TWM629111U - A system for recommending commercial insurance plans - Google Patents

Abstract

Herein is disclosed a system for recommending a commercial insurance application plan for implementing an insurance recommended method. The recommended commercial insurance application system is connected to a client in communication, and the method executed by the system includes establishing a risk monitoring building target database and an industrial and commercial registration database, then receiving the information of the target to be insured provided from the client, and communicating with the target. After the risk monitoring building target database is compared, an evaluation score of the insured building and the geographical risk value of the insured building are generated, and a suggested commercial insurance application plan is provided to the client according to the results.

Description

A system for recommending commercial insurance plans

The new model belongs to the field of insurance sales, in particular to a method for intelligently recommending a commercial insurance application plan and a system for executing the method.

The current commercial insurance application process is complicated, and the types of commercial insurance are different from general life insurance. According to the subject of insurance, it can be divided into three aspects: property risk, liability risk and employee risk. There are at least 60 types of insurance. There are various types. At present, manual operation is mainly used, and the process is time-consuming and inefficient. Furthermore, since commercial insurance is a highly specialized insurance category, it takes a lot of time and cost to educate and train insurance salesmen so that they can fully learn the relevant knowledge of commercial insurance insurance, otherwise they cannot provide complete protection for customer needs.

In the commercial insurance application business that requires a high degree of professionalism, there is no suitable intelligent commercial insurance application method and system in the prior art that can be used to execute or assist, and the deficiencies of the prior art can be felt urgently. In view of this, there is an urgent need in the art for a method and system for intelligently recommending a commercial insurance application plan, so as to improve the deficiencies of the prior art.

The novel content is intended to provide a simplified summary of the disclosure to give the reader a basic understanding of the disclosure. This summary is not an exhaustive overview of the disclosure, and it is not intended to identify key/critical elements of the novel embodiments or to delineate the scope of the novel.

The present invention relates to a method and system for recommending a commercial insurance application plan. The novel process design can efficiently complete commercial insurance application, reduce the risk of errors caused by human operations, and can also provide the insured with a more complete commercial insurance application plan.

This new aspect relates to a method for recommending a commercial insurance application scheme, which is applicable to a recommending commercial insurance application system, and the recommended commercial insurance application system is communicatively connected to a client, including: (a) establishing a risk monitoring building target data a database, which includes multiple pieces of risk monitoring building ontology information and multiple pieces of latitude and longitude information corresponding to the multiple pieces of risk monitoring building ontology information, and establishes an industrial and commercial registration database, which includes multiple pieces of company information; After comparing the information of a target to be protected provided by the client with the database of the risk-monitored building target, an assessment score of the required building is generated; (c) analyzing the information of the target to be protected and the difference between the required building and the target building. The distance of at least one risk monitoring building corresponding to the risk monitoring building ontology information to generate a required building geographic risk value; and (d) based on the required building evaluation score and the required building geographic risk value , and generate a suggested commercial insurance application plan to the client.

In an optional embodiment, in step (b), an evaluation score of the building to be insured is generated based on a building ontology information, wherein the building ontology information is building material, floor height, building type, usage or a combination thereof . In a specific embodiment, in step (b), it further includes converting the building materials in the building ontology information through weight conversion to obtain an identified building material.

In another optional embodiment, the company information is a unified serial number, company name, company address, representative name, approval date of establishment, business project or a combination thereof.

According to another embodiment of the present invention, in step (c) of the method of the present disclosure, the plurality of pieces of risk monitoring building body information respectively include address information, and the plurality of pieces of risk monitoring building body information are multiple pieces of longitude and latitude. The information is converted into latitude and longitude information based on address information.

According to another embodiment of the present invention, the proposed commercial insurance application plan in the method of the present disclosure includes a main insurance application recommendation list and an additional insurance recommendation list, and step (d) further includes: according to the information of the target to be insured, the business enterprise The project recommends the main insurance application recommendation list; and receives the main insurance application request from the user terminal, and recommends the additional insurance recommendation list.

In other embodiments of the present invention, after step (c) of the method of the present disclosure, the method further includes: providing a risk diagnosis assessment questionnaire to the client, and obtaining a risk diagnosis assessment result; and based on the risk diagnosis assessment result, the The evaluation score of the insured building and the geographical risk value of the insured building generate the proposed commercial insurance plan.

