TWM611045U - Mutual Life Insurance System - Google Patents

Abstract

A mutual-aided life insurance system includes a central server; a mutual-aided life insurance institution resides in the central server for processing insurance information of policyholders; the mutual-aided life insurance institution includes a database of policyholders, Multiple policyholder accounts are stored for storing the policyholder’s insurance information; a policyholder interface is used to receive the information entered by the policyholder through the policyholder unit and output the information of the mutual life insurance institution to the policyholder. Account interface; a collection unit is used to collect the fees paid by policyholders, the collection unit includes a collection rule unit, which is used to set payment rules; a compensation payment unit is used to set different policyholders according to The compensation payment unit includes a compensation payment rule unit for formulating compensation payment rules, the compensation payment unit determines the amount of compensation according to the rules of the compensation payment rule unit; and a recording unit connected to receive the policyholder One or more basic data and related payment records entered through the policyholder interface, and the one or more basic data and related payment records are stored in the corresponding policyholder account in the policyholder database.

Description

Mutual Life Insurance System

This creative department is about insurance systems, especially a mutual-aided life insurance system.

In modern society, when people die, they need to prepare a ceremonial money to deal with subsequent funeral matters. However, the etiquette money often has a considerable amount. If it is prepared by the descendants after the death of the person, it will cause a greater economic burden for the descendants. Therefore, if the future generations can prepare the relevant expenses before the death of the personnel, the purpose of cost sharing can be achieved and the economic burden can be reduced. However, this self-funding method lacks a reasonable mechanism, and in fact cannot protect everyone’s income. Own rights.

Therefore, the inventor of this case hopes to propose a mechanism that can determine the amount of insurance and benefits through mutual assistance, so that each person can accumulate savings through a reasonable mechanism, and can pay a specific amount as a courtesy payment when someone dies. , In order to protect the rights and interests of everyone, and reduce the economic burden. Therefore, this case hopes to propose a new way to determine the insured amount and reimbursement based on the proportion of deceased persons in order to solve the above-mentioned prior technical defects.

Therefore, the purpose of this creation is to solve the above-mentioned conventional technical problems. In this creation, a mutual assistance life insurance system is proposed, which allows multiple policyholders to accumulate mutual aid funds, so that policyholders can accumulate savings in normal times. The time can be pre-claimed immediately, so this case can achieve the effect of mutual assistance. this The case can also pay mutual aid security funds and additional etiquette subsidies after death to reduce the burden of etiquette expenses. This case has the advantages of no medical examination, no notice, no upper age limit, and lifetime protection. Moreover, when the payment is full, the birthday benefit can be paid every year. The system in this case calculates the monthly payment amount based on the premium and mutual assistance fund, which can make the insured's own rights and interests. Get the best protection, which cannot be achieved by the conventional insurance system.

To achieve the above objectives, this creation proposes a mutual life insurance system, which includes a central server, including a processor and a memory; a mutual life insurance institution resides in the central server and is used to process policyholders. The insurance information; where the processor is used to perform the operations required by the mutual life insurance institution; the memory is used to store the data or calculation programs stored in the mutual life insurance institution in the form of computer programs, related operation results and Relevant information; the mutual life insurance institution includes a policyholder database, which stores multiple policyholder accounts, each of which corresponds to a policyholder, and the policyholder account is used to store the policyholder’s insurance information; each The policyholder’s account contains the policyholder’s basic information and related payment records; a policyholder interface is used to receive the information entered by the policyholder through the policyholder unit and output the information of the mutual life insurance institution to the policyholder. The policyholder interface; a collection unit connects the policyholder interface and the policyholder database to collect the fees paid by the policyholder. The collection unit includes a collection rule unit for setting payment rules; one compensation The payment unit is connected to the policyholder interface and the policyholder database. The compensation payment unit is used to make claims for different policyholders in accordance with the set rules; the compensation payment unit includes a compensation payment rule unit for setting compensation Payment rules, the compensation payment unit determines the amount of compensation according to the rules of the compensation payment rule unit; and a recording unit is connected to the policyholder interface and the policyholder database, and the recording unit is used to receive the policyholder’s input via the policyholder interface One or more basic data and related payment records, and save the one or more basic data and related payment records to the policyholder The corresponding policyholder account in the database.

The following description can further understand the features and advantages of this creation. Please refer to the attached drawings when reading.

