TWM618893U - Electronic device for insuring - Google Patents
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Abstract
Description
本新型屬於電子裝置領域,特別是一種用於投保的電子裝置。 The new type belongs to the field of electronic devices, in particular to an electronic device used for insurance.
為增進投保流程的便利性,數位化的線上投保軟體及行動應用程式已成為保險產業的趨勢。在保險的市場中,保險業務員扮演不可或缺的角色,惟市面上所提供的投保平台主要是針對消費者所開發設計,並無合適的用於投保的電子裝置供保險業務員使用。然而,特別是較為複雜的產險投保業務,更能迫切感受到不足。有鑑於此,本領域亟需一種改良的用於投保的電子裝置,以改善先前技術的不足。 In order to enhance the convenience of the insurance application process, digital online insurance application software and mobile applications have become a trend in the insurance industry. In the insurance market, insurance salespersons play an indispensable role, but the insurance application platforms provided on the market are mainly developed and designed for consumers, and there are no suitable electronic devices for insurance salespersons to use. However, especially the more complex property insurance business, the shortcomings can be felt more urgently. In view of this, there is an urgent need in the art for an improved electronic device for insurance in order to improve the deficiencies of the prior art.
新型內容旨在提供本揭示內容的簡化摘要,以使閱讀者對本揭示內容具備基本的理解。此新型內容並非本揭示內容的完整概述,且其用意並非在指出本新型實施例的重要/關鍵元件或界定本新型的範圍。 The new content aims to provide a simplified summary of the content of the disclosure so that readers have a basic understanding of the content of the disclosure. This new content is not a complete overview of the present disclosure, and its intention is not to point out the important/key elements of the embodiments of the present invention or to define the scope of the present invention.
本新型之一態樣係有關於一種用於投保的電子裝置,以讓使用者透過用於投保的電子裝置進行投保。 One aspect of the present invention relates to an electronic device for insuring, so that users can apply for insurance through the electronic device for insuring.
依據本新型一實施例,用於投保的電子裝置具有顯示器、輸入裝置以及處理器。處理器電性連接於顯示器及輸入裝置,其中處理器用以執行下列 步驟。處理器產生操作介面於顯示器,其中,操作介面包括新案建立選項及管理功能選項。響應於輸入裝置接收新案建立選項的觸發指示,處理器產生新案建立介面,其中新案建立介面具有指向標籤以及子介面區塊,每一指向標籤依序對應新案建立步驟的其中一個,且新案建立步驟的每一個分別對應多個新建欄位組的其中一個。處理器選取指向標籤的第一指向標籤,且於子介面區塊產生新建欄位組中的第一新建欄位組。處理器判斷第一新建欄位組已完成輸入資訊,選取指向標籤的第二指向標籤,且於子介面區塊產生新建欄位組中的第二新建欄位組。 響應於判斷新建欄位組中的每一個完成輸入資訊,處理器依據新建欄位組對應的資訊進行保費試算及投保。 According to an embodiment of the present invention, the electronic device for insuring has a display, an input device and a processor. The processor is electrically connected to the display and the input device, and the processor is used to execute the following step. The processor generates an operating interface on the display, where the operating interface includes new project creation options and management function options. In response to the input device receiving the trigger instruction of the new case creation option, the processor generates a new case creation interface, wherein the new case creation interface has a pointing label and a sub-interface block, and each pointing label corresponds to one of the new case creation steps in sequence, and the new case creation step Each of corresponds to one of multiple newly created field groups. The processor selects the first pointing label of the pointing label, and generates the first new field group in the new field group in the sub-interface block. The processor judges that the first newly created field group has completed inputting information, selects the second pointing label of the pointing label, and generates the second newly created field group in the newly created field group in the sub-interface block. In response to determining that each of the newly created field groups has completed the input of information, the processor performs a trial calculation of premiums and insures based on the information corresponding to the newly created field groups.
依據本新型另一實施例,處理器還用以於第一指向標籤被選取時,使第一指向標籤的顏色、形狀、大小、字型及標線的至少一個不同於指向標籤中的其他指向標籤。處理器還用以於第二指向標籤被選取時,使第一指向標籤的顏色、圖形及標線相同於指向標籤中的其他指向標籤,並使第二指向標籤的顏色、圖形及標線的至少一個不同於指向標籤中的其他指向標籤。 According to another embodiment of the present invention, the processor is further used for making at least one of the color, shape, size, font, and marking of the first pointing label different from other pointing labels in the pointing label when the first pointing label is selected. Label. The processor is also used to make the color, graphics, and markings of the first pointing label the same as the other pointing labels in the pointing label when the second pointing label is selected, and make the color, graphics, and markings of the second pointing label the same as those of other pointing labels. At least one is different from the other pointing labels in the pointing label.
