TWI680427B - Risk assessment and insurance planning system and method for insurance of enterprise - Google Patents

Abstract

The invention provides an enterprise risk assessment and insurance planning system, which is used to assist an insurance salesperson in selling an enterprise's cross-insurance integrated insurance. The system includes an enterprise insurance supplementary marketing platform stored on a mobile device, and the enterprise insurance supplemental marketing platform contains information. The input module provides input of a customer's insurance information; an intelligent analysis module to generate a recommended protection plan; a protection trial calculation module to provide a recommended protection plan adjustment and generates a cross-insurance protection plan. Compared with the conventional technology, the present invention assists an insurance salesperson to sell corporate insurance to customers through a mobile device. With the assistance of the present invention, an insurance salesperson can more easily introduce complex enterprise insurance to customers, and also let customers know Insurance needs, and the protection needed to purchase efficiently.

Description

   Enterprise risk assessment and insurance planning system and method   

The present invention relates to an enterprise insurance sales system and method, and in particular, to an apparatus and method for assisting an insurance salesperson in selling enterprise insurance using a mobile device.

Enterprise insurance refers to the insurance planning required by an enterprise in its daily operations, including various liability insurance, property insurance, etc. The purpose of insurance is to provide material compensation to the few who have suffered unfortunately through the power of the majority, so that their losses are minimized, as is the case with corporate insurance. The main target of general insurance is natural persons, which guarantees that individuals or families will not be unable to survive due to an accident. The main target of corporate insurance is a legal person, which guarantees that an enterprise will not collapse due to an emergency. However, an enterprise often Maintaining the livelihoods of several families, the far-reaching significance of corporate insurance lies in maintaining the reproduction capacity of society, ensuring the stability of enterprises and promoting social development.

However, the current sales model of corporate insurance products is mostly through professional insurance brokers or insurance agents to introduce products to customers, or by insurance company business personnel to visit customers on-site to recommend products to customers through manual interpretation. Corporate insurance products cover many types of insurance and professional knowledge. They are not insurance products that are widely known to the public, such as personal insurance (auto insurance, travel insurance, etc.) or general life insurance. A complete corporate insurance plan may include various types of insurance, such as fire insurance, new insurance or engineering insurance, each of which may be the responsibility of different departments of the insurance company, which means that selling insurance In addition to being familiar with all types of insurance related to corporate insurance, insurance salespeople are more likely to need to contact different departments for underwriting while underwriting, and customers may also get more than one insurance policy, which is really inconvenient. Therefore, most insurance salespersons believe that it is relatively complicated and difficult to sell corporate insurance products, and they have not accumulated a certain level of professional knowledge, and it is difficult to explain or recommend appropriate insurance products to customers.

In view of this, the present invention discloses an enterprise risk assessment and insurance planning system for assisting an insurance salesperson in selling an enterprise's cross-insurance integrated insurance, which includes a cloud server and an enterprise insurance supplementary sales platform. Among them, the cloud server includes a cross-risk risk database for storing a plurality of risk factors and a plurality of protection amount calculation rules corresponding to a plurality of insurance types, and each risk factor corresponds to an industry classification and a business information; an enterprise; The insurance supplement marketing platform runs on a mobile device and is connected to a cloud server through an Internet. It includes a data input module for providing insurance salespersons to input a customer's insurance data. The customer's insurance data includes the industry classification and Business information; an intelligent analysis module, connected to the data input module and the cross-risk risk database, is used to perform risk assessment and risk analysis based on customer insurance data, corresponding multiple risk factors, and multiple protection amount calculation rules. Insured amount calculation to generate a recommended protection plan; and a protection trial calculation module connected to the intelligent analysis module to display the recommended protection plan and provide an insurance salesperson to modify the recommended protection plan by recalculating the modified protection plan A protection plan is proposed to produce a cross-insurance protection plan.

Among them, the cloud server also includes a marketing database for storing multiple insurance cases and multiple insurance product data. Among them, each insurance product data includes a product introduction, a policy clause, a disaster case, and marketing auxiliary teaching. Case, and the corporate insurance auxiliary marketing platform also includes an insurance marketing data module, which is connected to the marketing database and is used to search and display insurance cases and insurance product information. In addition, the insurance marketing data module is connected to the protection trial module, which searches for disaster cases of insurance product data according to the recommended protection scheme, and searches for insurance cases in the marketing database based on the customer insurance data association, and outputs the disaster cases and insurance cases. Displayed in the Guarantee Trial Module.

Further, the enterprise insurance supplement sales platform further includes a required insurance book generation module and an underwriting module. The guarantee book production module is connected to the guarantee trial calculation module, which is used to provide input of a customer's basic information and confirm the cross-insurance protection plan, so as to automatically generate a cross-insurance insurance book. The underwriting module is connected to the insurance policy generation module and the cloud server, and is used to output the cross-risk insurance policy and a customer signature to the cloud server. After the cloud underwriting is performed, a cross-risk integrated insurance policy is generated.

