TW201926207A - System utilizing network techniques and data for designing insurance products - Google Patents

Abstract

A system utilizing network techniques and data for designing insurance products is disclosed. The system is installed in a server, capable of connecting with a number of mobile electronic products. The system includes: a data transceiving module for sending message to the mobile electronic products and receiving an insurance requirement from any one of the mobile electronic products, wherein the insurance requirement includes types of insurance, insurance period and insurance fee; a database module for storing combinations of the insurance periods and insurance amounts corresponding to different insurance fees of each insurance types, and default insurance object data insured persons corresponding to the insurance requirement; a processing module, connected to the data transceiving module and the database module, for analyzing the insurance requirement, selecting the insurance amount corresponding to the type of insurance, insurance period and insurance fee, further generating a underwriting sheet for underwriting operation; and a remote display module, connected to the processing module, for sending out and displaying the insurance amount along with associated information on a screen of the mobile electronic product sending out the insurance requirement through the data transceiving module.

Description

System for designing insurance products using networked technologies and data

The present invention relates to a method for designing insurance products and a system for implementing the method, and more particularly, to a method for designing insurance products using networked technology and data and a system for implementing the method.

The legal and economic significance of insurance is a risk management method, which is mainly used to deal with the risk of economic loss. By paying a certain fee, the risk of potential loss of an entity is passed on to the average of a set of entities. In early societies, money was used to invest and buy insurance were two very different ideas. However, under the concept that making up for future losses is also a gain, insurance has entered the wealth management portfolio and is more widely accepted by the world.

Traditional insurance products are designed and developed by the insurance company's product department through market research and research based on past experience to determine “what kind of insurance a customer may need”, and then recommend sales to customers through different channels. Customers can only choose from only a few products, and are strictly restricted in terms of product mix, insurance liability, insurance period, payment frequency and period. Since the advent of the Internet era, insurance marketing has gradually shifted from offline to online, and insurance information can even be obtained through application software (APP) on mobile devices and / or insurance can be purchased online. Such a novel online financial insurance seems to keep pace with the times, but it still stays in the era of "1.0 Financial Insurance Networking", which aims to help offline channels develop online marketing for the purpose of cost savings and efficiency improvement. Unlike today's Internet-led world, the latter's values have shifted from supply-oriented to consumer-oriented, that is, the online world is a world of user autonomy. Such a concept is deconstructing the value chain of traditional finance. In addition, with the advancement of the Internet of Things technology and mobile technology, the influence of the Internet is even more profound, and the mobile network has become a world in which user scenarios are constantly emerging. It brings many new opportunities based on big data, artificial intelligence, remote communications, and new markets like wearables. However, in the era of the mobile Internet, activities related to daily life such as clothing, food, living, travel, and entertainment will enter a fragmented and scene-oriented mode. The C2B model with user autonomy as the core of business will rise after B2B and B2C.

Looking further, the changes in the future world of mobile networks and related hardware facilities (Internet of Things + Internet) will be reflected in the Sharing Economy and Product-as-a-Service. Taking the sharing economy as an example, the use of tying and plug-in technology is embedded in the "shared +" business model to achieve the purpose of providing consumers and users with autonomy. As for products as a service, the basic principle is that the manufacturer retains ownership of the product, and To bear the cost of product operation and maintenance, consumers have the complete right to use it, but only pay when they use it, rather than paying first. This can encourage consumers to consume for experience, but not to spend too much and cause the problem of subsequent maintenance and discard. Once this type of new consumption model enters life, health, home, and workplace, it will generate more cross-industry new platform business models.

Unfortunately, Taiwan's insurance market has not realized the ongoing industrial changes. Judging from foreign experience and the current development of science and technology, in order to keep pace with the development of science and technology, the most important work that the insurance industry should reform is to change its thinking. Traditional insurance products are designed from the perspective of an insurance company. The product type and pricing mechanism are "guaranteed premiums," but this is not the product form required by the Internet world. Internet users value independent experience, are accustomed to fragmented consumption behavior, and think backwards from the user's point of view. The method of "premium insurance" can make any insurance truly fragmented. "Predetermined premium" means "how much money I have and how much insurance I buy". This core technology is like the second pulse of the Governor. Once it is opened, other fragmentation of the insurance liability (the scope of coverage) and the insurance period (when the guarantee starts and ends) is no longer a problem, and even these can allow users Decide for yourself that the right to choose will be transferred from "whether the insurance company underwrites standardized products" to "who will consumers seek for individualized insurance?"

