TWI814194B - Online Intelligent Matching Insurance System - Google Patents

Abstract

An online intelligent matching insurance application system, including: a server, which receives location information from a prospective customer's Internet device, and determines whether the prospective customer wants to apply for insurance; and a salesperson database module, which receives the described Location information, and stores several pieces of salesperson information. Each salesperson information records the salesperson's identification code, administrative area, and rating. The salesperson database module filters out several pieces of salesperson information in the administrative area that match the location information from the salesperson information to generate a salesperson list. When the server determines that the prospective customer wants to insure the insurance product, the server generates a call request and sends it to the salesperson with the highest score in the salesperson list who matches the salesperson data and accesses the Internet. device.

Description

Online intelligent matching insurance system

The present invention relates to an insurance application system, in particular to an online intelligent matching insurance application system.

Although all insurance companies currently have websites for users to apply for insurance online, online insurance and physical business services are still basically separated. Especially for life insurance products with high complexity, the online to offline (O2O) method is used to dispatch the products manually, and the user must make an appointment online first, and then the insurance company will send a dedicated person. contact, so the timeliness is low.

Therefore, the purpose of the present invention is to provide an online intelligent matching insurance system.

Therefore, the online intelligent insurance matching system of the present invention is suitable for prospective customers' Internet devices that are used by prospective customers and have location information, and several salesperson Internet devices that are used by several salesmen respectively, and includes: a server. On receiving said prospective customers The location information transmitted from the network device is used to determine whether the prospective customer wants to apply for insurance; and a salesperson database module is electrically connected to the server, receives the location information, and stores the data respectively. Several pieces of salesperson data for each salesperson. Each salesperson data record corresponds to the salesperson's identification code, administrative area, and rating. The salesperson database module filters out the administrative area that matches the requirements from the salesperson data. Several pieces of the location information match the salesperson information to generate a salesperson list. When the server determines that the prospective customer wants to insure the insurance product, the server generates a call request and sends it to the salesperson corresponding to the salesperson data with the highest score in the salesperson list. Internet access device.

The effect of the present invention is that: the salesperson database module can filter out from the salesperson data several pieces of salesman data in the administrative area that match the location information of the prospective customer's Internet device to generate all the salesperson data. Then, when the prospective customer wants to apply for the insurance, the server can immediately generate the call request and send it to the qualified business with the highest score in the salesperson list. The salesperson's Internet access device corresponding to the salesperson's information, so the timeliness of matching the prospective customer and the salesperson is very high.

1:Server

11:Geolocation interface module

12:Chatbot module

13: Q & A database

2: Salesperson database module

21: Salesperson list

3: Dialogue video repository

4: Prospective customer list database

5: Speech to text module

6: Rating module

7: Prospective customer’s Internet access device

8: Salesperson’s Internet access device

S91~S98: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram illustrating an embodiment of the online intelligent matching insurance system of the present invention; and Figure 2 is a flow chart illustrating that in this embodiment, the scoring module in the online intelligent matching insurance system calculates the salesperson's The scoring rules according to which the score will be scored.

Referring to Figures 1 to 2, the embodiment of the online intelligent insurance matching system of the present invention is applicable to the prospective customer's Internet device 7 (such as a personal computer or a smart phone, etc.) used by the prospective customer and having location information, and several respective A salesperson's Internet access device 8 (such as a personal computer or a smart phone, etc., and Figure 1 only shows one salesperson's Internet access device 8) used by several salesmen.

In the embodiment, the online intelligent insurance matching system includes a scoring module 6, a salesperson database module 2, a server 1, a conversation video storage database 3, a prospective customer list database 4, and speech-to-text Mod 5.

The salesperson database module 2 is electrically connected to the scoring module 6 and the server 1, and is used to store several pieces of salesperson data belonging to several salesmen respectively. In the embodiment, each salesperson information record corresponds to the salesperson's identification code (such as employee number, etc.), administrative area, rating and other information. In this embodiment, the administrative area may be, for example, an administrative area at the county or city level. For example, the administrative area to which a certain salesperson belongs is Kaohsiung City, while the administrative area to which another salesperson belongs is Pingtung County, etc.

