TWM580752U - Insurance system - Google Patents

Abstract

An insurance system includes a first computer host belonging to a bank, an automatic teller machine, a second computer host connected to an insurance company and connected to the first computer host, and a first computer host and the The mobile device connected to the second computer host. The mobile device executes an application to transmit an automatic authorization data to the first computer host and the second computer host. The automated teller machine receives and displays a corresponding data to be confirmed from the first computer host, and after a user confirms, transmits a confirmation indication to the first computer host. After receiving the confirmation indication, the first computer host transmits a confirmed corresponding data to the second computer host, so that the second computer host can perform the deduction according to the confirmed corresponding data.

Description

Insurance system

The present invention relates to an insurance system, and more particularly to an insurance system capable of quickly completing an automatic transfer deduction operation.

Traditional financial and insurance products often require a large number of business personnel to use manual methods to communicate and confirm with customers in a face-to-face manner to complete various procedures for insurance products in the process of underwriting. For example, many customers would like to pay the premiums of the insurance products they want to purchase through a bank account that they have already opened at a bank to authorize the bank to automatically debit the funds. However, it is customary for a business person of an insurance company to provide a written auto-delivery authorization, which will be filled out and signed by the customer and brought back to the insurance company. Since the insurance company cannot judge the authenticity of each authorization, the insurance company will sort the automatic transfer authorizations received in batches according to each bank at a fixed time, and then send them to the corresponding banks. For insurance companies, the processing of these procedures not only consumes manpower and time, but also because the operation time of each bank is not the same, which leads to the inability to effectively manage and shorten the operation process, and becomes a problem to be solved. .

Therefore, the object of the present invention is to provide an insurance system capable of quickly completing an automatic transfer deduction operation.

Therefore, the new insurance system is applicable to a user and includes a first computer host, an automatic teller machine, a second computer host, and a mobile device. The first computer host belongs to a bank. The ATM establishes a connection with the first computer host. The second computer host belongs to an insurance company and establishes a connection with the first computer host.

The mobile device is configured to execute an application to generate an automatic authorization data corresponding to the user, establish a connection with the first computer host and the second computer host, and transmit the automatic authorization data to the first A computer host and the second computer host. Wherein, when the first computer host receives the automatic authorization data, according to the automatic authorization data, a corresponding data to be confirmed is generated.

After the user logs in through the ATM, the automated teller machine receives and displays the corresponding data to be confirmed from the first computer host, and the corresponding information confirmed by the user by the user is correct. Thereafter, a confirmation indication is generated and the confirmation indication is transmitted to the first computer host.

After receiving the confirmation instruction from the automatic teller machine, the first computer host changes the corresponding data to be confirmed to a confirmed corresponding data, and transmits the confirmed corresponding data to the second computer host, so that The second computer host can perform the deduction according to the confirmed corresponding data.

In some implementations, the automatic authorization material includes a identity identifier corresponding to the user and a policy identification code.

In some implementations, when the first computer host receives the automatic authorization data, generating the identity identifier, the policy identification code, and the identity identification according to the identity identification code of the automatic authorization data. A bank account information of the code, and a corresponding data to be confirmed that is to be confirmed and marked.

In some implementations, wherein, after the user logs in through the ATM, the automated teller machine displays the policy identification code of the corresponding data to be confirmed and the bank account information, and the user views the policy identification code. After the bank account information is correct, the confirmation instruction is generated by the ATM.

In some implementations, after the first computer host receives the confirmation indication, the to-be-confirmed annotation of the corresponding data to be confirmed is changed to a confirmed annotation to become the confirmed corresponding data.

In some implementations, the second computer host is capable of performing the debit according to the policy identification code of the confirmed corresponding data and the bank account information.

In some implementations, wherein the user performs a login at the automated teller machine by a financial card corresponding to the user.

In other implementations, the automated teller machine performs the login by detecting a fingerprint of the user.

The function of the present invention is that the user first inputs the mobile authorization device to generate the automatic authorization data, so that the first computer host belonging to the bank generates the corresponding data to be confirmed according to the automatic authorization data. After the user confirms the correctness of the corresponding data to be confirmed by the automatic teller machine, the first computer host transmits the confirmed corresponding data to the second computer host belonging to the insurance company, so that the The second computer host can execute the deduction, thereby enabling an insurance system that quickly completes the automatic transfer authorization and debit operation.

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

Referring to FIG. 1 , an embodiment of the new insurance system 100 is applicable to an insurance business personnel and a customer, and includes a first computer host 2, an automatic teller machine (ATM) 4, a second computer host 3, and a Mobile device 1. The first computer host 2 belongs to a bank, and the second computer host 3 belongs to an insurance company. The first computer host 2 and the second computer host 3 are, for example, a computer server, a cloud server, or a Large computer servo systems, etc., but not limited to this.

The mobile device 1 is pre-installed with an application (APP), such as a tablet computer, a smart phone, a notebook computer, etc., which is provided by the insurance company. The mobile service personnel execute the application program by the mobile device 1, so that the mobile device 1 establishes a connection with the first computer host 2 and the second computer host 3, for example, 3G, 4G, Wi-Fi, etc. Technology establishes connections. Then, the insurance business personnel further inputs a user account and a user password by the mobile device 1 to download an automatic transfer authorization file pre-stored in the second computer host 3.