Therefore, under this innovative concept, from product design to marketing, and even after-sales service, with the advancement of network technology, different tools or channels need to be used. Therefore, based on years of experience in the insurance industry and research on network technology-related technologies, the inventor has proposed a method for designing insurance products using networked technologies and data and a system for implementing the method. In addition to meeting the above requirements, I also hope to accelerate the evolution of Taiwan's insurance industry and reach the era of true "2.0 online finance and online insurance": meet fragmented and scenario-based insurance needs, and provide account-based insurance and experiential Insurance, on-demand insurance, and fragmented insurance, and other advanced insurance products.

This paragraph extracts and compiles certain features of the invention. Other features will be revealed in subsequent paragraphs. Its purpose is to cover the spirit and scope of the scope of additional patent applications, with various modifications and similar arrangements.

In order to provide account-based insurance, experiential insurance, on-demand insurance, and fragmented insurance and other insurance products that keep up with the times, the present invention proposes a system for designing insurance products using networked technologies and data. The system can be set up in a server and connected to a plurality of electronic communication devices via a network. It is characterized in that the system includes: a data transceiver module for sending messages to the electronic communication devices and receiving from any electronic communication An insurance requirement of the device, wherein the insurance requirement includes insurance type, insurance period and premium; a database module for storing a combination of insurance period and insurance amount corresponding to different premiums of various insurance types, and a preset corresponding to the insurance demand The data of the insurance subject and the data of the insured; a processing module connected to the input / output module and the database module to analyze the insurance demand, select the corresponding input insurance type, the insurance period and the insurance premium, and generate the insurance premium An underwriting policy for underwriting operations; and a remote display module connected to the processing module for sending the sum assured and related information through the data transceiver module and displaying the electronic demand for the insurance demand Communication device on a screen. Any type of insurance has corresponding information of at least one subject of insurance, which can be used to adjust the sum insured or decide whether to accept insurance.

Preferably, the processing module may further send a confirmation notification of insurance purchase to the electronic communication device through the remote display module; after receiving a confirmation signal, the electronic communication device responds to the confirmation purchase insurance notification to the The server sends a purchase notice, which is received by the data transceiver module and transmitted to the processing module.

Preferably, the message sent by the remote display module is presented on the screen through a mobile communication software (APP) or package software installed on the electronic communication device; the message sent from the electronic communication device to the server is also Issued by the mobile communication software or package software.

Preferably, the data transceiver module, the database module, the processing module and the remote display module are application software installed on the server or a circuit board module installed on the server.

Preferably, the electronic communication device may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a personal digital assistant, or other electronic devices with network functions.

Preferably, the information of the subject matter of insurance may include information of the subject matter of life and / or the subject matter of the product.

Preferably, the personal insurance subject information may include: the name of the insured, the insured ID number, the address of the insured, the contact information of the insured, the working information of the insured, the health status of the insured, and the relationship between the insured and the Beneficiary relationship, beneficiary name, beneficiary identification number, beneficiary address, beneficiary contact information, beneficiary work information, or a combination of any of the above two items.

Preferably, the product insurance subject information may include: the name of the insured object, the serial number of the insured object, the location of the insured object, the photos and / or video files of the insured object, the production time of the insured object, the life of the insured object, the insured The present value of the item, the name of the beneficiary or the name of the beneficiary unit, the beneficiary ID number or the unified number of the beneficiary unit, the address of the beneficiary or beneficiary unit, the contact information of the beneficiary or beneficiary unit, or a combination of any of the above two items.

Preferably, the insured information may include: the insured name, the insured ID number, the insured address, contact information, remittance account or credit card information, or a combination of any of the above two items.

Preferably, this type of insurance may include life insurance and / or product insurance.

Preferably, the type of life insurance may include: life insurance, medical insurance, illness insurance, accident insurance, wealth management life insurance, annuity insurance, travel safety insurance, death insurance, or a combination of any of the above two items.

Preferably, the product insurance type may include: fire insurance, earthquake insurance, cargo transportation insurance, hull insurance, automobile body loss insurance, third party liability insurance, general liability insurance, theft loss insurance, engineering insurance, product liability insurance , Aviation insurance, other property insurance, or a combination of any two or more of the foregoing.