Another aspect of the present invention relates to a system for recommending a commercial insurance application scheme, which includes a processing unit, a communication unit and a storage unit that are electrically coupled to each other and communicated with a client, wherein the processing unit uses To perform the following steps: (a) establish a database of risk monitoring building objects, which includes a plurality of pieces of risk monitoring building ontology information and corresponding to the multiple pieces of risk monitoring building ontology information; Plural pieces of longitude and latitude information, and establishing an industrial and commercial registration database, which includes a plurality of pieces of company information; (b) After receiving the information about a target to be protected provided from a client, and comparing it with the database of the risk monitoring building target, generating an evaluation score of a to-be-insured building; (c) analyzing the distance between the to-be-insured building and at least one risk-monitored building corresponding to the information of the risk-monitored building body information, and generating a to-be-secured building geographic risk value; and (d) generating a suggested commercial insurance application plan to the client based on the assessment score of the insured building and the geographic risk value of the insured building.

Furthermore, in other embodiments of the present invention, the system of the present disclosure is also used to execute the methods shown in the above-mentioned other embodiments.

After referring to the following embodiments, those with ordinary knowledge in the technical field to which the present invention pertains can easily understand the basic spirit and other new purposes of the present invention, as well as the technical means and implementation aspects of the present invention.

The main component symbols of this new model are listed as follows:

100: Commercial Insurance Insurance Recommendation System

112: Communication unit

114: Processing unit

116: storage unit

210-230, 310-340, 410-450, 510-520, 610-650: Steps

In order to make the above and other purposes, features, advantages and embodiments of the present invention more clearly understood, the accompanying drawings are described as follows: FIG. 1 is a commercial insurance recommendation system 100 according to an embodiment of the present disclosure. Schematic diagram of ; Figures 2 to 4 are the recommended methods of commercial insurance according to different embodiments of the present invention; Fig. 5 is a method of calculating the geographical risk value of a building to be insured according to a specific embodiment of the present invention; and Fig. 6 is a recommended method of commercial insurance according to an embodiment of the present invention

In accordance with common practice, the various features and elements in the drawings are not drawn to scale, but are drawn in order to best represent specific features and elements relevant to the present invention. Furthermore, the same or similar reference numerals are used to refer to similar elements/components among the different drawings.

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; but this is not the only form of implementing or using the specific embodiments of the present invention. The features of various specific embodiments as well as method steps and sequences for constructing and operating these specific embodiments are encompassed in the detailed description. However, other embodiments may also be utilized to achieve the same or equivalent functions and sequence of steps.

Unless otherwise defined in this specification, the scientific and technical terms used herein have the same meanings as understood and commonly used by those of ordinary skill in the art to which the present invention belongs. In addition, unless contradicting the context, the singular noun used in this specification covers the plural form of the noun; and the plural noun used also covers the singular form of the noun.

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; but this is not the only form of implementing or using the specific embodiments of the present invention. The features of various specific embodiments and the method steps for constructing and operating these specific embodiments are encompassed in the detailed description. sequence. However, other embodiments may also be utilized to achieve the same or equivalent function and sequence of steps.

As can be understood, the "system" generally has at least some form of storage medium; the storage medium includes electrical, non-electric, removable and non-removable media, and appropriate methods may be used. or technology that enables such media to be used to store desired information (eg, computer-readable instructions, data structures, application modules, and other data). Storage units include, but are not limited to: RAM, ROM, EEPROM, flash memory, or other memory technology, CD-ROM, digital versatile disc (DVD), or other optical storage, magnetic cartridges, tapes, disks Chip memory, and other magnetic storage devices, or any other medium that can be used to store the required information and that can be accessed by the processor. Generally speaking, the communication unit can embody computer-readable instructions, data, structures, application modules and other data into various data signals, which can be transmitted through any communication medium. By way of example and not limitation, the communication unit includes wired media (eg, wired network or direct wired connection) and wireless media (eg, sonic, infrared, radio, microwave, spread spectrum technology, and other wireless media technologies). In addition, the communication unit is implemented by using a communication chip, for example, the communication chip supports an Ethernet network, an optical fiber communication network, a telecommunication cable network, a Global System for Mobile communication (GSM), a personal handheld telephone system ( Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) systems, Wireless Fidelity (Wi-Fi) systems, Bluetooth signal transmission components or other components that support the Institute of Electrical and Electronics Engineers , IEEE) standard communication specification chip.

