WO2023121609A1 - Système de déclaration de sinistre - Google Patents

Système de déclaration de sinistre Download PDF

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Publication number
WO2023121609A1
WO2023121609A1 PCT/TR2022/050924 TR2022050924W WO2023121609A1 WO 2023121609 A1 WO2023121609 A1 WO 2023121609A1 TR 2022050924 W TR2022050924 W TR 2022050924W WO 2023121609 A1 WO2023121609 A1 WO 2023121609A1
Authority
WO
WIPO (PCT)
Prior art keywords
insurance
application
server
information
users
Prior art date
Application number
PCT/TR2022/050924
Other languages
English (en)
Inventor
Cemal KIRLAR
Original Assignee
Turkiye Garanti Bankasi Anonim Sirketi
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Turkiye Garanti Bankasi Anonim Sirketi filed Critical Turkiye Garanti Bankasi Anonim Sirketi
Publication of WO2023121609A1 publication Critical patent/WO2023121609A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0257—User requested
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0282—Rating or review of business operators or products

Definitions

  • the present invention relates to a system which enables users to create an insurance claim by entering their insurance coverage preferences, the upper limit that they can pay for the insurance premium, the card or account information whereby they want to make payment, and the information on how many months the users will repay the premium amount they have determined; ensures that insurance offers suitable for the person are created in accordance with the preferences determined by the users; enables to present the offers created, the additional coverages that the users can benefit from together with the offers and the campaigns that the users can benefit from via other payment options other than the payment preference of the users; and ensures that the users become insurance holders in accordance with the user approval.
  • the Chinese patent document CN111091471A discloses a system and method for offering an insurance product in accordance with user information, requests and payment options.
  • the said invention provides an insurance claim payment method, device and apparatus and a storage medium; it comprises the steps of receiving an insurance claim settlement request sent by a user side; in response to the insurance claim settlement request, obtaining insurance policy information from a preset insurance policy system according to the insurance policy number; according to the insurance policy information, sending a plurality of compensation modes of the personal insurance premium to the user side, so that the user of the user side determines a target compensation mode from the plurality of compensation modes displayed by the user side; receiving a target compensation mode sent by the user side, and determining claim settlement funds paid in each payment period according to the staging time periods, the payment time periods, the payment periods and the personal insurance funds in the target compensation mode; and displaying the claim settlement money paid to the account corresponding to the beneficiary information on the settlement day of each payment period to the user through the user side.
  • An objective of the present invention is to realize a system which enables users to create an insurance claim by entering their preferences and number for insurance coverage, the upper limit that they can pay for the insurance premium, the card or account information whereby they want to make payment, and the information on how many months the users will repay the premium amount they have determined.
  • Another objective of the present invention is to realize a system which enables to determine the insurance products that correspond to the insurance claims created by the users, the additional coverages, the benefits that the users can gain and the campaigns that the users can benefit from in accordance with their payment preferences and then to present them to the users as an offer.
  • Another objective of the present invention is to realize a system which enables to automatically create insurance policies in the event that the users select from the insurance products and campaign offers presented to them and/or approve the presented products, and then to define the said products on the behalf of the users.
  • Another objective of the present invention is to realize a system which enables to create policy offers in accordance with the said kilometer and time information and then to present them to the users, upon the users commit the total kilometer to be covered by their vehicles within one year and the time information for their auto insurance (casco).
  • Another objective of the present invention is to realize a system which enables users to be able to freeze or suspend their auto insurance policies remotely for their auto insurance during the time when they do not use their vehicles.
  • Figure l is a schematic view of the inventive system. The components illustrated in the figure are individually numbered, where the numbers refer to the following:
  • the inventive system (1) which enables persons to determine their insurance preferences; enables to determine the insurance products and additional benefits or campaigns in accordance with the said insurance preferences and then to present them to persons as an offer and to define the products, that are determined in line with the approvals received, to the persons comprises: at least one electronic device (2) which is configured to realize data exchange and to run at least one application thereon by using any remote communication protocol; at least one application (3) which is run on the electronic device (2) and configured to enable at least users to create an insurance claim by entering their insurance product preferences and to view the insurance products determined; at least one database (4) which is configured to record the information about the insurance products therein; and at least one server (5) which is configured to establish communication with the electronic device (2) by using any remote communication protocol; to realize data exchange with the application (3), that is run on the electronic device (2), over this communication established; to manage the database (4); to receive the information about the said insurance offer from the application (3) upon being triggered when an insurance claim is created by a user by means of the application (3); to determine whether there is an insurance product, an additional
  • the electronic device (2) included in the inventive system (1) is a device such as smartphone, tablet computer, desktop computer, or portable computer configured to run at least one application (3) thereon.
  • the said electronic device (2) has speakers providing audio output and an input unit such as a key or touchscreen.
  • the said electronic device (2) has speakers providing audio output and an input unit such as a key or touchscreen.
  • the electronic device (2) is configured to establish connection with the server (5) by using any remote communication protocol included in the state of art and to realize data exchange between the application (3) and the server (5) over this connection established.
  • the electronic device (2) is configured to realize data exchange with the server (5) by using a data bus such as Internet.
  • the application (3) included in the inventive system (1) is run on the electronic device (2) and configured to enable at least users to create an insurance claim by entering their insurance product preferences.
  • the application (3) is configured to provide at least one interface adapted so as to enable users to enter the type of insurance they demand, the insurance coverages and the number thereof, information about the maximum premium amount they can pay, the payment type of premium amount and information about the means of payment and/or to select from existing lists.
  • the application (3) is configured to provide at least one interface adapted so as to enable users to enter the type of insurance such as life insurance, health insurance or auto insurance life insurance, health insurance or auto insurance; the coverages provided in addition to the main coverages of the related insurance type; the upper limit of premium that they can pay for the related insurance; information about the payment type such as payment in advance or payment in installments; information about the payment instruments such as account information or credit card information in relation to the insurance claim created by the users and/or to select from the lists provided for all categories.
  • the said application (3) is configured to enable users to view the offers for insurance product, additional benefit or campaign corresponding to the insurance claim created by themselves and to select from the said product or benefits.
  • the application (3) is configured to transmit the created insurance claims to the server (5) such that they are associated with the user.
  • the database (4) included in the inventive system (1) is in communication with the server (5) and configured to be managed by the server (5).
  • the said database (4) is configured to record the information about insurance products therein.
  • the server (5) included in the inventive system (1) is configured to establish communication with the electronic device (2) by using any remote communication protocol included in the state of art and to realize data exchange with the application
  • the server (5) is configured to establish communication with the electronic device (2) over a data network such as Internet.
  • the server (5) is configured to manage the database (4) by operations such as recording new data into the database (4), deleting the recorded data in the database
  • the server (5) is configured to receive the information about the insurance claim upon being triggered by the insurance product claims created by users on the application (3) and then to process them.
  • the server (5) is configured to run a query on the database (4) for the insurance claim information received and to determine whether an insurance product suitable for the user is available or not.
  • the server (5) is configured to receive the insurance products corresponding to the insurance claim information of the user from the database (4) and to transmit them to the application (3) to be presented to the user as an offer.
  • the server (5) is configured to detect whether there is a discount or campaign for a different payment instrument (a different credit card or account) other than the payment instruments stated by the user to pay the amount of insurance premium and to transmit the information of alternative payment instruments found to the application (3) to be presented to the user as an offer.
  • the server (5) is configured to prepare a policy for a selected or approved insurance product, upon being triggered when users select from and/or approve the insurance product offers presented to them over the application (3).
  • a user creates an insurance claim by stating the type of insurance, the information and number of additional coverage demanded together with the main coverage, the upper premium amount of insurance s/he can pay, the type of payment such as in advance or in installments, the information of payment instruments such as credit card or account information over the application (3) and the created claim and the information related to the said claim are transmitted to the server (5) in order to determine whether an insurance product suitable for the user is available or not.
  • the server (5) processes the received insurance claim and then determines the insurance products meeting the user demands in accordance with the insurance products and information being recorded in the database (4) and transmits them to the application (3) so as to be presented to the user as an offer.
  • the server (5) determines whether there is any discount or campaign for a different credit card or account other than the payment instrument stated by the user to pay the amount of insurance premium for the insurance product together with the suitable insurance products and transmits the offer to make payment by a different payment instrument in accordance with the campaigns or discounts found.
  • the related insurance product or additional benefits are defined on the behalf of the user by the server (5).
  • the electronic device (2), the application (3), the database (4), and the server (5) included in the inventive system (1) provide information and approval to the user in accordance with the data privacy principles and operate within the scope of the Law on Protection of Personal Data (PDPL).
  • PDPL Personal Data