The insurance business person provides the automatic transfer authorization to the customer by the mobile device 1 to view and fill in, so that the mobile device 1 generates an automatic authorization material corresponding to the client, and the mobile device 1 also transmits the automatic authorization data to the mobile device 1 The first computer host 2 and the second computer host 3. The automatic authorization information includes a personal identification code corresponding to the customer, a policy identification code, and the signed automatic transfer authorization. The identity identification code is, for example, the customer's identity card number, and the policy identification code provides the insurance company with the insurance information such as the corresponding insurance product name and insurance amount.

When the first computer host 2 receives the automatic authorization data from the mobile device 1, searching for and obtaining a bank account information that the customer has previously opened at the bank according to the identity identification code of the automatic authorization data. For example, it is a bank account number, and further generates a corresponding information including the identity identification code, the policy identification code, the bank account information corresponding to the identity identification code, and a pending confirmation.

After the first computer host 2 generates the corresponding data to be confirmed, after the customer successfully logs in to the automated teller machine 4 by a financial card corresponding to the customer, the automated teller machine 4 receives the first computer host 2 The corresponding information to be confirmed is used to display the policy identification code of the corresponding data to be confirmed and the bank account information, thereby providing whether the customer view is correct. After the customer checks that the policy identification code and the bank account information are correct, the automatic teller machine 4 inputs to generate a confirmation instruction, and the automatic teller machine 4 transmits the confirmation instruction to the first computer host 2.

In addition, it should be particularly noted that in the embodiment, the client performs login at the automated teller machine 4 by the financial card corresponding to the user. In other embodiments, the ATM 4 can also perform login by detecting a fingerprint of the user. In addition, the ATM 4 does not have to belong to the bank, and may be an ATM of another bank, as long as the corresponding data to be confirmed of the first computer host 2 can be obtained by means of network connection. And the confirmation indication can be generated.

After receiving the confirmation instruction from the automatic teller machine 4, the first computer host 2 changes the to-be-confirmed label of the corresponding data to be confirmed to a confirmed label, so that the corresponding data to be confirmed becomes a confirmed Corresponding data, and then transmitting the confirmed corresponding data to the second computer host 3, so that the second computer host 3 can perform the deduction according to the policy identification code of the confirmed corresponding data and the bank account information.

In summary, the implementation of the insurance system 100 not only avoids the application method of filling in the automatic transfer of the insurance policy in the past, but also solves the problem that the execution time of each bank's nuclear printing is different. The policyholders are bothered and unable to grasp the results of the imprint. In addition, the new model also improves the time when the policyholder can sign the automatic transfer authorization or the electronically printed consent form online, and can apply to the ATM 4 24 hours a day to confirm the result of the verification immediately. Insurance companies can save time for personnel to accept, type data files, and send nuclear operations to speed up the time limit for debit and insurance billing, so it can achieve the purpose of this new type.

However, the above is only the embodiment of the present invention. When the scope of the novel implementation cannot be limited thereto, all simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

100‧‧‧ insurance system  1‧‧‧ mobile device  2‧‧‧First computer host  3‧‧‧Second computer host  4‧‧‧Automatic Teller Machine

Other features and effects of the novel will be apparent from the embodiments of the drawings, in which:  1 is a block diagram showing an embodiment of the novel safety system.  

Claims (8)

An insurance system for a user and containing:  a first computer host belonging to a bank;  An automatic teller machine, establishing a connection with the first computer host;  a second computer host, belonging to an insurance company, and establishing a connection with the first computer host; and  a mobile device for executing an application to generate an automatic authorization data corresponding to the user, and establishing a connection with the first computer host and the second computer host respectively, and transmitting the automatic authorization data to the a first computer host and the second computer host,  Wherein, when the first computer host receives the automatic authorization data, according to the automatic authorization data, a corresponding data to be confirmed is generated,  After the user logs in through the ATM, the automated teller machine receives and displays the corresponding data to be confirmed from the first computer host, and the corresponding information confirmed by the user by the user is correct. Afterwards, a confirmation indication is generated, and the confirmation indication is transmitted to the first computer host.  After receiving the confirmation instruction from the automatic teller machine, the first computer host changes the corresponding data to be confirmed to a confirmed corresponding data, and transmits the confirmed corresponding data to the second computer host, so that The second computer host can perform the deduction according to the confirmed corresponding data.   The insurance system of claim 1, wherein the automatic authorization data includes a identity identifier corresponding to the user and a policy identification code. The insurance system of claim 2, wherein when the first computer host receives the automatic authorization data, generating the identity identification code, the policy identification code, and the pair according to the identity identification code of the automatic authorization data. A bank account information of the identification code and a corresponding data to be confirmed that are to be confirmed. The insurance system of claim 3, wherein, after the user logs in through the automated teller machine, the automated teller machine displays the policy identification code of the corresponding data to be confirmed and the bank account information, and the user views the After the policy identification code and the bank account information are correct, the confirmation instruction is generated by the ATM. The insurance system of claim 4, wherein the first computer host receives the confirmation indication, and the to-be-confirmed label of the corresponding data to be confirmed is changed to a confirmed label to become the confirmed corresponding data. . The insurance system of claim 5, wherein the second computer host is capable of performing the deduction according to the policy identification code of the confirmed corresponding data and the bank account information. The insurance system of claim 6, wherein the user performs login at the automated teller machine by a financial card corresponding to the user. The insurance system of claim 6, wherein the automated teller machine performs the login by detecting a fingerprint of the user.