TWI762024B - Method and system for converting savings and yields into insurance protection - Google Patents

Abstract

A method for converting savings and yields into insurance protection, which enables a user terminal device to display an insurance planning interface for selecting a savings account to agree on a deposit amount, selecting a deposit type, selecting a yield-to-insurance ratio, and selecting an insurance product. , provide insurance plans related to the above options for confirming whether to apply for insurance, and after confirming the insurance application, provide the user's insurance-related personal information to the life insurance server for review, and after the review is passed, it will include the insurance plan, selected The savings account and the agreed deposit amount and the insurance information of the selected deposit type are sent to the life insurance server, so that an insurance policy is generated according to the insurance information and the interest generated from the deposit amount and deposited into the selected savings account is regularly generated. deduct the premium for the policy.

Description

Method and system for converting savings and yields into insurance protection

The present invention relates to a method for purchasing insurance, in particular to a method for converting savings yields into insurance protection.

There are two types of deposits in existing banks: demand deposits and time deposits. These two types of deposits will accrue interest on a regular basis (such as monthly or yearly) according to their interest rates. Therefore, if the interest generated by the deposit can be used to purchase insurance, let Insurance is linked to the yield of savings, customers will be more willing to buy insurance without the pressure of premiums, and help customers obtain the protection they expect without any burden.

Therefore, the purpose of the present invention is to provide a method and system for converting savings and yields into insurance protection, so as to help customers choose insurance products flexibly and without burden and obtain the expected protection.

Therefore, a method for converting savings and yields into insurance protection of the present invention is applied between a bank-side server, a life insurance-side server and a user terminal device that can communicate with each other, and includes:

(A) The user terminal device establishes a connection with the bank-side server, and obtains the information of at least one savings account opened by a user in a bank from the bank-side server, so as to display an insurance planning interface, the insurance The planning interface provides the at least one savings account information for selecting a savings account and agreeing a deposit amount, providing at least one deposit type for selecting a deposit type, and providing a plurality of yield transfer insurance ratios for selecting a yield transfer insurance ratio. and providing at least one insurance product from which to select an insurance product;

(B) The user terminal device displays a corresponding one according to a selected savings account and the agreed deposit amount, a selected deposit type, a selected yield transfer insurance ratio and a selected insurance product The insurance plan is for confirming whether to apply for insurance; the insurance plan includes the selected insurance product content, an interest periodically generated according to the deposit amount and the selected deposit type, and a premium paid by the interest, wherein the premium is based on the The interest and the selected interest transfer insurance ratio are estimated, and the premium is related to the insurance amount of the selected insurance product;

(C) After the user terminal device determines that the insurance plan is confirmed to be insured, an insurance eligibility confirmation interface is displayed, and the insurance eligibility confirmation interface requires the provision of multiple insurance-related personal data related to the user, so as to generate a report containing the insurance-relevant information Request for confirmation of eligibility for insurance of personal data, and send the request for confirmation of eligibility to apply for insurance to the server of life insurance through the server of the bank, so that the server of life insurance can confirm the relevant individuals involved in the application according to the confirmation of eligibility to apply for insurance. The information is subject to insurance eligibility review, and after passing the review, the life insurance server sends an insurance eligibility confirmation message to the user terminal device through the bank server;

(D) After receiving the insurance qualification confirmation message, the user terminal device displays an insurance application information for confirmation, the insurance application information includes the insurance plan, the selected savings account, the agreed deposit amount, and the selected deposit kind; and

(E) After the user terminal device judges that the insurance application information is confirmed, the insurance application information is transmitted to the life insurance side server through the bank server, so that the life insurance side server generates and matches the insurance policy according to the insurance application information. an insurance policy related to the plan, and make the bank server generate the interest on a regular basis according to the savings account selected in the insurance application information and the agreed deposit amount and the selected deposit type and deposit the interest into the selected savings account , and the life insurance server will periodically deduct the premium of the policy from the interest deposited into the selected savings account.