In a specific embodiment of the present invention, the cloud server further includes a legal database connected to the intelligent analysis module. The legal database stores a local government regulated insurance amount. The intelligent analysis module is based on the customer's insurance data and corresponding information. A plurality of risk factors, a plurality of insurance amount calculation rules, and a local government regulate the insured amount. The risk assessment and the insurance amount calculation are performed to generate a recommended protection plan.

It is worth mentioning that the risk factors and protection amount calculation rules of the above-mentioned cross-risk risk database, the insurance case of the marketing database, the insurance product information, and the local government regulatory coverage of the legal database can be used in the cloud server. The device is downloaded to the corporate insurance auxiliary sales platform, and the operating system is offline.

Another aspect of the present invention is to provide an enterprise risk assessment and insurance planning method for assisting an insurance salesperson in selling an enterprise's cross-insurance integrated insurance, which includes the following steps: S ₁ : pre-store a plurality of corresponding insurance types Risk factors and multiple protection amount calculation rules, each risk factor corresponds to an industry classification and a business information; S ₂ : Enter a customer insurance information, which includes industry classification and business information; S ₃ : according to Customer insurance information, corresponding multiple risk factors, and multiple protection amount calculation rules to generate a recommended protection plan by performing risk assessment and calculation of the protection amount; and S ₄ : Display the recommended protection plan and provide the insurance salesperson with modification suggestions Coverage plan, by recalculating the revised proposed cover plan to generate a cross-insurance cover plan.

Among them, the method for enterprise risk assessment and insurance planning of the present invention further includes the following steps: S ₅ : Enter a customer's basic information and confirm the cross-insurance protection plan, so as to automatically generate a cross-insurance claim form; S ₆ : output the cross-insurance form A letter of guarantee and a customer signature generate a cross-insurance integrated insurance policy through cloud underwriting.

In a specific embodiment of the present invention, step S ₃ further includes the following sub-steps: S ₃₁ : pre-store a local government regulatory insurance amount; and S ₃₂ : according to customer insurance data, corresponding multiple risk factors, and multiple guarantees The amount calculation rules and the local government regulate the insured amount, and the risk assessment and the insured amount calculation are performed to generate a recommended protection plan.

In another specific embodiment of the present invention, step S ₄ further includes the following sub-steps: S ₄₁ : pre-store a plurality of disaster cases; S ₄₂ : associately search for a plurality of disaster cases according to customer insurance data, and output at least one disaster case ; And S ₄₃ : modify the proposed protection plan, and recalculate the revised recommended protection plan to generate a cross-insurance protection plan.

Compared with the conventional technology, the present invention discloses an enterprise risk assessment and insurance planning system and method, which is used to solve the unfamiliarity and sales obstacles of insurance salesmen to enterprise insurance products. The present invention provides a simple and convenient auxiliary sales tool for business personnel, Insurance business personnel who are unfamiliar with corporate insurance products can also visit customers and use the corporate insurance supplement marketing platform and cloud server to create customized protection solutions tailored to customers, while covering cross-insurance products. Combination to make the protection more perfect. The invention provides cross-type insurance database integration, which not only allows customers to insure products of different types of insurance at one time, but also greatly reduces the time for insurance salespersons to enter data and contact relevant departments. In addition, the present invention considers that insurance business personnel visit customers most of the time, and designs an offline operation function to prevent insurance business personnel from losing the data entry process due to the unstable network or visiting customers in remote areas because of the lack of the Internet. Restrictions on use.

1,2,3‧‧‧‧Enterprise risk assessment and insurance planning system

100‧‧‧ Cloud Server

110‧‧‧ Cross-Risk Risk Database

120‧‧‧ Marketing Database

130‧‧‧Legal database

200‧‧‧Corporate Insurance Marketing Platform

210‧‧‧Data Input Module

220‧‧‧Intelligent Analysis Module

230‧‧‧ Guarantee Trial Module

240‧‧‧Insurance Marketing Information Module

250‧‧‧To be guaranteed production module

260‧‧‧ Underwriting Module

300‧‧‧Internet

S ₁₀₀ -S ₁₃₆ ‧‧‧step

S ₁ -S ₆ ‧‧‧ steps

S _31- S ₃₂ ‧‧‧ steps

S _41- S ₄₃ ‧‧‧ steps

S ₆₁ -S ₆₂ ‧‧‧ steps

FIG. 1 is a functional block diagram of a specific embodiment of the enterprise risk assessment and insurance planning system of the present invention.

FIG. 2 is a functional block diagram of another embodiment of the enterprise risk assessment and insurance planning system of the present invention.

