CN1591492A - Method for bank small amount paying insurance premium by cell phone after insuring to insurance company - Google Patents
Method for bank small amount paying insurance premium by cell phone after insuring to insurance company Download PDFInfo
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- CN1591492A CN1591492A CN 03140291 CN03140291A CN1591492A CN 1591492 A CN1591492 A CN 1591492A CN 03140291 CN03140291 CN 03140291 CN 03140291 A CN03140291 A CN 03140291A CN 1591492 A CN1591492 A CN 1591492A
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Abstract
The present invention relates to a method capable of allowing insurance applicant to utilize handset to pay premium with small amount of money to insurance company by means of bank. Said method is characterized by that insurance applicant can utilize mobile telephone to send insurance application information into insurance company at all times and places when said insurance applicant wants to bay travel accident insurance (for example, travel accident insurance which can be bought when said insurance applicant can travel by airplane, automobile, train and ship), after the insurance application information is checked by insurance company and is errorless, the insurance company can promotly send request to bank of deposit of insurance applicant to paying premium with small amount of money, said bank can check the insurance applicant account balance, if said balance is enough, the payment confirmation information can be fed back into insurance company, said insurance company can promptly confirm the insurance bought by insurance applicant.
Description
TECHNICAL FIELD OF THE INVENTION
The present invention relates to utilize the communication field and the taking out insurances field of mobile phone.
The technical background of invention
The development of mechanics of communication now popularizes as mobile phone that in time obtain and send that various information provide may for people.
Goal of the invention
Existing purchase travel-accident insurance all needs the passenger to buy to starting point or agency place before travelling, causes insure inconvenience on the program of insurer.So the method for insuring of the bank that utilize the convenient purchase travel-accident insurance of mobile phone, provides convenience for the insurer little amount of money payment payment of premium is very necessary, the present invention is exactly in order to reach above purpose.
Summary of the invention
The present invention is based on the development of The present computer technology and modern communications technology.
In this method, the insurer can want to buy travel-accident insurance (as by air, by plane, the travel-accident insurance bought when automobile, train, steamer) time, utilize mobile phone whenever and wherever possible, send and insure information to insurance company.Insurance company check the information of insuring errorless after, send the little amount of money payment information of request payment insurer premium immediately to the insurer bank of deposit, the insurer bank of deposit check the little amount of money payment of insurer remaining sum enough after, to insurance company's feedback payment confirmation.The insurance that insurance company confirms the insurer is immediately thrown, and send the successful information of insuring to the insurer bank of deposit, the insurer bank of deposit successful information of will insuring again sends to a kind of taking out insurances method of insurer's mobile phone.
Method of the present invention mainly comprises the steps:
A, insurer can utilize mobile phone whenever and wherever possible when wanting to buy travel-accident insurance, send the information of insuring that comprises the code name that needs to buy insurance, the number of days of insuring, insured amount and arrive specific insurance company;
B, insurance company insure the insurer after the information confirmation, send request to the insurer bank of deposit and pay the request of corresponding premium to the account of insurance company from insurer's bank account;
C, the insurer bank of deposit be from the corresponding premium of insurer's bank account deduct, and send to insurance company and to confirm payment information;
D, insurance company confirm that insure success and the successful information of will insuring of insurer sends to the insurer bank of deposit;
E, the insurer bank of deposit successful information of will insuring is forwarded to insurer's mobile phone.
