TWI758898B - Insurance purchasing suggestion system and insurance purchasing suggestion method - Google Patents

Abstract

The present disclosure provides an insurance purchasing suggestion system and an insurance purchasing suggestion method. The insurance purchasing suggestion system includes a server and an electronic device coupled to the server. The electronic device login to the server and transmits a purchasing request to the server, wherein the purchasing request includes a risk data set and a risk affording level. The risk data set includes at least one risk data. The server searches multiple commodities corresponding to at least one of the risk data in a commodity database and forms multiple commodity combinations from the commodities. The server calculates a claim settlement result of each one of the commodity combinations corresponding to the risk data set. The server transmits the commodity combinations and the corresponding claim settlement results to the electronic device.

Description

Insurance purchase suggestion system and insurance purchase suggestion method

The present disclosure relates to an insurance purchase suggestion system and an insurance purchase suggestion method, and in particular, to an insurance purchase suggestion system and an insurance purchase suggestion method that utilizes risk data and commodity information to calculate the best combination of commodities.

The sales of insurance mostly depend on the recommendation and sales of insurance salesmen. On the other hand, when selling insurance policies, insurance salesmen will take a certain commission based on the amount of insurance policies sold as remuneration. However, due to the consideration of their own interests at the same time, the insurance policy recommended by the insurance salesman is not necessarily the policy that is really suitable for the user. In addition, the quality, experience or emotions of the insurance salesman will inevitably affect the insurance policies of the users he recommends.

Although many platforms now provide online insurance application services, however, in the current online platforms, various insurance policies can only be roughly classified, and there is no way to provide users with good advice. Therefore, how to provide insurance purchasing advice close to users is a problem that those in the art are devoted to.

In view of this, the present disclosure provides an insurance purchase suggestion system and an insurance purchase suggestion method to provide insurance product combinations according to user needs.

The present disclosure provides an insurance purchase recommendation system, including: a server; and an electronic device coupled to the server. The electronic device logs into the server and transmits a purchase request to the server, wherein the purchase request includes a risk data set and a risk tolerance level, and the risk data set includes at least one risk data. The server searches the commodity database for a plurality of commodities corresponding to at least one risk data, and combines the commodities into a plurality of commodity combinations. The server calculates the claim settlement result for each corresponding risk data set of the commodity combination. The server transmits the product combination and the corresponding claim settlement result to the electronic device.

This disclosure proposes an insurance purchase suggestion method, which is applicable to an insurance purchase suggestion system. The insurance purchase recommendation system includes electronic devices and servers. The insurance purchase suggestion method includes: logging in to a server through an electronic device and sending a purchase request to the server, wherein the purchase request includes a risk data set and a risk tolerance level. The risk data set includes at least one risk data; the server searches the commodity database for a plurality of commodities corresponding to the at least one risk data, and combines the commodities into a plurality of commodity combinations; calculates each commodity combination by the server The claim settlement result corresponding to the risk data set; the commodity combination and the corresponding claim settlement result are transmitted to the electronic device through the server.

Based on the above, the insurance purchase suggestion system and insurance purchase suggestion method of the present disclosure will provide the user to send the risk data set and the risk tolerance level to the server to inquire about the insurance products. The server searches the commodity database for a plurality of commodities corresponding to at least one risk data, combines the commodities into a plurality of commodity combinations, and then calculates a claim settlement result corresponding to the risk data set for each commodity combination. Finally, the server will transmit the product combination and the corresponding claim settlement result to the electronic device for the user's reference.

FIG. 1 is a block diagram of an insurance purchase suggestion system according to an embodiment of the present disclosure.

Referring to FIG. 1 , an insurance purchase recommendation system 100 according to an embodiment of the present disclosure includes a server 110 and an electronic device 120 . The electronic device 120 is coupled to the server 110 through a wired or wireless network. The electronic device 120 is, for example, a user's personal computer, a smart phone, a tablet computer, or other similar devices. The user can use the electronic device 120 to log in to the server 110 and send an insurance purchase request to the server 110 , and the server 110 can query the product database according to the insurance purchase request to provide a suggested combination of insurance products to the user. Both the server 110 and the electronic device 120 may include a communication chip (not shown in the figure), a storage device (not shown in the figure) and a processing module (not shown in the figure).

The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, broadband code division Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) ) system, a fifth-generation mobile communication network (5th ^Generation Mobile Network, 5G) system, or a component of Bluetooth signal transmission.

The storage device can be any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), hard disk ( Hard Disk Drive, HDD), solid state drive (Solid State Drive, SSD) or similar components or a combination of the above components.

The processing module can be a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessors (Microprocessors), digital signal processors (DSPs), programmable integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or a combination of the above components.

