CN201886559U - Retail management system for insurance products - Google Patents
Retail management system for insurance products Download PDFInfo
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- CN201886559U CN201886559U CN2010205748995U CN201020574899U CN201886559U CN 201886559 U CN201886559 U CN 201886559U CN 2010205748995 U CN2010205748995 U CN 2010205748995U CN 201020574899 U CN201020574899 U CN 201020574899U CN 201886559 U CN201886559 U CN 201886559U
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Abstract
A retail management system for insurance products comprises an insurance product POS (Point-Of-Sale) terminal and a system management platform, works together with an insurance company background system, a public information platform and a bank Union Pay Card background system, and is characterized in that the insurance product POS terminal is in two-way communication connection with the bank Union Pay Card background system and the insurance company background system respectively through a communication module built in the insurance product point-of-sale terminal by the system management platform; and the insurance company background system is in communication connection with the public information platform through the Internet. The retail management system for insurance products is self-service equipment capable of being mounted in public places, such as banks, to bring convenience for an insured customer to buy the insurance products and to obtain various risk securities without delay; and the insurance product POS terminal serves as a distribution channel of an insurance company in the public place, so that the operating cost is lowered.
Description
Technical field
The utility model relates to a kind of system of special-purpose point-of-sale terminal marketing insurance product that can be by self-service form and Attended mode form.
Background technology
Existing automatic vending machine or other public self-service machines etc. of paying the fees, can't reach the requirement of marketing insurance product, for example ensure and select, real-time price quotations, payment and settlement, customer insured's information Recognition, document format output etc., and the traditional sales mode of insurance company is subjected to the restriction of personnel place business hours, make the customer insured to link up through long-time or aspectant and sales force, can not conveniently buy needed insurance, simultaneously because payment and settlement, examining all of customer information need and be examined in insurance company's sales counter or backstage clearing, expend a large amount of time and the financial cost of customer insured, made the customer insured can not promptly and accurately enjoy the insurance service of insurance company.Simultaneously, the POS equipment that present bank and all kinds of payment company lay etc. can only be finished the function of paying the fees, and how to provide a kind of can satisfy insurance products and sell demand, realize the unified identification and the management of customer information, capital settlement information, insurance cover information etc., met the requirement of Insurance Regulation, bank, the tax, mobile management etc.; Can simplify simultaneously insurance products and sell flow process, reduce system complexity and construction cost, and then reduce transaction cost, the system that saves customer insured's time just becomes a problem demanding prompt solution.
The utility model content
Technical problem to be solved in the utility model is to provide a kind of insurance products retail management system, can not satisfy to overcome existing automatic vending machine or other public self-service machines of paying the fees that insurance products is sold demand and existing insurance sales pattern can not be the problem that the customer insured provides convenient service.
The technical scheme that solves the problems of the technologies described above: a kind of insurance products retail management system, comprise insurance products point-of-sale terminal, system management platform, this system and insurance company's background system, public information platform and bank's interchanger background system collaborative work, it is characterized in that: the insurance products point-of-sale terminal is connected with insurance company background system two-way communication with bank interchanger background system respectively via system management platform by the communication module that is built in wherein, and insurance company's background system communicates to connect by internet and public information platform.
Further, but the insurance products point-of-sale terminal by calculating main equipment, communication module, touch-screen, paying the fees and form with the automatic teller machine housing of bar printer, business voucher printer, code keypad, IC-card card reader, magnetic stripe card card reader, I.D. card reader and each equipment of embedded with safety product self-help selling automatic teller machine.
Further, the integrated portable terminal of this point-of-sale terminal.
Further, calculating main equipment in the described point-of-sale terminal is made up of PC or POS machine terminal, touch-screen is the touch-screen with end message demonstration and input information identification equipment in the described point-of-sale terminal, also comprises the non-card reader that connects in the described point-of-sale terminal.
Further, described communication module is Modem, ethernet communication module, GPRS communication module, cdma communication module or 3G communication module.
Further, described point-of-sale terminal also is equipped with barcode scanner.
