TWM620656U - Anti-epidemic safety device - Google Patents

Abstract

An anti-epidemic insurance device includes a merchant terminal with a registered identification tag, a merchant's epidemic prevention insurance platform with information linked to the merchant via the Internet, and an Internet access by scanning or sensing the registered identification tag It is composed of mobile terminals that log in to the merchant’s anti-epidemic insurance platform. In this way, this creation uses the confirmation of the real-time location as the basis for the initiation of insurance liability or insurance rights, and the user agrees to use the base station positioning technology as insurance for immediate underwriting or claims, so that the government does not need to penalize, only need to have the insurance of this device The investment (acceptance) insurance mechanism can encourage consumers to automatically establish a real-link database, which is especially necessary in the context of the fluctuating epidemic.

Description

Anti-epidemic safety device

This creation is about a kind of anti-epidemic insurance device, especially it involves the use of confirming real-time location as the basis for the initiation of insurance liability or insurance rights, especially the user who agrees to use base station positioning technology as insurance immediate underwriting or claim settlement.

According to the current situation, the spread of the new crown pneumonia epidemic in various countries has caused great global economic shocks. In the face of the sudden epidemic, many people must be quarantined or quarantined at home due to suspected infection or diagnosis, which affects work and causes wages to be interrupted or reduced. On the other hand, if an employee is diagnosed or suspected of being infected, he must pay part of his salary in accordance with the regulations, or be forced to suspend business due to quarantine/isolation of too many employees, which will affect revenue. In this regard, in the past, there was no relevant insurance product that could protect the people from the salary interruption caused by the diagnosis, and there was no insurance policy that could pass on the loss of business interruption caused by legal infectious diseases.

However, as the life insurance industry has announced the relaxation of the exclusion regulations for statutory communicable diseases in the old policies, some companies have spotted the epidemic prevention needs of individuals and companies and have successively introduced epidemic prevention policies. In the face of the ever-changing epidemic, at present, insurance companies only need to provide a confirmed newsletter or the insurance company actively contacts the health unit, and after confirmation, they can enter the epidemic prevention policy claims process.

Therefore, it is necessary to develop a new insurance instant underwriting or claim settlement device that can confirm the instant location as the basis for the initiation of insurance liability or insurance rights.

The main purpose of this creation is to overcome the above-mentioned problems encountered by the learning skills and provide a way to use the confirmation of the real-time location as the basis for the initiation of insurance liability or insurance rights, with the consent of the user The use of base station positioning technology for immediate insurance underwriting or claim settlement allows the government to avoid penalties, and only needs to have the insurance investment (acceptance) mechanism of this device to encourage consumers to automatically establish a real-link database, and in the ups and downs of the epidemic It is especially needed in this situation.

In order to achieve the above purpose, this creation is a kind of anti-epidemic insurance device, which includes: a merchant terminal with a registration identification label; a merchant's epidemic prevention insurance platform, which links information to the merchant terminal through the Internet, and the merchant's epidemic prevention The insurance platform is provided with a control module and a login module for signal connection to the control module, a link module, a positioning module and a first communication module. The login module is used to generate the corresponding merchant terminal A login webpage, and through the login webpage to receive the user's login data, the link module is connected with an insurance company server and a third-party database, the positioning module has a signal receiving unit, and the signal receiving unit receives satellites respectively A current position coordinate signal transmitted, and a user position coordinate signal transmitted by a telecommunication operator, the current position coordinate signal is the location of the merchant where the login identification tag is located, the user position coordinate signal is the current location of the user, and the control module After comparing the current location coordinate signal with the user location coordinate signal, the registration data is sent to the third-party database storage through the link module, and a feedback notification is sent through the first communication module; and an action The terminal, operated by a user, is provided with an application module and a signal linking the application module with an identification module, a second communication module and a display module. The identification module scans or senses the registration Identification tag, so that the mobile terminal uses the second communication module to log in to the merchant's epidemic prevention and insurance platform through the Internet, and presents the login webpage on the display module to provide the user with the login information, and then the second communication The module sends and receives the feedback notification transmitted by the first communication module; wherein the merchant terminal determines the location information and the time information of the event when a confirmed event occurs, through the link module of the merchant’s epidemic prevention and insurance platform The group uploads the location information and the time information to the insurance company’s server, and the insurance company’s server informs the third-party database to extract the user’s login data related to the location information and the time information, and The mobile terminal voluntarily sends a notification message of contacting the confirmed person to inform the relevant user to handle fast claims.

In the foregoing embodiment of this creation, the login identification tag is selected from a QR code (QR code), a radio frequency identification (RFID) tag, a Near Field Communication (NFC) tag, and a blue One or a combination of Beacon.

In the above-mentioned embodiment of this creation, the positioning module uses Global Positioning System (GPS), Google Maps, carrier base station, wireless local area network (wifi), Bluetooth, Beacon or other to cooperate with the login Positioning technology for identifying tags.