依據本新型另一實施例,用於投保的電子裝置還具有通訊裝置,其中,通訊裝置電性連接至處理器,並連接至遠端伺服器,以擷取遠端伺服器的外部資料。此外,處理器執行下列步驟中的至少一個:辨識外部資料影像中的文字資訊,並將外部資料填寫至對應的新建欄位組中,以及依據新建欄位組對應的資訊以及外部資料進行保費試算。 According to another embodiment of the present invention, the electronic device for insuring further has a communication device, wherein the communication device is electrically connected to the processor and connected to a remote server to retrieve external data from the remote server. In addition, the processor performs at least one of the following steps: recognizing the text information in the external data image, filling the external data into the corresponding newly created field group, and performing a premium trial calculation based on the information corresponding to the newly created field group and the external data .
依據本新型另一實施例,處理器依據新建欄位組對應的資訊進行保費試算及投保時,依據新建欄位組對應的資訊建立要保書,並對要保書進行電子檢核與電子套印。 According to another embodiment of the present invention, when the processor performs premium trial calculation and insuring based on the information corresponding to the newly created field group, it creates the insurance document based on the information corresponding to the newly created field group, and performs electronic verification and electronic overprinting of the insurance document. .
依據本新型另一實施例,管理功能選項對應於案件查詢選項、車險續保選項、理賠申報選項及理賠查詢選項,且案件查詢選項、車險續保選項以 及理賠服務選項顯示於操作介面。或者,處理器還用以響應於輸入裝置接收管理功能選項的觸發指示,產生管理功能介面。並且,管理功能介面包括案件查詢選項、車險續保選項以及理賠服務選項。 According to another embodiment of the present invention, the management function options correspond to case query options, auto insurance renewal options, claims declaration options, and claims query options, and the case query options and auto insurance renewal options are And claims service options are displayed on the operation interface. Alternatively, the processor is further configured to generate a management function interface in response to the input device receiving a trigger indication of the management function option. In addition, the management function interface includes case query options, auto insurance renewal options, and claims service options.
依據本新型另一實施例,響應於輸入裝置接收案件查詢選項的觸發指示,處理器產生案件查詢介面。響應於輸入裝置接收查詢條件,處理器於案件查詢介面中顯示與查詢資訊相關聯的查詢結果列表。 According to another embodiment of the present invention, in response to the input device receiving the trigger instruction of the case query option, the processor generates the case query interface. In response to the input device receiving the query condition, the processor displays a query result list associated with the query information in the case query interface.
依據本新型另一實施例,響應於輸入裝置接收車險續保選項的觸發指示,處理器產生車險續保介面。處理器產生指定區間內的到期案件清單,並顯示於車險續保介面中。到期案件清單具有多筆到期案件,且每一到期案件對應至複製保單選項。處理器在輸入裝置接收對應到期案件其中之一的複製保單選項的觸發指示時,依據到期案件其中之一的資訊產生新建要保書。 According to another embodiment of the present invention, in response to the input device receiving the trigger instruction of the auto insurance renewal option, the processor generates the auto insurance renewal interface. The processor generates a list of due cases in the specified interval and displays it in the auto insurance renewal interface. The due case list has multiple due cases, and each due case corresponds to the copy policy option. When the processor receives the trigger instruction of the copy policy option corresponding to one of the expired cases, the processor generates a new insurance requirement form according to the information of one of the expired cases.
依據本新型另一實施例,用於投保的電子裝置包括通訊裝置,通訊連接於處理器。響應於輸入裝置接收理賠申報選項的觸發指示,處理器產生理賠申報介面。響應於輸入裝置接收理賠申請資訊,處理器判斷理賠目標的承保情形及指定檢核條件。在理賠目標的該承保情形為承保中,並滿足指定檢核條件時,處理器通過通訊裝置傳送理賠申請資訊至遠端伺服器,以使遠端伺服器接收理賠申請資訊時,發送回報簡訊至指定手機號碼,並於指定時間發送理賠申請資訊至指定電子郵件。 According to another embodiment of the present invention, the electronic device for insuring includes a communication device, which is communicatively connected to the processor. In response to the input device receiving the triggering instruction of the claim settlement option, the processor generates a claim settlement interface. Responsive to the input device receiving the claim application information, the processor determines the underwriting situation of the claim target and specifies the inspection conditions. When the underwriting situation of the claim target is underwriting and the specified inspection conditions are met, the processor sends the claim application information to the remote server through the communication device, so that when the remote server receives the claim application information, it sends a report message to Specify the mobile phone number and send the claim application information to the specified email at the specified time.
