TW505875B - Buying insurance method through network - Google Patents

Abstract

The invention relates to a buying insurance method over network (1), in particular a spreadsheet method for buying insurance through network. It uses network system to present features of the products of all insurance companies, allowing customer to have the best insurance planning, which includes the following procedures: beginning with a spreadsheet to input information pertaining to insurance charge in terms of different insurance products selected by the customer; finishing the spreadsheet and providing insurance products by using the network system to analyze the input data, search database and display the search result in form of comparison table for customer's selection; automatically filling out issuing contents by the network system in accordance with the customer basic information and payment way; and automatically generating insurance policy for customer to print name and sign by the network system without requiring manually filling any information; and the network system automatically issuing the gratitude letter.

Description

505875 V. Description of the invention α) [Field of the invention] The present invention relates to a kind of website, which presents various ways to plan insurance products through a website. [Related technology says that the insurance company ’s insurance products are used to test the insurance company ’s online insurance transactions (calculation methods, especially through the characteristics of the product, and exposed to allow consumers to), especially compared to the Internet The most comprehensive analysis of the current general sales is done. Most people buy the insurance product and the insurance product. There is a relatively complicated solution. The main original protection scope is also the case. Therefore, it is necessary to use various insurances to make consumption. Those who only need insurance products, their services 1. Purchase including corporate insurance, the characteristics of the Internet-based premium trial calculation and search for information] Most insurance products are due to the product, but the content is mixed because the insurance varies, it is difficult to find the relevant insurance. The company's database of online service projects and trial auto insurance methods, the database, products, humane, practical and characteristic industry knowledge insurance company fun 'guarantee station on the true site, there are roughly: its department, After the locomotive is presented, most of the Internet search will be under pressure, and if the information is not sold, the risk should be reduced to the business or the customer and the insurance. The general sales insurance is difficult to collect the demand. The business person who buys the goods for the customer is not really the product. The insurance product set is unavailable. It's easy enough for many geographies, and its analysis compares products. As shown in Figure 1, the households make a comprehensive comparison, buy cheap and affordable insurance companies, insurance companies, insurance, travel insurance, cancer treatment customers choose insurance road system and automatically analyze the results to compare the table insurance Category (including illness insurance, etc.) and the input of the input and the presentation of the input '

Page 4 505875 V. Description of the invention (2) For the customer to choose to fill in the content of the book to be protected 2. Management of insurance secret information, records, policy purchases to remind customers at any time 3. Claims Chinese style guide customers to fill in progress and results inquiry 4 . In addition to the consumption value of high-value goods, also exchange products for children, in addition, also includes services, but in which the customer as a preliminary insurance company insurance product inventors have the view of this [Summary of the invention] The main trial method of the present invention will guarantee Mechanism, which enables the purchase of special insurance products of another insurance product of the present invention at a reasonable price and an automatic book based on the basic information entered by the customer: it is the heart that includes customer records and insurance policy information: it is the replacement of information and claims Point: The point accumulation of outstanding stock fees has included the company's "purchasing insurance plan," which can be improved. After not confirming that the customer has set a single single payment record status. After confirming the customer, the customer can apply for enquiries and records, and customers can choose to inquire when purchasing tickets. "Introduction, subscription and trial calculation" and more in line with the customer's online research and test. The purpose is to provide an insurance expert's knowledge into an insurance product that everyone can like insurance. One purpose is to use the Internet to make insurance accounts and inquire policy trials for customers after no one has interfered with their status, and automatically use e-mail status to pay for questions and answers. In addition, it also includes the recommendation of a claims adjuster. When you buy insurance, you can redeem it, including accumulative consumption points, e-newsletters, and insurance quizzes. The most important items are because they can replace the wishes of customers at various insurance stations. Therefore, this invention was originally created by this invention. As insurance experts who can understand the general public who purchase insurance through the website, they can easily present the various insurance public information in an open environment.

Page 5 505875 The most accurate and accurate statement of the purpose of the analysis is to use the Internet to calculate the starting insurance, the trial fare of the auto fare, the intention to pay, submit the trial calculation and search the customer to write insurance materials (such as address cards ) The self-insured customer prints out electronically to the customer and customer. 5. The invention description (3) Consumers can use the invention to compare the scores and make the best trial calculation method. Let the customer 8. Try for example: corporate insurance ) Input and warranty and disability insurance are doubled to b. Complete the input of the poor materials to be presented for c. Fill in the customer ’s basic assets, date of birth transfer or credit d. Send and generate for the passenger road system to automatically e. The purpose of good insurance regulations is to choose insurance products online. The road lifting system of the present invention presents the most complete insurance, which is based on car insurance, medical related medical equipment, travel insurance and insurance search database. Select the content of the insurer, such as: name, body, etc.) Fill in the insurance letter and signature, and sign the payment form, and verify the progress without guarantee by mail. Draw. The system automatically makes a complete plan through various insurance public insurance plans. The car insurance, travel (such as travel insurance, travel time and place products) selected by the company should be search results. The network system root Certificate number, method (such as: book content; the network must be manually sent a thank you letter, the network is disclosed according to the needs of consumers, allowing consumers to purchase insurance products on the website of the company ’s insurance products include the following steps : The same types of insurance (travel insurance, cancer insurance and other insurances need to enter accidental inconvenience protection, aircraft, etc.); the network system analyzes the e-mail box, gender postal transfer, ATM system according to the customer's input in a comparison table. Fill in the information of the guarantee letter automatically.