Beneficial effect: because this insurance products retail management system can support terminal is arranged on public places such as bank, also can carry by the sales force of insurance company and agency thereof, can make things convenient for individual and the client of family to buy insurance products, in time obtain the various risks guarantee; The point-of-sale terminal of unmanned class serves as the channel that insurance company carries out production marketing in public places, has reduced operating cost.The terminal of Attended mode class authenticates and authorizes by the card that contains operator's information that system provides, on flow process, significantly reduce operator's input content, by the most of professional backstage personnel participation that under the prerequisite that satisfies condition, need not of the risk control flow process of the built-in quantizating index analysis of system, reduce insurance company's overall operation cost, also saved the time cost that the consumer waits for simultaneously.Simultaneously because the utility model insurance products retail management required for protection system; all kinds of communications, network, computer technology are incorporated in the station terminal; utilize multiple transmission modes such as Wireless/wired; dock with insurance company operation system, bank settlement network etc., thereby finish the function such as identification, insurance products real-time price quotations, bank card identification, payment transaction of various subject matter insureds.Unattended point-of-sale terminal is that with existing other automatic vending machine is different at present it has taken into full account the singularity and the supervision requirement of marketing insurance product on internal process, realized the marketing function of various insurance products.And on cost, be low than existing P C+POS sales mode cost also, simultaneously, system mainly carries out communication by wireless connections patterns such as GPRS, and laying of terminal is very flexible, and communications cost is also lower.
Description of drawings
The utility model is described in further detail below in conjunction with accompanying drawing.
Fig. 1 is the system architecture figure of insurance products self-help selling machine.
Fig. 2 is a kind of synoptic diagram of hand-held.
Fig. 3 is a kind of synoptic diagram of unmanned class Possum.
Reference numeral: 1, touch-screen 2, code keypad 3, magnetic stripe card card reader 4, IC-card card reader 5, the non-card reader 6 that connects is printed outlet 7 with bar, built-in GPRS/CDMA/3G communication module 8, with the communication interface 9 of other peripheral hardwares, the cassette declaration form is printed outlet 10, and insurance slip is printed outlet, 11, the China second-generation identity card reader.
Embodiment
Shown in the 1-3, insurance products retail management system comprises insurance products point-of-sale terminal, system management platform in conjunction with the accompanying drawings, links to each other with bank card clearance background system with public information platform by insurance company's background system.
Wherein, point-of-sale terminal is connected with insurance company background system two-way communication with bank card clearance background system respectively by system management platform by the communication module that is built in wherein, and insurance company's background system communicates to connect by network and public information platform; The insurance products point-of-sale terminal is by calculating main equipment, communication module 7, touch-screen 1, paying the fees and form with functional modules such as bar printer 6, business voucher printer, code keypad 2, IC-card card reader 4, magnetic stripe card card reader 3, I.D. card reader 11; Communication module is connected with the calculating main equipment by RJ45 network interface/serial ports, calculate main equipment by serial ports respectively with IC-card card reader 9, magnetic stripe card card reader 8, paying the fees is connected with bar printer, code keypad 3, I.D. card reader 4 is connected with the calculating main equipment by serial ports/USB interface, and the business voucher printer is by serial ports/network interface and calculating main equipment; Described touch-screen 2, code keypad 3 and I.D. card reader 4 are embedded in automatic teller machine housing front, are respectively equipped with business voucher printer voucher on the automatic teller machine and print outlet 6 and pay the fees with the bar printer with bar printing outlet 5; When adopting the integrated financial payment terminal of selling on the market, above-mentioned these functional modules can be incorporated in the handheld device of a compactness as shown in the drawing.Be a kind of hand-held wireless point-of-sale terminal synoptic diagram in the accompanying drawing, obviously also can adopt similar wired point-of-sale terminal to finish same function.
Described public information platform comprises Traffic Administration Bureau's information platform, tax information platform and trade information platform etc.Described communication module is ethernet communication module, GPRS communication module, cdma communication module or 3G communication module.Described calculating main equipment is made up of the equipment that POS machine terminal or PC etc. have calculating and logic determines ability.
This insurance products of explanation in conjunction with the accompanying drawings retail trade system course of work.
If the Attended mode kind equipment by having the employee job card identifying operation person information of magnetic stripe/bar code, can comprise operator/home service person/relevant department/information such as ownership channel in this card.Wherein, operator message is that Ka Neibi contains information, other information can be sky according to employee's type, and by follow-up by manually filling in, the advantage of this mode is both to have supported similar commission merchant only to handle the pattern of himself business, also supports the employee of insurance company self need handle the pattern of various channel business.But can realize function at terminal binding operation service person.Simultaneously, the backstage is provided for the logical expression of rights management and risk judgement according to operator role or specified rule.
The user imports the business information such as target information that need insure, if the insurance products of buying needs other resources of insurance company's background system to confirm target or price alternately, then query requests is mail to insurance company's background system, coordinate related resource by insurance company's background system information is returned by communication module.For example: buy motor vehicle insurance, the client at first can determine the key message of vehicle by touch-screen input license plate number/number plate kind etc., insurance products self-help selling automatic teller machine is sent to insurance company's background system with information and inquires about, insurance company's background system can be according to information of vehicles to the public information platform details/history of the enquiring vehicle record/tax information etc. that is in danger respectively, after importing all business information, the logical expression that terminal is obtained when combination is landed according to quantizating index judges whether to belong to declinatures the class business, if belong to then directly prompting and termination transaction; Then judge whether and to protect by professional from kinetonucleus, if satisfy condition, then can point out the user directly to pay by bank card, if do not satisfy, then insurance application information is delivered to insurance company's operation system by system management platform and wait for artificial treatment, simultaneously relationship trading ID is kept in by interface.