FIG. 3 is a functional block diagram of another embodiment of the enterprise risk assessment and insurance planning system of the present invention.

4A, 4B, and 4C are flowcharts illustrating a specific embodiment of an insurance auxiliary marketing platform of the enterprise risk assessment and insurance planning system of the present invention.

FIG. 5 is a flowchart illustrating a specific embodiment of a method for enterprise risk assessment and insurance planning according to the present invention.

FIG. 6 is an advanced flowchart of step S ₄ of the method for enterprise risk assessment and insurance planning of the present invention.

FIG. 7 is an advanced flow chart of step S ₃ of the method for enterprise risk assessment and insurance planning of the present invention.

FIG. 8 is a flowchart illustrating a specific embodiment of step S ₆ of the method for enterprise risk assessment and insurance planning of the present invention.

In order to make the advantages, spirits and features of the present invention easier and clearer, it will be detailed and discussed in the following with specific embodiments and with reference to the accompanying drawings. It is worth noting that these specific embodiments are only representative specific embodiments of the present invention, and the specific methods, devices, conditions, materials, etc. exemplified therein are not intended to limit the present invention or corresponding specific embodiments. In addition, each device in the figure is only used to express its relative position and is not depicted in its actual proportion, which will be described together.

Please refer to FIG. 1. FIG. 1 is a functional block diagram of a specific embodiment of the enterprise risk assessment and insurance planning system 1 of the present invention. The enterprise risk assessment and insurance planning system 1 of the present invention is used to assist an insurance salesperson to sell an enterprise cross-insurance integrated insurance. As shown in FIG. 1, a specific embodiment of the present invention includes a cloud server 100 and an enterprise insurance. Auxiliary marketing platform 200. The cloud server includes a cross-risk risk database 110 for storing a plurality of risk factors and a plurality of protection amount calculation rules corresponding to a plurality of insurance types, each risk factor corresponding to an industry classification and a business information; The enterprise insurance sales platform 200 is executed on a mobile device and is connected to the cloud server 100 through an Internet 300. It includes a data input module 210 for providing insurance salespersons to input a customer insurance data, and a customer insurance data Contains industry classification and business information; an intelligent analysis module 220 is connected to the data input module 210 and the cross-risk risk database 110, and is based on customer insurance data and its corresponding multiple risk factors and multiple protection amounts Calculation rules to generate a recommended protection plan by performing risk assessment and insurance calculation; and a protection trial calculation module 230 connected to the intelligent analysis module 220 to display the recommended protection plan and provide insurance salesperson modification suggestions Protection plan, by recalculating the recommended protection plan Create a cross insurance coverage plan.

In practical applications, the insurance sales promotion platform 200 is an application (APP) on a mobile device. An insurance salesperson visits customers with a mobile device installed with the insurance sales promotion platform 200, and uses the mobile device's Internet 300. Connect to the cloud server 100. The insurance salesperson inputs the customer insurance information provided by the customer through the data input module 210. The customer insurance information includes the industry category and business information. Among them, the industry category includes businesses / shops, supplementary education, construction industry, and transportation. In another specific embodiment, each industry category can be subdivided into several industry categories. For example, the merchant / shop category can be further divided into the catering industry, grocery industry, and apparel industry; business information includes business address, number of floors, floor The number of employees, the number of employees, the value of the goods, and the turnover, etc., will display the relevant business information input based on the type of industry entered. After receiving the inputted customer insurance information, the intelligent analysis module 220 searches for a corresponding risk factor in the cross-type risk database 110 according to the customer insurance data. Each risk factor corresponds to a plurality of types of insurance, a number of industrial classifications, a business information, and an insurance amount calculation rule. Among them, the types of insurance include commercial fire insurance, public accident insurance, product liability insurance, employer accident liability insurance, engineering Insurance, cargo transportation insurance, and other property or liability insurance, but not limited to this; the insurance amount calculation rules include any public documents and forms, or empirical formulas obtained from historical insurance information of insurance companies. The intelligent analysis module 220 performs risk assessment and insurance amount calculation based on the customer insurance data, corresponding risk factors, and protection amount calculation rules to generate a recommended protection plan. The proposed protection plan may include multiple types of insurance coverage, multiple insurance items, the recommended amount of insurance corresponding to each insurance item, the premium corresponding to each insurance item, and the total premium. The proposed protection plan is transmitted to the protection trial calculation module 230 and displayed in the protection trial calculation module 230. Insurance salespersons and customers can review and modify the proposed protection scheme through the protection trial calculation module 230. The revised proposed protection scheme produces a cross-insurance protection scheme. In practice, after the protection trial calculation module 230 revises the proposed protection plan, the modified recommended protection plan may be returned to the intelligent analysis module 220 to recalculate the total premium, or the total amount of premium may be recalculated in the protection trial calculation module 230.