The processing unit is communicated and connected with the communication unit and the storage unit, and is used for running necessary operations and necessary functions of the system for recommending commercial insurance plans. In an embodiment of the present disclosure, the processing unit is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessors (Microprocessors), digital signal processors The present disclosure is not limited thereto.

By way of example and not limitation, the "system" may be a desktop computer, a server computer, a handheld or laptop device, a personal digital assistant, a multiprocessor system, a microprocessor-based system, a set-top box , programmable consumer electronics, mobile phones (especially smart phones), network computers, mini-computers, mainframe computers, distributed computing environments including any of the foregoing systems or devices, and the like.

The "user" mentioned herein refers to an individual, such as a consumer or an insurer, who is suitable for the method and/or system for recommending a commercial insurance application plan of the present invention. In a preferred embodiment, the user refers to an insurance agent.

In order to provide better service and standardize and/or intelligently plan the operation procedure of commercial insurance application, the present invention provides a method for recommending a commercial insurance application plan and a device that can be used to execute the method. The method proposed by the new model simplifies the tedious operation process and enables the user to quickly complete the insurance application business.

FIG. 1 is a schematic diagram of an intelligent commercial insurance recommendation system according to an embodiment of the new type. The intelligent commercial insurance recommendation system 100 has a communication unit 112 , a processing unit 114 and a storage unit 116 that are electrically coupled to each other. The storage unit 116 stores a computer-readable instruction, as described above, the present invention provides a novel intelligent business The insurance recommendation system provides an easy-to-operate commercial insurance application planning process for the first time, allowing insurance salesmen (ie, users) to quickly assist customers in completing insurance application operations.

Fig. 2 shows a commercial insurance recommendation method according to an embodiment of the present invention. In the commercial insurance recommendation method of the new type, a customer-centered design of the digital commercial insurance application process, intelligent integration of various insurance products and insurance application processes, and rapid completion of insurance application.

The method shown in this embodiment is executed by the intelligent commercial insurance recommendation system shown in FIG. 1 . Specifically, in step 210, a user (eg, a proposer or an insurance salesperson) (ie, a client) inputs the basic information of the proposer/insured through the intelligent commercial insurance recommendation system 100, where When the intelligent commercial insurance recommendation system 100 receives the basic information, it further determines the industry category of the insured. In step 210, data input or automatic data import and data checking can be completed through the design of dynamic question and answer and intelligent guidance.

In step 220, an intelligent risk diagnosis is performed, and a suitable insurance product is determined according to the basic information of the insured provided by the user, for example, according to the relevant risk factors such as the industry of the target to be insured, the nature of the target to be insured, etc., to calculate The estimated risk value is obtained, and then, in step 230, a suggested commercial insurance application plan is generated.

In a non-limiting embodiment, the commercial insurance application plan includes an insurance plan list for a specific target to be insured, covering the main insurance contract protection plan and the supplementary insurance plan, and preferably, the insurance premium is calculated in real time for the user's reference. Furthermore, the method can further adjust the content of the insurance product in real time according to the needs of the user, and obtain the updated and correct insurance premium.

In addition, in other embodiments, the novel commercial insurance recommendation method further includes providing and outputting an integrated quotation and insurance letter by merging multiple insurance types at the same time, so as to facilitate the user to confirm the insurance application information at one time.

FIG. 3 shows a method for recommending a commercial insurance application plan according to another embodiment of the present invention. In order to achieve the purpose of intelligently recommending a commercial insurance application plan, first, in step 310, the system 100 retrieves a company information corresponding to the industrial and commercial registration data according to an industrial and commercial registration data, establishes an industrial and commercial registration database, and The house number of the national address, the license corresponding to the address is retrieved, and a database of building objects for risk monitoring is established. In a non-limiting embodiment, the risk monitoring building target data includes multiple pieces of risk monitoring building ontology information and multiple pieces of latitude and longitude information corresponding to the multiple pieces of risk monitoring building ontology information. The industrial and commercial registration information may be the industrial and commercial registration publicity information displayed in the government's public information system, and the relevant information of the risk monitoring building target database can also be obtained from the public information system.