Follow-uply can pending transaction id be delivered to backstage query processing result, if treated passing through then can be paid the fees by the correlation function key.If manual examination and verification can not be passed through, then transaction stops.
At the cassette insurance products, can be by on insurance card, printing magnetic stripe/bar code, read or manually import card number by card reader or barcode scanner, by terminal card number is delivered to the backstage, this card amount of money is fed back on the backstage, and then brushes bank card by the consumer and pay the fees, and the backstage is delivered to together with the unification of sales force's information in the success back, the backstage is changed to the card state and sells, and simultaneously the later stage statistics is convenient in relevant performance information record.
Pay the fees printing after finishing with bar, with bar comprise Transaction Information summary and crucial ID bar code in case the follow-up declaration form that on other equipment, continues to finish easily print.Also can directly be connected printer by modes such as communication interface 8 on the terminal and miscellaneous equipment or bluetooths and print, the document system that also needs system and insurance company under this pattern is by the interactive interfacing relevant information.
If unattended self-service equipment,, then only support to need not the sale of products such as transaction that the artificial nucleus protects and benefit policy, insurance card because the real-time of transaction has relatively high expectations.At first, import the target information that to insure by the consumer, if the insurance products of buying needs other resources of insurance company's background system to confirm target or price alternately, then query requests is mail to insurance company's background system, coordinate related resource by insurance company's background system information is returned by communication module.For example: buy motor vehicle insurance, the client at first can determine the key message of vehicle by touch-screen input license plate number/number plate kind etc., insurance products self-help selling automatic teller machine is sent to insurance company's background system with information and inquires about, insurance company's background system can be according to information of vehicles to the public information platform details/history of the enquiring vehicle record/tax information etc. that is in danger respectively, then again these information are returned to insurance products self-help selling automatic teller machine, the client can retrieve relevant information, confirm errorless after, the client selects oneself to wish the product of purchase in the products catalogue that insurance products self-help selling automatic teller machine is listed, after selection finishes, insurance products self-help selling automatic teller machine can calculate the premium that need pay, by the client confirm errorless back input some for the indispensable business information of insurance transaction such as insurant's name/identity card number etc., use for the ease of the consumer, point-of-sale terminal provides touch-screen to add directly handwriting input Chinese and English information of handwriting recognition software specially, can also read relevant information automatically by I.D. card reader 11 if the consumer has carried second generation I.D..Prompting client swipe the card (can use magnetic stripe card also can use IC-card), import passwords by the code keypad of encrypting 2 then, insurance products self-help selling automatic teller machine is sent to the transaction of withholing of bank interchanger backstage after with card number/password/information encryptions such as the amount of money, if withhold successfully, then can confirm this transaction success to insurance company's background system by insurance products self-help selling automatic teller machine, withhold with bar with the bar printer prints by paying the fees simultaneously, some insurance products can IMU be crossed the interior business vouchers such as voucher printer prints declaration form/invoice of machine.
Simultaneously,, can realize easily that system of real name sells products such as similar aviation passenger accident insurance, public transport accident insurance,, directly obtain key business informations such as Flight Information such as retail trade system is connected with the aviation Ticketing and Reservation System in conjunction with social information's platform.
Printing device can't be printed whole vouchers in, the machine complicated as fruit product, then prints voucher and dispensing or print service is provided in addition by the insurance company backstage is unified.So far, the transaction of an insurance business finishes.
System simultaneously can number realize that pattern that order pays the fees is to realize that existing insurance company operation system goes out single back and goes to Possum to carry out paying the fees of declaration form by the business personnel voluntarily by terminal or consumer by the retrieval key business.
In addition, in order to satisfy the needs of actual operation, in conjunction with the actual Adjustment System function in time in market, reduce the entire system O﹠M cost, system management platform provides relevant management function simultaneously.System can at certain specific terminal device or all terminal from backstage forward end terminal push products.And, each equipment all has unique device id in system, all comprise device id and program version number in the mutual each time information, when the discontented full border of the program of the current operation of equipment needed, system can stop current business automatically and force it to be updated to the program version that meets the demands.Simultaneously, terminal does not have timely situation about regaining after certain device losses or appearance and cooperation agency termination cooperation, and system can stop its transaction qualification from the backstage, even can send format and instruct all programs deletions of its inside.In addition, because the operator need use corresponding card to carry out authentication, system also can cancel its trading privilege at personnel after personnel leave office or stop with agent collaborative.