In the above-mentioned embodiment of this creation, the login data includes the user name and mobile phone number.

In the foregoing embodiment of this creation, the mobile terminal is a smart phone or a tablet computer.

In the foregoing embodiment of this creation, the merchant's epidemic prevention and insurance platform is a mobile phone application (APP), an Internet interactive platform (Network platform), or an Internet portal (Website).

1: Merchant

11: Login identification label

2: Merchant epidemic prevention and insurance platform

21: Control module

22: Login module

221: Login page

23: Link Module

24: positioning module

241: signal receiving unit

25: The first communication module

3: mobile terminal

31: Application module

32: Identification module

33: The second communication module

34: display module

4: Insurance company server

5: Third-party database

Figure 1 is a block diagram of the structure of this creative anti-epidemic insurance device.

Figure 2 is a schematic diagram of the usage status of this creative anti-epidemic insurance device.

Please refer to "Figure 1 and Figure 2", which are the schematic block diagrams of the structure of the creative anti-epidemic insurance device and the schematic diagram of the use status of this creative anti-epidemic insurance device. As shown in the figure: this creation is an anti-epidemic insurance device, which is composed of a merchant terminal 1, a merchant's epidemic prevention insurance platform 2, and a mobile terminal 3.

The aforementioned merchant terminal 1 is provided with a log-in identification tag 11; wherein, the log-in identification tag 11 is selected from a QR code (QR code), a radio frequency identification (RFID) tag, a near field communication (Near One or a combination of Field Communication (NFC) tags, and Bluetooth beacon (Beacon).

The merchant's epidemic prevention and insurance platform 2 can be a mobile phone application (APP), an Internet interactive platform (Network platform) or an Internet portal (Website), and information is linked to the merchant 1 through the Internet. The merchant’s anti-epidemic insurance platform 2 is provided with a control module 21 and a registration module 22 for signal connection to the control module 21, a connection module 23, a positioning module 24 and a first communication module 25. The registration The module 22 is used to generate a login webpage 221 corresponding to the merchant 1, and receive the user's login data through the login webpage 221. The link module 23 is connected with an insurance company server 4 and a third-party database 5, The positioning module 24 uses the Global Positioning System (GPS), Google Maps, carrier base station, wireless local area network (wifi), Bluetooth, Beacon or other positioning technology that cooperates with the login identification tag 11. It has a signal receiving unit 241. The signal receiving unit 241 receives a current position coordinate signal transmitted by a satellite and a user position coordinate signal transmitted by a telecommunications company. The current position coordinate signal is the merchant where the registered identification tag is located. The location, the user location coordinate signal is the current location of the user, the control module 21 compares the current location coordinate signal with the user location coordinate signal, and transmits the registration data to the third-party database through the link module 23 5 Save, and send a body notification through the first communication module 25.

The mobile terminal 3 can be a smart phone or a tablet computer, which is operated by a user, and is provided with an application module 31 and a signal link to the application module 31, an identification module 32, and a second communication module 33 And a display module 34. The identification module 32 scans or senses the registration identification tag to enable the mobile terminal 3 to log in to the merchant epidemic prevention and insurance platform 2 via the Internet through the second communication module 33, The display module 34 presents the login webpage 221 for the purpose of The user inputs the log-in data, and then the second communication module 33 sends it out, and at the same time receives the feedback notification transmitted by the first communication module 25. If so, a brand-new anti-epidemic safety device is formed by the above-disclosed device.

In a specific embodiment, when a user comes to the merchant 1 for consumption, the merchant 1 will inform that there is a compensation guarantee for the diagnosis of visits to the store, and the user needs to scan the in-store login identification through the mobile terminal 3 (such as a smart phone) The tag 11 (eg, QR code) links to log in to the web page 221, or activates the APP with the mobile terminal 3 NFC induction. The user enters the login information through the login webpage 221, including the user name and mobile phone number, and sends a short message location through the mobile terminal 3 to prove that he has been to the merchant 1 as a basis for future claims settlement. In other words, after receiving the short message (ie login information) sent by the user, the merchant's epidemic prevention insurance platform 2 will immediately send a feedback notification to the user after the user agrees to complete the positioning with the telecommunications base station and compares it with the merchant's location. , Confirm that the user has obtained the due insurance rights protection. The merchant's anti-epidemic insurance platform 2 stores the user's login information in the third-party database 5 to save the time and location of the user's arrival at the merchant 1. In the event of an insurance incident, it can be used as a consumer (user) to the store ( The evidence from the merchant's side) is provided to the insurance company for quick settlement of claims.

