TWM544061U - Insurance policy system - Google Patents

Description

Policy system

This creation is about a policy system, and more particularly a policy system with the ability to recommend merchandise and credit analysis.

One of the customary policy systems is that the user browses the policies of each company from the website, performs cross-match analysis, and then selects products that meet their own needs. However, the insurance products on the market are dazzling and often consume users. A lot of time and effort. Therefore, in order to save trouble, most users often choose an insurance company and its business specialists to purchase the policies they recommend or most people choose. In other words, such a policy system cannot analyze the amount of information about different users, so it is easy for users to make purchases without fully understanding their needs and policy content, except that it may cause unnecessary financial waste. It may even be possible to find a policy that was not suitable for you when you need to apply for a claim from an insurance company in the future.

Another conventional improved policy system is that when users input their data (age, family background, income...) and demand into each company system, each company system will cross-compare and from within the company. The database selects products that meet the needs of users. However, this policy system is limited by the system between the companies. The policy content and protection policy are different, and each company has its own products. Good or bad, if you only buy a policy from one company, it may be difficult to get the full coverage of the ideal policy you need. Therefore, such a policy system still requires users to perform repeated actions under different company systems, such as: input data, policy trials, comparison of previous policies, etc., plus the system of each company only provides internal use of the company's salesperson. The user must be assisted by the salesman, which is a time-consuming and inconvenient policy system for the user. In addition, after purchasing the policies of each company, the user's insurance policy is unconformed, which often causes many inconveniences when the user queries the system.

One of the purposes of this creation is to provide a policy system that can analyze the amount of products and product recommendations from the company's policy information according to the user's data and needs, and integrate the user's policy after purchase, in addition to avoiding purchases. In addition to your own policy, it also saves users the time and effort spent on comparing the policies of many policies with subsequent maintenance policies.

For the above purposes and other purposes, the present application proposes a policy system comprising: a user device for storing and transmitting at least one user information; and a management module for managing a user policy purchased by the user, the management The module includes: a second storage device for storing the user policy; a second processing device coupled to the second storage device and the user device for receiving and executing the user's indication of the user policy; An analysis module includes: a first storage device coupled to the user device for receiving the at least one user information; a database storing a plurality of policy materials, the policy data being a cross The first processing device is coupled to the first storage device, the second storage device, and the database, and the first processing device is based on the at least one user information, the policy information, and The user policy of the second storage device generates at least one desired policy.

In an embodiment of the present invention, an order module is further included, and the order module is coupled to the first processing device for providing a user to purchase the at least one ideal policy.

In an embodiment of the present invention, the first processing device further performs an operation of querying, guaranteeing comparison, or premium trial of each of the policy materials of the database.

In an embodiment of the present invention, the management module further includes a reward device coupled to the second processing device and the order module to transmit the ideal policy that the user has purchased to the first And a second processing device, wherein the second processing device stores the purchased ideal policy in the second storage device.

In an embodiment of the present invention, the at least one user information includes: financial status, gender, age, health status, or family composition.

In an embodiment of the present invention, the indication of the user policy in the second processing device includes a contract change, a claim application, a payment reminder, and an integrated purchased policy.

In this way, the policy system of the creation can provide relevant services to the users across the company, and provide recommended policies according to their needs, thereby helping users to purchase policies that are more suitable for them, and can be customized according to the user's annual situation. The policy of giving policy adjustments will make the protection closer to the needs of users and bring the real benefits of insurance.

In order to fully understand the purpose, features and effects of this creation, the following specific examples, together with the attached drawings, provide a detailed description of the creation, as explained below:

The policy system of this creation is an online policy system that combines several insurance companies and provides related services to users. As shown in FIG. 1 , the architecture of the first embodiment of the present invention includes a user device 110 , an analysis module 120 , and a management module 140 .

The user device 110 is configured to store a plurality of user information 111, 112...11n, including: a user's financial status, gender, age, health status, or family composition. The user device 110 can be implemented by a mobile phone, a desktop computer, a notebook computer or a tablet, but is not limited thereto. If there are other devices capable of operating software or web pages, the device should be covered in the creative office. In the scope of protection.