Page 6 505875 V. Description of the invention (4) Among them, the above link and the use record of a servo-type, registration program, [the invention is described in detail for detailed disclosure. Figure 1 shows: 1. After purchasing, including corporate insurance, the characteristics of online insurance premium trial calculation and search for funds for the customer to choose to fill in the insurance policy 2. Management records of insurance information, early warning to remind customers 3 . Claims type guide customers to fill in the progress and result check 4. The online terminal mentioned above for the consumption of high-value goods; The insurance and return insurance product descriptions] The present invention shows the insurance network and trial calculation: auto insurance After the data warehouse, will hold the contents of insurance products. Secretary: It includes the purchase record and policy data center: it writes information for inquiries and claims accumulation points: there is also a high-performance system at least server-side at least, search database, and the following stations do not intend that it is the current locomotive insurance , Hospitality, the Internet is the search result, and according to the system to confirm the customer set the policy payment status. Department is confirming. Applying for client's record inquiry. Providing client stock can include client network. Including: operator webpage, trial calculation program, client database, client guarantee database. An embodiment is detailed in conjunction with the drawings. The service items of this website are generally insurance companies' insurance categories (packages, travel insurance, cancer insurance, etc.). The user selects the insurance category and enters the unified and automatic analysis of the input information to compare tables. The method is presented. After the basic information entered by the client is used to automatically identify the client, the client will make a personal account and query the policy trial records for the client. After automatically e-mailing the client's identity, he will ask for compensation by asking questions and answers. Wait. When you buy insurance, you can change options, including accumulative consumption points

Page 7 505875 V. Description of the invention (5), exchange of goods, inquiry of consumption points, etc. In addition, it also includes services such as company profile, newsletter subscription and insurance quiz. Figure 2 shows a schematic diagram of the network system of the present invention. The network system includes at least: a client 100, a network link 300, and a server 200; the server 200 includes at least: the operator's web page 2 10, trial calculation Program 2 2 0, registration program 230, return program 240, retrieval program 250, customer database 260, customer use record 2 7 0, insurance product database 2 8 0, and insurance policy database 2 9 0 ° Figure 3 The flowchart of the present invention is shown. The present invention presents the characteristics of insurance products of various insurance companies in a network system, so that customers can make the most comprehensive insurance planning. It includes the following steps: Step 4 10 is the start of trial calculation. Choose different insurance types (such as: corporate insurance, auto insurance, locomotive insurance, travel insurance, cancer insurance, etc.) Enter information related to the trial of premiums (such as · Travel insurance needs to enter accidental death and disability insurance, accident Injury medical insurance, travel inconvenience protection, aircraft safety double pay, transportation, travel time and place, etc.); Step 4 2 0 is to complete the trial calculation and provide insurance products, which is analyzed by the network system After entering the data and searching the database, the search results are presented in the form of a comparison table for the customer to choose insurance products; Step 4 30 is to fill in the insurance content, which is based on the customer's basic data entered by the customer ( Such as: name, ID card number, e-mail address, gender, date of birth, address, etc.) and payment methods (such as postal transfer, ATM transfer or credit card). The signature is that the network system will automatically generate the warranty and provide it to the customer

Page 8 505875 V. Description of the invention (6) Printing and signing, no need to fill in the information manually, the network system automatically sends a thank you letter by email; Step 450 is to inform the customer of the progress of the underwriting 'is the network The system automatically sends an electronic letter to inform the customer of the underwriting progress. Figure 4 shows a detailed flowchart of the embodiment of the present invention. The server end of the network system 2 0 displays different types of insurance (such as: corporate insurance, automobile Insurance, locomotive insurance, travel insurance, cancer insurance, etc.) for customers to choose by the client 100 through the browser u〇 (such as step 501);

After selection, the server 2000 will automatically display different trial premium input fields and related information according to the insurance type selected by the client (eg, travel insurance needs to enter accidental death and disability insurance amount, accidental injury medical insurance Amount, travel inconvenience protection, aircraft safety double pay, transportation, etc.) on the operator's website 210 (such as step 502); the customer enters the customer's relevant premium trial calculation information and customer information through the instructions of the operator's website | 2 10丄 2 (such as & name, ID card number, e-mail address, gender, date of birth, address, etc.) and payment method #, ,,, ^ (such as postal transfer, ATM transfer or credit card

, Retrieve Program 25. Automatically search the insurance products at 22 ° and complete the test according to the foregoing information. The conditions of the results are assured (stay as dangerous cattle goods warehouse 280 as the previous test ^ the difference between each insurance product step 504), and automatically compare Select (such as step 5 0 5). Customers; ^ Comparison table is presented for customers ^ After the insurance products selected by the customer (such as Niu Su " after selection, the civic end 2 0 0 receives whether the customer is an existing customer (such as steps 0, 6). , From the customer database 2 60 to determine the customer records 120 to the customer —, right no, then a master program 230 words, poor material library 2 6 0 (such as step 5 0 8); if yes

