TW202001756A - Integrated service method for online property insurance services - Google Patents

Abstract

Embodiments disclose an integrated service method for online property insurance services, a service platform communicating with an insurance provider terminal and an insurance client terminal, and a third-party authority terminal communicating with the service platform, the insurance provider terminal and the insurance client terminal. The service platform receives a first insurance policy including a first set of information, searches for a claim record related to the first set of information, computes a risk factor and insurance premium, and selects at least one insurance recommendation message. The insurance client terminal chooses the insurance recommendation message and sends electronic signature data to the third-party authority terminal. The disclosed embodiments provide online product services to multiple property insurance companies via one single service platform and build one single database on the platform to centralize the management and administration of the insured properties.

Description

Integrated online service method for product insurance

The present invention relates to a service method that can simultaneously conduct product search, comparison, insurance, electronic signing, certification, premium payment, claim settlement, and property and household ownership of multiple insurance companies' product insurance online.

In the early stages of product insurance, the insurance salesperson and the insurer must negotiate face-to-face and provide a written insurance trial balance for the insured to understand the insurance content. When the insurance-related content is determined, a written contract must also be signed and paid back to the insurance company. The insurance company will then send the insurance policy to the insured to take effect. Such an insurance procedure is too long, not only time-consuming and wasteful of manpower, but also slow in terms of timeliness, and cannot achieve the effect of immediate insurance.

Therefore, there is the patent case of invention No. I460674 "Method of contracting insurance contracts through mobile devices, changing insurance information of policyholders, conducting insurance claims and handling insurance business" announced on November 11, 103, which discloses: A method for processing insurance business through a mobile device, the method includes the following steps: (a) providing an insurance business document on the mobile device; (b) receiving a guarantor data from the mobile device or providing a guarantor data to The mobile device; (c) receiving an electronic signature of the insured through the mobile device and confirming the correctness of the data in the insurance business document; and (d) sending a confirmation to the mobile device or a designated mobile device of the insured Information on the validity of the insurance business document. Thereby, a mobile device can be used to quickly, timely and effectively set insurance contracts, change insurance information and settle insurance claims.

Although the previous case of this patent uses a mobile device to achieve the effect of rapid insurance. But the object of its insurance is limited to a single insurance company, so once you want to refer to the advantages and disadvantages of other insurance companies’ insurance products, you must log in to different insurance companies’ websites or APPs to search, browse, and compare. It is still a waste of time to produce the most suitable insurance products.

There is also a patent case for invention No. I556183 "Insurance contract operating system, operating method and business management tool based on cloud computing" announced on November 1, 105 of the Republic of China, which discloses: including an audit insurance server and a business Management tools. The audit insurance server is used to receive an electronic warranty document including an insurance document and an electronic signature and an e-mail mailbox, and check whether the electronic warranty document complies with an underwriting rule, and if so, generate an electronic insurance policy . The business management tool receives the to-be-protected data, the electronic signature, and the e-mail mailbox, and aggregates it into an electronic to-be-protected file with the to-be-protected data and the electronic signature, and then uses a communication unit to transmit the electronic to-be-protected file and the Email to the audit insurance server.

Although the previous case of the patent has the effect of quickly reviewing the insurance policy to speed up the completion of the insurance application process. However, it is impossible to search, browse and compare the insurance products of multiple insurance companies at the same time, and it is also necessary to log in to the websites of different insurance companies one by one, so it is difficult to achieve the effect of saving time and effort. Moreover, the policyholder adopts the online insurance method for the insurance company, but the policy review is only conducted by the insurance company alone, which lacks protection for the policyholder and makes it difficult to take into account the policyholder’s complete rights and interests. The online electronic signature of the insured cannot confirm whether it is effective. Both parties lack the certification and audit of a fair third party, so it is not ideal for use.

In addition, taking car insurance as an example, after the current product insurance company receives the insurance request from the insurer, if the insurer is not an existing insurer of the insurance company, the insurance company needs to first query the insurer's previous insurance through the external database. Record, to reasonably set a risk factor, used to calculate the premium. For insurance companies, to deal with the new insurance needs of these non-existing customers, the insurance company cannot grasp the risk coefficient in the first time, which will hinder the smoothness of the insurance process, extend the operation time of online insurance, and disadvantage the insurance company to attract new customers .