3: Central server

6: Mutual life insurance institutions

10: Policyholder Unit

15: Policyholder

21: Basic information

22: Payment record

23: Compensation payment record

30: Manager Unit

32: processor

34: memory

40: Insurer's database

41: Policyholder Account

50: Insurer interface

60: Collection unit

65: Collection Rules Unit

70: Compensation payment unit

75: Compensation Payment Rules Unit

80: Pre-collection unit

90: record unit

110: Cloud Organization

120: Electronic Information Device APP

130: Electronic Information Device

Figure 1 shows the hardware architecture of this case and the connection architecture diagram between mutual life insurance institutions.

Figure 2 shows a block diagram of the main components of the mutual-aided life insurance institution in this case.

Figure 3 shows a schematic diagram of the operation of the central server and mutual life insurance agency in this case.

Figure 4 shows a schematic diagram of the information stored in the policyholder's account in this case.

Figure 5 shows a block diagram of another component architecture of the mutual-aid life insurance institution in this case.

With regard to the structural composition of this case, and the effects and advantages that can be produced, in conjunction with the drawings, a detailed description of a preferred embodiment of this case is given as follows.

Please refer to Figure 1 to Figure 5, which shows the mutual aid life insurance system of this creation, including the following components:

A central server 3 includes a processor 32 and a memory 34. The central server 3 can be implemented by different electronic information systems, where the electronic information systems include, for example, various computers, mobile phones, tablet computers, laptops, PDAs, and so on. The central server 3 needs to be built in these electronic information systems. The central server 3 is connected to at least one policyholder unit 10, and the policyholder 15 can access the central server 3 through the policyholder unit 10. The insurance policy unit 10 can be various electronic information devices, such as a notebook computer, a desktop computer, a tablet computer, a mobile phone, a PDA, etc., which can be connected to the central server 3 via a network.

A mutual life insurance institution 6 resides in the central server 3. The mutual life insurance The organization 6 is used to process the insurance information of the policyholder 15. As shown in FIG. 3, the central server 3 and the processor 32 are used to perform operations required by the mutual life insurance institution 6. The memory 34 is used to store data or calculation programs stored in the form of computer programs in the mutual life insurance institution 6, related operation results and related data.

The central server 3 is also connected to a manager unit 30, and the manager can connect to the mutual life insurance institution 6 via the manager unit 30. The manager unit 30 can be various electronic information devices, such as a notebook computer, a desktop computer, a tablet computer, a mobile phone, a PDA, etc., which can be connected to the central server 3 via a network.

The related software and data of the mutual-aided life insurance institution 6 are stored in the memory 34, and the processor 32 executes the related operations of the mutual-aided life insurance institution 6. As shown in Figure 2, the mutual life insurance institution 6 includes:

A policyholder database 40 stores multiple policyholder accounts 41, and each policyholder account 41 corresponds to a policyholder 15, and the policyholder account 41 is used to store the insurance information of the policyholder 15. As shown in FIG. 4, each policyholder account 41 includes basic information 21 of the policyholder 15 and related payment records 22.

A policyholder interface 50 for receiving the information input by the policyholder 15 via the policyholder unit 10 and outputting the information of the mutual life insurance institution 6 to the policyholder interface 50, and the policyholder 15 is through the policyholder interface 50 Enter the mutual life insurance institution 6 and perform related operations.

A collection unit 60 is connected to the policyholder interface 50 and the policyholder database 40 for collecting the fees paid by the policyholder 15. The collection unit 60 includes a collection rule unit 65 for setting premium payment rules.

The payment rules of the collection rule unit 65 are:

The policyholder 15 pays the entrance fee (such as 2,000 yuan) and the annual fee (such as 1200 yuan), and pays a predetermined premium and mutual aid each month until the predetermined total amount is reached. For example, pay a monthly premium of 2500 yuan and a mutual aid fund of 500 yuan, and pay until the amount reaches 300,000 yuan.

A compensation payment unit 70 is connected to the policyholder interface 50 and the policyholder database 40, and the compensation payment unit 70 is used to settle claims for different policyholders 15 according to the set rules. The compensation payment unit 70 includes a compensation payment rule unit 75 for setting compensation payment rules, and the compensation payment unit 70 determines the amount of compensation according to the rules of the compensation payment rule unit 75.