In some implementation aspects of the present invention, when the selected deposit type is a fixed deposit, the deposit amount is an amount drawn from the selected savings account and agreed to be a fixed-term savings deposit, and the interest is the fixed-term deposit. The savings deposit amount is multiplied by the fixed-term deposit monthly interest rate, and the life insurance server will deduct an amount from the interest deposited into the selected savings account on a monthly basis to pay the premium.

In the above-mentioned embodiment of the present invention, after the policy expires, the life insurance terminal server will automatically renew the policy, send an automatic renewal notice to the user terminal device, and retrieve the selected savings from the An amount is debited from the account to pay the premium.

In some implementation aspects of the present invention, when the selected deposit type is living deposit, the deposit amount is agreed to be part or all of the current total deposit amount of the selected savings account, and the interest is the total deposit amount Multiply part or all of the current deposit interest rate by the current monthly interest rate, and the life insurance server will automatically deduct an amount from the interest deposited into the selected savings account on a monthly basis to pay the premium.

In the above-mentioned embodiment of the present invention, when the life insurance terminal server determines that the interest deposited in the selected savings account is not enough to pay the premium, in addition to deducting the interest to pay a part of the premium, it also deducts the interest from the selected savings account to pay the premium. deduct an amount from the savings account to pay another portion of the premium.

In the above-mentioned embodiment of the present invention, when the life insurance terminal server determines that the interest deposited in the selected savings account is not enough to pay the premium, in addition to deducting the interest to pay a part of the premium, it also deducts the interest from the selected savings account to pay the premium. deduct an amount from the savings account to pay another portion of the premium.

In some implementation aspects of the present invention, when the life insurance server determines that the selected savings account does not have the interest and the amount in the selected savings account is insufficient to pay the premium, the life insurance server Send a notification to the user terminal device that the amount of the deposit account is insufficient to pay the premium.

In some implementation aspects of the present invention, in step (B), the user terminal device transfers the selected savings account and the agreed deposit amount, the selected deposit type, and the selected yield The insurance ratio and the selected insurance product are sent to the bank-side server, and the bank-side server is based on the selected savings account and the agreed deposit amount, the selected deposit type, and the selected yield. After the transfer insurance ratio and the selected insurance product calculate the interest, the premium and the insurance limit of the insurance product, return the calculated interest, the premium and the insurance limit of the insurance product to the user terminal device.

In some implementation aspects of the present invention, in step (A), the insurance planning interface further provides at least one additional insurance option for selection for each insurance product, and the insurance amount of each additional insurance option is the N (N>1) times the insurance amount of the insured commodity; in step (B), the user terminal device selects the savings account and the agreed deposit amount, the selected deposit type, and the selected deposit amount. The yield-to-insurance ratio, the selected insurance product, and the selected add-on insurance option provide the corresponding insurance plan, and the insurance plan includes the content of the selected insurance product and the selected add-on insurance option , the interest accrued on a regular basis according to the deposit amount and the selected deposit type and the selected insurance product plus the selected premium of the multiplied insurance option.

In addition, the present invention provides a system for converting savings and yields into insurance protection, comprising a bank-side server, a life insurance-side server capable of communicating with the bank-side server, and a user terminal device capable of communicating with the bank-side server. The bank-side servers communicate with each other to execute and complete the above-mentioned method of converting the savings and yields into insurance protection.

The effect of the present invention is as follows: the bank-side server provided by the bank cooperates with the life insurance-side server provided by the life insurance company, so that the user can log in to the relevant service website provided by the bank-side server through the user terminal device, and can Through this website, you can make a one-stop deposit agreement with the bank server and apply for online insurance, and you can flexibly choose to convert part or all of the interest regularly generated by the bank account into insurance protection, so that the insurance and the savings in the bank account can yield benefits. Generate links to help bank customers (users) get the protection they expect without the burden.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are designated by the same reference numerals.

Referring to FIG. 1, it is the main flow of an embodiment of the method for converting savings and yields into insurance protection according to the present invention, which is applied to a bank server 1, a life insurance server 2 and a user that can communicate with each other between user terminal devices 3, wherein the user terminal device 3 is mainly a smart phone as an example, but is not limited to a smart phone, and may also be a tablet computer, a notebook computer, or a desktop computer.

Therefore, in this embodiment, in order to realize the method flow of FIG. 1 , the user terminal device 3 (smart phone or tablet computer) needs to install an application program in advance, such as a mobile banking application program, so that the application program can communicate with The bank-side server 1 establishes a connection and binds the user terminal device 3 to log in to the bank-side server 1, and then registers as an online insured member with the bank-side server 1 through the application, that is, The above-mentioned method and process can be implemented by applying online insurance to the bank-side server 1 through the application program. In addition, the user terminal device 3 can also directly enter a website provided by the bank-side server 1 without installing the application program, and after registering as an online insured member on the website, the website can be accessed through the website. The above-mentioned method process is implemented by applying for online insurance to the bank-side server 1 .

Therefore, after completing the above-mentioned registration as an online insured member, as shown in step S1 in FIG. 1 , the user terminal device 3 can provide the bank-side server with, for example, the user's ID card information, user ID and online banking password, etc. 1. Request the bank server 1 to provide the information of at least one savings account opened by the user in a bank, and as shown in step S2 in FIG. 1 , the user terminal 3 obtains the information provided by the bank server 1. After the user's savings account information, as shown in step S3 in FIG. 1 , the user terminal device 3 displays an insurance planning interface. As shown in FIG. 2 , the insurance planning interface provides a savings account pull-down option 21 , the savings account pull-down After the option is clicked, the insurance planning interface will display the account number of at least one savings account of the user for selecting a savings account to set a deposit amount, and when a savings account is selected, the user needs to select a savings account At least one deposit type provided by the interface, for example, select a deposit type from a certain deposit option 22 and a live deposit option 23. After the user selects the fixed deposit option 22, the user needs to provide an agreed deposit amount in the insurance planning interface Fill in a deposit amount in the field, to agree to withdraw the deposit amount from the selected savings account as a fixed-term savings deposit (referred to as fixed deposit).

At the same time, the insurance planning interface provides multiple yield-to-insurance ratios, such as three yield-to-insurance ratio options of 50%, 75%, and 100%24, from which to choose a yield-to-insurance ratio, and to provide at least one insurance product , such as "accidental death + actual payment of injury medical treatment" and "accidental death" two insurance products25, from which you can choose an insurance product; in addition, the insurance planning interface also provides at least one insurance product for each insurance product. Ride insurance options, such as “biking”, “driving”, and “ride”, are three additional insurance options 26 to choose from, and the insurance amount of each additional insurance option 26 is N( N>1) times, here, N=1.5 is taken as an example, that is, the insurance amount of each additional insurance option is 1.5 times the insurance amount of each insurance product. Of course, these add-on insurance options are not necessary and may not be selected, and in other implementation aspects, these add-on insurance options may also be omitted or not provided.

In addition, the insurance planning interface also provides a plurality of occupation categories in an occupation search window 27 for the user to select an occupation category from. Of course, in other implementations, the career search window 27 may be omitted as appropriate.

Therefore, when the user selects a savings account and selects the type of deposit as "fixed deposit", and agrees to withdraw an amount from the selected savings account, for example, 200,000 yuan is a fixed deposit (referred to as fixed deposit), and selects for example 75% of the yield is converted into insurance, and choose the insurance product "Accidental Death + Paid Out-of-Person Injury Medical Care" and the additional insurance option "Driving", and select a certain occupation category from the occupation search window 27, such as In step S4 of FIG. 1 , the user terminal device 3 will select the savings account, the selected deposit type (fixed deposit), the deposit amount (200,000) agreed as the fixed deposit, the selected deposit The ratio of yield transfer insurance (75%), the selected insurance product, the selected multi-insurance option, and the selected occupation category are included in an insurance planning request, and the insurance planning request is sent to the bank-side server device 1.

Therefore, after the bank server 1 receives the insurance plan request, as shown in step S5 in FIG. 1 , the bank server 1 generates an insurance plan according to the insurance plan request; The bank-side server 1 calculates an interest rate ( For example, 132 yuan), and then calculate a payable premium (99 yuan) according to the interest and the selected yield transfer insurance ratio (75%), and then calculate the payable premium (99 yuan) according to the selected The insurance product, the selected insurance option, and the selected occupation category, estimate the amount of insurance that can be purchased, for example, you can use the insurance cost of 95 yuan to purchase an insurance amount of 700,000, and pay for injury medical treatment of 20,000, plus The insurance amount is 1,050,000 and the insurance coverage is 30,000 yuan, and then the bank server 1 generates the insurance plan according to the above calculation and estimation results, and transmits the insurance plan to the step S6 in FIG. 1 . The user terminal device 3 .