Preferably, the insurance period may be continuous or discontinuous.

Preferably, the premium has a minimum amount.

Preferably, the system may further include an underwriting module, connected to the processing module and the database module, for sending the underwriting policy to the work computer of the underwriting staff for underwriting operations, Or automatically perform the underwriting operation according to a underwriting authorization clause preset by the database module.

From the above structure, we know that this system allows customers to search for insurance products according to their own protection needs, review their current payment capabilities, confirm the coverage and insurance period, and finally decide whether to insure; in the future, they can add insurance, activate, Activate protection to achieve the goals of "account-based insurance", "on-demand insurance", "experiential insurance" and "fragmented insurance".

The present invention will be described more specifically by referring to the following embodiments.

Please refer to FIG. 1, which is a block diagram of a system for designing insurance products using networked technologies and data according to the present invention. The system is set up in a server 100 and can be connected to 200 electronic communication devices via a network. The network 200 mentioned here can be a local area network, a wide area network, or the Internet. The connected electronic communication devices include, but are not limited to, smart phones, tablet computers, notebook computers, desktop computers, personal digital assistants, or other electronic devices with network functions. The server 100, the network 200, and the electronic communication device (such as the desktop computer 301, the tablet computer 302, the smart phone 303, and the personal digital assistant 304 in FIG. 1) constitute the application environment of the system.

The system for designing insurance products using networked technologies and data includes a data transceiver module 101, a database module 102, a processing module 103, a remote display module 104, and an underwriting module 105. These modules may be application software installed on the server 100, or circuit board modules installed on the server 100, and provide corresponding execution functions in software or hardware. Where appropriate, these modules may also be implemented partly in software and partly in hardware. The functions of each module are described below.

The function of the data transceiver module 101 is to send messages to the electronic communication devices and to receive an insurance demand from any electronic communication device. The content of insurance demand is about some relevant information required to establish a single insurance contract, including the type of insurance, insurance period and premium. The insurance period can be continuous or non-continuous. For example, the insurance period of a medical insurance is from January 1, 2017 to December 31, 2020, for a period of 4 years; a travel insurance can vary depending on the time of a person in a particular foreign country, and the insurance period can be as in March 2017 27 to April 2, 2017, and May 9, 2017 to May 17, 2017-like settings. Finally, with regard to premiums, since the spirit of the present invention is "predetermined premiums", any amount of premiums by definition can be purchased with a corresponding degree of insurance products (type of insurance, insurance period and insurance amount). However, in practice, because of the restrictions on the minimum currency value, remittance costs, and basic operating costs of insurance companies, it is best to have a minimum amount of premiums, such as 10 yuan.

The database module 102 is used to store the combination of the insurance period and the sum insured corresponding to the different premiums of various types of insurance, as well as the information of the preset insurance subject and the insured person corresponding to the insurance demand. Because the data of the insurance subject and the data of the insured are created in advance to correspond to the insurance needs, with the content stored in the database module 102, as long as the insurance type, premium and insurance period are given, the corresponding insurance amount can be found.

The data of the subject matter of insurance may include the subject matter of personal insurance and / or the subject matter of product insurance, that is, the system can be applied to personal insurance and product insurance. As far as the personal insurance subject information is concerned, it can include: the name of the insured, the insured ID number, the address of the insured, the contact information of the insured, the work information of the insured, the health status of the insured, and the insured Relationship with beneficiary, beneficiary name, beneficiary identification number, beneficiary address, beneficiary contact information, beneficiary work information, or a combination of any of the above two items. The product insurance subject information includes: the name of the insured object, the serial number of the insured object, the location of the insured object, the photos and / or video files of the insured object, the production time of the insured object, the life of the insured object, the current status of the insured object. Value, name of beneficiary or beneficiary unit, beneficiary identification number or uniform number of beneficiary unit, address of beneficiary or beneficiary unit, contact information of beneficiary or beneficiary unit, or any combination of two or more of the foregoing. Of course, other insurance subject materials that require specific confirmation due to different types of insurance are within the scope of the present application for protection.

