TWM613595U - Insurance product premium discount system and insurance company end server - Google Patents

Abstract

An insurance product premium discount system, which enables a consumer to query an insurance company-side server for insurance products through a user terminal device, the insurance company-side server provides a query result screen to the user terminal device, and the query result The screen contains the insurance product and a premium to be paid for the insurance product, and provides a bonus redemption insurance or premium discount option for selection; the user terminal device determines that the bonus redemption insurance or premium discount option is selected, and provides a Authorize the use of bonus information to the server of the insurance company; the server of the insurance company uses the bonus information according to the authorization, and asks the server of the bonus source to provide an amount corresponding to the bonus obtained by the consumer. The amount is deducted from the premium for the insured product.

Description

Insurance product premium discount system and insurance company-side server

This model relates to an insurance product payment system, in particular to an insurance product premium discount system.

In order to encourage consumption, when consumers use cash, credit card, mobile payment, third-party payment or electronic payment for consumption (such as shopping or payment of various payments) or participate in activities organized by merchants, credit card issuing banks or payment platforms, they often receive Merchants, credit card issuing banks, or payment platforms that provide the aforementioned payment methods provide bonuses (such as amount, points, or other rewards with unlimited names), so that consumers can use these bonuses to redeem the purchase amount or redeem for specific goods, etc., but Some consumers will forget or do not know how to use the bonus, and do not enjoy the benefits of the bonus.

Therefore, if the dividends received by consumers due to consumption or participation in activities can be automatically converted into insurance protection, in addition to making full use of the dividends and allowing consumers to enjoy the benefits of dividends, it can also closely integrate consumption and insurance. Buying insurance is no longer a pure purchase behavior, but through daily consumption, deepening consumers' awareness of insurance, so that insurance naturally becomes a part of life.

Therefore, the purpose of the present invention is to provide an insurance product premium discount system and an insurance company-side server, which can automatically exchange the dividends obtained by the consumer or the amount of additional consumption for insurance products, discount insurance products Insurance premiums and/or increase the insurance limit of insurance products.

Therefore, the new insurance product premium discount system includes a bonus source server, an insurance company server, which can communicate with the bonus source server via a network, and a user terminal device. It can communicate with the server of the insurance company via the Internet; wherein the server of the bonus source records a bonus obtained by a consumer due to consumption or participation in activities; the user terminal device can query the server of the insurance company An insurance product, and the insurance company’s server provides a query result screen to the user terminal device. The query result screen contains the insurance product and a premium to be paid for the insurance product, and provides a redemption of the insurance product or a bonus discount The premium deductible option is available for selection; after the user terminal device determines that the redemption of insurance product or the bonus deducted premium option is selected, it provides an authorization to access the bonus information to the server of the insurance company; the server of the insurance company is based on the authorization The bonus information is taken, and the bonus source server is requested to provide an amount corresponding to the bonus obtained by the consumer, and the amount is used to offset the premium of the insurance product.

In some implementation aspects of the present invention, the insurance product is a protection type insurance product and has an insurance limit, and when the amount is offset by the premium, there is a balance, the insurance company's server will use the balance to increase Purchasing the insurance limit increases the insurance limit of the protection type insurance product.

In some implementation aspects of the present invention, the bonus source server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "automatic withdrawal at least X per month" %" option is available for selection, and the user terminal device determines that the option of "Automatically withdraw at least X% per month" is selected, and provides an authorized deduction information indicating X% of the monthly self-withdrawn consumption amount to the insurance company The end server, and the insurance company’s end server provides the authorized debit information to the credit card issuing bank server so that the credit card issuing bank server can query the consumer’s current month’s bill amount based on the authorized debit information. And calculate X% of the bill amount to obtain a withdrawal amount, and use the total amount payable after the sum of the bill amount and the withdrawal amount as the actual amount payable by the consumer in the current month, and the The server of the credit card issuing bank provides the withdrawal amount to the server of the insurance company; the server of the insurance company uses the amount of the withdrawal provided by the server of the credit card issuing bank to offset the payment for the investment insurance product in the next month The premium.