In one embodiment, the user can use the electronic device 120 to log in to the server 110 and send a purchase request to the server 110 . The purchase request includes the set of risk data and the level of risk exposure. The risk data set includes a plurality of risk data (eg, disease risk data and traffic accident risk data, etc.). For example, the risk data may include medical cost risk data for a disease. Medical expense risk data may include whether there is a decrease in work income, use of health insurance status to seek medical treatment, surgery, hospitalization, outpatient service, etc. and the corresponding expenses, such as the reduction in work income of 600,000 yuan, inpatient medical expenses of 80,000 yuan, surgical medical expenses of 20,000 yuan, radiation Treatment and medical expenses are 80,000 yuan, and drug expenses are 1,200,000 yuan. Risk data may also include traffic accident risk data. Traffic accident risk data may include whether there is a car tow, car body repair, scooter during repair, financial responsibility to others, condolences to the injured, passenger injury, driver medical treatment, etc. and the corresponding costs, such as car tow costs 18,000 yuan, 108,000 yuan for body repair, 30,000 yuan for scooters during the repair period, 48,000 yuan for property liability to others, 6,000 yuan for condolences to the injured, 7,000 yuan for passenger injuries, and 26,000 yuan for driver medical expenses. At the same time, users can also input user information, including vehicle information (for example, commercial or household, brand, vehicle model, displacement, driving license information, etc.), vehicle owner information (for example, identity information, car habits, etc.) , Medical-related information of the insured (for example, gender, age, occupation, health status, medical treatment information, health insurance card usage records), etc.

Risk data can be obtained from a risk database. The risk database can be self-created, self-collected statistics, user-created, risk-related statistical data of relevant government departments or various legal entities (not limited to manual download or application program interface reading). Risk databases can be built through manual or machine analysis.

The risk-taking degree is the risk-taking degree that should be achieved for the damage of the insurance product corresponding to the risk data. In one embodiment, the degree of risk-taking may include a full commitment of less than a predetermined amount, for example, a full commitment of less than 5 million yuan. In another embodiment, the degree of risk exposure may include partial commitments above or below a predetermined amount, for example, 10% of the deductible above 100,000 yuan, 10% of the deductible below 1 million yuan, 100,000 yuan of deductible above 500,000 yuan, and 100,000 yuan. The deductible amount below 10,000 yuan is 100,000 yuan, etc.

After receiving the risk data set and the risk taking level input by the user, the server 110 may search the commodity database for a plurality of commodities corresponding to at least one risk data, and combine at least some commodities of the plurality of commodities into a plurality of commodities combination. Each commodity combination includes a plurality of commodities and the number of units corresponding to each commodity (eg, one unit of the first commodity and two units of the second commodity). Next, the server 110 may calculate the claim settlement result of each corresponding risk data set of the commodity combination and transmit the commodity combination and the corresponding claim settlement result to the electronic device 120 . The server 110 may also sort the commodity combinations according to the premium amount and transmit the sorted commodity combinations to the electronic device 120 .

On the other hand, when the claim settlement result corresponding to the risk data set of the plurality of first commodity combinations in the commodity combination is greater than or equal to the risk tolerance level, the server 110 may transmit the first commodity combination to the electronic device 120 . In one embodiment, when the claim settlement result corresponding to each risk data set of the first commodity combination is greater than the risk bearing degree, the server 110 determines that the claim settlement result corresponding to the risk data set of the first commodity combination is greater than the risk bearing degree. In another embodiment, when the claim settlement result corresponding to at least part of the risk data of the first commodity combination is greater than the risk bearing level, the server 110 determines that the claim settlement result corresponding to the risk data set of the first commodity combination is greater than the risk bearing level.

In one embodiment, when the claim settlement results of the risk data sets corresponding to the plurality of second commodity combinations in the commodity combination are greater than or equal to the risk tolerance level and the total premium of the second commodity combination is less than the insurance premium threshold, the server 110 assigns the second commodity The combination is transmitted to the electronic device 120 . That is to say, the server 110 may only transmit the second product combination whose premium is less than the premium threshold to the electronic device 120 for the user's reference, so as to facilitate the user's selection. The premium threshold can be a preset value or set by the user.

In one embodiment, when there is no claim result of the risk data set corresponding to any commodity combination in the commodity combination that is greater than or equal to the risk tolerance level, the server 110 transmits the third commodity combination to the electronic device 120, and the third commodity combination corresponds to the risk data The difference between the third risk-taking degree of the set and the risk-taking degree is smaller than the difference between the other risk-taking degrees and the risk-taking degree of the risk data sets corresponding to other commodity combinations other than the third commodity combination in the commodity combination. In this way, the server 110 can find a commodity combination closest to the level of the risk itinerary input by the user and provide it to the user if the commodity combination cannot be found.

It is worth noting that, while sending the purchase request, the user can also select the products that must or must not be included in the product combination, the company and country where the product is issued, and the products that must be included in the product combination. The product issuing company or the product issuing country, or the product issuing company or the product issuing country, etc. that must not be included.

FIG. 2 is a flowchart of an insurance purchase suggestion method according to an embodiment of the present disclosure.

Referring to FIG. 2, in step S201, an electronic device is used to log in to the server and send a purchase request to the server, wherein the purchase request includes a risk data set and a risk tolerance level, and the risk data set includes at least one risk data.