It should be noted that the risk monitoring building target database or the industrial and commercial registration database can be stored in the storage unit 116 of the system 100 for recommending commercial insurance plans. In other embodiments, the risk monitoring building target database or the industrial and commercial registration database can also be an independent database, which can be accessed through the system 100 for recommending commercial insurance application solutions.

In an optional embodiment, the building ontology information is building material, floor height, building type, usage or a combination thereof. In addition, the company information is unified serial number, company name, company address, representative name, approval date of establishment, business project or a combination thereof.

Next, in step 320, the information about the object to be insured provided from the client is received and compared with the risk monitoring building object database to generate an evaluation score of the object to be insured. According to a specific embodiment, the system 100 of the recommended commercial insurance application scheme can be based on the company's unified serial number and serial business registration data, through the address information in the company data and the risk monitoring building target database comparison, based on the building body information. After bringing in the building structure and the number of floors, it is converted into a building level, and the building to be protected is generated. Assessment scores. Furthermore, the required building evaluation score may further refer to the use license information in the building body information.

In other embodiments, in the step 320, the building materials in the building ontology information may be transformed by weights to obtain an identified building material.

Specifically, in step 320, the original data is imported, and the licensed building structure is analyzed to correspond to the fire risk of the building exterior wall structure. If the building structure is composed of a single material, the building structure evaluation is directly performed to obtain the identified building material. If the building structure is made of composite materials, the composite materials are divided into single building materials and then evaluated to obtain the identified building materials. For the evaluation methods, please refer to Table 1.

In addition, after the building materials are scored, the highest score is used as the main material, that is, the identified building materials, and then the building grade is interpreted. Please refer to Table 2 for the interpretation standards. The interpretation result can be used as the evaluation score of the building to be protected.

In step 330, according to the information of the target to be insured, analyze the distance between the insured building corresponding to the information of the target to be insured and at least one risk monitoring building, and generate a geographical risk value of the insured building, which is used as a basis for recommending a commercial insurance plan .

In step 340, based on the evaluation score of the insured building and the geographic risk value of the insured building, a suggested commercial insurance plan is generated. The proposed commercial insurance application plan planned covers insurance items, main insurance items, and coverage. Furthermore, in an embodiment, the recommended commercial insurance application plans may cover a plurality of insurance plans, and each plan may be divided into recommended plans or simplified plans according to different coverages.

FIG. 4 shows a method for recommending a commercial insurance application plan according to another embodiment of the present invention. In this embodiment, the method is substantially the same as that in FIG. 3 , and the same parts are not repeated here. Specifically, in step 410, according to the industrial and commercial registration data, a company information corresponding to the industrial and commercial registration data is retrieved, an industrial and commercial registration database is established, and according to the house number of a national address, a company information corresponding to the address is retrieved to establish a risk-monitored building target database. Next, in step 420 , the information about the target to be guaranteed is received, and after being compared with the database of risk monitoring building targets, an assessment score of the building to be guaranteed is generated.

In addition, the method of the present invention further includes step 430, receiving the information of the object to be insured, and comparing it with the industrial and commercial registration database to generate industry type information, or receiving the information of the object to be insured, and inputting the information of the industry type corresponding to the building to be insured , resulting in a guaranteed building industry score. Specifically, the industry type information is the business item in the company information.

In step 440 , in the same way as the method shown in FIG. 3 , the distance between the insured building and at least one risk monitoring building corresponding to the information that should be insured is analyzed to generate a geographical risk value of the insured building.

Finally, in step 450, based on the evaluation score of the insured building, the industry score of the insured building, and the geographic risk value of the insured building, a proposed commercial insurance plan is generated. In a non-limiting embodiment, the suggested commercial insurance application plan includes a main insurance application recommendation list. Next, based on the main insurance application request, a recommended list of additional insurances is recommended.

Fig. 5 shows a method for calculating the geographic risk value of a building to be insured according to a specific embodiment of the present invention.

First, in step 510, a risk monitoring building target database is established, which includes multiple pieces of risk monitoring building ontology information and multiple pieces of latitude and longitude information corresponding to the multiple pieces of risk monitoring building ontology information. In an optional embodiment, the risk monitoring building body information may be facilities such as airports, fire stations, industrial areas, or incinerators.