依據本新型另一實施例,用於投保的電子裝置包括通訊裝置,通訊連接於處理器。響應於輸入裝置接收理賠查詢選項的觸發指示,處理器產生理賠查詢介面。響應於該輸入裝置接收理賠查詢資訊,處理器於理賠查詢介面中顯示與理賠查詢資訊相關聯的理賠查詢列表。理賠查詢列表包括至少一筆理賠申請資訊,且理賠申請資訊對應至進度查詢選項。響應於輸入裝置接收進度查詢選項的觸發指示,處理器於理賠查詢介面中顯示對應理賠申請資訊的理賠進度。 According to another embodiment of the present invention, the electronic device for insuring includes a communication device, which is communicatively connected to the processor. In response to the input device receiving the triggering instruction of the claim settlement query option, the processor generates a claim settlement query interface. In response to the input device receiving the claim query information, the processor displays a claim query list associated with the claim query information in the claims query interface. The claim query list includes at least one claim application information, and the claim application information corresponds to the progress query option. In response to the input device receiving the trigger instruction of the progress query option, the processor displays the claim settlement progress corresponding to the claim settlement application information in the claim settlement query interface.
在參閱下文實施方式後,本新型所屬技術領域中具有通常知識者當可輕易瞭解本新型之基本精神及其他新型目的,以及本新型所採用之技術手段與實施態樣。 After referring to the following embodiments, those with ordinary knowledge in the technical field to which the present invention belongs can easily understand the basic spirit and other new objectives of the present invention, as well as the technical means and implementation aspects of the present invention.
100:用於投保的電子裝置 100: Electronic device used for insuring
110:顯示器 110: display
120:輸入裝置 120: input device
130:處理器 130: processor
200:操作介面 200: Operation interface
212、212a、212b:新案建立選項 212, 212a, 212b: New case creation options
214、214a、214b:管理功能選項 214, 214a, 214b: management function options
300、400、500、600:新案建立介面 300, 400, 500, 600: New project creation interface
310:指向標籤 310: Point to label
320:子介面區塊 320: Sub-interface block
330:第一新建欄位組 330: The first new field group
430:第二新建欄位組 430: The second new field group
530:第三新建欄位組 530: The third new field group
630:第四新建欄位組 630: The fourth new field group
700:案件查詢介面 700: Case inquiry interface
710:查詢欄位 710: Query field
720:查詢結果列表 720: Query result list
800:車險續保介面 800: Auto insurance renewal interface
810:查詢欄位 810: Query field
820:到期案件清單 820: List of Due Cases
900:理賠申報介面 900: Claim declaration interface
910:商品類別選項 910: Product category options
920:欄位 920: field
950:理賠查詢介面 950: Claims inquiry interface
960:進度查詢選項 960: Progress query options
為讓本新型的上述與其他目的、特徵、優點與實施例能更明顯易懂,所附圖式之說明如下: 圖1繪示本新型一實施方式所示的用於投保的電子裝置的示意圖。 In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the description of the attached drawings is as follows: FIG. 1 is a schematic diagram of an electronic device for insuring according to an embodiment of the present invention.
圖2繪示本新型一實施方式所示的用於投保的電子裝置的操作介面的示意圖。 FIG. 2 is a schematic diagram of an operation interface of an electronic device for insuring according to an embodiment of the present invention.
圖3繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第一示意圖。 FIG. 3 is a first schematic diagram of a new case creation interface for an electronic device for insuring according to an embodiment of the present invention.
圖4繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第二示意圖。 4 shows a second schematic diagram of a new case creation interface for an electronic device for insuring according to an embodiment of the present invention.
圖5繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第三示意圖。 FIG. 5 shows a third schematic diagram of a new case creation interface for an electronic device for insuring according to an embodiment of the present invention.
圖6繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第四示意圖。 FIG. 6 is a fourth schematic diagram of a new case creation interface of an electronic device for insuring according to an embodiment of the present invention.
圖7繪示本新型一實施方式所示的用於投保的電子裝置的案件查詢介面的示意圖。 FIG. 7 is a schematic diagram of a case inquiry interface of an electronic device for insuring according to an embodiment of the present invention.
圖8繪示本新型一實施方式所示的用於投保的電子裝置的車險續保介面的示意圖。 FIG. 8 is a schematic diagram of an auto insurance renewal interface of an electronic device for insuring according to an embodiment of the present invention.
圖9繪示本新型一實施方式所示的用於投保的電子裝置的理賠申報介面的示意圖。 FIG. 9 is a schematic diagram of a claim settlement interface of an electronic device for insuring according to an embodiment of the present invention.
圖10繪示本新型一實施方式所示的用於投保的電子裝置的理賠查詢介面的示意圖。 FIG. 10 is a schematic diagram of a claim settlement query interface of an electronic device for insuring according to an embodiment of the present invention.
根據慣常的作業方式,圖中各種特徵與元件並未依比例繪製,其繪製方式是為了以最佳的方式呈現與本新型相關的具體特徵與元件。此外,在不同圖式間,以相同或相似的元件符號來指稱相似的元件/部件。 According to the usual operation method, the various features and components in the figure are not drawn to scale, and the drawing method is to present the specific features and components related to the present invention in the best way. In addition, in different drawings, the same or similar element symbols are used to refer to similar elements/components.