Then, as shown in step S7 in FIG. 1 , the user terminal device 3 displays the insurance plan transmitted from the bank server 1 for the user to confirm whether to apply for insurance; as shown in FIG. 3 , the insurance plan includes the selected insurance plan. The content of the insurance product (the amount of insurance purchased), the protection content of the selected multiplier insurance, the interest (132 yuan) accrued on a regular (monthly) basis on the time savings deposit, and the regular (monthly 1) payment of the Premium (95 yuan).

Therefore, when the user terminal device 3 determines that the user confirms to apply for the insurance plan, for example, after the user selects a "confirm insurance" option in the display screen of the insurance plan in Fig. 3, as shown in step S8 in Fig. 1, the use The user terminal device 3 then displays an insurance qualification confirmation interface, as shown in FIG. 4 , the insurance qualification confirmation interface requires the user to provide multiple insurance related personal information, such as personal health-related information and personal financial-related information; when the user provides the After the insurance application-related personal information is confirmed (for example, clicking the "Next" option in the screen shown in Figure 4), the user terminal device 3 will generate an insurance eligibility confirmation request including the insurance application-related personal information, and As shown in step S9 in FIG. 1 , the request for confirming the insurance qualification is sent to the bank server 1 .

Next, as shown in step S10 in FIG. 1 , the bank server 1 transmits the received insurance qualification confirmation request to the life insurance server 2 , and then, as shown in step S11 in FIG. 1 , the life insurance server 2 According to the insurance-related personal information included in the insurance qualification confirmation request, the insurance qualification examination is carried out, and after passing the examination, the life insurance terminal server 2 generates an insurance qualification confirmation message, as shown in steps S12 and S13 in FIG. 1 , the The life insurance side server 2 transmits the insurance eligibility confirmation message to the user terminal device 3 through the bank side server 1 .

After the user terminal device 3 receives the insurance eligibility confirmation message, as shown in step S14 in FIG. 1 , the user terminal device 3 will display an insurance application information including the insurance plan for confirmation. As shown in FIG. 5 , the insurance application information In addition to the insurance plan, it also includes the savings account selected by the user (the amount of 200,000 transferred out as a fixed savings deposit and an account with fixed deposit yields), the agreed deposit amount (the fixed deposit amount) and the deposit In addition, the insurance application information may further include information such as interest rate type, interest collection method and fixed deposit period, as shown in Figure 5.

Then, after the user terminal device 3 judges that the user confirms the insurance application information (for example, selecting the “Confirm” option in the insurance application information screen shown in FIG. 5), the user terminal device 3 shows steps S15 and S16 in FIG. 1 . The insurance application information is sent to the bank-side server 1 , and then the received insurance application information is forwarded to the life insurance-side server 2 via the bank-side server 1 . Therefore, the bank-side server 1 can, according to the user-selected savings account included in the insurance application information (transfer out the amount of 200,000 as a fixed deposit and deposit it into an account with fixed deposit yields) and the agreed deposit The amount (time savings deposit), the type of deposit, the type of interest rate and the method of receiving interest, etc., perform time deposit operations, and generate a time deposit record; after that, the user can use the online banking application installed in the user terminal device 3. Or log in to the online banking website provided by the bank server 1 to inquire about the fixed deposit.

Then, as shown in step S17 in FIG. 1 , after the life insurance server 2 generates an insurance policy related to the insurance plan according to the insurance application information, the life insurance server 2 generates an insurance policy subscription completion message, as shown in FIG. 1 . In steps S18 and S19, the bank-side server 1 transmits the policy subscription completion message to the user terminal device 3, so that the user terminal device 3 executes step 20 in FIG. 1 to display the received policy subscription completion message, As shown in FIG. 6 , the policy purchase completion message includes an explanation of the effective date of the time savings deposit (time deposit) and the effective date of the purchased policy.