The aforementioned insured person's information, which corresponds to the subject matter of insurance, includes the insured's name, the insured's ID number, the insured's address, the insured's contact information, the remittance account or credit card information, or any of the above two items Of combination. As mentioned above, the data of the insurance subject matter may include the data of the personal insurance subject matter and / or the product insurance subject matter, and the type of insurance in the insurance subject matter may also include the life insurance type and / or product insurance type. Further, life insurance types may include: life insurance, medical insurance, illness insurance, accident insurance, wealth management life insurance, annuity insurance, travel safety insurance, death insurance, or a combination of any of the above two items; product insurance insurance may include : Fire insurance, earthquake insurance, cargo transportation insurance, hull insurance, automobile body loss insurance, third party liability insurance, general liability insurance, theft loss insurance, engineering insurance, product liability insurance, aviation insurance, other property insurance, or A combination of any two or more of the foregoing.

The processing module 103 is connected to the input / output module 101 and the database module 102, and is used to analyze the insurance demand, select the corresponding input insurance type, the insurance period and the premium amount (from the calculation result of the database module 102), and generate An underwriting policy for underwriting operations. How this underwriting policy works is detailed below.

The remote display module 104 is connected to the processing module 103, and is used to send the insurance sum and related information through the data transceiver module 101 and display it on a screen of the electronic communication device that issues insurance requirements. Therefore, the processing module 103 can further send a confirmation notification of insurance purchase to the electronic communication device through the remote display module 104; after receiving a confirmation signal, the electronic communication device responds to the confirmation purchase insurance notification to the server 100 A purchase notification is issued and received by the data transceiver module 101 and transmitted to the processing module 103. The message sent by the remote display module 104 is presented on the screen through mobile communication software (APP) or software package installed on the electronic communication device; in turn, the message sent from the electronic communication device to the server 100 is also transmitted through The mobile communication software or package is aggregated and issued. In some cases, the aforementioned mobile communication software or package software may use other software or applications as an entrance through an API interface, for example, access to its public pages through Facebook, Line, WeChat and other third-party software to present and send out relevant information.

The underwriting module 105 is connected to the processing module 103 and the database module 102, and is used to send the underwriting policy to the work computer of the underwriting staff for underwriting operations, or in accordance with the database module 102 in advance. There is an underwriting authorization clause that automatically performs underwriting operations.

It should be noted that any of the above types of insurance has corresponding information of at least one subject of insurance, which is used to adjust the sum insured or decide whether to accept insurance. In the case of accident insurance, under the same circumstances (the insurance period is the same as the premium), the worker's sum insured will be lower than the office staff (higher risk); in terms of life insurance, people with heart disease will have more insurance coverage than normal people. Low; in terms of vehicle third liability insurance, the older the vehicle, the lower the sum insured.

Regarding the operation mode of the system for designing insurance products using networked technologies and data disclosed in the present invention, please refer to FIGS. 2 to 7. FIG. 2 to FIG. 5 and FIG. 7 show the interface of the mobile application displayed on the smart phone 303 and its screen 303a. FIG. 6 is a schematic diagram of the internal data structure of the database module 102. It should be noted that FIGS. 2 to 5 and the description below are only one of the implementation manners of the present invention, and the present invention is not limited thereto; any equal design and operation manners are claimed by the present invention.

Before using this system, the aforementioned mobile application must be installed on the smart phone 303 and registered with the server 100. As shown in the left half of Figure 2, when you click "Register" on the screen, the interface of the mobile application changes to the state shown in the right half of Figure 2. The user (the owner of the smart phone 303) can set his own user code and password. The set user code and password will be uploaded to the server 100, so that the user can perform identity verification when using the system in the future. So as not to be misused. When the user ID and password are submitted, the interface of the mobile application will also require the user to upload the data for the person to be insured. The person to be insured is generally the user itself, or someone who has a specific relationship with the user. For example, the person to be insured is a father, and the owner of the smart phone 303 is his daughter. Need to buy insurance for father settings and operating systems. The name of the person to be insured, the ID number of the person to be insured, the address of the person to be insured, etc. As mentioned above, the information of the person to be insured is entered one by one with the text, picture, voice and animation guidance of the mobile application interface. When the "Send" button on the screen 303a is pressed, the user code, password and the data of the person to be protected are uploaded to the server 100 at the same time and stored in the database module 102. When the registration information has been uploaded, the user has obtained the right to use the system. The interface of the mobile application returns to the screen on the left in Figure 2. At this point, the user can enter his user ID and password to log in to the system.