為了使本揭示內容的敘述更加詳盡與完備,下文針對了本新型的實施態樣與具體實施例提出了說明性的描述;但這並非實施或運用本新型具體實施例的唯一形式。實施方式中涵蓋了多個具體實施例的特徵以及用以建構與操作這些具體實施例的方法步驟與其順序。然而,亦可利用其他具體實施例來達成相同或均等的功能與步驟順序。 In order to make the description of the present disclosure more detailed and complete, the following provides an illustrative description for the implementation aspects and specific embodiments of the present invention; this is not the only way to implement or use the specific embodiments of the present invention. The implementation manners cover the characteristics of a number of specific embodiments and the method steps and sequences used to construct and operate these specific embodiments. However, other specific embodiments can also be used to achieve the same or equal functions and sequence of steps.
除非本說明書另有定義,此處所用的科學與技術詞彙之含義與本新型所屬技術領域中具有通常知識者所理解與慣用的意義相同。此外,在不和上下文衝突的情形下,本說明書所用的單數名詞涵蓋該名詞的複數型;而所用的複數名詞時亦涵蓋該名詞的單數型。 Unless otherwise defined in this specification, the scientific and technical terms used herein have the same meanings as understood and used by those with ordinary knowledge in the technical field to which the present invention belongs. In addition, without conflict with the context, the singular nouns used in this specification cover the plural nouns; and the plural nouns used also cover the singular nouns.
「用於投保的電子裝置」可以是桌上型電腦、伺服器電腦、手持式或膝上型裝置、個人數位助理、多處理器系統、基於微處理器之系統、機上盒、可程式化消費性電子產品、行動電話(特別是智慧型手機)、網路電腦、迷你電腦、主機電腦、包含任何上述系統或裝置之分散式運算環境及與其相似者。在一 較佳的實施方式中,適用於本新型內容之「行動用於投保的電子裝置」可以是平板電腦。 "Electronic devices for insuring" can be desktop computers, server computers, handheld or laptop devices, personal digital assistants, multi-processor systems, microprocessor-based systems, set-top boxes, programmable Consumer electronics, mobile phones (especially smart phones), network computers, mini computers, host computers, distributed computing environments containing any of the above systems or devices, and similar ones. In a In a preferred embodiment, the "mobile electronic device for insuring" applicable to the content of the present invention may be a tablet computer.
在此所述之「使用者」是指適用於本新型行動投保及管理方法和/或本裝置的個體,例如,消費者或保險業者等。在較佳的實施方式中,所述使用者是指保險業務員。 The "user" mentioned here refers to an individual applicable to the new mobile insurance and management method and/or the device, for example, a consumer or an insurance company. In a preferred embodiment, the user refers to an insurance salesperson.
為了提供更好的服務,以及標準化作業程序,本新型提供一種用於投保的電子裝置,提供了直觀的操作流程,讓使用者能夠快速完成投保業務及掌控各業務狀態。 In order to provide better services and standardized operating procedures, this new model provides an electronic device for insuring, providing an intuitive operation process, allowing users to quickly complete the insuring business and control the status of each business.
在實施例所述之「指向標籤」,是以標籤的形狀、顏色、標線、字型、尺寸、標線中的至少一個的變化,或者以明確的文字表達標籤的先後順序。藉此,以讓觀看者能透過視覺直接辨識標籤的先後順序。 The "pointing label" described in the embodiment refers to a change in at least one of the shape, color, marking, font, size, and marking of the label, or expressing the order of the label in clear words. In this way, the viewer can visually recognize the sequence of the tags directly.
在實施例所述各種選項之名稱僅為示意,在不違背本新型的精神下,任何的修改皆不脫本新型之範疇。 The names of the various options described in the embodiments are merely illustrative, and any modification does not depart from the scope of the present invention without departing from the spirit of the present invention.
圖1繪示本新型一實施方式所示的用於投保的電子裝置的示意圖。請參照圖1,用於投保的電子裝置100具有顯示器110、輸入裝置120以及處理器130,且顯示器110及輸入裝置120電性連接於處理器130。以平板電腦為例,顯示器110與輸入裝置120是以具備顯示模組以及觸控模組的觸控式螢幕進行實作,處理器130則為適用於行動裝置的處理器。又以桌上型電腦為例,顯示器110可以為外接的液晶螢幕,輸入裝置120為滑鼠及鍵盤,處理器130為中央處理器。本新型並不以上述例子為限。在一非限制的實施方式中,本新型的用於投保的電子裝置更設有通訊裝置(圖中未繪示),例如,適用於行動網路、Wi-Fi、藍牙和紅外線的通訊晶片,或者適用於乙太網路的通訊晶片等。
FIG. 1 is a schematic diagram of an electronic device for insuring according to an embodiment of the present invention. Please refer to FIG. 1, the
圖2繪示本新型一實施方式所示的用於投保的電子裝置的操作介面的示意圖。請同時參照圖1及圖2。在此實施例中,處理器130產生操作介面200
於顯示器110中,此操作介面200包括新案建立選項212及管理功能選項214。具體而言,新案建立選項212可以階層式標籤所實作,在操作介面200中僅顯示新案建立選項212a,並於點選第一層新案建立選項212a後,展開第二層的新案建立選項212b,即新建汽機車車險、新建旅綜險、新建商業險、新建健傷險以及新建雇主類保險。又或者是,在另一實施例中,第一層的新案建立選項212a被點選後,操作介面會被導引至顯示第二層新案建立選項212b的子畫面。又或者是,新案建立選項212不具備階層式標籤,僅顯示新案建立選項212b。
FIG. 2 is a schematic diagram of an operation interface of an electronic device for insuring according to an embodiment of the present invention. Please refer to Figure 1 and Figure 2 at the same time. In this embodiment, the
相似地,管理功能選項214可以階層式標籤所實作,在操作介面200中僅顯示管理功能選項214a,並以展開階層或子畫面(下稱管理功能介面)的方式顯示第二層的管理功能選項214b,即案件查詢選項、車險續保選項、理賠申請選項以及理賠查詢選項。又或者是,管理功能選項214也可以不具備階層式標籤,僅顯示管理功能選項214b。在不同的實施例中,新案建立選項212及管理功能選項214能以上述地不同方式呈現,本新型不限於此。
Similarly, the management function option 214 can be implemented by a hierarchical label. Only the
圖3繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第一示意圖。請同時參照圖1至圖3,當輸入裝置120接收新案建立選項212的觸發指示,響應於此,處理器130產生新案建立介面300。新案建立介面300具有指向標籤310以及子介面區塊320。指向標籤會透過粗線外框的外觀以讓使用者明確地得知步驟順序。在其他實施例中,指向標籤也可以透過不同的形狀、顏色、標線、字型、大小等方式表現先後順序,此新型不限於此。須說明的是,在此實施例中,指向標籤310的每一個會依序對應至新案建立步驟的其中一個。具體而言,此實施例的新案建立步驟為:需求分析、選擇投保內容、輸入投保資訊以及備齊應備文件。而指向標籤310具有對應上述步驟的「需求分析」、「投保內容」、「投保資訊」以及「應備文件」。在不同實施例中,新案建立步驟可
以不同於此實施例的新案建立步驟,而指向標籤310會依據新案建立步驟的數目及內容進行調整,本新型不限於此。
FIG. 3 is a first schematic diagram of a new case creation interface for an electronic device for insuring according to an embodiment of the present invention. Referring to FIGS. 1 to 3 at the same time, when the
除此之外,新案建立步驟的每一個會對應到一新建欄位組。舉例來說,商業險的新案建立步驟相同於上述四個步驟。根據實務所需,在步驟一「需求分析」中,對應的新建欄位組為「公司行號」、「行業別」、「縣市別」、「營業坪數」、「總樓層」、「員工人數」、「是否為鋼筋水泥外牆」、「是否為鋼筋水泥造平屋頂」以及「保險期間」。在步驟二「選擇投保內容」中,對應的新建欄位組為「財產保障-金額1」、「財產保障-金額2」、「員工保障」、「顧客保障-方案1」以及「顧客保障-方案2」。步驟三「輸入投保資訊」中,對應的新建欄位組為「地址」、「建築物所有權資訊」、「被保險人及其聯絡資訊」以及「要保人及其聯絡資訊」。步驟四「備齊應備文件」中,對應的新建欄位組為「要保人及被保人需求及適合度評估暨招攬人員報告書」及「風險屬性評估書」。 In addition, each step of creating a new case corresponds to a new field group. For example, the steps for establishing a new case for commercial insurance are the same as the above four steps. According to practical needs, in step one "demand analysis", the corresponding new field group is "company line number", "industry type", "county city type", "business floor number", "total floor", " Number of employees", "Whether it is a reinforced concrete exterior wall", "Whether it is a reinforced concrete flat roof", and "Insurance period". In step 2 "Select the insurance content", the corresponding new field groups are "Property Protection-Amount 1", "Property Protection-Amount 2", "Employee Protection", "Customer Protection-Plan 1" and "Customer Protection- Scenario 2". In step 3 "Enter Insurance Information", the corresponding new field groups are "Address", "Building Ownership Information", "Insured and its Contact Information", and "Insurant and its Contact Information". In step 4 "Prepare all necessary documents", the corresponding newly created field groups are "Assessment of Demands and Suitability of Claimants and Insureds and Report on Recruitment of Personnel" and "Risk Attribute Assessment".