Thereby, one month after the effective date of the fixed deposit, the bank server 1 will accrue the interest (RMB 132) (monthly interest) according to the deposit amount (namely fixed deposit) agreed in the insurance application information and deposit it into After the savings account is selected, and the life insurance server 2 will deduct the premium (RMB 95) of the policy from the interest deposited in the selected savings account, the policy will take effect; after that, the bank The terminal server 1 will continue to accrue the interest on a regular (monthly) basis according to the deposit amount agreed in the insurance information and deposit it into the selected savings account, and the life insurance terminal server 2 will regularly (monthly) from the deposit. deduct the premium of the policy from the interest credited into the savings account selected until the policy matures.

In addition, when the policy expires, the life insurance server 2 will automatically renew the policy, and the life insurance server 2 sends an automatic renewal notice to the user terminal device 3 via email or SMS. , and instead pay the premium by debiting an amount from the savings account that was selected.

In addition, as shown in FIG. 2, in step S3, when the user selects a savings account, but selects the live deposit option 23 as the type of deposit, it means that the selected savings account is to be stored in the current savings account. A part or all of the total deposit amount is used as the agreed deposit amount. For example, if the total deposit amount is 5 million, the user can specify 3 million or all (5 million) of them as the deposit amount, and select the selected After the yield transfer insurance ratio, the selected insurance product, the selected multiplication insurance option (not necessary), and the selected occupation category (not necessary), in step S4, the user terminal device 3. The insurance plan request including the above options will be generated and sent to the bank-side server 1, then in step S5, the bank-side server 1 will be based on the transmitted insurance plan request content, according to the selected The total deposit amount (current deposit) currently stored in the savings account and the current monthly interest rate of a current deposit, calculate the monthly interest that can be generated by the total deposit amount, and then transfer the interest according to the interest and the selected interest. The insurance ratio calculates the premium that can be paid, and then estimates the amount of insurance that can be purchased for the selected insurance product and the selected multi-insurance option (not necessarily) according to the payable premium and occupation category (not necessary), Then the bank server 1 generates the insurance plan according to the above calculation and estimation results. The remaining steps S6 to S20 are the same as the above-mentioned contents, and will not be repeated here.

Thereby, one month after the purchase of the policy is completed, the bank server 1 will generate an interest (monthly distribution) according to the deposit amount agreed in the insurance application information (ie, the total deposit amount stored in the selected savings account). interest) and deposited into the selected savings account, and the life insurance terminal server 2 deducts the premium of the policy from the interest deposited into the selected savings account, the policy becomes effective; after that, the bank The terminal server 1 will continue to accrue the interest on a regular (monthly) basis according to the deposit amount agreed in the insurance information and deposit it into the selected savings account, and the life insurance terminal server 2 will regularly (monthly) from the deposit. deduct the premium of the policy from the interest credited into the savings account selected until the policy matures.

It is worth mentioning that, because the total deposit amount stored in the selected savings account is usually not fixed (live), the interest generated each month is also not fixed; therefore, when the life insurance The insurance terminal server 2 is to deduct the premium from the interest deposited in the selected savings account, but when it is judged that the interest is not enough to pay the premium, in order to keep the insurance policy effective so that the protection will not be interrupted, the life insurance terminal In addition to deducting the interest to pay part of the premium, the server 2 also deducts an amount from the selected savings account to pay another part of the premium.

In addition, when the life insurance side server 2 wants to deduct money from the selected savings account, it is determined that the selected savings account does not have the interest (for example, the user cancels the fixed deposit or the living deposit in the middle and no longer When the amount in the selected savings account is not enough to pay the premium, the life insurance server 2 will send a notification that the amount of the savings account is insufficient to pay the premium to the user via e-mail or SMS. The user terminal device 3 is used to remind the user (the policyholder).