Before purchasing insurance, the system will require the user to first establish the default insurance target data for the required insurance types and store it in the database module 102. The mobile application interface is as shown on the left of Figure 3. When "Enter related data" is selected, it enters the data creation mode. Because there are many types of insurance, the system can classify the types of insurance provided according to the major categories, personal and product insurance, and continue to classify them. For example, life insurance includes life insurance, medical insurance, disease insurance ..., product insurance includes fire insurance, car insurance, earthquake insurance ... The types of shelves are not limited by the drawings of the present invention. However, with the economic development and social progress, new types of insurance will be generated, and the system may release new types of insurance from time to time. In addition, each category of insurance may have more sub-categories. For example, car insurance includes theft insurance, car body insurance, third liability insurance, etc. The mobile application interface can continue to display its sub-categories when the relevant insurance is selected. Up to the most specific category. When a specific type of insurance with the most detailed classification is selected, as shown in Figure 3 on the left, medical insurance is selected, and the mobile application interface will enter the subject of insurance as shown on the right in Figure 3 (insured related information in this example) Input screen. At this time, the mobile application program interface will guide the user to enter the insured name, the insured ID number, the insured address, etc., and other written information related to the insurance type; written information related to underwriting, such as the insured The latest health check record can be uploaded as a file or image file. When the "Upload" button is pressed, all data is uploaded to the database module 102 and recorded in the file under the relevant insurance type. If any necessary data is missing or uploaded, the mobile app interface will alert you until all relevant information is available. However, if some data is found to be defective during the underwriting, such as transmitting the wrong file, the underwriting module 105 will request to upload or fill in the data through the mobile application interface. Of course, there can be different targets under the same insurance type. For example, medical insurance can be purchased for both parents. At this time, the system will divide into two files and record them under the relevant insurance types in the database module 102. The operation of other personal insurance is the same. The user only needs to set the insurance types that are needed.

Similarly, before purchasing product insurance, users also need to upload data to related insurance types. As shown in the left side of Figure 4, a product insurance, such as car insurance, is clicked, and the mobile application interface will enter the insurance target (the insured vehicle related information in this example) input screen as shown in the right side of Figure 4. At this time, the mobile application program interface will guide the user to enter the textual information such as the license plate number and the year of manufacture of the insured vehicle, and upload related documents or files such as the vehicle exterior photos and insurance information to the database module 102, and record them in the relevant insurance category. In the file below. The rest of the operation details are the same as those mentioned above, and will not be repeated here.

After the relevant information of the insurance type you want to purchase has been uploaded to the database module 102, the user can start to click on "Buy Insurance" to buy the required insurance according to his needs and payable amount. At this point, the mobile application interface becomes as shown on the left in Figure 5. When a certain type of insurance, such as accident insurance, is selected, the related insurance purchase content will be shown on the right side of Figure 5. As mentioned above, the insured person can be more than one individual, and the user can select the object he wants, such as selecting Ma Yun. Next, enter the premium. As mentioned above, the "predetermined premium amount" is the spirit of the present invention, so the premium can be in the smallest unit amount, such as NT $ 1 as the starting premium amount. The required premium amount can be directly entered on the mobile application interface, or the desired premium can be entered through the adjustment tool, such as the "+" and "-" buttons or similar digital adjustment levers shown in the figure. Next, enter the insurance period. Because the insurance period can be continuous or discontinuous, the input method is slightly different. If it is a continuous period, just enter a set of starting and ending dates directly; if it is a non-continuous period, two or more periods can be separated by a symbol, such as a semicolon. The above is an example of manual input. In practice, it can also be directly clicked through the calendar system to input the date, which is not limited in the present invention.