須說明的是,在本實施例中,處理器130產生新案建立介面300時,預設選取指向標籤310的第一個(即,需求分析。下稱第一指向標籤),並在子介面區塊320中顯示對應的第一新建欄位組330。此時,處理器130控制第一指向標籤的顏色、圖形及標線的至少一個不同於指向標籤310中的其他指向標籤。藉此,以讓使用者可以明確地得知目前進行的步驟,例如在此實施例中,第一指向標籤外觀標線會以較粗的線條進行表示。
It should be noted that, in this embodiment, when the
此外處理器130也可以通過通訊裝置連接至遠端伺服器,並擷取遠端伺服器的外部資料,並透過辨識外部資料的影像中的文字資訊,將外部資料填寫至對應的新建欄位組中。舉例來說,處理器130可以連接至商業登記公示伺服器,透過爬蟲獲取公示伺服器的頁面影像,進而使用光學文字辨識(Optical Character Recognition,OCR)技術辨識頁面影像,以擷取對應公司統一編號的商
業登記公示資料,以自動將代表人資訊、公司登記地址、資本額等資訊填入新建欄位組中,藉此減少使用者操作上瑣碎的細節。又或者是,如圖3所示,通訊裝置可以連線到監理所的伺服器,透過爬蟲獲取監理所的伺服器的頁面影像,進而使用光學文字辨識(Optical Character Recognition,OCR)技術辨識頁面影像,以獲取牌照資料。
In addition, the
圖4繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第二示意圖。請同時參照圖1-4,處理器130在判斷第一新建欄位組330已完成輸入資訊,選取指向標籤310的第二個(即:投保內容。下稱第二指向標籤),且在子介面區塊320產生新建欄位組中的第二新建欄位組430。具體來說,處理器130會偵測使用者是否按下「確認/下一步」的選項來判斷第一新建欄位組330是否已完成輸入資訊。又或者是,處理器130會依據第一新建欄位組330的欄位是否填寫完整且合規,進而判斷第一新建欄位組330是否已完成輸入資訊。本新型不以上述例子為限。
4 shows a second schematic diagram of a new case creation interface for an electronic device for insuring according to an embodiment of the present invention. Referring to FIGS. 1-4 at the same time, the
此外,處理器130在選取第二指向標籤的同時,也會同時取消第一指向標籤的選取。因此,處理器130會使第一指向標籤的顏色、圖形及標線相同於指向標籤中的其他指向標籤,並使第二指向標籤的顏色、圖形及標線的至少一個不同於指向標籤中的其他指向標籤。
In addition, when the
圖5繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第三示意圖。圖6繪示本新型一實施方式所示的用於投保的電子裝置的新案建立介面的第四示意圖。請同時參照圖1至圖6,在使用者完成第二新建欄位組430的輸入,處理器130會自動選取指向標籤310的第三個(即:投保資訊。下稱第三指向標籤),且在子介面區塊320產生新建欄位組中的第三新建欄位組530。在使用者完成第三指向標籤的輸入,處理器130會自動選取自動選取指向標籤310的第四個(即:應備文件。下稱第四指向標籤),且在子介面區塊320產生
新建欄位組中的第四新建欄位組630。在上述的內容中,處理器130運作的細節可由圖4的說明中類推,於此不再贅述。
FIG. 5 shows a third schematic diagram of a new case creation interface for an electronic device for insuring according to an embodiment of the present invention. FIG. 6 is a fourth schematic diagram of a new case creation interface of an electronic device for insuring according to an embodiment of the present invention. Please refer to FIGS. 1 to 6 at the same time. After the user completes the input of the second
值得一提的是,在本新型的一實施例中,處理器130會透過通訊裝置連線到監理所的伺服器,並根據車牌號碼搜尋監理站的影像,找到對應的車籍資料並自動填入,藉此減少使用者操作上瑣碎的細節。
It is worth mentioning that, in an embodiment of the present invention, the
在使用者對每一個新建欄位組輸入完畢後,即可針對使用者輸入的資料進行保費試算及投保。詳細來說,處理器130會判斷新建欄位組中的每一個是否已完成輸入資訊,例如,處理器130可以在新案建立介面中產生輸入完成的選項。當輸入完成的選項被觸發時,處理器130檢查所有必填欄位是否已填上資料以及填上的資料是否合乎每個欄位設計的規則。若所有必填欄位皆已填上合乎規則的資料,處理器130即判斷新建欄位組中的每一個皆已完成輸入資訊。
After the user has entered each new field group, the premium trial calculation and insurance can be performed on the data entered by the user. In detail, the
進一步地,處理器130依據新建欄位組對應的資訊進行保費試算及投保。具體而言,在確認輸入的資料都符合欄位設計規則後,處理器130會依據新建欄位組對應的資訊建立要保書,並對要保書進行電子檢核與電子套印。此外,處理器130可以依據預先設定好的投保規則以及新建欄位組中對應的資訊進行試算,以判斷被保險對象是否符合投保規則,並試算保費。在另一實施例中,處理器130會連接至遠端伺服器,擷取遠端伺服器的外部資料,以依據新建欄位組對應的資訊以及外部資料進行保費試算。舉例來說,遠端伺服器可以是全國保險統計伺服器,處理器130可以擷取全國保險統計資訊,藉此和被保險對象的資料相比,以估算適用於被保險對象的保費。又或者是,遠端伺服器可以是保險公司內部伺服器,處理器130可以擷取保險公司的保險規則與保費試算方式,藉此以估算被保險對象的保費。
