TWM547142U - Intelligent insurance and finance management system - Google Patents

Description

Intelligent insurance financial system

This creation is an intelligent insurance financial management system, especially an insurance wealth management system that can provide customized insurance coverage according to the user's ability to pay and insurance.

According to the statistics of the Insurance Industry Development Center of the Foundation, the per capita insurance expenditure of Taiwanese in 2015 was about NT$122,000, ranking second in Asian countries, second only to Hong Kong, ranking tenth in the world, and the global average is about new. 6.6 times NT$18,000. However, the design concept of traditional insurance products is from the perspective of insurance companies, commercial banks, grassroots financial institutions and civil battalions or organizations allowed by domestic regulations, through sample surveys, rules of thumb or Large-scale law and other methods to introduce standardized, standardized insurance products, and can not meet the consumer's personalized, personalized protection needs.

Moreover, in the process of selling insurance products, the aforementioned insurance companies or related units are often limited by the sales preferences and inclinations of existing channels, and cannot provide diversified insurance products, so that consumers can only choose among the few existing products. There are also many purchase restrictions, such as insurance liability, guarantee period, payment frequency limit, or rigid product combination.

In recent years, under the trend of the Internet booming, the influence of traditional channels has become increasingly weak. How to design temperature-insured insurance products from the perspective of consumers, and to meet the insurance needs of 80% of Internet users, is the insurance sales end. Innovative ideas that are expected by consumers. At present, when consumers select the insurance products sold in the market, they first make the first stage selection according to the amount of protection framed by the insurance products, and then carry out the second stage selection within the framed guarantee period; the aforementioned insurance company Or the relevant units neglect that each consumer is a different individual, and can not provide customized products according to individual consumer needs, which will cause consumers to be in the process of purchasing, because they can not reflect the actual insurance demand, and timely comparison Its own ability to pay, so that consumers need to repeatedly review, adjust, and choose on insurance products, insurance coverage, security, and many other issues, not only time-consuming and laborious, unfriendly experience is more likely to eventually lead consumers to abandon the purchase of insurance products .

In addition, in order to solve the problem that consumers may abandon the purchase of insurance products due to repeated choices, the common practice of the aforementioned insurance companies or related units is to develop platforms such as online insurance or insurance information APP, and through process optimization, it is expected to contact A wide range of potential customers. For example, the network insurance system disclosed in Taiwan's new patent publication No. M508734 provides a system for online insurance with financial documents, which is used to provide consumers with more convenient insurance methods, but such traditional offline The purchase process moved to the online and optimized, failed to meet the autonomy requirements of online shopping behavior, and consumers are still limited by the defects of the insurance products themselves in the process of purchasing insurance products, so it still cannot make consumers fast. It is judged whether the insurance product meets the demand and further completes the insurance.

Therefore, consumers are not expecting to develop a kind of insurance products that can improve the various insurance products, and provide suitable insurance products according to consumers' ability to pay and insurance. They can further check the premiums by flexible adjustment. The amount of coverage and insurance period selected.

In view of this, the creator has been engaged in the manufacturing development and design experience of related insurance products and wealth management systems for many years, and has reviewed and studied the above-mentioned problems of the insurance products and the insurance wealth management system, and carefully evaluated various Improve the program to complete the creation.

In other words, in the era of the Internet, the dominant power should be handed over to consumers, and insurance products and insurance wealth management systems should be designed and developed from the perspective of consumers, and new products such as account-based insurance and on-demand insurance should be developed. Among them, the key innovative design concept is to reform the existing product design and insurance process in the form of premiums.

That is, the intelligent insurance wealth management system provided by the present invention includes an electronic communication device and a remote server communicatively coupled to the electronic communication device, and the user can use the electronic communication device to wirelessly communicate, wire communication, or Bluetooth. And performing remote communication and data transmission with the remote server; wherein the remote server comprises: a network transmission unit coupled to the electronic communication device for receiving or transmitting an electronic message, the electronic message including at least using Insurance demand message, insurance budget amount, and/or policy purchase suggestion message; and storage unit, which includes an insurance product database storing insurance product information, which corresponds to the insurance provided by each insurance company. Commodity, and in each insurance product information, including at least one detailed information corresponding to the name, selling price, guarantee content, claim condition and other necessary items of the insurance product; the processing unit, which includes the insurance analysis module and the insurance product information The library and the network transmission unit are electrically connected; when the remote server receives the electronic communication The insurance analysis module of the processing unit analyzes and matches the insurance product according to the insurance demand information and/or the fixed budget amount and the insurance product of the insurance product database. The suggested insurance match information is obtained, and then the recommended insurance match information is transmitted to the electronic communication device through the network transmission unit; wherein the recommended insurance match information includes at least one recommended insurance product.