In addition, for online insurance, the online insurance policy must still be printed by the insured. After the signing or printing is completed, it will be returned to the insurance company in an electronic file or paper form to complete the insurance. A similar entity signing process Not only is it a waste of time, but also the lack of certification in the signing process.

In addition, there are many product insurance items, including auto insurance, travel insurance, fire insurance, marine insurance, engineering insurance, mountaineering comprehensive insurance, etc. Even though various insurance companies now provide electronic policy services to policyholders, they are currently limited to "one insurance" The "one insurance policy" method fails to provide a single insurance policy with a "cross-insurance" and "cross-insurance company" total household product insurance list or details, resulting in inconvenience for the insurer to manage product insurance.

Therefore, in view of the above-mentioned shortcomings of the currently known online insurance method. Therefore, the present invention provides an integrated online service method for product insurance, which includes: constructing a service platform connected to a plurality of insurance providers and a first database through a network, wherein the insurance providers At least one product insurance message is stored separately; at least one insurance purchase end is connected to the service platform through the network; a third-party authentication terminal is built to connect to the service platform and the insurance providers through the network And the insurance purchase end; the service platform accepts an insurance condition from the insurance purchase end, and the insurance condition includes a first information; the service platform searches a corresponding insurance record from the first database according to the first information , And calculate a risk factor accordingly; the service platform selects at least one recommended insurance message from the product insurance messages according to the insurance conditions; the service platform calculates the one or more recommended insurance messages based on the risk factor An insurance amount; the insurance purchaser selects a recommended insurance message from one or more recommended insurance messages, and sends an electronic signature information linking the selected insurance message to the third-party certification terminal and the selected insurance message Corresponding to the insurance provider and the service platform; the insurance purchaser pays an insurance fee to the insurance provider corresponding to the selected insurance message according to the insurance amount; the insurance provider provides a policy message to the service platform And the purchase end of the insurance.

The insurance purchaser further sends a claim request message to the service platform or the insurance provider. The insurance provider returns a claim result message to the insurance purchaser, and the claim result message is transmitted to the service platform.

The above first information system is one of the following: name, identity card number, passport number, company name or unified number.

The insurance purchase end mentioned above is to pay the insurance premium through electronic payment.

The insurance information of the product selected above is the same or similar to the insurance conditions.

The certification process of the above electronic signature information is that the insurance purchaser first logs in to the third-party certification terminal. After the login is successful, the insurance purchaser will send the electronic signature information it signed to the third party certification terminal. The third-party authentication terminal performs authentication, and the insurance purchaser performs an identity authentication to the third-party authentication terminal. After the authentication is completed, the corresponding insurance provider will send the recommended insurance message selected by the insurance purchaser to The third-party authentication terminal performs a policy content check. After verification, the third-party authentication terminal will send an authentication result to the service platform, the corresponding insurance provider, and the insurance purchaser, respectively.

The above insurance purchase end performs the identity authentication to the third-party authentication end through mobile phone message authentication, physiological information authentication, certificate authentication or image authentication.

The above service platform is also connected to a first storage unit through the network. The first storage unit stores a plurality of the policy information, and creates a big data of property insurance policy according to the policy information. The insurance purchaser sends the first storage unit. A message to the service platform, the service platform obtains the property insurance policy big data corresponding to the first information from the first storage unit according to the first information, and performs data calculation to produce a total return based on the property insurance policy big data List of household property insurance.

The above-mentioned service platform transmits the home-ownership property insurance list to the insurance purchaser corresponding to the first information.

The above first storage unit is one of the following types: centralized database, decentralized database or cloud database.

The above technical features have the following advantages:

1. Provide a single service platform on the Internet, through which any insurance purchaser can simultaneously collect all product insurance data "cross-insurance companies" to construct a brand-new service type of "one insurer against multiple insurance companies" . Each insurer can easily search and filter out the insurance products related to product insurance of different insurance companies through the service platform, and browse, compare and select the most suitable insurance products for insurance. And online to complete the electronic signing, payment of premiums, and even apply for claims and other procedures, in order to save manpower and time.

2. A single service platform can serve many different types of policyholders, such as individuals, legal persons, insurance agents, insurance brokers, car dealers, medieval car dealers, inspection factories, etc. For a single insurance company, even if these insurers are not existing customers, the insurance company will have the opportunity to make its own product insurance products contact these many insurers through the service platform interface of the present invention, forming a "one insurance company contacts more The structure of "more than existing customers" improves the exposure and transaction opportunities of product insurance products.