The compensation payment rules of the compensation payment rule unit 75 are:

From the effective date of membership to the 90th day, the total mutual aid payment, membership fee or condolence fee of 2,000 yuan, and funeral subsidy of 15,000 yuan will be refunded;

From 91 days to 12 months after joining the conference, the total mutual aid payment, 5,000 yuan for condolences and 15,000 yuan for funeral subsidies will be refunded;

From 13 to 24 months after joining the conference, the total mutual aid payment, condolence payment of 7,000 yuan and funeral subsidy of 15,000 yuan will be refunded;

From 25 to 36 months after joining, the total mutual aid payment, condolence payment of 14,000 yuan and funeral subsidy of 15,000 yuan will be refunded;

When the membership is 37 months to the full payment of 300,000 yuan, one of "300,000 yuan" or "250,000 yuan and the higher of the total mutual aid payment" will be refunded; among them, when you choose to refund 300,000 yuan , Must use special Designated etiquette practitioners;

When the 300,000 yuan is full, 3,000 yuan will be paid annually for birthdays;

When the 300,000 yuan dies after the full amount, 300,000 yuan and 15,000 yuan of funeral subsidies will be refunded;

When the age of death is between 20 and 70 years old, an accidental death mutual aid payment of 300,000 yuan will be issued. However, this amount must be issued to those who have died 30 days after the effective date, and accidents do not include home accidents.

A pre-collection unit 80 is connected to the policyholder interface 50 and the policyholder database 40 to pay the mutual aid fund that the policyholder 15 wants to pre-collect. When the policyholder 15 needs to help others, he can pre-claim a certain percentage of the paid mutual aid (such as 50%), but he must pay administrative fees and rebates. Among them, when the insured 15 joins the association for a certain period of time (for example, two years), the mutual aid can be prepaid.

A recording unit 90 is connected to the policyholder interface 50 and the policyholder database 40, and the recording unit 90 is used to receive one or more basic data 21 and related payment records 22 input by the policyholder 15 through the policyholder interface 50 , And store the one or more basic data 21 and related payment records 22 to the corresponding policyholder account 41 in the policyholder database 40.

Among them, each policyholder account 41 in the policyholder database 40 still contains a compensation payment record 23, and the process of storing and claim settlement by the policyholder 15 in the mutual life insurance institution 6 is to record the compensation payment to the policyholder account 41 Record 23.

As shown in FIG. 5, the mutual life insurance institution 6 in this case can be divided into a cloud institution 110 and an electronic information device APP (application program) 120, wherein the insured unit 10 is an electronic information device 130, and the electronic information device 130 It can be a variety of electronic devices such as mobile phones, tablet computers, notebook computers, desktop computers, and PDAs.

The user interface 50 of the mutual life insurance institution 6 is installed in the electronic information device APP 120, and the electronic information device APP 120 is installed in the electronic information device 130; the insurance of the mutual life insurance institution 6 The user database 40, the payment unit 60, the compensation payment unit 70, and the recording unit 90 are located in the cloud organization 110; wherein the insured user 15 accesses the cloud organization through the insured user interface 50 on the electronic information device 130 110 in order to carry out insurance-related operations.

The advantage of this case is that multiple policyholders can accumulate mutual aid funds, so that policyholders can accumulate savings in normal times and can pre-claim them when needed. Therefore, this case can achieve the effect of mutual assistance. In this case, mutual aid security funds and additional etiquette subsidies can also be paid after death to reduce the burden of etiquette expenses. This case has the advantages of no medical examination, no notice, no upper age limit, and lifetime protection. Moreover, when the payment is full, the birthday benefit can be paid every year. The system in this case calculates the monthly payment amount based on the premium and mutual assistance fund, which can make the insured's own rights and interests. Get the best protection, which cannot be achieved by the conventional insurance system.

In summary, the humanized and considerate design of this case is quite in line with actual needs. Compared with the conventional technology, the specific improvement of the existing defects is obviously a breakthrough and the advantage is indeed an improvement in efficacy, and it is not easy to achieve. This case has not been disclosed or disclosed in domestic and foreign documents and markets, and it has complied with the provisions of the Patent Law.

The above detailed description is a specific description of a feasible embodiment of this creation. However, this embodiment is not used to limit the scope of patent of this creation. Any equivalent implementation or modification that does not deviate from the spirit of this creation technique should be included in In the scope of the patent in this case.

3: Central server

6: Mutual life insurance institutions

10: Policyholder Unit

30: Manager Unit

32: processor

34: memory

Claims (11)