In some implementation aspects of the present invention, the bonus source server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "full deduction for each purchase" Options are available for selection, and after the user terminal device determines that the "full deduction for each purchase" option is selected, it provides an authorized deduction information indicating full deduction for consumption to the server of the insurance company, and the insurance company The end server provides the authorized debit information to the server of the credit card issuing bank, so that the credit card issuing bank server queries the consumer's at least one consumption amount in the current month based on the authorized deduction information, and calculates the consumption amount and the full amount The difference between the two, and the difference is used as a fund, and the at least one consumption amount and the total amount payable after the sum of the funds are used as the actual amount payable by the consumer in the current month, and the credit card is issued The bank server provides the funds to the insurance company-side server; the insurance company-side server uses the funds provided by the credit card issuing bank server to deduct the premium to be paid for the investment insurance product the following month.

In addition, an insurance company-side server of the present invention can communicate with a bonus source-side server and a user terminal device via a network, and the bonus-source-side server records a consumer's income from consumption or participation in activities Bonus; the insurance company-side server includes a storage unit, a communication interface, and a processing unit; wherein the storage unit records a premium for an insurance product purchased by the consumer; the communication interface is used to communicate with the source of the bonus The end server establishes a connection with the user terminal device for communication; the processing unit is connected with the storage unit and the communication interface; the communication interface transmits an insurance policy inquiry command sent from the user terminal device to inquire about the insurance product To the processing unit, the processing unit obtains the insurance product and the premium related to the policy query instruction from the storage unit, and provides a query result screen to the user terminal device through the communication interface, and the query result screen includes the The insurance product and the premium, and an option of redeeming insurance product or bonus discounting premium is provided for users to choose; the communication interface sends a selection instruction of the redeeming insurance product or bonus discounting option and an authorization to take bonus information to The processing unit, which accesses the bonus information according to the authorization, requests the bonus source server through the communication interface to provide an amount corresponding to the bonus obtained by the consumer, and uses the amount to offset the insurance product to be paid Of that premium.

In some implementation aspects of the present invention, the insurance product recorded by the storage unit is a protection type insurance product and has an insurance limit, and when there is a balance after the amount is deducted from the premium, the processing unit uses the balance Purchase the insurance limit, and increase the insurance limit of the protection type insurance product.

In some implementation aspects of the present invention, the bonus source server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "automatic withdrawal at least X per month" %" option for selection, and the communication interface sent from the user terminal device to select a selection command for the option of "Automatically withdraw at least X% per month" and an authorization to instruct X% of the monthly self-withdrawal consumption amount The debit information is sent to the processing unit, and the processing unit sends the authorized debit information to the credit card issuing bank server through the communication interface, so that the credit card issuing bank server queries the consumer’s current month’s data based on the authorized debit information A bill amount, and calculate X% of the bill amount to obtain a withdrawal amount, and use the total sum of the bill amount and the withdrawal amount as the total amount payable by the consumer in the current month The actual amount, and the credit card issuing bank server provides the withdrawal amount to the processing unit through the communication interface; the processing unit uses the withdrawal amount provided by the credit card issuing bank server to offset the investment insurance product for the next month The premium to be paid.

In some implementation aspects of the present invention, the bonus source server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "full deduction for each purchase" Options are available for selection, and the communication interface sends a selection command from the user terminal device to select the "full deduction for each purchase" option and an authorized deduction information indicating full deduction for consumption to the processing unit, The processing unit sends the authorized deduction information to the credit card issuing bank server through the communication interface, so that the credit card issuing bank server queries the consumer's at least one consumption amount in the current month based on the authorized deduction information, and calculates the amount The difference between the consumption amount and the full amount, and the difference is used as a fund, and the at least one consumption amount and the total amount payable after the sum of the funds are used as the actual amount that the consumer should pay in the current month , And the credit card issuing bank server provides the funds to the processing unit through the communication interface; the processing unit uses the funds provided by the credit card issuing bank server to deduct the insurance premium for the investment insurance product in the next month.

The effect of this new model is that the insurance company server obtains the consumer's authorization to discount the premium of the insurance products purchased by the consumer from the insurance company with the bonus, so that the consumer can enjoy the benefits of the bonus and can also be used to offset the premium After the remaining dividends increase the insurance limit of insurance products, the insurance limit can be adjusted flexibly according to the amount of dividends generated by the consumer’s consumption, and with the authorization of the consumer, a specific percentage of the monthly consumption bill amount or a specific percentage of each The difference between a consumption amount and the full amount is used as a capital to offset the insurance premium, which can closely integrate consumption and insurance, and deepen consumers’ awareness of insurance; and the new model can automatically exchange the amount corresponding to the bonus for insurance products or Discounting premiums and/or automatically calculates the additional amount of consumption and automatically offsets the premium with the additional amount, making the sources of premium payment more diversified, flexible and convenient.