3. Provide a third-party authentication terminal, responsible for the electronic signing authentication process between the insurance provider (insurance company) and the insurance purchaser (insured), in order to protect the rights of both parties, and greatly shorten the process to be signed, so that Online insurance is faster and smoother.

4. The product insurance insured through the service platform of the present invention, its claim records will be transmitted to the service platform, the service platform can build a "risk record database" across insurance companies, so the first database of the present invention can be a risk record Database, compulsory insurance database or arbitrary insurance database, which is used as the basis for calculating the risk coefficient, so that after the insurance purchaser proposes the insurance conditions, the service platform can immediately integrate the products of various insurance companies based on the data of the first database For insurance products, the insurance premiums of various insurance companies are automatically converted in real time, so that insurance companies no longer need to waste resources to calculate premiums by themselves, but they still have the opportunity to win non-existing customers.

5. Through the service platform of the present invention, the insurance purchase end can obtain the product insurance list or details of the general households for "cross-insurance types" and "cross-insurance companies" to facilitate the management of product insurance under the name.

Please refer to the first and second figures. The embodiment of the present invention is a product insurance integrated online service method, including the following steps:

a. Build a service platform (1), the service platform (1) is connected to a plurality of insurance providers (3) and a first database (4) through a network (2), where these insurance providers (3) At least one product insurance message (31) is stored separately. The service platform (1) displays a webpage operation interface on the network (2) for connection operation after login. These insurance providers (3) can be insurance companies that provide product insurance or insurance units that can accept insurance. The product insurance message (31) can provide different insurance products for these insurance providers (3). As shown in the second figure, five different insurance providers A~E (3A), (3B), (3C), (3D) and (3E) are used as illustrations, and these insurance providers A~E The product insurance information (31) provided by E(3A), (3B), (3C), (3D) and (3E) uses car insurance as an illustration. Among them, the product insurance information (31) provided by the insurance provider A (3A) is: Type A car insurance A and type B car insurance A; the product insurance message (31) provided by the insurance provider B (3B) ) Is: Type B auto insurance B; the product insurance information (31) provided by the insurance provider C (3C) is: Type A auto insurance C and Type B auto insurance C; the insurance provider D (3D) provides The product insurance message (31) is: Type A car insurance D and type B car insurance D; the product insurance message (31) provided by the insurance provider E (3E) is: type B car insurance E; Home insurance provides various product insurance information (31) provided by terminals A~E (3A), (3B), (3C), (3D), and (3E). In addition to the above car insurance, product insurance may further include: injury Insurance, health insurance, travel insurance, fire insurance, marine insurance, earthquake insurance, engineering insurance, new types of insurance, micro-insurance, mountain climbing comprehensive insurance, vacation work insurance, specific activity insurance, or any combination thereof. Furthermore, the first database (4) may be an insurance record database, and the insurance record database includes: a compulsory insurance database (41) and an arbitrary insurance database (42), so as to gather all insured persons The insurance records of mandatory and optional insurance.

b. At least one insurance purchase end (5) is connected to the service platform (1) through the network (2). As shown in the second figure, the insurance purchase end (5) can be operated by a smartphone, personal computer or tablet. The insurance purchase end (5) includes: the insured (51), the channel (52) and the insurance agent channel (53). The insured person (51) is a general public who apply for insurance online. The channel (52) is for inspection factories, locomotive dealers, used car dealers, car dealers or agents. The insurance agent channel (53) is an insurance agent, insurance agent or insurance broker.

c. Build a third-party authentication terminal (6), connect to the service platform (1), the insurance providers (3) and the insurance purchaser (5) through the network (2). As shown in the second figure, the third-party authentication terminal (6) is an impartial unit independent of the service platform (1), the insurance providers (3) and the insurance purchaser (5), responsible for Review all electronically signed certification procedures between the insurance provider (3) and the insurance purchaser (5).