Further, the
除了新案件的進件的功能外,本新型同時提供了管理介面,以利使用者進行案件管理。圖7繪示本新型一實施方式所示的用於投保的電子裝置的
案件查詢介面的示意圖。請同時參照圖1、圖2以及圖7,具體而言,輸入裝置120接收管理功能選項的觸發指示,響應於此,處理器130產生案件查詢介面700。查詢介面700中具有多個查詢欄位710,以讓使用者輸入查詢條件(例如:保單狀態、商品等)。並且,在輸入裝置120接收到查詢條件時,處理器130會在案件查詢介面中700顯示與該些查詢資訊相關聯的查詢結果列表720。在本新型的一實施例中,若未接收到任何條件,處理器130可以預設顯示與使用者相關聯的所有案件,例如,屬於此營業員負責的所有保單。在本新型的另一實施例,查詢欄位710和查詢結果列表720可以在不同的子頁或頁籤中顯示,本新型不限於此。
In addition to the function of importing new cases, this model also provides a management interface to facilitate user case management. FIG. 7 illustrates the electronic device for insuring according to an embodiment of the present invention
Schematic diagram of the case inquiry interface. Please refer to FIG. 1, FIG. 2 and FIG. 7 at the same time. Specifically, the
圖8繪示本新型一實施方式所示的用於投保的電子裝置的車險續保介面的示意圖。請同時參照圖1、圖2及圖8,輸入裝置120接收車險續保選項的觸發指示,響應於此,處理器130產生車險續保介面800。具體而言,處理器130會產生指定區間內的到期案件清單,並顯示於車險續保介面800中。在本實施例中,指定區間例如但不限於,一個月內、三個月內或半年內。到期案件清單820包括多筆到期案件(即,保單的到期日位於指定區間內的案件,包括即將到期的案件及過期的案件),每一筆到期案件對應到一個複製保單選項,當輸入裝置120接收由使用者發出對應到期案件其中之一的複製保單選項的觸發指示時,處理器130會依據到期案件其中之一的資訊產生新建要保書。舉例來說,當使用者點選第一到期案件對應的複製保單選項,此時,處理器130會複製第一到期案件中的車型、車牌、年份、車主資訊、保單內容等資訊,並依據上述資訊產生新建要保書。在不同實施例中,處理器130複製的資訊會依據不同險種而有所調整,本新型不限於此。在本新型的其他實施例中,車險續保介面也具有查詢欄位810,以讓使用者可以透過搜尋條件的設置,找尋特定情形中的到期案件。
FIG. 8 is a schematic diagram of an auto insurance renewal interface of an electronic device for insuring according to an embodiment of the present invention. Referring to FIGS. 1, 2 and 8 at the same time, the
圖9繪示本新型一實施方式所示的用於投保的電子裝置的理賠申報介面的示意圖。請同時參照圖1、圖2及圖9,輸入裝置120接收理賠申報選項的
觸發指示,響應於此,處理器130產生理賠申報介面900。理賠申報介面900具有多個欄位,以讓使用者輸入理賠申請資訊。理賠申請資訊會依據不同險種而有所調整,舉例來說,以汽機車險為例,理賠申請資訊例如為車牌號碼、出險日期、被保人姓名及聯絡方式等。商業險例如為,被保統一編號、被保人公司名稱、出險日期、聯絡人姓名及聯絡人電話等。健康傷害險或旅行綜合險例如為,被保人身分證字號、出險日期、被保人姓名及被保人聯絡電話等。
FIG. 9 is a schematic diagram of a claim settlement interface of an electronic device for insuring according to an embodiment of the present invention. Please refer to Figure 1, Figure 2 and Figure 9 at the same time, the
在實際的一操作例中,處理器130會產生對應商品類別選項910,例如商業險、汽機車險、健康傷害險、旅行綜合險以及雇主類保險。接著,處理器130會依據使用者選擇的商品類別提供對應的欄位920,以讓使用者透過輸入裝置120輸入對應的理賠申請資訊。
In an actual operation example, the
在輸入裝置120接收到理賠申請資訊時,響應於此,處理器130會判斷理賠目標的承保情形及指定檢核條件。具體而言,處理器130會依據理賠申請資訊,判斷理賠目標是否存在出險事件的保單。例如,使用者申請「雇主類保險」,處理器130會透過被保統一編號確認此公司是否具有雇主類保險。又或者,使用者申請「汽機車險」,處理器130會透過車牌編號及被保人姓名來確認是否存在對應的車險保單。檢核條件例如,統一編號需具備8位數字、身份證編號需具備1個英文字母及9個數字、被保統一編號與公司名稱是否是對應的、聯絡手機為10碼、出險日期與保單的承保時間相對應、以當日為基準判斷出險日期是在合理的申請理賠區間內等,以確認輸入的資料是否都合法。
When the
處理器130在理賠目標的承保情形為承保中,並滿足指定檢核條件時,通過通訊裝置傳送理賠申請資訊至遠端伺服器,以使遠端伺服器接收理賠申請資訊時,發送回報簡訊至指定手機號碼,並於指定時間發送理賠申請資訊至