Native system has following characteristics:
1. rigorous authenticated/authorized system, can fully satisfy insurance company self and supervision for insurance self personnel/agency and sales personnel for the operating right of system and the management of using for terminal;
2. efficient marketing efficiency reaches by reducing manual entry and system check reduction error rate and reduces the processing cost of bringing thus;
3. reduce a line sales force competency profiling by the intellectuality of system, and then reduce human cost;
4. can support unattended self-help sales terminal, also can support the ordinary terminal on duty by the sales force;
5. abundant product type can realize the sale of automobile insurance, benefit policy, cassette declaration form even policy;
6. the fund of electronization collects, and can realize that national single-point fund collects, and intelligentized reconciliation functions reduces rear end financial process cost;
System can be automatically by for the quantification treatment of business information and in conjunction with the mandate for operating personnel determine concrete business whether automatically underwriting by or need manual examination and verification, or directly declinature.
Claims (6)
1. insurance products retail management system, comprise insurance products point-of-sale terminal, system management platform, this system and insurance company's background system, public information platform and bank's interchanger background system collaborative work, it is characterized in that: the insurance products point-of-sale terminal is connected with insurance company background system two-way communication with bank interchanger background system respectively via system management platform by the communication module that is built in wherein, and insurance company's background system communicates to connect by internet and public information platform.
2. insurance products retail management according to claim 1 system is characterized in that: but the insurance products point-of-sale terminal is by calculating main equipment, communication module, touch-screen, paying the fees and form with the automatic teller machine housing of bar printer, business voucher printer, code keypad, IC-card card reader, magnetic stripe card card reader, I.D. card reader and each equipment of embedded with safety product self-help selling automatic teller machine.
3. insurance products retail management according to claim 1 system is characterized in that: the portable terminal that this point-of-sale terminal is integrated.
4. insurance products retail management according to claim 2 system, it is characterized in that: calculate main equipment in the described point-of-sale terminal and form by PC or POS machine terminal, touch-screen is the touch-screen with end message demonstration and input information identification equipment in the described point-of-sale terminal, also comprises the non-card reader that connects in the described point-of-sale terminal.
5. according to the insurance products retail management system described in claim 1 or 2, it is characterized in that: described communication module is Modem, ethernet communication module, GPRS communication module, cdma communication module or 3G communication module.
6. according to arbitrary described insurance products retail management system among the claim 1-4, it is characterized in that: described point-of-sale terminal also is equipped with barcode scanner.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010205748995U CN201886559U (en) | 2010-10-25 | 2010-10-25 | Retail management system for insurance products |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010205748995U CN201886559U (en) | 2010-10-25 | 2010-10-25 | Retail management system for insurance products |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201886559U true CN201886559U (en) | 2011-06-29 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010205748995U Expired - Fee Related CN201886559U (en) | 2010-10-25 | 2010-10-25 | Retail management system for insurance products |
Country Status (1)
| Country | Link |
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| CN (1) | CN201886559U (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103744050A (en) * | 2014-01-23 | 2014-04-23 | 国家电网公司 | Field detection device of intelligent electric energy meter |
| CN104063966A (en) * | 2013-03-22 | 2014-09-24 | 中国太平洋人寿保险股份有限公司 | Intelligent mobile insurance sales service platform and service flow realizing method |
| TWI556183B (en) * | 2011-09-16 | 2016-11-01 | American Internat Assurance Company Ltd | Based on the cloud operation of the insurance contract operating system, operating methods and business management tools |
| CN107871229A (en) * | 2016-09-28 | 2018-04-03 | 平安科技（深圳）有限公司 | The method and apparatus for controlling the generation of premium notice list |
| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, device, equipment and readable storage medium |
-
2010
- 2010-10-25 CN CN2010205748995U patent/CN201886559U/en not_active Expired - Fee Related
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI556183B (en) * | 2011-09-16 | 2016-11-01 | American Internat Assurance Company Ltd | Based on the cloud operation of the insurance contract operating system, operating methods and business management tools |
| CN104063966A (en) * | 2013-03-22 | 2014-09-24 | 中国太平洋人寿保险股份有限公司 | Intelligent mobile insurance sales service platform and service flow realizing method |
| CN103744050A (en) * | 2014-01-23 | 2014-04-23 | 国家电网公司 | Field detection device of intelligent electric energy meter |
| CN107871229A (en) * | 2016-09-28 | 2018-04-03 | 平安科技（深圳）有限公司 | The method and apparatus for controlling the generation of premium notice list |
| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, device, equipment and readable storage medium |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20110629 Termination date: 20151025 |
|
| EXPY | Termination of patent right or utility model |