According to an embodiment of the present invention, the remote server further provides a verification unit, the verification unit is electrically coupled to the network transmission unit, and the verification unit receives or transmits the network transmission unit through the network transmission unit. User information transmitted by the electronic communication device and user authentication.

According to an embodiment of the intelligent insurance management system of the present invention, the remote server provides at least one suggestion option for instantly increasing the amount of insurance, activating the policy, or starting the protection after the user authentication by the verification unit.

According to an embodiment of the intelligent insurance management system of the present invention, the processing unit of the remote server further configures an information stream module, and the information stream module receives the instant updated insurance product through the network transmission unit. And transmitted and stored to the insurance product database.

According to an embodiment of the intelligent insurance financial management system of the present invention, the insurance commodity stored in the insurance commodity database includes insurance commodity information from insurance companies, commercial banks, grassroots financial institutions, and citizenship units or organizations permitted by domestic regulations. .

According to an embodiment of the intelligent insurance financial management system of the present invention, the insurance demand information is at least one of personal insurance demand or property insurance demand, and further includes life insurance, accident insurance, medical insurance, cancer prevention insurance, major illness insurance, Insurance products such as investment insurance, profitable insurance, automobile and motorcycle insurance, third liability insurance, travel insurance, or residential fire and earthquake insurance.

According to an embodiment of the intelligent insurance management system of the present invention, the insurance analysis module is configured to analyze at least one detailed information of the paired user, the insured, the beneficiary or the subject matter of the insurance.

According to an embodiment of the intelligent insurance management system of the present invention, the detailed information of the pairing analyzed by the insurance analysis module is at least one of an insured product name, a premium, a guarantee amount, a payment term, and a guarantee content.

According to an embodiment of the intelligent insurance management system of the present invention, the network transmission unit is communicably connected to the electronic communication device by at least one of WIFI, Bluetooth, ZigBee, NFC, RFID, or infrared.

According to an embodiment of the intelligent insurance management system of the present invention, the electronic communication device is a smart phone, a lithographic computer, a notebook computer, a desktop computer, a personal digital assistant or other electronic devices with network functions.

In the following, for the composition and technical content of the intelligent insurance financial management system related to the present creation, various applicable examples are listed and explained in detail with reference to the accompanying drawings; however, the creation is of course not limited to the listed ones. These embodiments, drawings, or detailed descriptions are included.

In addition, those skilled in the art will recognize that the embodiments and the accompanying drawings are only for the purpose of illustration and description, and are not intended to limit the scope of the invention; The creations made by modification or alteration are also considered to be within the scope of the spirit and purpose of the creation. Of course, such creations are also included in the scope of the patent application for this creation.

First, please refer to FIG. 1 , the intelligent insurance financial management system of the present invention includes an electronic communication device 200 and a remote server 100 connected to the electronic communication device 200 for use by a user. The remote communication and data transmission with the remote server 100 by wireless communication, wired communication, or Bluetooth; however, the electronic communication device 200 is not limited to a smart phone, a lithographic computer, a notebook computer, or a table. Any of a laptop, personal digital assistant, or other electronic device with network capabilities.

Next, please refer to the remote server architecture diagram of one embodiment of the present invention as shown in FIGS. 2a-2c. According to the technical idea of the present invention, the remote server 100 may include: a network transmission unit 110 coupled to the electronic communication device 200 for receiving or transmitting an electronic message, the electronic message including at least a user insurance demand message. , an insurance budget amount, and/or a policy purchase suggestion message; and a storage unit 120 including an insurance product database 121 storing insurance product information, the insurance product information corresponding to the insurance provided by each insurance company The commodity, and in each insurance product information, includes at least one detailed information corresponding to the name, the selling price, the protection content, the claim condition and other necessary items of the insurance product; a processing unit 130 including an insurance analysis module 131 and The insurance product database 121 and the network transmission unit 110 are electrically connected; when the remote server connection 100 receives the insurance demand message 210 of the user transmitted by the electronic communication device 200, the processing unit 130 The insurance analysis module 131 is based on the insurance demand information 210, and/or the fixed budget amount 220, and the insurance product database 121. Insurance product was analyzed to give a recommended safety pairing pairing information, followed by transmission through the network means that the recommendation information is transmitted to the insurance pairing of the electronic communication device; wherein the recommendation information comprises at least a pair of insurance recommendations insurance products.