Please refer to Table 1, Table 2, Table 3, and Table 4. Table 1 is a cross-type risk database 110 risk factor comparison table of a specific embodiment of the enterprise risk assessment and insurance planning system 1 of the present invention. Table 2 is a reference table for the cost of residential buildings in Taiwan provided by the Republic of China Product Insurance Commercial Association. Table 3 is a table of loss insurance premium rates for a specific embodiment. Table 4 is a product liability insurance rate table of a specific embodiment. In a specific embodiment, an insurance salesperson visits a snack shop with a mobile device equipped with an insurance supplementary sales platform 200 and enters the industry classification as "merchant / store category". The intelligent analysis module 220 is composed of a cross-risk risk database. The industry classification in Table 110 contains all risk factors of "merchant / store category" and displays the corresponding business information input. Each business information corresponds to more than one protection amount calculation rule. For example, enter business information such as "2 floors high, business address in Taipei, 30 pings, and annual turnover 12 million", and search for "floor height, business address, and pings" from Table 1. The calculation rule of the insurance amount corresponding to the equal risk factor is the building cost reference table in Table 2. From the input of 2 floors high and the business address of Taipei City, the corresponding table 2 shows that the cost per floor is 55,000 yuan, and then multiplied by The recommended insurance amount of this building can be obtained from the number of pings of 30. It is 1.65 million; then the risk factor of "turnover" can be searched from Table 1. The insurance amount calculation rules can correspond to the closing loss insurance rate table in Table 3 and Table 4. For the product liability insurance rate table, the annual turnover of 12 million entered can correspond to Table 3, and the recommended insurance amount is 450,000, and the insurance amount of product liability insurance can be obtained from Table 4 as a fixed value, which are: Each person has 1 million bodily injuries, 4 million bodily injuries per accident, and a total insurance amount of 10 million during the insurance period. Based on the recommended insurance amounts calculated based on the above-mentioned risk factors, the reconstruction costs required for major disasters can be automatically estimated. As the basis for recommending a safeguard plan.

Please refer to FIG. 2, which is a functional block diagram of another specific embodiment of the enterprise risk assessment and insurance planning system 2 of the present invention. As shown in FIG. 2, in another embodiment, the cloud server 100 of the enterprise risk assessment and insurance planning system 2 of the present invention includes a marketing database 120, and the enterprise insurance auxiliary marketing platform 200 includes an insurance marketing data module. 240. The marketing database 120 stores a plurality of insurance cases and a plurality of insurance commodity data, wherein each insurance commodity data includes a product introduction, a policy clause, a disaster case, and a marketing auxiliary teaching case. In a specific embodiment, the insurance marketing module 240 is connected to the marketing database 120. After the insurance salesperson logs in to the enterprise insurance auxiliary marketing platform 200, he can select the industry classification described in the previous paragraph and the insurance marketing module in the insurance marketing module 240. 240 According to the selected industry classification, all insurance products of this industry classification are selected and displayed in the marketing database 120, and the keywords of the insurance product information can be entered to search for related insurance products. Clicking to select the insurance products can display the insurance products Product introduction, policy terms, disaster cases, and marketing auxiliary teaching cases. Among them, the marketing auxiliary teaching cases use audiovisual or textual methods to guide insurance salespersons in selling the insurance products, and provide insurance salespersons to learn by themselves.

In another embodiment, the insurance marketing data module 240 is connected to the marketing database 120 and the protection trial module 230. When an insurance salesperson and a customer review and adjust the proposed protection scheme in the protection trial module 230, insurance marketing The data module 240 searches for related disaster cases from the marketing database 120 according to the proposed protection scheme and displays them in the protection trial module 230. For example, if the proposed protection scheme includes commercial fire insurance, theft insurance, and water damage insurance, then The insurance marketing information module 240 automatically searches for at least one disaster case related to commercial fire insurance, theft insurance, and water damage insurance and displays it in the protection trial module 230 to assist insurance salespeople to explain and introduce the characteristics of insurance to customers Demand, disaster cases can be news materials, newspapers and magazines, actual claims cases, and so on. On the other hand, when an insurance salesperson and customer review and adjust the proposed protection plan in the protection trial module 230, the insurance marketing data module 240 automatically searches for an insurance case in the marketing database 120 according to the input of the customer insurance information, and displays at least An insurance case is covered by the protection trial module 230. For example, businesses that are also snack shops have insured commercial fire insurance, theft insurance, and employers' liability insurance. Customers can refer to the insurance content of similar businesses to understand their needs.