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

Refer to Figure 1, which is an embodiment of the new insurance product premium discount system, which mainly includes a bonus source server 1, an insurance company server 2 and a user that can communicate with each other via the Internet, for example. The terminal device 3, where the bonus source server 1 can be, but is not limited to, a credit card issuing bank server, a mobile payment platform (such as Apple Pay, LINE Pay, street payment, etc.) server, and a third-party payment Platform (such as Paypal, O'Pay, Green World Technology ECPay, etc.) server, an electronic payment platform (such as LINE Pay, jiekou payment, leisure payment, etc.) server and an e-commerce platform (such as PChome, Yahoo, Qimo, etc.) One of the servers of chain supermarkets, drugstores, convenience stores, etc. with network service platforms, or any combination thereof, and the dividend source server 1 records the dividends obtained by many consumers; for the convenience of explanation, the following Take the bonus of a consumer recorded therein as an example to illustrate the process of discounting the premium of the insurance product with the bonus.

The insurance company-side server 2 is provided by an insurance company, and as shown in FIG. 1, the insurance company-side server 2 mainly includes a storage unit 21 composed of memory, and a network communication function such as a network card. (Or called a network interface controller) with a communication interface 22 that establishes a connection with the bonus source server 1 and/or the user terminal device 3, and an electrical connection with the storage unit 21 and the communication interface 23 The processing unit 23 is, for example, a central processing unit. In addition, the storage unit 21 records many insurance products purchased by insurers and related information, such as the premium payable for the insurance product and the insurance limit, etc.; and for the convenience of description, this embodiment uses the storage unit 21 to record The above-mentioned insurance product purchased by the consumer (insurer) is illustrated as an example, and the insurance product purchased by the consumer is subject to premiums. The user terminal device 3 is mainly a smart phone as an example, but is not limited to a smart phone, and can also be a tablet computer, a notebook computer, or a desktop computer.

Moreover, in this embodiment, in order to achieve the purpose of deducting the premium of the insurance product with the dividends obtained by the consumer, the user terminal device 3 (smart phone or tablet) needs to be installed in advance with an application, such as a An application that can establish a connection with the insurance company's server 2 to use the online service provided by the insurance company to establish a connection with the insurance company's server 1 through the application, and bind only for that use The terminal device 3 logs in to the insurance company’s server 1, and the consumer registers with the insurance company’s server 1 as an online insurance member through the application, and can then register to the insurance company’s server 1 through the application. Carry out online insurance, and after completing the insurance, the consumer can use the application to set the bonus to offset the premium of the insurance product. In addition, the consumer can also make the user terminal device 3 directly enter a website provided by the insurance company’s server 1 without installing or executing the application on the user terminal device 3, After the website is registered as an online insurance member, you can apply for online insurance from the server 1 of the insurance company through the website and set the bonus to offset the premium of the insurance product.

Therefore, as described above, suppose that after the consumer purchases an insurance product from the insurance company, he wants to use the bonus to offset the premium of the insurance product, as shown in step S1 of Figure 2, the consumer asks the user to After the terminal device 3 executes the above-mentioned application program, it can send an insurance policy query command to query the insurance product through the application program to the communication interface 22 of the insurance company's server 2, and then the communication interface 22 transmits the insurance policy query Instructions are given to the processing unit 23. The processing unit 23 obtains the insurance product and the premium related to the policy query command from the storage unit 21 according to the policy query command, and provides (returns) a query through the communication interface 22 in step S2 of FIG. The result screen is presented to the user terminal device 3, where, as shown in Fig. 3, the query result screen contains the insurance product, such as one-year accident insurance, and the premium (10 yuan) and insurance limit (100,000) of the insurance product. Yuan), and provide a bonus option to offset premiums, such as the "Use Bonus" in Figure 3 for selection.

When the consumer selects (or selects) the bonus discount option and selects the "OK" option at the bottom of the screen in Figure 3, the application will ask the consumer to provide (input) relevant information about the authorization to use the bonus, and also That is to provide the consumer's identification information recorded in the bonus source server 1, such as the credit card number provided to the consumer by the bonus source server 1, or the identification code or member information provided to the consumer by the above payment platform Wait. Then, in step S3 of FIG. 2, the user terminal device 3 transmits a selection instruction for selecting the bonus discount option through the communication interface 22 and an authorization to use the bonus information containing the consumer's identification information to the The processing unit 23 of the server 2 of the insurance company.