A mutual assistance life insurance system, including: A central server, including a processor and a memory; A mutual life insurance institution resides in the central server and is used to process insurance information of the policyholders; wherein the processor is used to perform operations required by the mutual life insurance institution; and the memory is used to store the mutual life insurance institution. Data or calculation programs stored in the form of computer programs in life insurance institutions, related operation results and related data; This mutual life insurance agency includes: A policyholder database stores multiple policyholder accounts. Each policyholder account corresponds to a policyholder. The policyholder account is used to store the policyholder’s insurance information; each policyholder account contains the policyholder’s basic information, And related payment records; A policyholder interface for receiving the information input by the policyholder via the policyholder unit and outputting the information of the mutual life insurance institution to the policyholder interface; A collection unit connects the policyholder interface and the policyholder database to collect fees paid by the policyholder, and the collection unit includes a collection rule unit for setting premium payment rules; An indemnity payment unit is connected to the insured user interface and the insurer’s database. The indemnity payment unit is used to make claims for different insurers in accordance with the set rules; the indemnity payment unit includes an indemnity payment rule unit for ordering Specify the compensation payment rules, and the compensation payment unit determines the amount of compensation according to the rules of the compensation payment rule unit; and A recording unit is connected to the policyholder interface and the policyholder database, and the recording unit is used to receive one or more basic data and related information input by the policyholder through the policyholder interface. Payment records, and save the one or more basic information and related payment records to the corresponding policyholder account in the policyholder database. For example, the mutual life insurance system described in item 1 of the scope of patent application, in which the payment rules set by the collection rule unit are for the policyholder to pay the entrance fee and annual fee, and pay a predetermined premium and Mutual aid funds are paid until the predetermined total amount is reached. For example, the mutual-aided life insurance system described in item 1 of the scope of patent application, wherein the mutual-aided life insurance institution also includes a pre-collection unit to connect the policyholder's interface and the policyholder’s database, which is used to pay the policyholder’s desired pre-collection The mutual aid fund. For example, the mutual assistance life insurance system described in item 3 of the scope of patent application, in which when the policyholder needs to help others, the pre-collection unit can pre-collect a specific proportion of the mutual assistance paid in advance, and must pay administrative fees and Rebate payment, and the mutual aid payment can only be pre-claimed when the insured member joins the club for a certain period of time. For example, in the mutual life insurance system described in item 1 of the scope of patent application, the compensation payment rules of the compensation payment rule unit are: From the effective date of membership to the 90th day, the total mutual aid payment, membership fee or condolence fee of 2,000 yuan, and funeral subsidy of 15,000 yuan will be refunded; From 91 days to 12 months after joining the conference, the total mutual aid payment, 5,000 yuan for condolences and 15,000 yuan for funeral subsidies will be refunded; From 13 to 24 months after joining the conference, the total mutual aid payment, condolence payment of 7,000 yuan and funeral subsidy of 15,000 yuan will be refunded; From 25 to 36 months after joining, the total mutual aid payment, condolence payment of 14,000 yuan and funeral subsidy of 15,000 yuan will be refunded; When the membership is 37 months to the full payment of 300,000 yuan, the total payment will be increased from "300,000 yuan" and "250,000 yuan". Choose one of the “higher of mutual aid funds” to be refunded; among them, when choosing to refund 300,000 yuan, a specific etiquette business must be used; When the 300,000 yuan is full, 3,000 yuan will be paid annually for birthdays; When the 300,000 yuan dies after the full amount, 300,000 yuan and 15,000 yuan of funeral subsidies will be refunded; When the age of death is between 20 and 70 years old, an accidental death mutual aid payment of 300,000 yuan will be issued; but this amount must be issued to those who died 30 days after the effective date, and accidents do not include home accidents. For example, the mutual life insurance system described in item 1 of the scope of patent application further includes a policyholder unit, which is connected to the central server, and the policyholder enters the central server through the policyholder unit. For the mutual life insurance system described in item 6 of the scope of patent application, the policyholder unit is selected from notebook computers, desktop computers, tablet computers, mobile phones, and PDAs. For example, the mutual life insurance system described in item 1 of the scope of patent application, wherein each of the policyholder accounts in the policyholder database also contains claim settlement records, and the process of the policyholder’s storage and settlement of claims in the mutual life insurance institution is a record To the claim settlement record of the insured account. For example, the mutual life insurance system described in item 1 of the scope of patent application, wherein the mutual life insurance institution is divided into a cloud institution and an electronic information device APP (application program), wherein the policyholder unit is an electronic information device; the mutual assistance The policyholder interface of the life insurance institution is installed in the electronic information device APP, and the electronic information device APP is installed in the electronic information device; the policyholder database and the payment unit of the mutual life insurance institution , The compensation payment unit and the recording unit are located in the cloud institution; wherein the insured user enters the cloud institution through the insured user interface on the electronic information device to perform insurance related operations. For example, in the mutual life insurance system described in item 1 of the scope of patent application, the central server is also connected to a manager unit, and the manager communicates with the mutual life insurance system through the manager unit. Insurance agency connection. For the mutual life insurance system described in item 10 of the scope of patent application, the manager unit is selected from notebook computers, desktop computers, tablet computers, mobile phones, and PDAs.

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