指定電子郵件。具體而言,處理器130在接收到理賠申請資訊時,會將理賠申請資訊上傳至保險公司的管理伺服器,以將其建立在保險公司中。同時,處理器130還會把申請理賠的資訊傳送到指定的手機號碼(例如,業務員的手機號碼、理賠申請人的手機號碼或被保人的手機號碼),以利客戶或業務員確認理賠資料已送出。除此之外,處理器130也會通報申請理賠的保單對應的通訊處,例如,以每天固定時間以電子郵件的方式發送蒐集到的理賠申請資訊至各通訊處,藉此以快速且完整的通報負責理賠的單位,加速審核理賠的流程。
When the underwriting situation of the claim target is underwriting and the specified inspection conditions are met, the
圖10繪示本新型一實施方式所示的用於投保的電子裝置的理賠查詢介面的示意圖。請同時參照圖1、圖2及圖10,輸入裝置120接收理賠查詢選項的觸發指示,響應於此,處理器130產生理賠查詢介面950。具體而言,理賠查詢介面950具有多個欄位,以讓使用者透過輸入裝置120於欄位中輸入理賠查詢資訊。具體而言,理賠查詢資訊例如為,被保人身分證字號、被保統一編號、車牌號碼等,理賠查詢資訊可依實務上管理之需求提供不同的查詢欄位,本新型不限於此。
FIG. 10 is a schematic diagram of a claim settlement query interface of an electronic device for insuring according to an embodiment of the present invention. Please refer to FIG. 1, FIG. 2 and FIG. 10 at the same time. The
在透過輸入裝置120透過輸入裝置120接收理賠查詢資訊時,響應於此,處理器於理賠查詢介面950中顯示與理賠查詢資訊相關聯的理賠查詢列表。理賠查詢列表包括多筆理賠申請資訊,例如,若以被保人身份證字號作為理賠查詢資訊,理賠查詢列表會包括對應被保人身分證字號的理賠申請資訊。須說明的是,在理賠查詢介面950中,每一筆理賠申請資訊會對應顯示進度查詢選項960。在輸入裝置120接收進度查詢選項960的觸發指示時,處理器130於進度查詢選項960中顯示對應理賠申請資訊的理賠進度。
When receiving the claim query information through the
在本實施例中,以車險理賠為例,其理賠處理流程例如為:理賠申請、理賠確認、肇責研判損害評估、和解、付款結案。處理器130會產生圖形化的介面對應上述理賠處理流程,以讓使用者可以透過視覺化的方式快速掌握進度。除此之外,處理器130還會在每一個流程中顯示標註,已提示必要的處理步驟或其他額外處理的事項,例如,理賠申請的對應的標註包括:送出申請、連繫保戶。理賠確認的標註包括:派件。肇責研判損害評估的標註包括:開始申請、評估我方、評估對方。和解的標註包括:雙方和解中。付款結案的標註包括:理賠人員處理。每一個標註皆以視覺化的方式呈現其是否已完成,舉例來說,若已完成的標註會附加一個勾選符號「V」於標注中,或者是以顏色來分辨標註是否完成,然本新型不以此為限。
In this embodiment, taking auto insurance claims as an example, the claims processing procedures are, for example, claim application, claim confirmation, damage assessment, settlement, and settlement of payment. The
此外,在案件查詢介面、車險續保介面、理賠申報介面以及理賠進度查詢的介面中,還具有相對應所有管理功能選項的頁籤,以利使用者在不同頁籤中進行切換。 In addition, in the case inquiry interface, auto insurance renewal interface, claim declaration interface, and claim progress inquiry interface, there are also tabs corresponding to all management function options, so that users can switch between different tabs.
雖然上文實施方式中揭露了本新型的具體實施例,然其並非用以限定本新型,本新型所屬技術領域中具有通常知識者,在不悖離本新型之原理與精神的情形下,當可對其進行各種更動與修飾,因此本新型之保護範圍當以附隨申請專利範圍所界定者為準。 Although the specific embodiments of the present invention are disclosed in the above embodiments, they are not intended to limit the present invention. Those with ordinary knowledge in the technical field to which the present invention belongs, without departing from the principles and spirit of the present invention, should Various changes and modifications can be made to it, so the scope of protection of this new model shall be subject to the scope of the attached patent application.
100:用於投保的電子裝置 100: Electronic device used for insuring
110:顯示器 110: display
120:輸入裝置 120: input device
130:處理器 130: processor
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