Then, the remote server 100 is further provided with a verification unit 140. The verification unit 140 is electrically coupled to the network transmission unit 110. The verification unit 140 receives or transmits the electronic communication through the network transmission unit 110. The user information transmitted by the device 200 is authenticated by the user.

Moreover, after the remote server 100 performs user identity verification through the verification unit 140, at least one suggested option of instantly increasing the insured amount, activating the policy, or starting the protection is provided.

Please refer to FIG. 3a for a schematic diagram of one embodiment of the present invention. During the insurable period, consumers can increase the amount of insurance by adding premiums, which are account-type insurance; among them, account-type insurance can be divided into two types: no waiting period and waiting period. For example, the characteristic of a certain anti-cancer insurance market is 1 yuan purchase, unlimited increase in the amount of insurance within 90 days of waiting period, no need for physical examination, and provide different cancer prevention, etc. When the server 100 receives the insurance demand message 210 of the user transmitted by the electronic communication device 200 as a cancer prevention insurance, the insurance analysis module 131 of the processing unit 130 according to the insurance demand information 210, and/or the The fixed budget amount 220 is analyzed and matched with the insurance product of the insurance product database 121 to obtain a recommended insurance matching information, and then the recommended insurance matching information is transmitted to the electronic communication device 200 through the network transmission unit 110; The proposed insurance match information includes at least one recommended insurance product, which in turn allows the consumer to immediately select the insurance product, or choose to increase the amount of insurance, activate the policy or initiate protection.

Please refer to FIG. 3b for a schematic diagram of one embodiment of the present invention. The consumer selects the insured insurance company based on the fixed budget amount 220, and compares the price of the automobile insurance product, effectively improving the sales model in which the insurance company and the automobile insurance product are mainly used in the property insurance market for a long time.

Please refer to FIG. 3c for a schematic diagram of one embodiment of the present invention. After the insurance is insured, the consumer can freely choose to increase the insured amount within a certain period of time, or freely choose to increase other insurance products in the original contract, such as accident insurance, etc., effectively increasing the value of the originally purchased insurance products, and Flexibly match the immediate needs of consumers.

The processing unit 130 of the remote server 100 further configures an information stream module 132. The information stream module 132 receives the instantly updated insurance product through the network transmission unit 110, and transmits and stores the insurance product to the insurance product. Database 121.

For example, the insurance commodity stored in the insurance commodity database 121 includes insurance commodity information from insurance companies, commercial banks, grassroots financial institutions, and citizenship units or organizations permitted by domestic regulations.

Moreover, each insurance item 121 of the storage unit 120 further includes at least one detailed information of the name, premium, insurance amount, payment period, and protection content of the product.

In detail, the insurance demand information 210 is at least one of personal insurance demand or property insurance demand, and further includes life insurance, accident insurance, medical insurance, cancer prevention insurance, major illness insurance, investment insurance, profit-changing insurance, Insurance products such as automobile locomotive insurance, third liability insurance, travel insurance, or residential fire and earthquake insurance.

According to the technical idea of the present creation, the insurance analysis module 131 is configured to analyze at least one detailed information of the paired user, the insured, the beneficiary or the subject matter of the insurance.

In addition, the network transmission unit 110 is communicably connected to the electronic communication device 220 by at least one of WIFI, Bluetooth, ZigBee, NFC, RFID, or infrared.

Based on the description and illustration of the above embodiments, it can be confirmed that, in addition to improving the common defects of the prior art, the intelligent insurance system disclosed in the present invention can provide customized insurance products, thereby accurately assisting. The consumer reaches the purchase insurance requirement, and can effectively select the protection amount and the guarantee period according to the payment ability.

In the above, although the contents of the present creation have been described in detail by way of the above embodiments, the present invention is not limited to the embodiments. It will be apparent to those skilled in the art that the present invention can be modified and modified without departing from the spirit and scope of the present invention; for example, the technical contents exemplified in the foregoing embodiments. Combinations or changes to become new implementations, and such implementations are of course considered to be the subject of this creation. Therefore, the scope of protection to be covered in this case also includes the scope of the patent application described below and the scope defined by it.