In the method, after the step c deduct premium, the insurer bank of deposit can send the notice of bank account balance change to insurer's mobile phone;
The present invention is further illustrated below by drawings and Examples:
The step of process description the inventive method of Figure of description
A, for example insurer Huang Xiansheng are at the whilst on tour of going out, can be when wanting to buy travel-accident insurance, utilize mobile phone whenever and wherever possible, send the information of insuring comprise the code name that needs to buy insurance, the number of days of insuring, insured amount to the computer of the specific insurance company system of insuring; Utilize its mobile phone 13902966788 as Mr. Huang, the information of insuring that sends " * 9,*7*,20*,075,583,439,298,*95,599 8,008 51,738 70115 " is to insurance company computer system of Shenzhen Ping'an; Wherein 9 represent the insurance kind code name of insuring, as the personal accident danger; 7 representatives were from the insure days of insurance of information of transmission, promptly 7 days; The 20 representatives expense of insuring is 20 yuan of Renminbi, and 075583439298 is beneficiary's telephone number; 95,599 8,008 51,738 70115 is insurer Huang Xiansheng Shenzhen agricultural bank card number;
B, insurance company of Shenzhen Ping'an insure the insurer after the information confirmation, and sending request to Shenzhen agricultural bank of the insurer bank of deposit is 20 yuan of requests to the account of insurance company of Shenzhen Ping'an of Renminbi from the corresponding premium of insurer's bank card account 95,599 8,008 51,738 70115 payments;
After c, Shenzhen agricultural bank of the insurer bank of deposit receive insurance company's information and check insurer Huang Xiansheng bank card account 95,599 8,008 51,738 70115,, and send to insurance company of Shenzhen Ping'an and to confirm payment information to the account of insurance company of Shenzhen Ping'an from 20 yuan of corresponding premium Renminbi of insurer's bank account 95,599 8,008 51,738 70115 deducts; Owing to be little amount of money payment, so do not need the insurer to confirm with password or other modes especially;
D, Shenzhen agricultural bank of the insurer bank of deposit send the notice of deduct premium to insurer Huang Xiansheng mobile phone 13902966788; " on July 31st, 2003 12:10 branch, you account reduces 20 yuan of Renminbi, 11580 yuan of balance in hand Renminbi to notify the insurer as bank in the mode of SMS.”
E, insurance company of Shenzhen Ping'an confirm that insure success and the successful information of will insuring of insurer sends to the insurer bank of deposit;
F, Shenzhen agricultural bank of the insurer bank of deposit successful information of will insuring is forwarded to insurer's mobile phone 13902966788.Notify the insurer Huang Xiansheng as the form that Shenzhen agricultural bank can SMS: " you wish your safety to the personal accident insurance success that insurance company of Shenzhen Ping'an is thrown! "
If the insurer runs into unexpected injury in the insurance risk at period insured, then the insurer can claim on the insurance by the bank of deposit.It is dead as the insurer insurance risk to take place, and the bank of deposit can assist the beneficiary to claim on the insurance by the bank of deposit according to insure beneficiary's telephone number 075583439298 advise beneficiary in the information of insurer; Beneficiary or the insurer heir to property insurance agent system of the insurer bank of deposit that also can make a telephone call to, the inquiry insurer travel-accident insurance of whether having insured behind input insurer's Mobile Directory Number.
Utilize this method, also can buy other as motoring casualty insurance, rail travel casualty insurance, steamer travel-accident insurance or the like personal insurance kind.
Claims (2)
1, a kind of with the assure on the insurance company method of back bank little amount of money payment payment of premium of mobile phone, this method comprises the steps:
A, insurer can utilize mobile phone whenever and wherever possible when wanting to buy travel-accident insurance, send the information of insuring that comprises the code name that needs to buy insurance, the number of days of insuring, insured amount and arrive specific insurance company;
B, insurance company insure the insurer after the information confirmation, send request to the insurer bank of deposit and pay the request of corresponding premium to the account of insurance company from insurer's bank account;
C, the insurer bank of deposit be from the corresponding premium of insurer's bank account deduct, and send to insurance company and to confirm payment information;
D, insurance company confirm that insure success and the successful information of will insuring of insurer sends to the insurer bank of deposit;
E, the insurer bank of deposit successful information of will insuring is forwarded to insurer's mobile phone.
2, according to claim 1, after the step c deduct premium, the insurer bank of deposit can send the notice of bank account balance change to insurer's mobile phone;
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140291 CN1591492A (en) | 2003-08-28 | 2003-08-28 | Method for bank small amount paying insurance premium by cell phone after insuring to insurance company |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 03140291 CN1591492A (en) | 2003-08-28 | 2003-08-28 | Method for bank small amount paying insurance premium by cell phone after insuring to insurance company |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1591492A true CN1591492A (en) | 2005-03-09 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 03140291 Pending CN1591492A (en) | 2003-08-28 | 2003-08-28 | Method for bank small amount paying insurance premium by cell phone after insuring to insurance company |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1591492A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108334527A (en) * | 2017-02-20 | 2018-07-27 | 平安科技（深圳）有限公司 | Insurance information querying method and device |
-
2003
- 2003-08-28 CN CN 03140291 patent/CN1591492A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108334527A (en) * | 2017-02-20 | 2018-07-27 | 平安科技（深圳）有限公司 | Insurance information querying method and device |
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| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |