TWI672659B - Insurance management method, system thereof and computer application - Google Patents

Abstract

An insurance management method includes: a management server receives a sales point inventory quantity of an original plurality of commodities from each of the sales points counted by the plurality of terminal devices; and the management server receives a shipping application corresponding to the sales point from the terminal device, wherein the shipping application includes The number of shipments of the plurality of goods transferred to the point of sale and the name of the point of sale; the management server calculates the estimated quantity of the point of sale based on the quantity of the shipment and the quantity of the inventory at the point of sale corresponding to the point of sale, and based on the point of sale at each point of sale Quantity, calculate the total inventory quantity; the management server determines that the estimated number of sales points is greater than the first preset value and the total inventory quantity is greater than the second preset value, generating inventory insurance demand; and managing the server before the plurality of goods are shipped, The inventory insurance demand informs the insurance company.

Description

Insurance management method, system and computer program product

The present invention relates to an insurance management method, system and computer program product, and more particularly to an insurance management method, system and computer program product suitable for logistics management.

Valuable goods, such as precious metals, can be transported to various sales points through the logistics system. There are risks of unpredictable losses in transportation, warehousing and display. Due to their high value, they need to be targeted at various sales points through insurance mechanisms. Insured goods related to insurance, such as: transportation insurance, product insurance. Each point of sale will sell goods to the public or the industry, and will also apply to the management center for the transfer of goods. Therefore, the quantity of goods in stock is constantly changing. After the sales point applies for the transfer of goods, the goods need to be stocked by the manpower to inventory the current inventory quantity. If the value of the insurance target has exceeded the original insurance amount, the insurance company will require the owner to reinsurance and pay the premium, but the remaining goods after the sale. When the inventory quantity is lower than the original insurance amount, the insurance company will not refund the premium paid.

However, it may take time and effort to take an after-the-counter inventory and determine whether or not to add insurance, or to pay premiums due to human error.

In view of this, some embodiments of the present invention provide an insurance management method, system, and computer program product.

The insurance management method according to an embodiment of the present invention is implemented by managing a server with one of a plurality of terminal device communication links to manage the insurance demand of the plurality of commodities. The insurance management method includes: the management server receives the sales point inventory quantity of the original plural goods at each sales point counted by the plurality of terminal devices; the management server receives the shipping application corresponding to the sales point from the terminal device, wherein the shipping application includes the to-be-allocated The number of shipments of the plurality of goods to the point of sale and the name of the point of sale; the management server calculates the estimated number of points of sale based on the number of shipments and the number of points in the point of sale corresponding to the point of sale, and based on the number of points in the point of sale at each point of sale Calculating the total inventory quantity; the management server determines that the estimated quantity of the sales point is greater than the first preset value and the total inventory quantity is greater than the second preset value, generating inventory insurance demand; and managing the server before the plurality of goods are shipped, according to the inventory The insurance company is notified of the insurance demand.

A computer program product according to another embodiment of the present invention includes a set of instructions for completing an insurance management method according to any of the embodiments of the present invention when the computer loads and executes the set of instructions.

Another embodiment of the present invention provides an insurance management system for managing insurance requirements for a plurality of commodities. The insurance management system includes a plurality of terminal devices and a management server. A plurality of terminal devices are provided at a plurality of point of sale. Each terminal device includes a terminal computing unit and a terminal communication module. The terminal computing unit is configured to count the sales point inventory quantity of the original plurality of goods at the point of sale, and generate a shipping application corresponding to the selling point, wherein the shipping application includes the shipping quantity of the plurality of goods to be transferred to the selling point and the name of the selling point. The terminal communication module is electrically connected to the terminal computing unit. The terminal communication module is used to transfer the sales point inventory quantity and the shipping application. The management server includes a management communication module and a management operation unit. The communication module is communicated with the terminal communication module. The management communication module is configured to receive the sales point inventory quantity and shipping application from each terminal device. The management arithmetic unit is electrically connected to the management communication module. The management arithmetic unit is configured to calculate the estimated quantity of the sales point according to the quantity of the shipment and the quantity of the stock point corresponding to the point of sale, and calculate the total quantity of the stock according to the quantity of the stock point of the point of sale at each point of sale. When the management computing unit determines that the estimated number of sales points is greater than the first preset value and the total inventory quantity is greater than the second preset value, the inventory insurance demand is generated, and the insurance company is notified according to the inventory insurance demand before the plurality of goods are shipped.

The purpose, technical contents, features, and effects achieved by the present invention will become more apparent from the detailed description of the appended claims.

The embodiments of the present invention will be described in detail below with reference to the drawings. In the description of the specification, numerous specific details are set forth in the <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; The same or similar elements in the drawings will be denoted by the same or similar symbols. It is to be noted that the drawings are for illustrative purposes only and do not represent the actual dimensions or quantities of the components. Some of the details may not be fully drawn in order to facilitate the simplicity of the drawings.

In the chain/linking/joining sales system, the management center can apply the logistics management system to plan, organize, direct, coordinate, control and supervise the distribution and distribution activities of the goods sold at each point of sale, combined with suppliers and operation centers. , regional delivery centers (that is, large sales points with large inventory) and regional sales points coordination and cooperation, the transportation, warehousing, distribution, accounting and other activities, with high-performance information technology, integrated into a consistent logistics Pulsating, creating the economic value of commodity time and space communication. In detail, through the establishment of the transfer mechanism and the establishment of the delivery center, the product information, inventory and distribution digital management, to achieve the most effective execution and control, to meet customer needs. The transfer mechanism includes modern logistics and distribution operations such as returning goods, returning goods, warehousing, inventory management, and distribution between sales points. The physical goods are delivered to each delivery center in a safe and rapid manner, and then transferred to all parts of the country through various sales points. The point of sale and the third-party point of sale of the strategic alliance provide sales services for a variety of different items.

However, the inventors have realized that valuable commodities, such as gold, and other precious metals, in the process of warehousing, distribution, etc., need to insure and transport the goods in the delivery process, and insure the products stored at each point of sale after delivery. Insurance (such as: inventory insurance), through the insurance management method and system of some embodiments of the present invention, the potential risks of the above-mentioned logistics system management process are automatically incorporated into the insurance estimate, and the risk is transferred to the insurance company to protect the owner's rights and interests.

Referring to FIG. 1 and FIG. 2 together, the insurance management method according to an embodiment of the present invention can be implemented by managing the server 2 with one of the plurality of terminal devices 1, 1', to manage the insurance requirements of the plurality of products. . The plurality of terminal devices 1, 1' are respectively disposed at a plurality of point of sale, the management server 2 is disposed at the management center, and the plurality of terminal devices 1, 1' are in communication with the management server 2 to constitute an insurance management system. In addition, the insurance management method of any of the embodiments of the present invention can be implemented by a computer program, so that the insurance management method of any of the embodiments can be completed when the computer (eg, the management server 2) loads and executes the program.

In this embodiment, the remote point of sale can use the terminal device 1 (such as a mobile phone, a tablet computer, or a notebook computer) to establish a communication connection with the management server 2 through the Internet or an internal encrypted domain. Therefore, the terminal device 1 transmits or receives the logistics information, the insurance information or the management information for the management server 2 to execute the insurance management method, which includes but is not limited to the following steps. In an embodiment, each terminal device 1 has an invoicing management system, and the management system can periodically settle the inventory quantity of the sales point, for example, the daily inventory quantity of the plurality of commodities, and the management servo of the management center. Device 2. In this embodiment, through the step S1, the management server 2 receives the inventory point quantity of the original plurality of commodities from each of the sales points counted by the plurality of terminal devices 1, 1 ', so that the management server 2 of the management center can immediately Know the inventory point inventory of existing inventory items at each point of sale.

When there is a replenishment demand at the point of sale, you must first submit a shipping application to the management center, record the name of the goods to be transferred, the number of transfers, and the name of the point of sale, so that the management center can grasp the logistics information in advance and estimate the required insurance content. Therefore, in step S2, the management server 2 receives the shipment request from the terminal device 1 corresponding to the point of sale, wherein the shipment application includes the number of shipments of the plurality of items to be transferred to the point of sale and the name of the point of sale.

According to the shipping application information, the management center can insure the insurance for the goods to be transferred before delivery. In one embodiment, the management server 2 generates a shipping insurance demand based on the number of shipments, and notifies the insurance company based on the shipping insurance demand before the plurality of goods are shipped. The shipping insurance message includes information such as shipping insurance amount and shipping insurance premium.

It should be noted that the traditional insurance management method is usually after the logistics system transfers the goods to each point of sale, and insures the inventory insurance for the inventory goods stored at each point of sale. Therefore, when there is a transfer of goods into the warehouse, it is necessary to check whether the insurance price of the stock quantity exceeds the original insurance amount. If there is any excess, the insurance company will ask the owner to increase the insurance.

However, the inventor believes that the traditional method of reinsurance after inventory is likely to result in an empty window of insufficient insurance (ie, the amount of insurance is less than the value of the subject matter of the insurance). In addition, if a certain point of sale inventory finds that the inventory quantity exceeds the coverage of the original insurance amount, it needs to be additionally insured by the insurance company, but a certain point of sale at the point of sale indicates that the inventory quantity is lower than the original coverage. The insurance company will not refund the premiums paid. For the owners, in fact, the total quantity of goods in a certain A and a B point of sale has not increased. The overall insurance premium should not be changed, but the additional sales point is additional insurance. Fees, for example, it is possible that the management center will transfer some of the goods at a certain point of sale to a certain point of sale, but the total quantity of goods in the whole point of sale has not changed, and a certain point of sale should not be covered, and the excess is paid. The insurance costs will cause losses and troubles for the owners.

In short, in order to ensure that the value of the insurance target at each point of sale does not exceed the insured amount, the insurance company will require each point of sale to insure the inventory goods that exceed the original insured amount, but if the inventory quantity decreases due to the sale or transfer of goods, The insurance fee will not be refunded. Therefore, in the case that the total quantity of the inventory goods at each point of sale has not increased, it is not necessary to pay the insurance premium to the insurance company. Otherwise, the insurance policy will be in violation of the principle of price and equity, and the insurance company will not be And increase the operating costs of the owners.

In order to effectively manage and actuate the insurance premiums required for each point of sale, the insurance management method of the present embodiment allows the management server 2 of the management center to immediately grasp the warehouse management through the terminal device 1 of each point of sale through the management system to periodically count the returns. Transportation, sales and accounting operations reduce the risk of manual negligence. Before the merchandise is to be transferred to the point of sale, the management server 2 first receives the delivery request from the terminal device 1 of the point of sale, and prior to the distribution, through step S3, according to the total quantity of the inventory and the quantity of the existing goods at the point of sale. Calculate the estimated number of points of sale, so that the management system can assess the insurance demand before entering the warehouse, instead of counting the number of goods at the point of sale after the warehouse, it can avoid the problem of insufficient insurance generated by the traditional method; at the same time, the management server 2 Add the sales point inventory at each point of sale to calculate the total inventory quantity for the management system to assess whether there is a waste of cost of paying premiums. That is, the management server 2 calculates the estimated number of points of sale according to the number of shipments and the number of points of sale corresponding to the point of sale, and calculates the total inventory quantity according to the quantity of the inventory at each point of sale for management of the servo. Device 2 performs effective insurance management.

In step S4, when the management server 2 determines that the estimated number of sales points is greater than the first preset value, there is a “possible” need to add insurance insurance, wherein the first preset value may be a single sales point at the time of the first insurance. The amount of the insured goods corresponding to the insured amount is also converted into the amount for comparison. For example, if the estimated quantity of the selling point is converted into the value of the insurance subject, the first preset value is the original insured amount. Whether there is a situation of insufficient insurance, those who have the usual knowledge can modify the change themselves, but not limited to this. What is important is that the above-mentioned possible insurance requirements still need to be filtered through the second mechanism to avoid unnecessary insurance. When the management server 2 determines that the total inventory quantity is greater than the second preset value, it starts to “determine” to increase the insurance. The inventory insurance, wherein the second preset value may be the original total inventory quantity of all the commodities at the time of the first insured at all the sales points.

Through the above double check mechanism, before the goods are transferred to a point of sale, it is determined that the inventory insurance is required, and the management server 2 generates an inventory insurance demand through step S5 to avoid insufficient insurance or unnecessary insurance premiums. . Then, in step S6, the management server 2 notifies the insurance company based on the inventory insurance demand before the goods are shipped. In one embodiment, the manner in which the insurance company is notified can be notified via an electronic message, for example, an electronic message is an email, a text message, a voice message, or an electromagnetic record. In another embodiment, the employee of the management center may manually notify the insurance company or re-confirm according to the inventory insurance demand generated by the management server 2, but not limited thereto.

In order to confirm the delivery of the transferred goods to each point of sale, the warehousing enjoys reasonable insurance protection. In one embodiment, the management server 2 receives the underwriting information from the insurance company after notifying the insurance company, and then the management server 2 Underwriting information, the delivery notification is allowed to be sent to the logistics system, and the distribution operation is started. Therefore, it is possible to avoid the manual negligence and cumbersomeness of the insured judgment after the storage.

In some embodiments, the computer program product for managing the insurance requirements of the plurality of commodities is composed of a set of instructions, and the insurance management method of any of the above embodiments can be completed when the computer loads and executes the set of instructions.

Referring to FIG. 2, an insurance management system according to still another embodiment of the present invention is applicable to managing insurance requirements of plural commodities. The insurance management system includes a plurality of terminal devices 1, 1' and a management server 2. The plurality of terminal devices 1, 1' are respectively provided at a plurality of point of sale, the management server 2 is installed in the management center, and the plurality of terminal devices 1, 1' are in communication with the management server 2 to constitute an insurance management system. Referring to FIG. 3, in the embodiment, the terminal device 1 includes a terminal computing unit 10 and a terminal communication module 12. The terminal device 1 can also optionally include a terminal storage unit 14. The terminal computing unit 10 counts the number of points of sale of the original plurality of items at the point of sale, and generates a shipping request corresponding to the point of sale, wherein the shipping application includes the number of shipments of the plurality of items to be transferred to the point of sale and the name of the point of sale. The terminal communication module 12 is electrically connected to the terminal computing unit 10. The terminal communication module 12 transmits the sales point inventory quantity and the shipping application. The terminal storage unit 14 can store the above-mentioned sales point inventory quantity and the shipping application history record and the like. The technical content, efficacy advantages, and related embodiments of how the terminal device 1 knows the number of existing inventory items at each point of sale, the number of points of delivery of the point of sale, and the shipping application, and related embodiments have been as described above.

Referring to FIG. 4, in the embodiment, the management server 2 includes a management communication module 20 and a management operation unit 22. The management server 2 can also optionally include a management storage unit 24. The management communication module 20 is in communication with the terminal communication module. The management communication module 20 receives the point of sale inventory quantity and shipping request from each terminal device.

The management computing unit 22 is electrically connected to the management communication module 20. The management operation unit 22 calculates the estimated number of points of sale according to the number of shipments and the number of points of sale corresponding to the point of sale; in addition, the management unit 22 calculates the total number of stocks according to the number of points of sale at each point of sale; In other words, the management operation unit 22 adds the shipment quantity to the sales point inventory quantity corresponding to the sales point to calculate the estimated sales point quantity, and adds the sales point inventory quantity of each sales point to calculate the total inventory quantity.

The management operation unit 22 determines that the estimated number of sales points is greater than the first preset value and the total inventory quantity is greater than the second preset value, and generates an inventory insurance demand. The management arithmetic unit 22 notifies the insurance company based on the inventory insurance demand before the plurality of goods are shipped. In one embodiment, the management arithmetic unit 22 generates a shipping insurance demand based on the number of shipments. The management arithmetic unit 22 notifies the insurance company through the management communication module 20 in accordance with the transportation insurance demand before the plurality of products are shipped. In another embodiment, the management unit 22 generates an electronic message and transmits the electronic message through the management communication module 20, wherein the related embodiment of the electronic message is as described above. The technical content, efficiency advantages and related embodiments of how the management server 2 avoids the insufficient insurance or unnecessary insurance for each point of sale, the double inspection mechanism for insurance demand, and the insurance before shipment to the insurance company have been as described above.

In one embodiment, the management computing unit 22 receives the underwriting information from the insurance company through the management communication module 20. Next, the management arithmetic unit 22 generates a delivery notification of the permitted shipment based on the underwriting message, and instructs the logistics system to perform the delivery.

In some embodiments, the terminal computing unit 10 and the management computing unit 22 may be comprised of one or more of such as a microprocessor, a microcontroller, a digital signal processor, a microcomputer, a central processing unit, a field programming gate array, a programmable logic device. , state, logic, analog circuits, digital circuits, and/or any processing element based on operational command operational signals (analog and/or digital).

In some embodiments, the terminal communication module 12 and the management communication module 20 can be wireless communication interfaces, and establish communication links with each other through at least one wireless communication protocol.

In some embodiments, the terminal storage unit 14 and the management storage unit 24 can be implemented by one or more memories.

In summary, some embodiments of the present invention provide an insurance management method, system, and computer program product, which are mainly implemented by using a management server connected to a plurality of terminal devices to manage the insurance requirements of the plurality of products. The management server periodically counts the number of items at the point of sale and the shipping request through the plurality of terminal devices. Before the goods are delivered, it is judged whether it is necessary to insure the inventory insurance for the sales point that proposes the transportation demand, and avoid the situation of negligence and insufficient insurance caused by manual operations such as inventory after the storage. In addition, through the double inspection mechanism, the inventory insurance costs of each point of sale can be effectively managed, avoiding the misunderstanding of a single point of sale and unnecessary insurance premiums, and providing premiums for the logistics system to deliver the goods, shortening the operation process, and real-time and economical logistics. Risk management, the advantages of safe transportation and actuarial insurance premiums.

The embodiments described above are only intended to illustrate the technical idea and the features of the present invention, and the purpose of the present invention is to enable those skilled in the art to understand the contents of the present invention and to implement the present invention. That is, the equivalent variations or modifications made by the spirit of the present invention should still be included in the scope of the present invention.

S1~S6‧‧‧Steps

1, 1'‧‧‧ terminal devices

10‧‧‧terminal arithmetic unit

12‧‧‧ Terminal Communication Module

14‧‧‧ Terminal storage unit

2‧‧‧Management Server

20‧‧‧Management Communication Module

22‧‧‧Management unit

24‧‧‧Manage storage unit

1 is a schematic view showing an insurance management method according to an embodiment of the present invention. 2 is a schematic view showing an insurance management system according to an embodiment of the present invention. Fig. 3 is a schematic view showing a terminal device according to an embodiment of the present invention. 4 is a schematic diagram showing a management server in accordance with an embodiment of the present invention.

Claims (11)

An insurance management method for managing insurance requirements of a plurality of commodities by managing a server with one of a plurality of terminal device communication links, the insurance management method comprising: the management server receiving each sales point counted by the plurality of terminal devices a sales point inventory quantity of one of the plurality of original goods; the management server receives a shipping application from the terminal device corresponding to the one of the selling points, wherein the shipping application includes one of the plurality of goods to be transferred to the selling point And the name of the point of sale; the management server calculates an estimated point of sale point according to the quantity of the shipment and the quantity of the point of sale corresponding to the point of sale, and according to the quantity of the point of sale of the point of sale at each point of sale, Calculating a total inventory quantity; the management server determines that the estimated quantity of the sales point is greater than a first preset value and the total inventory quantity is greater than a second preset value, generating an inventory insurance demand; and the management server is Before the shipment of the plurality of commodities, an insurance company is notified according to the demand for the inventory insurance. The insurance management method according to claim 1, further comprising: the management server receiving one of the insurance information from the insurance company; and the management server generating one of the delivery notifications based on the underwriting information. The insurance management method of claim 1, wherein the step of notifying the insurance company further comprises: notifying by an electronic message. The insurance management method according to claim 1, further comprising: the management server generating a shipping insurance demand according to the shipping quantity; and the management server notifying the insurance company according to the shipping insurance demand before the plurality of goods are shipped. The insurance management method of claim 1, wherein the step of calculating the estimated quantity of the point of sale comprises adding the quantity of the shipment to the quantity of the point of sale corresponding to the point of sale, and calculating the total quantity of the quantity The step of adding includes adding the inventory quantity of the point of sale at each of the points of sale. A computer program product comprising a set of instructions for performing the insurance management method of any one of claims 1 to 5 when the computer loads and executes the set of instructions. An insurance management system for managing insurance demand of a plurality of commodities, comprising: a plurality of terminal devices, which are disposed at a plurality of sales points, each of the terminal devices comprising: a terminal computing unit configured to count the original commodity of the sales point a point of sale inventory quantity, and generating a shipping application corresponding to the point of sale, wherein the shipping application includes a quantity of the plurality of goods to be transferred to the point of sale and a name of the point of sale; and a terminal communication module And electrically connected to the terminal computing unit for transmitting the inventory point inventory quantity and the shipping application; and a management server, comprising: a management communication module, and a communication connection with the terminal communication module, for receiving from The sales point inventory quantity of each of the terminal devices and the shipping application; and a management computing unit electrically connected to the management communication module for using the shipping quantity and the sales point quantity corresponding to the selling point Calculating the estimated quantity of a point of sale and calculating the quantity of the point of sale at each point of sale The total inventory quantity; the management computing unit determines that the estimated quantity of the selling point is greater than a first preset value and the total inventory quantity is greater than a second preset value, generating an inventory insurance demand, and before the plurality of goods are shipped, The inventory insurance requirement informs an insurance company. The insurance management system of claim 7, wherein the management computing unit receives the underwriting message from the insurance company through the management communication module, and generates one of the delivery notifications based on the underwriting message. The insurance management system of claim 7, wherein the management computing unit generates an electronic message and transmits the electronic message through the management communication module. The insurance management system of claim 7, wherein the management computing unit generates a shipping insurance demand according to the shipping quantity, and notifies the insurance company through the management communication module according to the shipping insurance demand before the plurality of goods are shipped. . The insurance management system of claim 7, wherein the management arithmetic unit adds the shipment quantity to the sales point inventory quantity corresponding to the sales point to calculate the estimated sales point quantity, and each of the sales points The point-of-sale inventory quantity is added to calculate the total inventory quantity.