Data processing method and system based on transaction robot |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20171201 |
|
| RJ01 | Rejection of invention patent application after publication |