To sum up, in the above embodiment, the bank-side server 1 provided by the bank cooperates with the life insurance-side server 2 provided by the life insurance company, so that the user can log in to the relevant services provided by the bank-side server 1 through the user terminal device 3 A website, such as an online bank, can make a one-stop deposit agreement with the bank-side server 1 and apply for online insurance through the website, and can flexibly choose to convert part or all of the regular interest generated by the bank account into insurance protection , so that the insurance is linked with the savings and yields of the bank account, helping the bank customer (user) to obtain the expected protection without any burden, thereby achieving the effect and purpose of the present invention.

However, the above are only examples of the present invention, and should not limit the scope of the present invention. Any simple equivalent changes and modifications made according to the scope of the application for patent of the present invention and the content of the patent specification are still within the scope of the present invention. within the scope of the invention patent.

1: Bank server 2: Life insurance server 3: User terminal device 21: Savings Account Dropdown Options 22: Fixed deposit option 23: Survival option 24: Yield transfer insurance ratio option 25: Insurance Commodities 26: Plus Ride Insurance Options 27: Career Search Window S1~S20: Steps

Other features and effects of the present invention will be clearly shown in the embodiments with reference to the drawings, wherein: FIG. 1 shows the flow steps of an embodiment of the method for converting savings and yields into insurance protection according to the present invention; FIG. 2 is a schematic diagram of an insurance planning interface displayed by the user terminal device of the present embodiment; FIG. 3 is a schematic diagram of the content of the insurance plan displayed by the user terminal device of the present embodiment; FIG. 4 is a schematic diagram of an insurance qualification confirmation interface displayed by the user terminal device of the present embodiment; FIG. 5 is a schematic diagram of the content of insurance application information displayed by the user terminal device of the present embodiment; and FIG. 6 is a schematic diagram of a user terminal device of the present embodiment displaying a policy subscription completion message.

1: Bank server

2: Life insurance server

3: User terminal device

S1~S20: Steps

Claims (16)