The management module 140 is configured to manage a user policy that has been purchased by the user. The management module 140 includes a second storage device 141 and a second processing device 142. The second storage device 141 is configured to store multiple a user policy, and a user policy that the user has signed up and purchased; the second processing device 142 is coupled to the second storage device 141 and the user device 110 for receiving and executing the user's policy for the user. Instructions, instructions such as: contract changes, claim applications, or policy inquiries.

The analysis module 120 includes a first storage device 121, a first processing device 122, and a database 123. The database 123 stores a plurality of policy materials, which are obtained by public information of insurance companies, so as to facilitate online inquiry by users, and the insurance contents such as disability insurance, real support insurance, and heavy Cancer and accident insurance, but not limited to this. The first storage device 121 is coupled to the user device 110 and the first processing device 122 for receiving a plurality of user information 111, 112...11n; the first processing device 122 is coupled to the first A storage device 121, the database 123 and the second storage device 141 can be used to store user information 111, 112...11n, policy information stored in the database 123, and users stored in the second storage device 141. The purchased policy is used as a basis for performing the relevant inquiry and analysis of the unpurchased policy by the executing user, such as: listing the relative contents of the policies of each company, trialing the premiums, checking the hot products or purchasing the purchases, etc. But it is not limited to this.

The analysis module 120 also provides an adaptable canned policy, which is a comprehensive insurance policy that combines several insurance companies, and can plan a suitable policy according to user conditions. After the user enters basic information (such as age, gender, or occupation), the system can filter out the appropriate plan from each company's policy, in which the company's claim portion, policy amount, and premium total amount are listed in each company plan. That is, this canned policy is a comprehensive plan that covers the policy from the slightest to the most severe. For example, if the newborn baby data that does not meet the age is entered into the analysis module, the planned canned policy content includes disabled disability insurance, burn burn insurance, cancer insurance and accidental disability insurance, according to the amount of the claim. The amount of premiums ranges from 5,000 to 16,000. In summary, through the creation of the policy system, users can select the most suitable amount and plan according to their economic considerations or other factors.

And the management module 140 is coupled to the analysis module 120, and the management module 140 can also perform the integrated operation of the purchased policy, and display the policy of the next year and execute the payment reminder, so that the user can handle a large number of The type of policy can be made easier, further reducing the user's leakage of premiums.

The architecture of the second embodiment in the present invention is as shown in FIG. 2, and since its structure is substantially the same as that of the first embodiment, only the main structure of the second embodiment is defined next, and for the first embodiment. The different parts are described.

The architecture of the second embodiment includes a user device 210, an analysis module 220, an order module 230, and a management module 240. The user device 210 stores a plurality of user information 211, 212...21n.

The management module 240 includes a second storage device 241, a second processing device 242, and a reward device 243. The second storage device 241 is configured to store a user policy. The second processing device 242 is coupled to the The second storage device 241, the user device 210, and the reward device 243. In the architecture of the second embodiment, the reporting device 243 further includes the reporting device 243 coupled to the second processing device 242 and the order module 230. The reporting device 243 is configured to use multiple The information about the newly purchased policy and the user policy is transmitted back to the second processing device 242, and the second processing device 242 further transmits the policies and related materials to the second storage device 241. In addition, the related information returned by the reward device 243 is, for example, a policy that the user newly purchases, and a policy for the user to change the contract.

The analysis module 220 includes a first storage device 221, a first processing device 222, and a database 223. The first processing device 222 is coupled to the first storage device 221 and the second storage device 241. And the database 223, and in addition to the functions of the first embodiment, the analysis module 220 can further provide a recommendation policy that meets the needs of the user. More specifically, the first processing device 222 can execute the user pair not only according to the user information 211, 212...21n, the policy information in the database 223, and the user's purchased policy in the second storage device 241. For the related inquiries and analysis, the unpurchased policies can also generate an ideal based on the user information 211, 212...21n, the policy information in the database 223, and the user's purchased policy in the second storage device 241. Warranty.

The order module 230 is coupled to the first processing device 222 and the reward device 243 for processing an order that the user has confirmed to purchase, and simultaneously notifying the service specialist to contact the user and signing the contract, thereby completing the policy purchase. . In addition, through the reward device 243, the analysis module 220 periodically updates the user policy information, and compares the updated policy information with the policy information of the following year with the user information 211, 212 at the next execution of the analysis. ...21n processing. For example, after the user successfully purchases the policy through the order module 230, the reward device 243 transmits the related data to the second processing device 242, and starts to update the policy information, and waits in the analysis module 220. When the original policy record (old policy information or purchased policy) has been updated, wait for the next policy analysis, trial or recommendation.