As a result, in step S4 of FIG. 2, the processing unit 23 can access the bonus information according to the authorization, one-time or regularly (for example, at the end of each month or a set date) to the bonus source terminal through the communication interface 22 Server 1 requests an amount corresponding to the consumer's bonus. Therefore, the bonus source server 1 will query the consumer's unused bonus based on the authorized bonus information from the insurance company's server 2 After converting the bonus into the corresponding amount, step S5 in Figure 2 returns the amount to the server 2 of the insurance company. At the same time, the server 1 of the bonus source will deduct the consumer's bonus, and Further note the purpose of the bonus deducted (for example, to offset the premium of XX insurance products).

After the insurance company-side server 2 receives the amount returned from the bonus source-side server 1, step S6 in Figure 2, the insurance company-side server 2 will discount the insurance product with the amount (one year Periodic accident insurance) The premium (10 yuan) to be paid in the following month. For example, suppose that the consumer first purchases a one-year accident insurance with a variable (incremental) insurance limit for a basic amount, such as a premium of 10 yuan, and the insurance product becomes effective on April 1, 2020, and the consumption In April of the same year, the amount corresponding to the bonus generated by consumption is 80 yuan, then the insurance company’s server 2 automatically takes the 80 yuan to pay the insurance premium (10 yuan) for the insurance product in May, and there is still 70 yuan left. yuan. Therefore, in addition to consumers not having to pay the original premium by themselves, the server 2 of the insurance company will automatically increase the insurance limit of the insurance product with the remaining amount (70 yuan) after paying the premium, that is, increase the insurance limit of the insurance product. The insurance limit of the insurance product, for example, is changed from 100,000 to 200,000; in the same way, when the amount corresponding to the dividend of the consumer in May is 120 yuan, the server 2 of the insurance company uses the 120 yuan to pay the If the insurance product has 110 yuan remaining after the premium (10 yuan) in June, the insurance company's server 2 will automatically purchase (increase) the insurance limit of the insurance product again with the remaining amount (110 yuan), for example from 200,000 becomes 350,000. In this way, before the expiration of the insurance product, the insurance limit will be flexibly changed due to the amount of available dividends generated by the consumer's consumption. Therefore, the dividends generated by the consumer's consumption can be used in addition to the insurance premiums. Increasing insurance coverage can encourage consumers to continue to consume.

It is worth mentioning that when consumers do not want to use the dividends generated by consumption to pay the premium, they only need to query the insurance product again through the application of the user terminal device 3, and in the query result screen shown in Figure 3 After deselecting (or ticking) the bonus deducted premium option and selecting the "OK" option at the bottom of the screen in Figure 3, the user terminal device 3 will send a canceling bonus deducted premium command to the insurance company's server 2. After the insurance company server 2 receives the instruction of canceling the bonus to offset the premium, it stops the above-mentioned operation of discounting the premium with the bonus obtained by the consumer.

In addition, another implementation aspect of this embodiment is that in the above steps S1 and S2, the query result screen shown in FIG. 4, if the insurance product purchased by the consumer query has a fixed insurance limit, such as accident When the actual insurance limit is 30,000 yuan, and the accidental death insurance limit is 300,000 yuan for one-year accident insurance, the premium is fixed, such as a monthly payment of 60 yuan. Then when the consumer wants to use the dividends obtained from the consumption to offset the premiums, he selects the bonus discounted premium option shown in Figure 4, for example, "Bonus discounted premiums" and selects the "OK" option at the bottom of the screen in Figure 4, as described above , The user terminal device 3 obtains an authorized access bonus information provided by the consumer, and in step S3 of FIG. 2, the user terminal device 3 transmits a selection instruction for selecting the bonus discount option and the authorized access Use the bonus information to the server of the insurance company 2. In this way, in step S4 of FIG. 2, the insurance company-side server 2 can request the dividend source-side server 1 to provide an amount corresponding to the dividends obtained by the consumer in the current month according to the authorized access bonus information, for example, suppose The consumer swiped the card to spend 4,900 yuan in August and can enjoy a 1% reward, that is, a bonus of 49 yuan; then in step S5 of Figure 2, the bonus source server 1 returns the amount (49 yuan) to the insurance After the company-side server 2, the insurance company-side server 2 receives the amount (49 yuan) returned by the bonus source-side server 1, as shown in step S6 in Figure 1, the insurance company-side server 2 will The amount (49 yuan) is discounted to the insurance premium (60 yuan) to be paid for the next month (September) of the insurance product (one-year accident insurance). Therefore, when the consumer queries the insurance company-side server 2 through the application of the user terminal device 3 for the insurance product (one-year accident insurance) for the next month (September), as shown in Figure 5 , The premium query result screen shows that the premium in September can be reduced by 49 yuan, so you only need to pay 11 yuan (the premium after the September discount).