Please refer to FIG. 3, which is a functional block diagram of another specific embodiment of the enterprise risk assessment and insurance planning system of the present invention. As shown in FIG. 3, in another embodiment, the enterprise insurance supplementary sales platform 200 of the enterprise risk assessment and insurance planning system 3 of the present invention includes a certificate production module 250 and an underwriting module 260. The guarantee book production module 250 is connected to the guarantee trial calculation module 230. The guarantee book production module 250 receives the cross-insurance protection plan transmitted by the guarantee trial calculation module 230, confirms the cross-insurance protection plan and enters a basic customer information. The customer The basic information includes the name of the insured business, the name of the representative, the unified number, and the contact phone number. The warranty book production module 250 automatically generates a cross-risk insurance letter based on the customer's basic information and the cross-risk insurance plan. The underwriting assurance module 260 is connected to the underwriting insurance production module 250 and the cloud server 100. The underwriting assurance module 260 receives the cross-risk insurance underwriting insurance certificate transmitted by the underwriting insurance production module 250. At this time, if the customer uses a natural person If you are insured under the name of “Singapore”, you will sign an electronic signature on your mobile device, and send the customer ’s signature and cross-type insurance request to the cloud server 100 via the Internet 300. After the cloud underwriting is performed, a cross-type integrated insurance policy will be generated. In the case of nominal insurance, the cross-insurance insurance policy must be printed and stamped with the company's seal, and then returned to the insurance company for underwriting on paper to generate a cross-insurance integrated insurance policy. Among them, the cross-insurance insurance policy printing method can You can send the electronic file of the cross-insurance book to be e-mailed and print it with a general printer. You can also print the book with the Ibon machine which is convenient for supermarkets. Among them, if the cross-type insurance plan includes commercial fire insurance, the underwriting module 260 is connected to the camera module (not shown in the figure) of the mobile device to take a photo of the appearance of the insured building, The insurance policy and customer signature are sent to the cloud server 100 for underwriting.

Please refer to FIG. 3, Table 5 and Table 6 together. Table 5 is a public accident liability insurance rate table of a specific embodiment. Table 6 shows the relevant regulations for the compulsory insurance of public accident liability insurance at the consumer business premises of each county and city government. The cloud server 100 may include a legal database 130. The legal database 130 is connected to the intelligent analysis module 220 through the network 300, and a local government normative insurance amount is stored. The local government normative insurance amount changes at any time with changes in government agency data. Update. The intelligent analysis module 220 can provide the customer with sufficient recommended protection schemes based on the business address in the customer's insurance information, and then correspond to the local government's regulated insurance amount in the legal database 130. In a specific embodiment, an insurance salesperson visits a store with a mobile device equipped with an insurance supplementary sales platform 200 and enters business information "Business address New Taipei City, 62 pings of business floor", then the intelligent analysis module 220 searches for laws Table 5 in the database 130. Each county and city government's consumer business premises is compulsorily insured with relevant provisions on public accident liability insurance. The amount of insurance in New Taipei City is 3 million per person, 15 million per person, and each property. Loss of 2 million and total insurance amount of 34 million during the insurance period, and correspond to the "3 million / 15 million / 2 million / 34 million" column in the Table 6 public accident liability insurance rate table, with 62 tsubo from the business floor It can be known that the insurance cost is 12,000 yuan, and a recommended protection plan is generated according to the recommended amount of insurance and the premium.

In practical applications, in the enterprise risk assessment and insurance planning systems 1, 2 and 3 of the present invention, the enterprise insurance auxiliary marketing platform 200 can download the risk factor and protection amount of the cross-risk risk database 110 from the cloud server 100 through the mobile device. The calculation rules, the insurance case of the marketing database 120 and the insurance product information, and the local government of the legal database 130 regulate the amount of insurance, and operate in an offline state.

In a specific embodiment, the enterprise risk assessment and insurance planning system of the present invention may further include a historical database. The historical database stores a plurality of historical insurance data. Each time an insurance or claim is made, the record is updated in the historical data. Library, historical database can be used as the basis for the calculation of insurance amount. For example, the average decoration cost per floor of commercial buildings in the past ten years is 15,000, so the insurance amount calculation rules uniformly use 15,000 per floor to estimate the decoration costs of buildings. However, in recent years, living standards and prices have increased, and the average decoration cost has increased from 1.5 Ten thousand became 17,000, and the calculation rules of insurance amount also changed with the historical database. The historical database changes with the trend of society, providing customers with the most adequate advice and protection schemes. In addition, the historical database can also use the historical insurance data in the database to check the protection items that the customer already has and the missing protection items, so that the insurance salesman can more accurately market the insurance solutions that the customer needs.