505875 V. Description of the invention (7) 'The customer's usage record 2 70 displays the customer's previous usage record; then the server 20 retrieves the required security certificate from the security certificate database 290 and automatically fills in the security certificate. The content is returned by the return program 240 to the client 100 for printing and signature by the client (step 509). Then the server 200 automatically sends an electronic letter to the client's 100 browser 〇 Thanks to the customer (such as step 20) > idHr sends the required insurance letter to the insurance company κ life insurance company underwriting R \, 0 Record the required insurance data to the customer database 2 6 0 (as in the step: check the crying ΐηί server 200 automatically send an electronic letter to the client 100 to know the progress of the customer's underwriting, and it is available to the customer Use the user ’s progress (such as steps; 1 = 300 via the Internet connection to the server 20 0 to check the underwriting summary), the method of π trial calculation, #a feature provided by this month to purchase insurance through the website, and Through the Internet, presenting insurance products of various insurance companies allows consumers to fully disclose the insurance products in 2 ways. The U-law has applied for it, please be green, the reviewing committee will review it in detail, and pray for early approval. The patent is the most sensitive one. The detailed description of the limit of examination is that the above mentioned ones should not be various. Those who are familiar with the skill should be within the scope and scope. Variations should be included in this book. The essence of invention

505875 Brief description of the diagram [Simplified description of the diagram] Figure 1 shows a schematic diagram of the insurance website of the present invention; Figure 2 shows a schematic diagram of the website system of the present invention; Figure 3 shows a flowchart of the present invention; Figure 4 shows a detailed process of the embodiment of the present invention Figure; [Main component number] 100 Client 110 Browser 120 Customer data 2 0 0 Server 210 Supplier webpage 2 2 0 Trial program 2 3 0 Registration program 240 Return program 2 5 0 Search program 2 6 0 Customer database 2 7 0 Customer usage history 2 8 0 Insurance product database 2 9 0 Insurance policy database 30 0 Internet link

Page 11

Claims (1)

505875 VI. Scope of patent application 1. A trial calculation method for purchasing insurance through a website, which presents the characteristics of insurance products of various insurance companies through a network system, so that customers can make the most comprehensive insurance planning, which includes the following steps: a. Trial calculation At the beginning, the customer entered the data related to the premium test according to the different insurance types he selected; b. The trial calculation was completed and the insurance product was provided. After the network system analyzed the input data and searched the database, the search results were compared The form is presented for the customer to choose insurance products; c. Fill in the insurance content, the network system automatically fills in the content of the insurance letter based on the customer's basic information and payment method entered by the customer; d. Submit the insurance letter and The signature is that the online system will automatically generate the certificate of guarantee for customers to print and sign. There is no need to fill in the information manually. The online system will automatically send a thank you letter by email. 2. The method described in item 1 of the scope of patent application, wherein step (d) further includes the following steps: e. Notifying the client of the underwriting progress, the network system automatically sends an electronic letter to inform the client of the underwriting progress. 3. The method as described in item 1 of the scope of patent application, wherein the network system includes at least: a client, a network link, and a server; the server includes at least: the operator's webpage, trial calculation program, registration program, Transfer programs, search programs, customer databases, customer usage records, insurance product databases, and insurance documents databases. 4 · A method of purchasing insurance through a website, which presents the characteristics of insurance products of various insurance companies through a network system, so that customers can make the most comprehensive insurance. Page 12 505875 VI. Patent coverage insurance planning, the network system performs the following steps: a. Presents different insurance categories for customers to choose; b. Automatically presents poverty related to premium nose test according to the insurance category selected by the customer C. Receive the above-mentioned information related to the premium test and the basic customer information entered by the customer; d. Automatically search for insurance products in the database that meet the conditions for the above-mentioned information related to the premium test; e. Automatically compare the different insurance products above F. Receive the insurance product selected by the customer; g. Determine whether it is an existing customer; if not, record the basic information of the customer to the database before proceeding to the next step; if so, directly Proceed to the next step; h. Automatically fill in the content of the certificate to be printed and signed by the customer. 5. The method described in item 4 of the scope of patent application, including the following steps: i. Automatically send an e-mail to thank the customer. 6. The method described in item 5 of the scope of patent application, further comprising the following steps: j. Automatically integrate the information of each insurance company; k. Automatically send an electronic letter to inform the client of the progress of underwriting. 7. The method described in item 4 of the scope of patent application, wherein the network system includes at least: a client, a network link, and a server; the server Page 13 505875 6. Scope of patent application At least includes: operator's website, trial calculation program, registration program, return program, retrieval program, customer database, customer's use record, insurance product database, and insurance policy database. 8. The method described in item 6 of the scope of patent application, wherein the step of automatically integrating the data of each insurance company is to mail the insurance policy to the insurance company, and after the insurance company underwrites the insurance, the server records the insurance data. To the customer database.