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention se rapporte à un système (1) qui permet aux utilisateurs de créer une déclaration de sinistre par entrée de leurs préférences de garantie, de la limite supérieure qu'ils peuvent payer la prime d'assurance, des informations de carte ou de compte par lesquelles ils souhaitent effectuer le paiement et des informations sur le nombre de mois que les utilisateurs rembourseront le montant de prime qu'ils ont déterminé ; garantit que des offres d'assurance adaptées à la personne sont créées conformément aux préférences déterminées par les utilisateurs ; permet de présenter les offres créées, les couvertures supplémentaires dont les utilisateurs peuvent bénéficier conjointement aux offres et les campagnes dont les utilisateurs peuvent bénéficier par le biais d'autres options de paiement, autres que la préférence de paiement des utilisateurs ; et assure que les utilisateurs deviennent des assurés conformément à l'approbation de l'utilisateur.
PCT/TR2022/050924 2021-12-23 2022-08-31 Système de déclaration de sinistre WO2023121609A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2021/020823 2021-12-23
TR2021/020823A TR2021020823A2 (tr) 2021-12-23 2021-12-23 Bi̇r si̇gorta talep si̇stemi̇

Publications (1)

Publication Number Publication Date
WO2023121609A1 true WO2023121609A1 (fr) 2023-06-29

Family

ID=85116962

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2022/050924 WO2023121609A1 (fr) 2021-12-23 2022-08-31 Système de déclaration de sinistre

Country Status (2)

Country Link
TR (1) TR2021020823A2 (fr)
WO (1) WO2023121609A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2019232883A1 (fr) * 2018-06-07 2019-12-12 平安科技（深圳）有限公司 Procédé et dispositif de poussée de produit d'assurance, dispositif d'ordinateur et support d'informations
CN111091471A (zh) * 2019-11-25 2020-05-01 泰康保险集团股份有限公司 保险理赔方法、装置、设备及存储介质
US20210279810A1 (en) * 2017-05-24 2021-09-09 Jenny Life, Inc. Interactive and adaptive systems and methods for insurance application

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20210279810A1 (en) * 2017-05-24 2021-09-09 Jenny Life, Inc. Interactive and adaptive systems and methods for insurance application
WO2019232883A1 (fr) * 2018-06-07 2019-12-12 平安科技（深圳）有限公司 Procédé et dispositif de poussée de produit d'assurance, dispositif d'ordinateur et support d'informations
CN111091471A (zh) * 2019-11-25 2020-05-01 泰康保险集团股份有限公司 保险理赔方法、装置、设备及存储介质

Also Published As

Publication number Publication date
TR2021020823A2 (tr) 2022-01-21

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