d. The service platform (1) accepts an insurance condition (54) from the insurance purchaser (5), and the insurance condition (54) includes a first piece of information (541). As shown in the third figure, the insurance purchaser (5) inputs the insurance conditions (54) including the first information (541) to the service platform (1) through the network (2). The insurance conditions (54) include one or any combination of insurance items, insurance amount, insurance period, premiums, and payment methods. For example, in the embodiment of the present invention, the insurance subject matter of the vehicle insurance is a vehicle, and the owner of the vehicle may be an individual or company line number, so the first information (541) contains the name and identity of the vehicle owner Identification number, passport number, company name or uniform number for information that can identify the owner of the vehicle. In the embodiment of the present invention, it is assumed that the content entered in the insurance condition (54) is that the insurance item is "Type A car insurance", and the first information (541) is the name "Zhang Datong".

e. The service platform (1) searches for a corresponding risk record from the first database (4) according to the first information (541), and calculates a risk coefficient (43) accordingly. As shown in the third figure, after receiving the insurance conditions (54) including the first information (541) input by the insurance purchasing terminal (5), the service platform (1) will be based on the first information ( 541) The content of the name "Zhang Datong" is obtained through the compulsory insurance database (41) and the arbitrary insurance database (42) of the first database (4), and the first information (541) The risk records of compulsory and optional risks insured by the vehicle whose name is "Zhang Datong", and the risk coefficient is calculated based on the risk records (43).

f. The service platform (1) selects at least one recommended insurance message (11) from the product insurance messages (31) according to the insurance conditions (54). As shown in the third figure, the service platform (1) can be based on the insurance conditions (54) entered by the insurance purchase end (5), from the insurance providers A~E (3A), (3B), (3C), (3D) and (3E) provide the product insurance information (31) selected the same or similar to the insurance conditions (54) of the product insurance information (31), and make it into the Insurance information is recommended (11). Since the content entered in the insurance condition (54) is that the insurance item is "Type A car insurance", and the first information (541) is the name "Zhang Datong", so if the filter meets the insurance condition (54), there are The insurance provider A (3A) provides Type A auto insurance A, the insurance provider C (3C) provides Type A auto insurance C and the insurance provider D (3D) provides Type A auto insurance D.

g. The service platform (1) calculates the insurance amount (12) of one of the one or more recommended insurance messages (11) based on the risk factor (43). As shown in the third figure, the service platform (1) calculates the risk coefficient (43) according to the above step e, and then multiplies the A-type auto insurance A, the A-type auto insurance C, the A-type auto insurance D, etc. Recommend the premium of the insurance message (11), and calculate the insurance amount (12) of the Type A car insurance A is "36000", the insurance amount of the Type A car insurance C (12) is "35000" and the Type A car insurance D The insurance amount (12) is "35500". Then the service platform (1) returns the insurance amount (12) of the recommended insurance message (11) to the insurance purchaser (5) for selection.

h. The insurance purchaser (5) selects one recommended insurance message (11) from one or more recommended insurance messages (11), and sends an electronic signature message (55) to the selected selected insurance message (11) to The third-party authentication terminal (6), the insurance provider (3) and the service platform (1) corresponding to the selected recommended insurance message (11). As shown in the fourth figure, in the embodiment of the present invention, it is assumed that the recommended insurance message (11) selected by the insurance purchaser (5) is the Type A car insurance C provided by the insurance provider C (3C), which If the insurance amount is "35000", you can electronically sign a policy by linking the selected insurance information (11) to form the electronic signature information (55), and return it to the third-party certification terminal ( 6). The insurance provider C (3C), the insurance provider (3) and the service platform (1).

The detailed authentication process of the third-party authentication terminal (6) for the electronic signature information (55) is shown in the seventh figure. The insurance purchase end (5) needs to first log in to the third-party authentication end (6) for identity registration (61). After the identity of the insurance purchaser (5) is successfully logged in, the insurance purchaser (5) will send the electronic signature information (55) signed by it to the third-party authentication terminal (6) for authentication. The insurance purchasing terminal (5) can perform identity authentication (62) to the third-party authentication terminal (6) through mobile phone message authentication, physiological information authentication, certificate authentication or image authentication. After the certification is completed, the corresponding insurance provider C (3C) will send the recommended insurance message selected by the insurance purchaser (5) to the third-party certification terminal (6) for policy content verification (63). After verification by the third-party authentication terminal (6), it will send an authentication result (64) to the service platform (1), the insurance provider C (3C) corresponding to the insurance provider (3) and The insurance purchase end (5) notifies the result after authentication separately.

i. The insurance purchaser (5) pays an insurance premium according to the insurance amount to the insurance provider (3) corresponding to the selected recommended insurance message (11). As shown in the fifth figure, the insurance purchasing terminal (5) is connected via the network (2), and the insurance premium is paid to the insurance providing terminal C (3C) through electronic payment (56).