A method for converting savings and yields into insurance protection is applied between a bank server, a life insurance server and a user terminal device that can communicate with each other, and includes: (A) The user terminal device establishes a connection with the bank-side server, and obtains the information of at least one savings account opened by a user in a bank from the bank-side server, so as to display an insurance planning interface, the insurance The planning interface provides the at least one savings account information for selecting a savings account and agreeing a deposit amount, providing at least one deposit type for selecting a deposit type, and providing a plurality of yield transfer insurance ratios for selecting a yield transfer insurance ratio. and providing at least one insurance product from which to select an insurance product; (B) The user terminal device displays a corresponding one according to a selected savings account and the agreed deposit amount, a selected deposit type, a selected yield transfer insurance ratio, and a selected insurance product The insurance plan is for confirming whether to apply for insurance; the insurance plan includes the selected insurance product content, an interest periodically generated according to the deposit amount and the selected deposit type, and a premium paid by the interest, wherein the premium is based on the The interest and the selected interest transfer insurance ratio are estimated, and the premium is related to the insurance amount of the selected insurance product; (C) After the user terminal device determines that the insurance plan is confirmed to be insured, an insurance eligibility confirmation interface is displayed, and the insurance eligibility confirmation interface requires the user to provide a plurality of insurance-related personal data, so as to generate a Request for confirmation of eligibility for insurance application of personal data, and transmit the request for confirmation of eligibility to apply for insurance to the server on the side of life insurance through the server on the bank side, so that the server on the side of life insurance side according to the relevant individuals involved in the application of insurance included in the request for confirmation of eligibility for insurance application The information is subject to insurance eligibility review, and after passing the review, the life insurance server sends an insurance eligibility confirmation message to the user terminal device through the bank server; (D) After receiving the insurance eligibility confirmation message, the user terminal device displays an insurance application information for confirmation, the insurance application information includes the insurance plan, the selected savings account, the agreed deposit amount, and the selected deposit kind; and (E) After judging that the insurance application information is confirmed, the user terminal device transmits the insurance application information to the life insurance side server through the bank-side server, so that the life insurance-side server generates an insurance policy based on the insurance application information. an insurance policy related to the plan, and make the bank server generate the interest on a regular basis according to the savings account selected in the insurance application information and the agreed deposit amount and the selected deposit type and deposit the interest into the selected savings account , and the life insurance server will periodically deduct the premium of the policy from the interest deposited into the selected savings account. According to the method for converting savings and yields into insurance protection as described in claim 1, when the type of deposit selected is a fixed deposit, the deposit amount is an amount drawn from the selected savings account and agreed to be a fixed-term savings deposit , and the interest is the amount of the fixed deposit multiplied by the monthly interest rate of the fixed deposit, and the life insurance server will deduct an amount from the interest deposited into the selected savings account on a monthly basis to pay the premium. The method for converting savings and yields into insurance protection as described in claim 2, wherein after the policy expires, the life insurance server will automatically renew the policy and send an automatic renewal notice to the user terminal device, And an amount is debited from the selected savings account to pay the premium. The method for converting savings and yields into insurance protection as described in claim 1, wherein when the type of deposit selected is living deposit, the deposit amount is agreed to be part or all of the current total deposit amount of the selected savings account, The interest is part or all of the total deposit amount multiplied by the current monthly interest rate of a current deposit, and the life insurance server will automatically deduct an amount from the interest deposited into the selected savings account on a monthly basis to pay the premium. The method for converting savings yields into insurance protection according to claim 4, wherein when the life insurance server determines that the interest deposited in the selected savings account is not enough to pay the premium, except for deducting the interest to pay the premium In addition to a portion, an amount is debited from the savings account selected to pay another portion of the premium. The method for converting savings yields into insurance protection according to any one of claims 1 to 5, wherein the life insurance server determines that the selected savings account does not have the interest and the selected savings account has an amount in the savings account When the insurance premium is insufficient to be paid, the life insurance terminal server sends a notification to the user terminal device that the amount of the deposit account is insufficient to pay the insurance premium. According to the method for converting savings yields into insurance protection as described in claim 1, in step (B), the user terminal device converts the selected savings account and the agreed amount of the deposit, the selected type of the deposit, the selected The selected yield-to-insurance ratio and the selected insurance product are sent to the bank-side server, and the bank-side server is based on the selected savings account and the agreed deposit amount, the selected deposit type, After calculating the interest, the premium and the insurance limit of the insurance product for the selected interest-to-insurance ratio and the selected insurance product, the calculated interest, the premium and the insurance limit of the insurance product will be returned. to the user terminal device. According to the method for converting savings and yields into insurance protection according to claim 6, in step (A), the insurance planning interface further provides at least one additional insurance option for each insurance product for selection, and each additional insurance option The insurance amount is N (N>1) times the insurance amount of each insurance product; in step (B), the user terminal device selects the savings account and the agreed deposit amount according to the selected savings account and the agreed deposit amount. The type of deposit, the selected interest transfer insurance ratio, the selected insurance product, and the selected multiplication insurance option provide the corresponding insurance plan, and the insurance plan includes the content of the selected insurance product and the selected insurance product. the added insurance option, the interest accrued periodically according to the deposit amount and the selected type of deposit, and the selected insurance product plus the premium of the selected multi-insurance option. A