Next, in step 520, according to the address of the insured object in the insured object information, the latitude and longitude information is converted into a latitude and longitude information, and compared with the information of the risk monitoring building body to calculate the geographic risk value of the insured building. For example, take the airport as an example, calculate the distance to the airport in Taiwan, and take the nearest distance as the analysis basis. If the distance is within 3 kilometers from the airport, the additional risk of aircraft fall is recommended.

Fig. 6 shows a method for recommending a commercial insurance application plan according to another embodiment of the present invention. The main steps performed by the method of the present invention are similar to those in FIG. 4 , wherein the steps 610 , 620 , and 640 are the same as those of steps 410 , 420 , and 440 , and will not be repeated here. In this embodiment, a different technical feature lies in step 630, and the method further includes providing a risk diagnosis assessment questionnaire, and obtaining a risk diagnosis assessment result. The risk diagnosis questionnaire can be designed for basic information, location information, management information, fire protection information and loss record information, and obtains risk diagnosis assessment results related to risk assessment factors to be protected. Finally, based on the risk diagnosis evaluation result, the evaluation score of the to-be-insured building, and the geographic risk value of the to-be-insured building, a proposed commercial insurance plan is generated (step 650).

To sum up, the steps in the various methods for recommending commercial insurance insurance plans shown in this new embodiment can be combined or modified. The insurance plan process shown in any of the above embodiments and the flowchart shown in the diagram are only examples. It is used to describe aspects of the present invention, but not the only form of implementing or utilizing the specific embodiments of the present invention.

100: Commercial Insurance Insurance Recommendation System

112: Communication unit

114: Processing unit

116: storage unit

Claims (7)

A system for recommending commercial insurance plans, comprising a processing unit, a communication unit and a storage unit that are electrically coupled to each other and communicated with a client, wherein the processing unit is used to perform the following steps: (a) establishing A database of risk monitoring building objects, which includes plural pieces of risk monitoring building ontology information and plural pieces of latitude and longitude information corresponding to the plural pieces of risk monitoring building ontology information, and establishes an industrial and commercial registration database, which includes plural pieces of company information ; (b) Receive information about a target to be guaranteed provided from a client, and compare it with the risk monitoring building target database to generate an assessment score of the building to be guaranteed; (c) Analyze the information of the target to be guaranteed The distance between the to-be-insured building and at least one risk-monitored building corresponding to the risk-monitored building ontology information generates a to-be-insured building geographic risk value; and (d) based on the to-be-insured building evaluation score and the required Insure the geographic risk value of the building, and generate a suggested commercial insurance plan to the client. The system for recommending a commercial insurance plan according to claim 1, wherein in the step (b), the evaluation score of the building to be insured is generated based on a building ontology information, wherein the building ontology information is building materials, floors Height, type of building, purpose of use, or a combination thereof. The system for recommending an insurance plan for commercial insurance as described in claim 2, wherein in the step (b), it further comprises converting the building materials in the building ontology information through weights to obtain an identified building material. The system for recommending a commercial insurance application plan as described in claim 1, wherein the company information is a unified number, company name, company address, name of representative, date of approval for establishment, business project or a combination thereof. The system for recommending a commercial insurance plan according to claim 4, wherein in the step (c), the plurality of pieces of risk monitoring building body information respectively include an address information, and the plurality of pieces of risk monitoring building body information The plurality of latitude and longitude information is converted into the latitude and longitude information according to the address information. The system for recommending a commercial insurance application plan according to claim 4, wherein the recommended commercial insurance application plan includes a main insurance application recommendation list and an additional insurance recommendation list, and in step (d), it further comprises: according to the required insurance The business project in the subject information recommends the main insurance application recommendation list; and receives the main insurance application request from the client, and recommends the additional insurance recommendation list. The system for recommending a commercial insurance plan according to claim 1, further comprising after step (c): providing a risk diagnosis assessment questionnaire to the client, and obtaining a risk diagnosis assessment result; and based on the risk diagnosis assessment As a result, the insured building evaluation score and the insured building's geographic risk value generate the proposed commercial insurance plan.

Images