J. The insurance provider (3) provides a policy message (32) to the service platform (1) and the insurance purchaser (5). As shown in the fifth figure, finally the insurance provider C (3C) of the insurance provider (3) transmits the policy message (32) to the service platform (1) and the insurance purchaser (5), Complete the insurance of the auto insurance.

As shown in the eighth figure, the insurance households of "cross-insurance types" and "cross-insurance companies" are established for different insurance purchase ends (5). Suppose that the insurance purchaser (5) insures "auto insurance" to the insurance provider A (3A) through the service platform (1), and "seismic insurance" to the insurance provider B (3B), and then insures the insurance Provide terminal C (3C) to insure "fire insurance". At the same time, these insurance providers A~C (3A), (3B), (3C) return the policy information (32) of the auto insurance, the earthquake insurance and the fire insurance to the insurance purchase end through the service platform (1) 5). The service platform (1) is also connected to a first storage unit (7) through the network (2). The first storage unit (7) stores the above policy information (32), and according to each Policy information (32) establishes a big data for property insurance policies (71). The first storage unit (7) is one of the following types: centralized database, decentralized database or cloud database. Now if the insurance purchase end (5) needs to obtain the product insurance list or details of the "cross-insurance" and "cross-insurance company" general households, the first information (541) containing the name can be sent to the service platform (1 ), the service platform (1) obtains the property insurance policy big data corresponding to the insurance purchase end (5) of the first information (541) from the first storage unit (7) according to the first information (541) (71), and data calculation (72), according to the big data of the P&C insurance policy (71), make a total home ownership P&C insurance list (73), and send it to the insurance purchase corresponding to the first information (541) End (5), so that the insurance purchase end (5) can obtain the product insurance list or details of the general households of the insurance "cross-insurance" and "cross-insurance company" to facilitate the management of product insurance under the name.

k. The insurance purchaser (5) further sends a claim request message (57) to the service platform (1) or the insurance provider (5), and the insurance provider (3) replies a claim result message (33) to The insurance purchase end (5) and the settlement result message (33) are transmitted to the service platform (1). As shown in the sixth figure, during the effective period of the insurance of the car insurance, when the insurance purchaser (5) needs to apply for an insurance claim, it can send a one through the service platform (1) or directly to the insurance provider (5) Claim request message (57), the claim request message (57) contains insurance information and related proof of insurance. After review, the insurance provider (3) will reply the claim result message (33) containing the claim approved or rejected to the insurance purchaser (5), and send the claim result message (33) to the service The platform (1) keeps an inspection to inform the insurance purchase end (5) of the audit result.

Based on the description of the above embodiments, the operation, use and effects of the present invention can be fully understood. However, the above-mentioned embodiments are only preferred embodiments of the present invention, and cannot be used to limit the implementation of the present invention. The scope, that is, simple equivalent changes and modifications made in accordance with the scope of the present invention's patent application and the description of the invention, is within the scope of the present invention.

(1) ‧‧‧ service platform (11) ‧‧‧ recommended insurance information (12) ‧‧‧ insurance amount (2) ‧‧‧ network (3) ‧‧‧ insurance provider (3A) ‧‧‧ insurance provision Terminal A(3B)‧‧‧ Insurance provider B(3C)‧‧‧ Insurance provider C(3D)‧‧‧ Insurance provider D(3E)‧‧‧ Insurance provider E(31)‧‧‧Product insurance Information (32) ‧‧‧ Policy information (33) ‧‧‧ Claim result information (4) ‧‧‧ First database (41) ‧‧‧ Compulsory insurance database (42) ‧‧‧ Arbitrary insurance database (43 )‧‧‧Risk coefficient (5)‧‧‧ Insurance purchase end (51) ‧‧‧ Insured (52) ‧‧‧ access (53) ‧‧‧Insurance channel (54) ‧‧‧ Insurance conditions ( 541)‧‧‧First information (55)‧‧‧Electronic signature information (56)‧‧‧Electronic payment (57)‧‧‧Claims request message (6)‧‧‧Third party authentication terminal (61)‧‧‧ Identity registration (62)‧‧‧Identity certification (63)‧‧‧ Policy content check (64)‧‧‧Authentication result (7)‧‧‧‧First storage unit (71)‧‧‧Plant insurance policy big data (72 )‧‧‧Data calculation (73)‧‧‧Home-owned property insurance list

[Figure 1] is a flow chart of steps of an integrated online service method for product insurance according to an embodiment of the present invention.