It can be seen that in the above implementation pattern, when the amount corresponding to the monthly dividend is greater than the premium to be paid in the next month, at most the premium of the next month will be fully discounted, and the remaining bonus after the discount will be deposited back to the bonus Source server 1. In the same way, after consumers have set the bonus to offset premiums, they can also deselect (or check) the bonus offsets premium option on the query result screen shown in Figure 4 by querying the insurance product. The insurance company's server 2 will stop the above-mentioned operation of discounting premiums with dividends.

Furthermore, another implementation aspect of this embodiment is that in the above steps S1 and S2, as shown in the query result screen shown in FIG. 6, if the insurance product purchased by the consumer inquired is a one-year investment insurance For commodities, the premium is 1,000 yuan per month. Like the above steps S3~S6, the consumer can select the bonus discount option provided on the query result screen, such as "monthly credit card bonus automatic transfer", and use the bonus generated by the consumer's card for the current month to offset The premium for the next month of the insurance product. Therefore, when the consumer queries the insurance company-side server 2 for the account of the investment insurance product through the application of the user terminal device 3, as shown in Figure 7, the account query result screen displays the premium for the next month ( 1000 yuan) and the amount that can be deducted from the current month's dividend (35 yuan), so only 965 yuan (premium after discount) will be paid the following month.

In addition, as shown in Figure 8, the query result screen not only provides the option of "Monthly Credit Card Bonus Automatic Transfer" to offset premiums, but also provides an option of "Automatically withdraw at least X% per month (for example, 10%)". Therefore, when the consumer chooses the option of "Automatic withdrawal at least 10% per month", the user terminal device 3 requires the consumer to provide an authorization deduction information indicating 10% of the monthly withdrawal consumption amount ( For example, when debiting with a credit card, the consumer’s credit card deduction related information is provided), and then, as in the above step S3, the user terminal device 3 selects the option of "Automatic withdrawal at least 10% per month" selected by the consumer A selection command and the authorized deduction information are sent to the server 2 of the insurance company.

Thereby, as in the above steps S4~S6, the processing unit 23 of the server 2 of the insurance company can transmit the authorized debit information to the server of the relevant credit card issuing bank (that is, the bonus The source server 1) enables the credit card issuing bank server to query the consumer’s current month’s bill amount, such as 4500 yuan, based on the authorized debit information, and calculate 10% of the bill amount (4500 yuan) to obtain A withdrawal amount is 45 yuan, and the total amount payable (4545 yuan) after the sum of the bill amount (4500 yuan) and the withdrawal amount (45 yuan) is used as the consumer's current month's payment The actual amount, and the credit card issuing bank’s server provides the withdrawal amount (45 yuan) to the insurance company’s server 2; therefore, when the consumer sends to the insurance company through the application of the user terminal device 3 When the server 2 queries the account of the investment insurance product, as shown in Figure 9, the account query result screen displays the premium of the next month (1000 yuan) and the current month's consumption withdrawal fee (45 yuan), so the next month only needs to pay 955 Yuan (deducted premium), that is, the processing unit 23 will use the withdrawal amount (45 yuan) provided by the server of the credit card issuing bank to offset the premium to be paid for the investment insurance product in the next month.

Furthermore, as shown in Figure 10, the query result screen also provides an option of "full deduction for each purchase" for selection. Therefore, when the consumer selects the option "full deduction for each purchase", the user terminal The device 3 requests the consumer to provide an authorization deduction information indicating the full deduction of the consumption (for example, when paying with a credit card, the consumer's credit card payment related information is provided), and then, as in the above step S3, the user terminal device 3 will A selection command of the "full deduction for each purchase" option selected by the consumer and the authorized deduction information are sent to the server 2 of the insurance company.

Thereby, as in the above steps S4~S6, the processing unit 23 of the server 2 of the insurance company can transmit the authorized debit information to the server of the relevant credit card issuing bank (that is, the bonus The source server 1) enables the server of the credit card issuing bank to query the consumer’s consumption amount in the current month based on the authorized deduction information, and calculate the difference between each consumption amount and the full amount, and use the difference As a fund, for example, the consumer has three consumption amounts that are 13 yuan (full amount is 20 yuan), 71 yuan (full amount is 80 yuan), and 151 yuan (full amount is 160 yuan). Obtain three funds, namely 7, 9, 9 and 9 yuan, and use the three consumption amounts (235 yuan) and the three funds (25 yuan) to add up to a total amount (that is, 260 yuan) As the actual amount payable by the consumer in the current month, and the server of the credit card issuing bank provides the three funds (25 yuan) to the server 2 of the insurance company.

Therefore, when the consumer queries the insurance company-side server 2 for the account of the investment insurance product through the application of the user terminal device 3, as shown in Figure 11, the account query result screen displays the premium of the next month ( 1000 yuan) and the funds generated from consumption in the current month (25 yuan), so only 975 yuan (after discounting the premium) will be paid the following month, that is, the processing unit 23 will use the funds (25 yuan) provided by the server of the credit card issuing bank ) To offset the premium for the investment insurance product in the next month.

Furthermore, another implementation aspect of this embodiment is similar to the process and structure disclosed in Figures 1 and 2, except that the process and operation items have been adjusted. As shown in Figure 12, when the consumer uses the After the terminal device 3 executes the above-mentioned application program, the application program can be used to send a request command to participate in insurance product activities to the communication interface 22 of the insurance company's server 2 in step T1 of FIG. 13, and the request command includes The consumer provides (inputs) information related to the authorization to use the bonus, that is, provides the consumer's identification information recorded in the bonus source server 1, for example, the credit card provided by the bonus source server 1 to the consumer The card number or the identification code or member information provided by the payment platform to the consumer, the receiver enters step T2 and then the communication interface 22 transmits the request command to the bonus source server 1. At this time, the bonus source server The device 1 obtains the consumption amount of the consumer during the insurance product activity period, and returns and stores the consumption amount in the storage unit 21 of the server 2 of the insurance company in step T3 of FIG. 11, and the processing unit 23 According to a bonus corresponding to the consumption amount, it is judged whether the consumer is eligible for the insurance product activity that he wants to participate in, and if so, the bonus is converted into the insured amount of the insurance product according to a predetermined rule (for example, a traffic accident insurance of 100,000 ), and then enter step T4 to provide the result to the user terminal device 3, such as the prompt screen shown in Figure 14, which displays a bonus redemption insurance option (for example, "I want to redeem"), and the consumer can select the bonus at this time Redeem insurance options and obtain the protection of the insurance product.

In addition, when the consumer confirms the redemption, it will enter steps T5 and T6 in Fig. 13, the processing unit 23 receives the consumer’s confirmation, and can instruct the authorization information contained in the request according to the request, and send the information to the user through the communication interface 22 The bonus source server 1 performs split accounting of the insurance product.

Finally, after confirming the insurance, the user terminal device 3 will display a screen as shown in Figure 15 to allow consumers to confirm whether they want to cover the insurance product after the expiration date. After confirmation, the relevant deduction method can be as previously disclosed Various methods are not limited to this.

To sum up, the above embodiment uses the consumer's authorized server 2 of the insurance company to offset (deduct) the premiums of the insurance products purchased by the consumer from the insurance company with the dividends obtained from the consumer's consumption, except that the dividends can be utilized and combined In addition to allowing consumers to enjoy the benefits of dividends, they can also use the remaining dividends after discounting insurance premiums to increase the insurance limit of insurance products, so that the insurance limit can be adjusted flexibly according to the amount of dividends generated by consumers’ consumption. It can encourage consumers to continue to consume; in addition, the above embodiment automatically allocates a certain percentage of the monthly consumption bill amount or allocates a difference between each consumption amount and the full amount as a deduction for insurance premium funds, It can also integrate consumption and insurance closely, so that buying insurance is no longer a pure purchase, but through daily consumption, deepening consumers’ awareness of insurance, and making insurance a natural part of life; The insurance product premium discount system can automatically offset the premium with the amount corresponding to the bonus and/or automatically calculate the additional amount due to consumption and automatically offset the premium with the additional amount to make the source of premium payment It is more diversified, flexible and convenient, and achieves the efficacy and purpose of the present invention.

However, the above are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

1: Bonus source server 2: Insurance company server 21: storage unit 22: Communication interface 23: processing unit 3: User terminal device S1~S6: steps T1~T6: steps

Other features and effects of the present invention will be clearly shown in the embodiments with reference to the drawings, in which: Figure 1 shows the electronic devices mainly included in an embodiment of the new insurance product premium discount system; Figure 2 is the main process steps of the implementation of the insurance product premium discount in this embodiment; 3 is a schematic diagram of the user terminal device of this embodiment displaying an insurance product query result screen, in which it is displayed that the option "Use bonus" is selected; FIG. 4 is a schematic diagram of the user terminal device of the present embodiment displaying another insurance product query result screen, in which it is displayed that the "bonus discount premium" option is selected; FIG. 5 is a schematic diagram of the user terminal device of this embodiment displaying the premium query result screen of the insurance product shown in FIG. 4, in which the deductible amount of the premium is displayed; 6 is a schematic diagram of another insurance product query result screen displayed on the user terminal device of this embodiment, in which it shows that the "monthly credit card dividend automatic transfer" option is selected; FIG. 7 is a schematic diagram of an account query result screen displayed on the user terminal device of this embodiment, in which the bonus points that can be deducted from the premium are displayed; FIG. 8 is a schematic diagram of another insurance product query result screen displayed by the user terminal device of this embodiment, in which it is displayed that the option of "Automatically pick up at least X% per month" is selected; FIG. 9 is a schematic diagram of an account query result screen displayed on the user terminal device of this embodiment, in which the consumption withdrawal funds that can be deducted from the insurance premium are displayed; FIG. 10 is a schematic diagram of another insurance product query result screen displayed on the user terminal device of this embodiment, in which it is shown that the option of "full deduction for each purchase" is selected; FIG. 11 is a schematic diagram of an account query result screen displayed on the user terminal device of this embodiment, in which funds that can be deducted for insurance premiums are displayed; FIG. 12 is a schematic diagram of the user terminal device of this embodiment displaying an insurance product activity, in which the option of displaying "login activity" is selected; Figure 13 is the main process steps of the implementation of insurance commodity activities in this embodiment; FIG. 14 is a schematic diagram of the user terminal device of this embodiment displaying participation in the insurance product activity, in which it is displayed that the "I want to redeem" option is selected; and 15 is a schematic diagram of the user terminal device of this embodiment showing whether the insurance product activity is renewed.

1: Bonus source server

2: Insurance company server

21: storage unit

22: Communication interface

23: processing unit

3: User terminal device

Claims (9)

A premium discount system for insurance products, including: One bonus source server; An insurance company-side server that can communicate with the bonus source-side server via the Internet; and A user terminal device that can communicate with the server of the insurance company via a network; wherein The bonus source server records a bonus received by a consumer; The user terminal device can query the insurance company-side server for insurance products, and the insurance company-side server provides a query result screen to the user terminal device. The query result screen includes the insurance product and the insurance product to be paid One insurance premium, and provide one bonus redemption insurance or premium discount options for selection; After determining that the bonus redemption insurance or premium discount option is selected, the user terminal device provides an authorization to use bonus information to the server of the insurance company; The insurance company-side server obtains the bonus information according to the authorization, requests the bonus source-side server to provide an amount corresponding to the consumer bonus, and uses the amount to offset the premium for the insurance product. The insurance product premium discount system according to claim 1, wherein the insurance product is a protection type insurance product and has an insurance limit, and when the amount is offset by the premium, there is a balance, the server of the insurance company The balance will be used to purchase the insurance limit, and the insurance limit of the protection type insurance product will increase. The insurance product premium discount system described in claim 1, wherein the bonus source server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "monthly" Automatic self-withdrawing at least X%" option is available for selection, and the user terminal device determines that the "monthly automatic withdrawing at least X%" option is selected, and provides an authorization deduction indicating X% of the monthly self-withdrawing consumption amount The information is provided to the server of the insurance company, and the server of the insurance company provides the authorized deduction information to the server of the credit card issuing bank, so that the credit card issuing bank server can query the consumer’s current month’s data based on the authorized deduction information A bill amount, and calculate X% of the bill amount to obtain a withdrawal amount, and use the total sum of the bill amount and the withdrawal amount as the total amount payable by the consumer in the current month The actual amount, and the credit card issuing bank server provides the withdrawal amount to the insurance company server; the insurance company server uses the withdrawal amount provided by the credit card issuing bank server to offset the investment insurance product The premium to be paid in the following month. The insurance product premium discount system described in claim 1, wherein the bonus source server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "per transaction" The “full deduction for consumption” option is available for selection, and the user terminal device determines that the “full deduction for each consumption” option is selected, and provides an authorized deduction information indicating full deduction for consumption to the server of the insurance company. The server of the insurance company provides the authorized deduction information to the server of the credit card issuing bank, so that the credit card issuing bank server queries the consumer’s at least one consumption amount in the current month based on the authorized deduction information, and calculates the amount The difference between the consumption amount and the full amount, and the difference is used as a fund, and the at least one consumption amount and the total amount payable after the sum of the funds are used as the actual amount that the consumer should pay in the current month , And the server of the credit card issuing bank provides the funds to the server of the insurance company; the server of the insurance company uses the funds provided by the server of the credit card issuing bank to offset the investment-type insurance product that needs to be paid the next month Premium. The insurance product premium discount system described in claim 1, wherein the bonus source server is a credit card issuing bank server, a mobile payment platform server, a third-party payment platform server, and an electronic payment platform server One or any combination of the server and an e-commerce platform server. An insurance company-side server, which can communicate with a bonus source-side server and a user terminal device via a network, and the bonus-source-side server records a bonus obtained by a consumer; the insurance company-side server includes : A storage unit, which records a premium to be paid for an insurance product; A communication interface for establishing a connection with the bonus source server and the user terminal device for communication; and A processing unit electrically connected with the storage unit and the communication interface; wherein The communication interface transmits an insurance policy query command for querying the insurance product from the user terminal device to the processing unit, and the processing unit obtains the insurance product and the premium related to the insurance policy query command from the storage unit, and Provide a query result screen to the user terminal device through the communication interface, the query result screen includes the insurance product and the premium, and provides a bonus redemption insurance or premium discount option for selection; The communication interface sends a selection command and an authorization to use bonus information from the user terminal device to select the bonus redemption insurance or premium discount option to the processing unit, and the processing unit uses the bonus information according to the authorization, Through the communication interface, the dividend source server is requested to provide an amount corresponding to the consumer dividend, and the amount is used to offset the premium for the insurance product. The insurance company-side server according to claim 6, wherein the insurance product recorded by the storage unit is a protection type insurance product and has an insurance limit, and when the amount is offset by the premium and there is a balance, the process The unit uses the balance to purchase the insurance limit, which increases the insurance limit of the protection type insurance product. The insurance company-side server according to claim 6, wherein the bonus source-side server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "monthly automatic At least X% self-withdrawing option is available for selection, and the communication interface sends a selection command from the user terminal device to select the “automatic self-withdrawing at least X% per month” option and an instruction to withdraw the consumption amount each month X% of the authorized debit information is sent to the processing unit, and the processing unit sends the authorized debit information to the credit card issuing bank server through the communication interface, so that the credit card issuing bank server inquires the credit card based on the authorized debit information Consumer’s current month’s bill amount, and calculate X% of the bill amount to obtain a withdrawal amount, and use the sum of the bill amount and the withdrawal amount as the total amount payable for the consumer The actual amount payable in the current month, and the credit card issuing bank server provides the withdrawal amount to the processing unit through the communication interface; the processing unit uses the withdrawal amount provided by the credit card issuing bank server to offset the investment type The premium to be paid for the insurance product the following month. The insurance company-side server according to claim 6, wherein the bonus source-side server is a credit card issuing bank server, the insurance product is an investment insurance product, and the query result screen also provides a "per transaction" "Full deduction" option is available for selection, and the communication interface sends a selection command from the user terminal device to select the "Full deduction for each purchase" option and an authorized deduction information indicating full deduction for consumption. The processing unit, which transmits the authorized debit information to the credit card issuing bank server through the communication interface, so that the credit card issuing bank server inquires about at least one consumption amount of the consumer in the current month based on the authorized debit information, And calculate the difference between the consumption amount and the full amount, and use the difference as a fund, and use the at least one consumption amount and the sum of the fund to be the total amount payable as the consumer’s current month’s payment The actual amount paid, and the credit card issuing bank’s server provides the funds to the processing unit through the communication interface; the processing unit uses the funds provided by the credit card issuing bank’s server to offset the investment-type insurance product to be paid the next month Of that premium.

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