100‧‧‧Remote Server

110‧‧‧Network transmission unit

120‧‧‧ storage unit

121‧‧‧Insurance Commodity Database

130‧‧‧Processing unit

131‧‧‧ Insurance Analysis Module

132‧‧‧Data Streaming Module

140‧‧‧Verification unit

200‧‧‧Electronic communication device

210‧‧‧ Insurance demand information

220‧‧‧Fixed budget amount

Figure 1 is a schematic diagram of the intelligent insurance financial management system of the present invention. FIG. 2a is a schematic diagram of a remote server architecture according to an implementation of the present invention. FIG. 2b is a schematic diagram of a remote server architecture according to an implementation of the present invention. FIG. 2c is a schematic diagram of a remote server architecture in an implementation manner of the present invention. Figure 3a is a schematic diagram of one embodiment of the present invention. Figure 3b is a schematic diagram of one embodiment of the present invention. Figure 3c is a schematic diagram of one embodiment of the present invention.

100‧‧‧Remote Server

200‧‧‧Electronic communication device

Claims (10)

An intelligent insurance financial management system includes an electronic communication device and a remote server connected to the electronic communication device, and the user can use the electronic communication device to communicate with the remote device by wireless communication, wired communication, or Bluetooth The server performs remote communication and data transmission; wherein the remote server comprises: a network transmission unit coupled to the electronic communication device for receiving or transmitting an electronic message, the electronic message including at least a user insurance demand message , an insurance budget amount, and/or a policy purchase suggestion message; and a storage unit including an insurance product database storing insurance product information, the insurance product information corresponding to insurance products sold by each insurance company, And each insurance product information includes at least one detailed information corresponding to the name, selling price, security content, claim condition and other necessary items of the insurance product; a processing unit including an insurance analysis module and the insurance product information The library and the network transmission unit are electrically connected; when the remote server receives the electronic The insurance analysis module of the processing unit analyzes and matches the insurance product according to the insurance demand information and/or the fixed budget amount and the insurance product of the insurance product database. Obtaining a suggested insurance match information, and then transmitting the recommended insurance match information to the electronic communication device through the network transmission unit; wherein the recommended insurance match information includes at least one recommended insurance product. The smart insurance banking system of claim 1, wherein the remote server further comprises a verification unit, the verification unit is electrically coupled to the network transmission unit, and the verification unit receives or transmits through the network transmission unit. The user information transmitted by the electronic communication device is authenticated by the user. The smart insurance banking system of claim 2, wherein the remote server provides at least one of the recommended options of instantly increasing the insured amount, activating the policy, or initiating the security after performing the user identity verification by the verification unit. The intelligent insurance management system of claim 1, wherein the processing unit of the remote server further configures an information stream module, and the information stream module receives the instant updated insurance product through the network transmission unit. And transmitted and stored to the insurance product database. The smart insurance financial system as claimed in claim 1, wherein the insurance commodity stored in the insurance commodity database comprises insurance commodity information from an insurance company, a commercial bank, a grassroots financial institution, and a citizenship unit or organization permitted by domestic regulations. . The smart insurance financial management system of claim 1, wherein the insurance demand information is at least one of a life insurance demand or a property insurance demand, and further includes life insurance, accident insurance, medical insurance, cancer prevention insurance, major illness insurance, Insurance products such as investment insurance, profitable insurance, automobile and motorcycle insurance, third liability insurance, travel insurance, or residential fire and earthquake insurance. The smart insurance financial management system of claim 1, wherein the insurance analysis module is configured to analyze at least one detailed information of the paired user, the insured, the beneficiary or the subject matter of the insurance. The smart insurance financial management system of claim 7, wherein the detailed information of the pairing analyzed by the insurance analysis module is at least one of an insured product name, a premium, a guarantee amount, a payment term, and a guarantee content. The smart insurance banking system of claim 1, wherein the network transmission unit is in communication with the electronic communication device in a manner of at least one of WIFI, Bluetooth, ZigBee, NFC, RFID, or infrared. The smart insurance banking system of claim 1, wherein the electronic communication device is a smart phone, a lithographic computer, a notebook computer, a desktop computer, a personal digital assistant, or other electronic device with network functions.