[Second figure] is a schematic configuration diagram of an integrated online service method for product insurance according to an embodiment of the present invention.

[Third figure] is a flowchart of online insurance according to an embodiment of the present invention.

[Fourth figure] is a flowchart of selecting recommended insurance information according to an embodiment of the present invention.

[Fifth figure] is a flowchart of electronic payment and policy message transmission according to an embodiment of the present invention.

[Sixth figure] is a flow chart of claim settlement according to an embodiment of the present invention.

[Seventh figure] is a flowchart of electronic signature information authentication according to an embodiment of the present invention.

[Figure 8] is a flow chart of establishing an insurance home ownership according to an embodiment of the present invention.

Claims (10)

An integrated online service method for product insurance, including the following steps: Build a service platform, the service platform is connected to a plurality of insurance providers and a first database through a network, wherein the insurance providers are stored respectively At least one product insurance message; at least one insurance purchase end, connected to the service platform through the network; building a third-party authentication end, connected to the service platform, the insurance providers, and the insurance through the network Purchase end; the service platform accepts an insurance condition from the insurance purchase end, which includes a first piece of information; the service platform searches for a corresponding insurance record from the first database based on the first information, and according to To calculate a risk factor; the service platform selects at least one recommended insurance message from the product insurance messages according to the insurance conditions; the service platform calculates the insurance amount of one or more of the recommended insurance messages based on the risk factor ; The insurance purchaser selects a recommended insurance message from one or more recommended insurance messages, and sends an electronic signature message linking the selected insurance message to the third-party authentication terminal and the corresponding selected selected insurance message The insurance provider and the service platform; the insurance purchaser pays an insurance premium to the insurance provider corresponding to the selected insurance message according to the insurance amount; the insurance provider provides a policy message to the service platform and the insurance Purchase side. The integrated online service method of product insurance as described in item 1 of the patent scope, wherein the insurance purchaser further sends a claim request message to the service platform or the insurance provider, and the insurance provider responds to a claim result message to At the insurance purchase end, the claim settlement result message is transmitted to the service platform. For example, the integrated online service method of product insurance as described in item 1 of the scope of patent application, wherein the first information is one of the following: name, ID number, passport number, company name or unified number. The integrated online service method for product insurance as described in item 1 of the patent application scope, wherein the insurance purchaser pays the insurance premium through electronic payment. The integrated online service method for product insurance as described in item 1 of the patent application scope, wherein the selected product insurance information is the same or similar to the insurance conditions. The integrated online service method of product insurance as described in item 1 of the scope of patent application, in which the certification process of the electronic signature information is for the insurance purchaser to first log in to the third-party certification terminal, after the login is successful , The insurance purchase end will send the electronic signature information it signed to the third-party authentication end for authentication, and the insurance purchase end will perform an identity authentication to the third-party authentication end. After the authentication is completed, the corresponding The insurance provider will send the recommended insurance message selected by the insurance purchaser to the third-party certification terminal for a policy content check. After verification, the third-party certification terminal will send a certification result to the The service platform, the corresponding insurance provider and the insurance purchaser. The integrated online service method of product insurance as described in item 6 of the patent application scope, wherein the insurance purchase end carries out the process to the third-party authentication end through mobile phone message authentication, physiological information authentication, certificate authentication or image authentication Identity verification. The integrated online service method for product insurance as described in item 1 of the patent scope, wherein the service platform is additionally connected to a first storage unit through the network, the first storage unit stores a plurality of the policy information, and according to The policy information creates a property insurance policy big data, the insurance purchaser sends the first information to the service platform, and the service platform obtains the product corresponding to the first information from the first storage unit according to the first information Insurance policy big data, and data calculation, according to the property insurance policy big data to make a total household property insurance list. The integrated online service method for product insurance as described in item 8 of the patent application scope, wherein the service platform transmits the total household property insurance list to the insurance purchase end corresponding to the first information. The integrated online service method for product insurance as described in item 8 of the patent application scope, wherein the first storage unit is one of the following types: centralized database, decentralized database, or cloud database.

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