system for converting savings yields into insurance coverage, including: a bank server; A life insurance side server capable of communicating with the bank side server; and A user terminal device capable of communicating with the bank-side server: wherein The user terminal device establishes a connection with the bank-side server, and obtains information of at least one savings account opened by a user in a bank from the bank-side server, so as to display an insurance planning interface. The insurance planning interface provides The at least one savings account information is used for selecting a savings account and specifying a deposit amount, providing at least one deposit type from which to select a deposit type, providing multiple yield transfer insurance ratios from which to select a yield transfer insurance ratio, and providing at least one yield transfer insurance ratio. an insurance product from which to select an insurance product; The user terminal device displays a corresponding insurance plan according to the selected savings account and the agreed deposit amount, the selected deposit type, the selected yield transfer insurance ratio and the selected insurance product. Confirm whether to apply for insurance; the insurance plan includes the content of the selected insurance product, an interest periodically generated according to the deposit amount and the selected deposit type, and an insurance premium paid by the interest, wherein the insurance premium is based on the interest and the insurance premium. The selected yield transfer insurance ratio is estimated, and the premium is related to the insurance amount of the selected insurance product; After judging that the insurance plan is confirmed to be insured, the user terminal device displays an insurance eligibility confirmation interface. The insurance eligibility confirmation interface requires the user to provide a plurality of insurance-related personal data, so as to generate an insurance policy containing the insurance-related personal data. Request for confirmation of insurance eligibility, and transmit the request for confirmation of insurance eligibility to the life insurance server through the bank server, so that the life insurance server can apply for insurance according to the relevant personal information contained in the request for confirmation of insurance eligibility Eligibility review, and after passing the review, the life insurance server sends an insurance eligibility confirmation message to the user terminal device through the bank server; After receiving the insurance qualification confirmation message, the user terminal device displays an insurance application information for confirmation, and the insurance application information includes the insurance plan, the selected savings account, the agreed deposit amount, and the selected deposit type; After judging that the insurance application information is confirmed, the user terminal device transmits the insurance application information to the life insurance side server through the bank server, and the life insurance side server generates an information related to the insurance plan according to the insurance application information. insurance policy, and the bank-side server regularly generates the interest according to the savings account selected in the insurance information and the agreed deposit amount and the selected deposit type and deposits the interest into the selected savings account, and the life insurance The terminal server will periodically deduct the premium of the policy from the interest credited to the savings account selected. According to the system for converting savings and yields into insurance protection as described in claim 9, when the type of deposit selected is fixed deposit, the deposit amount is an amount drawn from the selected savings account and agreed as a fixed-term savings deposit , and the interest is the amount of the fixed deposit multiplied by the monthly interest rate of the fixed deposit, and the life insurance server will deduct an amount from the interest deposited into the selected savings account on a monthly basis to pay the premium. The system for converting savings and yields into insurance protection as described in claim 10, wherein after the policy expires, the life insurance server will automatically renew the policy, and transmit an automatic renewal notice to the user terminal device, And an amount is debited from the selected savings account to pay the premium. The system for converting savings and yields into insurance protection as described in claim 9, wherein when the selected deposit type is living deposit, the deposit amount is agreed to be part or all of the current total deposit amount of the selected savings account, The interest is part or all of the total deposit amount multiplied by the current monthly interest rate of a current deposit, and the life insurance server will automatically deduct an amount from the interest deposited into the selected savings account on a monthly basis to pay the premium. The system for converting savings yields into insurance protection as described in claim 12, wherein when the life insurance server determines that the interest deposited in the selected savings account is not enough to pay the premium, except for deducting the interest to pay the premium In addition to a portion, an amount is debited from the savings account selected to pay another portion of the premium. According to any one of claim 9 to 13, the system for converting savings yields into insurance protection, wherein the life insurance side server determines that the selected savings account does not have the interest and the selected savings account has an amount in the savings account When the insurance premium is insufficient to be paid, the life insurance terminal server sends a notification to the user terminal device that the amount of the deposit account is insufficient to pay the insurance premium. The system for converting savings and yields into insurance protection as described in claim 9, wherein the user terminal device transfers the selected savings account and the agreed deposit amount, the selected deposit type, and the selected yields to insurance coverage. The insurance ratio and the selected insurance product are sent to the bank-side server, and the bank-side server is based on the selected savings account and the agreed deposit amount, the selected deposit type, and the selected yield. After the transfer insurance ratio and the selected insurance product calculate the interest, the premium and the insurance limit of the insurance product, return the calculated interest, the premium and the insurance limit of the insurance product to the user terminal device. The system for converting savings and yields into insurance protection as claimed in claim 14, wherein the insurance planning interface further provides at least one multiplier insurance option for each insurance product, and the insurance amount of each multiplier insurance option is the amount of each of the multiplier insurance options. N (N>1) times the insurance amount of the insurance product; the user terminal device is based on the selected savings account and the agreed deposit amount, the selected deposit type, the selected yield transfer insurance ratio, The selected insurance product and the selected multi-insurance option provide the corresponding insurance plan, and the insurance plan includes the selected insurance product content and the selected multi-insurance option, according to the deposit amount and the selected multi-insurance option. The interest accrued on a regular basis for the selected deposit type and the selected insurance product plus the premium for the selected multiplier insurance option.

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