In this embodiment, as shown in the scoring rule of Figure 2, the scoring module 6 must The ratings of all salespeople must be recalculated every quarter = [Basic Score] + [Cumulative Service Score] + [Call Quality Score] + [Case Transaction Score].

In the [Cumulative Service Score] section, as shown in step S91, the scoring module 6 will reset the [Cumulative Service Score] of all salesmen to zero every quarter. Next, as shown in step S92, each time the salesperson responds to a call request (Call Request) automatically sent to the salesperson by the online intelligent matching insurance system of the present invention from the salesperson's online device 8, the scoring module 6. Add 0.5 points to the salesperson's [accumulated service score]; conversely, if the salesperson does not respond to a call request, the scoring module 6 will deduct 0.5 points from the [accumulated service score].

In the [Call Quality Score] section, as shown in step S93, if the scoring module 6 determines that the salesperson's [Call Quality Score] last quarter was greater than 50 points, then the scoring module 6 will calculate the salesperson's [Call Quality Score] this quarter. Add 5 points to [Basic Score], and then reset [Call Quality Score] to zero. Next, as shown in step S94, the scoring module 6 adds 0.5 to 2 points to the [call quality score] of the salesperson according to the [call quality score] scoring rules in Table 1 below. For example, if the policyholder gives the salesperson 1 or 2 points for call quality, then the scoring module 6 will add 0.5 points to the salesperson's [call quality score]; if the policyholder gives 3 points, then The scoring module 6 adds 1 point to the [call quality score]; if the policyholder gives 4 or 5 points, the scoring module 6 adds 2 points to the [call quality score].

In the [Case Transaction Score] section, as shown in step S95, if the scoring module 6 determines that the salesperson's [Case Transaction Score] last quarter was greater than 50 points, then the scoring module 6 will calculate the salesperson's [Case Transaction Score] this quarter. Add 5 points to the basic score, and then reset the case transaction score to zero. Next, as shown in step S96, if each insurance item served by the salesperson is sold, the scoring module 6 will increase the [case transaction score] by 2 points.

In the [Basic Score] section, as shown in step S97, the scoring module 6 will first reset the [Basic Score] of all salespersons to zero every quarter, and then determine whether to set the [Basic Score] of the current quarter based on the [Call Quality Score] of the previous quarter. Basic score] plus 5 points (refer to step S93), and determine whether to add 5 points to the [basic score] of the current quarter based on the [case transaction score] of the previous quarter (refer to step S95), that is, based on the [call quality score] of the previous quarter and [Case transaction score], add 0 or 5 or 10 points to the [basic score] of the current quarter.

Then, as shown in step S98, the scoring module 6 can recalculate the scores of all salesmen every quarter = [Basic Score] + [Cumulative Service Score] + [Call Quality Score] + [Case Transaction Score], to reset the rating fields of all salesperson data in the salesperson database module 2.

In this embodiment, the server 1 includes a geographical location interface module 11, a chat robot (Chat Robot) module 12, and a Q&A database electrically connected to the chat robot module 12. 13. Whenever a prospective customer comes to the When the network device 7 accesses the Internet and agrees to share the location information, the geographical location interface module 11 can receive the location information from the prospective customer's Internet device 7 and transmit the location information to the salesperson database. Mod 2. In this embodiment, the geographical location interface module 11 is a Geolocation API.

Then, the salesperson database module 2 filters out several pieces of salesperson data in the administrative region that match the location information from all the salesperson data, and sorts them by the score field to generate a salesperson list 21 . For example, as shown in Table 2 below, since the current real-time location of the prospective customer's Internet access device 7 is within the Kaohsiung City area, the salesperson database module 2 will filter out all employees whose organization is affiliated with Kaohsiung City. Salesperson, for example, several salespersons with salesperson identification codes 1234 and 0789 are consistent with salespersons, and because the salesperson with identification code 1234 has the highest score of 100 points in Kaohsiung City, the salesperson with identification code 1234 is ranked first. The salesperson with identification code 0789 has the second highest score in Kaohsiung City, 99 points, so the salesperson with identification code 0789 is ranked second, and so on.