In the future, if any employee of the merchant 1 is diagnosed with an infectious disease, when a confirmed event occurs at the merchant 1, a location information and a time information of the event are determined, and the link module 23 of the merchant's epidemic prevention insurance platform 2 The location information and the time information are uploaded to the insurance company's server 4. The merchant's anti-epidemic insurance platform 2 or the insurance company's server 4 informs the third-party database 5 accordingly to retrieve the user's login related to the location information and the time information Data, the mobile terminal 3 of the relevant user actively sends a notification message of contacting the confirmed person to inform the relevant user to handle the quick claim. The insurance company can also use this record as one of the basis for the claim, so that the user does not need to find another Proof of the field.

In this way, this creation has the following innovations:

1. At present, all types of insurance do not use confirmation of the real-time location as the basis for the initiation of insurance liability or insurance rights.

2. At present, more than 1 million base stations have been built in various parts of the country, but there is no precedent for the use of base station positioning technology as insurance immediate underwriting or claim settlement with the user's consent.

3. The government does not need to impose penalties. It only needs to have the insurance investment (acceptance) mechanism proposed in this creation to encourage consumers to automatically build a real-linked database. This is especially necessary in the context of the fluctuating epidemic.

To sum up, this creation is an anti-epidemic insurance device that can effectively improve various shortcomings of conventional use. It uses confirmation of real-time location as the basis for the initiation of insurance liability or insurance rights, and the user agrees to use base station positioning technology as insurance for real-time underwriting or claims Using it, the government does not need to penalize, but only needs to have the insurance investment (acceptance) mechanism of this device to encourage consumers to automatically establish a connected database. This is especially necessary in the context of the fluctuating epidemic, and this makes the creation of Produce that is more advanced, more practical, and more in line with the needs of users, and indeed meets the requirements of a new patent application, and a patent application is filed in accordance with the law.

However, the above are only the preferred embodiments of this creation, and should not be used to limit the scope of implementation of this creation; therefore, all simple equivalent changes and modifications made according to the scope of the patent application for this creation and the content of the new specification , Should still be within the scope of this creation patent.

1: Merchant

11: Login identification label

2: Merchant epidemic prevention and insurance platform

21: Control module

22: Login module

221: Login page

23: Link Module

24: positioning module

241: signal receiving unit

25: The first communication module

3: mobile terminal

31: Application module

32: Identification module

33: The second communication module

34: display module

4: Insurance company server

5: Third-party database

Claims (6)

An anti-epidemic insurance device, which includes: A merchant terminal is provided with a login identification tag; A merchant's epidemic prevention and insurance platform, which links information to the merchant through the Internet. The merchant's epidemic prevention and insurance platform is equipped with a control module and a signal connection to the control module, a login module, a link module, and a location Module and a first communication module, the login module is used to generate a login webpage corresponding to the merchant terminal, and receive the user's login data through the login webpage, the link module is connected with an insurance company server and a second Three-party database connection. The positioning module has a signal receiving unit that receives a current position coordinate signal transmitted by the satellite and a user position coordinate signal transmitted by a telecommunications company. The current position coordinate signal is The location of the merchant where the login identification tag is located, the user location coordinate signal is the user's current location, the control module compares the current location coordinate signal with the user location coordinate signal, and then sends the login data to the user through the link module Store it in a third-party database and send a feedback notification through the first communication module; and A mobile terminal, operated by a user, is provided with an application module and an identification module for signal connection to the application module, a second communication module and a display module. The identification module is scanned or sensed. The identification tag should be registered so that the mobile terminal uses the second communication module to log in to the merchant’s epidemic prevention and insurance platform via the Internet, and presents the login webpage on the display module to provide the user with the login data, and then the second communication module The second communication module sends and receives the feedback notification transmitted by the first communication module at the same time; wherein, the merchant determines the location information and the time information of the event when a confirmed event occurs, and passes the merchant’s epidemic prevention and insurance platform. The link module uploads the location information and the time information to the insurance company’s server, and the insurance company’s server informs the third-party database to extract the user’s login data related to the location information and the time information accordingly. The user's mobile terminal voluntarily sends a notification message of contacting the confirmed person to inform the relevant user to process a quick claim. According to the anti-epidemic insurance device described in item 1 of the scope of patent application, the registration identification tag is selected from the group consisting of QR code (QR code), Radio Frequency Identification (RFID) tag, and Near Field Communication (Near Field). Communication, NFC) tag, and Bluetooth beacon (Beacon) one or a combination thereof. According to the anti-epidemic insurance device described in item 1 of the scope of patent application, the positioning module uses Global Positioning System (GPS), Google Maps, carrier base stations, wireless local area network (wifi), blue Bud, Beacon or other positioning technology that matches the login identification tag. According to the anti-epidemic insurance device described in item 1 of the scope of patent application, the login data includes the user name and mobile phone number. According to the anti-epidemic insurance device described in item 1 of the scope of patent application, the mobile terminal is a smart phone or a tablet computer. According to the anti-epidemic insurance device described in item 1 of the scope of patent application, the merchant's anti-epidemic insurance platform is a mobile phone application (APP), an Internet interactive platform (Network platform) or an Internet portal (Website).

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