Please refer to FIG. 4A, FIG. 4B, and FIG. 4C. FIG. 4A, FIG. 4B, and FIG. 4C are flowcharts illustrating a specific embodiment of the insurance supplement platform of the enterprise risk assessment and insurance planning system of the present invention. The steps of the insurance auxiliary marketing platform 200 of the enterprise risk assessment and insurance planning system of the present invention are shown in FIG. 4A, FIG. 4B, and FIG. 4C, which include: S ₁₀₀ : an insurance salesperson logs in to the insurance auxiliary marketing platform; S ₁₀₂ : selects Does the company sell insurance? If yes, then proceed to step _S104 : sell corporate insurance; _S106 : connect to the data input module 210 and enter the customer industry classification; _S108 : the system determines whether it meets the industry classification scope? If no, continue to step _S110 : enter the manual insurance procedure; if yes, continue to step _S112 : enter business information related to the industry classification; _S114 : connect to the intelligent analysis module 220, and output a recommended protection plan ; S ₁₁₆ : Connect to the protection trial calculation module 230, review and modify the recommended protection plan, and display disaster cases related to the recommended protection plan and insurance case related to customer insurance data; S ₁₁₈ : Do you agree with the recommended protection plan? If no, go back to step S ₁₁₆ to modify the protection plan again. If yes, continue to step S ₁₂₀ : connect to the production module 250 to be guaranteed, enter the customer's basic information; S ₁₂₂ : output cross-insurance integration to be guaranteed Book; S ₁₂₄ : Check whether the insurance items include commercial fire insurance? If yes, proceed to step S ₁₂₆ : take a photograph of the appearance of the insured building by the mobile device, and continue to step S ₁₂₈ ; if step S ₁₂₄ is not, skip directly to step S ₁₂₈ : the client signs the cross-insurance certificate ; and S _130: cross by the output module 260 insurance underwriting integration proposal form to the cloud server and client signatures for online underwriting, which, if the project contains ₁₂₄ when the insurance business fire in step S, together with the upload step S ₁₂₆ photos of the building's exterior taken to the cloud server.

Please continue to refer to FIG. 4A. If it is not in step _S102 , continue to step _S132 : the insurance marketing information module 240 is connected to the marketing database 120, selects the industry classification and displays the insurance commodity information related to the industry classification; _S134 : Enter the keywords of the insurance product to search the related insurance product information; S ₁₃₆ : Click to select the insurance product, and display the product introduction, policy terms, disaster case, and marketing auxiliary teaching case of the insurance product.

In practice, steps S ₁₀₀ to S ₁₄₀ may be executed by an application (APP) of a mobile device, and steps S ₁₁₆ and S ₁₁₈ are executed on the same page.

Please refer to FIG. 5, which is a flowchart illustrating a specific embodiment of an enterprise risk assessment and insurance planning method of the present invention. Another aspect of the present invention is to provide an enterprise risk assessment and insurance planning method for assisting an insurance salesperson in selling an enterprise cross-insurance integrated insurance. As shown in FIG. 5, the steps of the enterprise risk assessment and insurance planning method of the present invention include: S ₁ : Pre-store a plurality of risk factors corresponding to each of the insurance types and a plurality of protection amount calculation rules, each risk factor corresponds to an industry classification and a business information respectively; S ₂ : Enter a customer insurance information, the customer insurance information contains There are industry classifications and business information; S ₃ : according to customer insurance data, corresponding risk factors and protection amount calculation rules, a risk protection and insurance amount calculation is performed to generate a recommended protection plan; and S ₄ : display the recommended protection plan It also provides the insurance salesperson with the possibility to modify the proposed protection plan and recalculate the revised recommended protection plan to generate a cross-insurance protection plan. Further, the method for enterprise risk assessment and insurance planning of the present invention may further include the following steps: S ₅ : Enter a customer's basic information and confirm the cross-insurance protection plan, so as to automatically produce a cross-insurance insurance letter; S ₆ : Output A cross-insurance insurance policy and a client signature are required to generate a cross-insurance integrated insurance policy through cloud underwriting.

Please refer to FIG. 6, FIG. 6 step enterprise-based risk assessment and planning of the present invention a method of _the flow chart of advanced safety drawing S. As shown in FIG. 6, step S _{4 of the} enterprise risk assessment and insurance planning method of the present invention further includes the following sub-steps: S ₄₁ : pre-store a plurality of insurance cases; S ₄₂ : search for insurance cases based on the customer's insurance data association, and at least one Output of insurance cases; and S ₄₃ : Modify the recommended protection plan, and recalculate the modified recommended protection plan to generate a cross-insurance protection plan.

Please refer to FIG. 7, which is an advanced flowchart of step S ₃ of the method for enterprise risk assessment and insurance planning of the present invention. As shown in FIG. 7, step S _{3 of the} enterprise risk assessment and insurance planning method of the present invention further includes the following sub-steps: S ₃₁ : pre-store a local government regulated insurance amount; and S ₃₂ : according to the customer's insurance information and corresponding risk factors , The calculation rules of the protection amount and the local government to regulate the insurance amount, and carry out risk assessment and calculation of the insurance amount to generate the recommended protection plan.