In addition, as shown in Table 3 below, in this embodiment, if there is a new employee in the salesperson list 21 (meaning that he has been a salesperson for less than one month), then the salesperson Within one month since the new employee became a salesperson, the clerk database module 2 will regard the new employee's score as the highest to generate the salesperson list 21, that is, the new employee's score will be generated. Ranked first.

In this embodiment, the insurance products purchased by the prospective customers using the online intelligent matching insurance insurance system of the present invention are life insurance products as an example, but other embodiments of the present invention are not limited thereto. In this embodiment, when the chat robot module 12 determines that the prospective customer is inquiring about the life insurance product during the chat process with the prospective customer's Internet access device 7, for example, the prospective customer speaks or If the keyword "life insurance related products" is typed, the chat robot module 12 generates a call request and sends it to the salesperson's Internet device 8 corresponding to the salesperson information with the highest score.

In this embodiment, each salesperson information stored in the salesperson database module 2 also records a communication code field based on the Web Real-Time Communication (WebRTC) protocol. Whenever the salesperson uses its When the salesperson's Internet access device 8 logs into the server 1, the server 1 will also convert the IP of the salesperson's Internet access device 8 into a communication code in hexadecimal format (Hex Format Code), so each entry in the salesperson list 21 described in Table 2 and Table 3 that matches the salesperson information will also record the communication code field. For example, the communication code of salesperson 1234 ranked first in Table 2 above is 0xc0a80264.

In this embodiment, if the salesperson Internet device 8 with the highest score that matches the salesperson still does not respond after the server 1 transmits the call request twice, then the salesperson database model Group 2 deletes the qualified salesperson information with the highest score from the salesperson list 21 to update the salesperson list 21. For example, the information of the original first-ranked salesperson 1234 in the above Table 2 will be is deleted, so that the data of the original second-ranked salesperson 0789 will be replaced by the new first-ranked data. In this embodiment, each call request will last for 15 seconds. That is, if the salesperson's Internet access device 8 does not respond within 30 seconds, the salesperson database module 2 will delete the call request with the highest score. The qualified salesperson information is deleted from the salesperson list 21 to update the salesperson list 21 . Then, the server 1 regenerates a call request and sends it to the salesperson Internet device 8 corresponding to the communication code with the highest score that matches the salesperson data in the updated salesperson list 21 .

On the contrary, if the salesperson Internet device 8 with the highest score that matches the salesperson information responds to the call request immediately, the salesperson Internet device 8 can start to use the online intelligent matching of the present invention. The insurance application system establishes a call connection with the prospective customer's Internet device 7 using the WebRTC protocol, and the conversation video (including image and voice) between the salesperson and the prospective customer will be stored in the conversation video repository 3 , and the text content input by the prospective customer into the server 1 will be stored in the prospective customer list database 4 for use by the salesperson's Internet access device 8 . In this embodiment, the conversation video repository 3 may be, for example, a Google Cloud Platform (Google Cloud Platform, GCP) database (Datastore) or the like.

Furthermore, in this embodiment, the speech-to-text module 5 can first convert the conversational speech from the conversational video storage database 3 into text, and then store the text in the prospective customer list database. 4 in. Therefore, in this embodiment, the salesperson who successfully communicates with the prospective customer by using the online insurance system of the present invention can use his salesperson's online device 8 to meet the prospective customer in person, and let the prospective customer contact the customer in person. The salesperson personally signs the online device 8 to complete the execution of the insurance application (i.e., the case is concluded).