In order to generate the ideal policy, the present invention is implemented in the recommendation system in the second embodiment. When the user decides to purchase an item, the recommendation system will perform statistics and perform analysis by algorithm, and on the same page. List the items that other users who have purchased the item also selected. That is, based on the user information 211, 212...21n and the acceptable amount of the policy, after further comparison with the recommendation system, the analysis module 220 provides a policy that is cross-company and more suitable for the user. The recommendation system used in the second embodiment can be implemented by a content recommendation system, a collaborative filtering recommendation system, an association rule recommendation system, a utility recommendation system, a knowledge recommendation system, or a combination recommendation system, but is not limited thereto. Other systems that have the ability to filter the type of merchandise should be covered by this creative.

Figure 3 is a flow chart of the creation. In step S310, the user inputs a plurality of different user information by using the user device. In step S320, the creation will perform data comparison and analysis on the user information, and find a suitable recommendation policy or a policy that meets the demand. In step S330, after the user has decided to purchase the policy, the operation of purchasing the order is executed and the transaction is completed. Step S340, after the transaction is completed, the user can perform an operation such as a policy inquiry, a contract change or an application for claim settlement on the line, and the payment notice of each policy is also received regularly.

The present invention has been disclosed in the above-described preferred embodiments, and it should be understood by those skilled in the art that the present invention is only intended to depict the present invention and should not be construed as limiting the scope of the present invention. It should be noted that variations and permutations equivalent to those of the embodiments are intended to be included within the scope of the present invention. Therefore, the scope of protection of this creation is subject to the definition of the scope of patent application.

110‧‧‧User device
111,112...11n‧‧‧ User Information
120‧‧‧Analysis module
121‧‧‧First storage device
122‧‧‧First treatment unit
123‧‧‧Database
140‧‧‧Management module
141‧‧‧Second storage device
142‧‧‧second treatment unit
210‧‧‧User device
211,212...21n‧‧‧ User Information
220‧‧‧Analysis module
221‧‧‧First storage device
222‧‧‧First treatment unit
223‧‧‧Database
230‧‧‧ Order Module
240‧‧‧Management Module
241‧‧‧Second storage device
242‧‧‧Second treatment unit
243‧‧‧Return device
S310~S340‧‧‧Steps

[Fig. 1] is an architectural diagram of a policy system of the first embodiment of the present invention. [Fig. 2] is an architectural diagram of the policy system of the second embodiment of the present invention. [Fig. 3] is a flow chart of the policy system of the present creation.

110‧‧‧User device

111,112...11n‧‧‧ User Information

120‧‧‧Analysis module

121‧‧‧First storage device

122‧‧‧First treatment unit

123‧‧‧Database

140‧‧‧Management module

141‧‧‧Second storage device

142‧‧‧second treatment unit

Claims (6)

A policy system comprising: a user device for storing and transmitting at least one user information; a management module for managing a user policy purchased by the user, the management module comprising: a second storage device For storing a user policy; a second processing device coupled to the second storage device and the user device for receiving and executing an indication of a user's policy; and an analysis module comprising: a storage device coupled to the user device for receiving the at least one user information; a database storing a plurality of policy materials, the policy data being a policy across the company; a first processing device, The first processing device is coupled to the first storage device, the second storage device, and the database, and the first processing device is configured according to the at least one user information, the policy information, and the user policy in the second storage device. Produce at least one ideal policy. The policy system of claim 1, further comprising an order module coupled to the first processing device for providing a user to purchase the at least one ideal policy. The policy system of claim 1, wherein the first processing device further performs an operation of content query, guarantee comparison or premium trial of each of the policy materials of the database. The policy system of claim 2, wherein the management module further comprises a reward device coupled to the second processing device and the order module to transmit the ideal policy that the user has purchased to The second processing device further stores the purchased ideal policy in the second storage device. The policy system of claim 1 or 4, wherein the at least one user information comprises: financial status, gender, age, health status, or family composition. The policy system of claim 1 or 4, wherein the indication of the user policy in the second processing device comprises a contract change, a claim application, a payment reminder, and an integrated purchased policy.