Please refer to FIG. 8, which is a flowchart illustrating a specific embodiment of step S ₆ of the method for enterprise risk assessment and insurance planning of the present invention. If the cross-insurance insurance plan includes a commercial fire insurance, step S ₆ further includes the following sub-steps: S ₆₁ : taking a photograph of the appearance of the insured building; and S ₆₂ : outputting the cross-insurance certificate, the appearance of the insured building photograph, and the client ’s signature After the underwriting in the cloud, cross-insurance integrated insurance policies will be generated.

Compared with the conventional technology, the enterprise risk assessment and insurance planning system and method of the present invention solve the unfamiliarity and sales obstacles of insurance salesmen to enterprise insurance products. Corporate insurance refers to all insurance content related to business operations, including insurance items of various natures, and because of the size, business model, and industry type of each enterprise, the risks vary widely. The considerations and premium calculation methods All are more complicated than personal insurance. Therefore, in the past, highly-trained and experienced insurance salesmen must be used to create tailor-made corporate insurance policies for customers. In the past, the online industry insurance system or auxiliary sales system in the industry has rarely been designed for corporate insurance. The present invention combines the four major trends of big data, digitalization, group marketing, and Fintech technology of the platform economy, which will sell the demand for corporate insurance All the information is integrated in this system, including disaster case sharing of various insurance items, different laws and regulations of various counties and cities, insurance types required by different industries, and insurance limits required by different business conditions, which can be automatically brought by simple input. Provide a recommended protection plan that meets the customer's business status, and adjust the protection plan according to the customer's budget and risk appetite to produce a customer-specific cross-risk risk insurance policy. This system not only significantly reduces the information and time that insurance salespersons need to prepare when selling corporate insurance, but more importantly, through the standardization of the insurance process and the automation of quotations, it can avoid problems that affect the rights and interests of customers due to human factors of the insurance salespersons. In order to achieve comprehensive universality, the present invention considers that insurance salespersons may go to remote mountainous areas or basements to sell corporate insurance in poor or unreceived networks, and specially designed offline functions to avoid receiving Poor communication, data input interruption, or no network unavailability make the invention more practical in industry.

Another major feature of the present invention is the integration of multi-insurance database. Due to the diversification of enterprise insurance business, a product insurance company often divides its business into multiple departments based on different types of insurance. In the past, if an enterprise insurance customer had simultaneously underwritten For commercial fire insurance, employer accident insurance and cargo transportation insurance, the insurance salesperson may be required to fill in 3 pieces of customer information because the three types of insurance are handled by different departments, and get 3 departments for underwriting, and the customer may also get The three insurance policies not only cause troubles for insurance salesmen and customers, but also waste the earth's resources. Through the integration of the multi-type insurance database of the present invention, customers can purchase the protection of multiple different types of insurance at one time. The insurance salesperson only needs to enter the customer information once, and it will only produce a cross-type integrated insurance policy, which can be said to be financial A major advance in the application of technology to the insurance industry.

With the above detailed description of the preferred embodiments, it is hoped that the features and spirit of the present invention can be more clearly described, and the scope of the present invention is not limited by the preferred embodiments disclosed above. On the contrary, the intention is to cover various changes and equivalent arrangements within the scope of the patents to be applied for in the present invention. Therefore, the scope of the patent scope of the present invention should be interpreted in the broadest sense according to the above description, so that it covers all possible changes and equal arrangements.

Claims (7)