In step S202, the server searches for a plurality of commodities corresponding to at least one risk data in the commodity database, and combines the commodities into a plurality of commodity combinations.

In step S203, the claim settlement result of each corresponding risk data set of the commodity combination is calculated by the server.

In step S204, the product combination and the corresponding claim settlement result are transmitted to the electronic device through the server.

To sum up, the insurance purchase suggestion system and insurance purchase suggestion method of the present disclosure will provide the user to send the risk data set and the risk tolerance level to the server to inquire about insurance products. The server searches the commodity database for a plurality of commodities corresponding to at least one risk data, combines the commodities into a plurality of commodity combinations, and then calculates a claim settlement result corresponding to the risk data set for each commodity combination. Finally, the server will transmit the product combination and the corresponding claim settlement result to the electronic device for the user's reference.

Although the present disclosure has been disclosed above with examples, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of the present disclosure shall be determined by the scope of the appended patent application.

100: Insurance purchase suggestion system 110: Server 120: Electronic Devices S201~S204: Steps of the suggested method of insurance purchase

FIG. 1 is a block diagram of an insurance purchase suggestion system according to an embodiment of the present disclosure. FIG. 2 is a flowchart of an insurance purchase suggestion method according to an embodiment of the present disclosure.

S201~S204: Steps of the suggested method of insurance purchase

Claims (10)

An insurance purchase recommendation system, comprising: a server; and an electronic device coupled to the server, wherein the electronic device logs into the server and transmits a purchase request to the server, wherein the purchase request includes a risk data set and a risk taking level, the risk data set includes at least one risk data; the server searches a commodity database for a plurality of commodities corresponding to the at least one risk data, and combines the commodities into a plurality of commodities Commodity combinations; the server calculates a claim settlement result corresponding to the risk data set for each of the commodity combinations; and wherein when the claim settlement results of the plurality of first commodity combinations in the commodity combinations corresponding to the risk data set are greater than equal to the risk bearing level, the server transmits the first commodity combinations and the corresponding claim settlement results to the electronic device, wherein the risk bearing level is the achievement of the damage of the first commodity combinations to the at least one risk data level of risk taking. The insurance purchase suggestion system according to claim 1, wherein the risk taking degree includes full taking on a predetermined amount or less. The insurance purchase suggestion system of claim 1, wherein the server sorts the first commodity combinations according to a premium amount and transmits the sorted first commodity combinations to the electronic device. The insurance purchase suggestion system according to claim 1, wherein when the claim settlement results of the first commodity combinations corresponding to each of the at least one risk data are greater than or equal to the risk bearing level, the server determines that the first product combinations The claim settlement result of the commodity combination corresponding to the risk data set is greater than or equal to the risk bearing degree. The insurance purchase suggestion system according to claim 1, wherein when the claim settlement result corresponding to at least part of the at least one risk data of the first commodity combinations is greater than or equal to the risk bearing level, the server determines the first commodities The claim settlement result of the combination corresponding to the risk data set is greater than or equal to the risk taking degree. The insurance purchase suggestion system according to claim 1, wherein when the claim settlement result of the plurality of second commodity combinations in the commodity combinations corresponding to the risk data set is greater than or equal to the risk bearing degree and a When the total premium is less than a premium threshold, the server transmits the second commodity combinations to the electronic device. The insurance purchase suggestion system according to claim 1, wherein when the claim settlement result corresponding to the risk data set does not exist in any commodity combination in the commodity combination is greater than or equal to the risk bearing degree, the server assigns a third commodity combination sent to the electronic device, wherein the difference between a third risk-taking degree of the third commodity combination corresponding to the risk data set and the risk-taking degree is smaller than that of other commodity combination pairs other than the third commodity combination in the commodity combination The difference between other exposure levels of the risk data set and this exposure level. The insurance purchase suggestion system of claim 1, wherein each of the commodity combinations includes part of the commodities and a unit number corresponding to some of the commodities. The insurance purchase suggestion system according to claim 1, wherein the risk data includes a disease risk data and a traffic accident risk data. An insurance purchase suggestion method is suitable for an insurance purchase suggestion system. The insurance purchase suggestion system includes an electronic device and a server. The insurance purchase suggestion method includes: logging into the server through the electronic device and sending A shopping request is sent to the server, wherein the shopping request includes a risk data set and a risk taking level, the risk data set includes at least one risk data; the server searches a commodity database corresponding to at least one risk data A plurality of commodities with risk data, and combine the commodities into a plurality of commodity combinations; calculate, by the server, a claim settlement result corresponding to the risk data set for each of the commodity combinations; and when the commodities are The claim settlement results of the plurality of first commodity combinations in the combination corresponding to the risk data set are greater than or equal to the risk tolerance level, and the server transmits the first commodity combinations and the corresponding claim settlement results to the electronic device, Wherein, the risk bearing level is the risk bearing level achieved by the first commodity combinations against the damage of the at least one risk data.

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