To sum up, the main advantage and effect of the online intelligent insurance matching system of the present invention is that the salesperson database module 2 can filter out the administrative area from the salesperson data that matches the prospective customer's Internet access device 7 Several pieces of the location information match the salesperson information to generate the salesperson list 21, and then when the prospective customer wants to apply for the insurance, the server 1 can immediately generate the call request is sent to the salesperson Internet device 8 corresponding to the communication code that matches the salesperson information with the highest score in the salesperson list 21, so the prospective customer is matched with the salesperson. The timeliness is very high, so the purpose of the present invention can indeed be achieved.

However, the above are only embodiments of the present invention and should not be used as examples. Limiting the implementation scope of the present invention, any simple equivalent changes and modifications made based on the patent scope of the present invention and the contents of the patent specification are still within the scope of the patent of the present invention.

1:Server

11:Geolocation interface module

12:Chatbot module

13: Q & A database

2: Salesperson database module

21: Salesperson list

3: Dialogue video repository

4: Prospective customer list database

5: Speech to text module

6: Rating module

7: Prospective customer’s Internet access device

8: Salesperson’s Internet access device

Claims (5)

An online intelligent insurance matching system, suitable for prospective customers' Internet devices that are used by prospective customers and have location information, and several salespersons' Internet devices that are used by several salesmen respectively, and includes: a server for receiving all The location information transmitted from the prospective customer's Internet device, and determining whether the prospective customer wants to apply for insurance, and including a geographical location interface module, which receives the location information from the prospective customer's Internet device. Location information; a salesperson database module is electrically connected to the server, receives the location information, and stores several pieces of salesperson data belonging to several salesmen respectively. Each salesperson data record corresponds to the salesperson's information. Identification code, administrative area, and score, the salesperson database module filters out several salesperson information in the administrative area that matches the location information from the salesperson information to generate a salesperson list, in which all Each entry in the salesperson list that matches the salesperson information also records a communication code in hexadecimal format based on the web page instant messaging protocol, wherein the geographical location interface module of the server transmits the location information to all The salesperson database module; the conversation video storage library is electrically connected to the server. When the salesperson Internet device with the highest score that matches the salesperson information responds to the call request, the The conversation video storage library stores the conversation video between the salesperson and the prospective customer; the prospective customer list database is electrically connected to the server, and the prospective customer list database stores the information entered by the prospective customer's Internet device. servo The text content of the server is used by the salesperson's Internet device; and a voice-to-text module is electrically connected to the prospective customer list database and the conversation audio and video storage library. The voice-to-text module first converts the information from all Convert the conversational voice in the conversational video storage database into text, and then store the text in the prospective customer list database; when the server determines that the prospective customer wants to insure the insurance document, the server A call request is generated and sent to the salesperson's Internet device corresponding to the communication code with the highest score in the salesperson list that matches the salesperson's information. The online intelligent matchmaking insurance system according to claim 1, wherein the server includes a chat robot module and a troubleshooting database electrically connected to the chat robot module. When the chat robot module is controlled by When it is determined during the chat with the prospective customer's Internet device that the prospective customer is inquiring about the insurance application, the chat robot module generates the call request and sends it to the salesperson with the highest score who meets the information. The corresponding salesperson's Internet access device. The online intelligent insurance matching system as described in claim 1, wherein if the online device of the salesperson with the highest score that matches the salesperson has not responded even after the server transmits the call request twice, Then the salesperson database module deletes the matching salesperson data with the highest score from the salesperson list to update the salesperson list, and then the server regenerates a call request and sends it to the salesperson list. One of the items with the highest score in the updated salesperson list matches the salesperson's Internet access device corresponding to the salesperson's data. The online intelligent insurance matching system as described in claim 1 also includes a scoring module electrically connected to the salesperson database module, and the scoring module recalculates the scores = basic scores of all salesmen every quarter. + Accumulated service score + Call quality score + Case transaction score. The online intelligent insurance matching system as described in claim 1, wherein if at least one of the salesmen in the salesperson list that matches the salesperson data is a new employee, then the salesperson database module will automatically Within one month after a new employee becomes a salesperson, the new employee's rating will be regarded as the highest to generate the salesperson list.

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