An enterprise risk assessment and insurance planning system is used to assist an insurance salesperson in selling an enterprise's cross-insurance integrated insurance, which includes: a cloud server, which includes: a cross-insurance risk database for storing a plurality of insurance types Corresponding multiple risk factors and multiple protection amount calculation rules, each risk factor corresponds to an industry classification and a business information, respectively; and a marketing database for storing multiple insurance cases and multiple insurance product data, Each insurance product information includes a product introduction, a policy clause, a disaster case, and a marketing assistance teaching case; and an enterprise insurance marketing platform that runs on a mobile device and is connected to the cloud server through an Internet connection , Which includes: a data input module for providing the insurance salesperson to input a customer operation data including the industry classification and the business information; an intelligent analysis module connected to the data input module and the cross-type insurance A risk database for matching the industry classifications entered by the data entry module Out at least one of these types of insurance to generate a demand for the business information corresponding to at least one type of insurance for the input of the information input module, and the intelligent analysis module is further based on the customer's operating data and its corresponding risk factors And these protection amount calculation rules, by performing risk assessment and calculation of the insurance amount to generate a recommended protection plan including the at least one insurance type; a protection trial calculation module connected to the intelligent analysis module for displaying and modifying the Proposed protection plan, by re-calculating the modified protection plan to customize to generate a cross-insurance protection plan; an insurance marketing data module connected to the marketing database and the protection trial calculation module for The customer's operating information searches for at least one insurance case corresponding to the insurance cases and outputs it to the protection trial module, and searches for at least one insurance commodity data corresponding to the insurance commodity data according to the proposed protection scheme and outputs to the protection Trial calculation module; a guarantee book generation module is connected to the guarantee trial calculation module to provide input for a passenger Basic information and confirm the cross-insurance protection plan, so as to automatically generate a cross-insurance insurance policy; an underwriting module connected to the insurance-insurance generation module and the cloud server to output the cross-insurance insurance policy Book and a client ’s signature to the cloud server to generate a cross-insurance integrated insurance policy through cloud underwriting; and a camera module connected to the underwriting module for taking a picture of the appearance of the insured building, And send the photograph of the appearance of the insured building to the underwriting module for cloud underwriting to generate the cross-insurance integrated insurance policy; the enterprise risk assessment and insurance planning system also includes a historical database for storing The insurance information of the insurance product data or the historical insurance data of the claims information. The cloud server updates the risk factors corresponding to the types of insurance, the calculation rules of the protection amounts, and the recommended protection scheme according to the historical insurance data. The enterprise risk assessment and insurance planning system as described in item 1 of the scope of the patent application, wherein the enterprise insurance auxiliary marketing platform downloads the risk factors and the protection of the cross-risk risk database from the cloud server through the mobile device The amount calculation rules, the insurance case of the marketing database, the insurance commodity information, and the operation is offline. According to the enterprise risk assessment and insurance planning system described in item 1 of the scope of patent application, the cloud server further includes a legal database connected to the intelligent analysis module, and the legal database stores a local government regulated insurance amount. The intelligent analysis module generates the proposed protection plan by performing risk assessment and calculation of the insurance amount based on the customer's operating data, the corresponding risk factors, the protection amount calculation rules, and the local government's regulated insurance amount. The enterprise risk assessment and insurance planning system described in item 1 of the scope of patent application, wherein the enterprise insurance auxiliary marketing platform is an application program (APP). For example, the enterprise risk assessment and insurance planning system described in item 1 of the scope of patent application, in which the historical database updates the historical insurance information each time an insurance is applied or a claim is made for the enterprise's cross-insurance integrated insurance. An enterprise risk assessment and insurance planning method is used to assist an insurance salesperson in selling an enterprise cross-insurance integrated insurance, which includes the following steps: S ₁ : pre-store a plurality of risk factors corresponding to each of the insurance types and a plurality of protection amounts Calculation rules, each risk factor corresponds to an industry classification and a business information; S ₂ : Enter a customer's operating data including the industry classification and the business information, where the business information is the industry classification to match these types of insurance The business information corresponding to at least one type of insurance; S ₃ : According to the customer's operating information, the corresponding risk factors and the protection amount calculation rules, the risk assessment and insurance amount calculation are performed to match the plurality of insurance types At least one of the types of insurance will then generate a recommended protection plan; S ₄ : Display and modify the recommended protection plan, and re-calculate the modified recommended protection plan to customize to generate a cross-line protection plan, where step S _{4 is} further Contains the following sub-steps; pre-store multiple insurance cases and multiple insurance product information, each An insurance product information includes a product introduction, an insurance policy clause, a disaster case, and a marketing assistance teaching case; at least one insurance case of these insurance cases corresponding to the customer's operating information is output, and the corresponding insurance case is output according to the proposed protection scheme At least one insurance commodity information of the insurance commodity information; and modifying the proposed protection scheme according to the at least one insurance case or the at least one insurance commodity information, and recalculating the revised protection scheme to generate the cross-insurance protection Plan; S ₅ : Enter a customer's basic information and confirm the cross-insurance protection plan, so as to automatically generate a cross-insurance claim book; and S ₆ : output the cross-insurance claim book and a customer signature, which will be verified by the cloud. A cross-insurance integrated insurance policy is then generated, in which step S ₆ further includes the following sub-steps: S ₆₁ : taking a photograph of the appearance of the insured building; and S ₆₂ : outputting the cross-insurance certificate, the exterior photograph of the insured building, and the customer Signature, the cross-insurance integrated insurance policy is generated after cloud underwriting; the enterprise risk assessment Insurance planning method further comprises the following steps: according to insurance claims information to update such information or the insurance commodity data corresponding to those risk factors, such safeguards and rules of operation of the recommended amount of security programs. According to the enterprise risk assessment and insurance planning method described in item 6 of the scope of patent application, step S ₃ further includes the following sub-steps: S ₃₁ : pre-store a local government regulated insurance amount; and S ₃₂ : according to the customer's operating information, Corresponding to these risk factors, these protection amount calculation rules and the local government's regulation of the insured amount, the risk protection and insured amount calculation are performed to generate the proposed protection plan.