When all the information is entered into the mobile application interface, click the "Upload" button, including the insurance requirements of the insurance type, the insured, the insurance period and the premium, and then transfer it from the smartphone 303 to the server via the network 200 The data transceiver module 101 of 100 is processed by the processing module 103 in cooperation with the database module 102. As described above, the database module 102 stores the combination of the insurance period and the sum insured corresponding to the different premiums of each insurance type. Regarding this combination, its database structure can be illustrated in FIG. 6. It can be seen from Figure 6 that accident insurance is based on the degree of danger of the type of work (determined by the insured's work data) to divide the sum insured, and even to deny the insurance (any insurance type has corresponding at least one insurance subject data for Adjust the sum assured or decide whether to accept insurance). For example, if Ma Yun's job belongs to a safer class, she will insure for 1 yuan a day for 300 yuan and two days for 258 yuan. Each insured day has its corresponding sum insured. If the amount increases, the amount of insurance will increase by the same amount. For example, the insurance amount of 2 yuan for one day is 600 yuan, the two days is 516 yuan, and so on. After receiving the insurance demand, the processing module 103 analyzes the insurance demand and finds the insurance amount corresponding to the input type of insurance, insurance period and premium in the database module 102. At this time, the insurance was not established, so an underwriting policy for underwriting operations was generated. The underwriting policy can be sent to the work computer of the underwriting staff for underwriting operations. If the system has a preset underwriting authorization clause or performs underwriting operations in accordance with artificial intelligence, the system can also automatically underwrite operations. After the underwriting, the processing module 103 receives the underwriting notification, and further sends a confirmation notification to the smart phone 303 to purchase the insurance through the remote display module 101. Confirm that the purchase insurance notification content is also presented through the mobile application interface, as shown in Figure 7. Among them, the policy number is automatically generated by the processing module 103; and because the payment method of the premium has been set along with the insurer's information upload, the system can automatically deduct after the contract is confirmed to reduce the user's trouble of making another payment. Of course, in practice, a third-party payment method or an ATM remittance notification without a credit card (or withholding account) is also possible, and the present invention is not limited thereto. When the user confirms that all the contents of the confirmation of purchase insurance are correct, he can press the "confirm" button, and the smart phone 303 has received a confirmation signal from the user. At this time, the smart phone 303 responds to the confirmation of the purchase insurance notification, sends a purchase notification to the server 100, and transmits the purchase notification to the processing module 103 after receiving by the data transceiver module 101, and the policy takes effect. If you press the "Abandon" button, this form of insurance will be cancelled. The same applies to other types of insurance. It should be noted that an insurance policy that is already in effect can increase the premium and the corresponding insurance period at any time in accordance with the spirit of the present invention. In this way, the insured can be strengthened at any time according to demand without having to repeatedly modify the policy. In the above example, insurance takes effect in days. According to the spirit of the present invention, according to different premium-insurance designs, the effective time of insurance can be shortened to "minutes" and "seconds". This is very suitable for temporary insurance. For example, when you go abroad to take a local private transfer car to take out accident insurance, you can get on and off as the insurance takes effect and expires. Unlimited insurance.

The system disclosed in the present invention for designing insurance products using networked technology and data, wherein the minimum premium can be set. To understand this, please refer to Figure 8 and Figure 9. Take car insurance as an example. When you have selected the car to be insured (there are two cars in this example, the years are different), set the premium and the insurance period, and then press the "Upload" button, the system will start to calculate the insurance amount and underwrite the operation . Different from the previous example, the related data structure in the database module 102 is different. As shown in Figure 9, the data of the insurance object used by the car insurance to adjust the insurance amount or decide whether to accept the insurance is the year of the vehicle, and its premium has a basic limit (100 yuan). In other words, when a ten-year-old car with a license plate number of 1298-QC is required to insure auto insurance, the basic insurance premium is 100 yuan a month, and the insurance coverage is 3578 yuan; if the insurance period is three months, the premium is 150 yuan, the insurance coverage will be 4482 yuan (2982 yuan + 30 yuan x 50). In this example, insurance takes effect on a monthly basis. As mentioned above, car insurance can also be insured on a daily basis, or even on an hourly basis. This approach is suitable for temporary automobile insurance, such as taxi insurance.

From the above description, the system for designing insurance products using networked technology and data of the present invention has the following characteristics: customers can search for insurance products according to their own protection needs, check their current payment capabilities, confirm the coverage and insurance period , And finally decide whether or not to insure; in the future, you can add insurance, activate, and activate protection at any time according to your own ability, so as to achieve the goals of "account-type insurance", "on-demand insurance", "experience insurance" and "fragmentation insurance" .

Although the present invention has been disclosed as above in the embodiments, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some modifications and retouching without departing from the spirit and scope of the present invention. The protection scope of the present invention shall be determined by the scope of the attached patent application.

100‧‧‧Server

101‧‧‧Data transceiver module

102‧‧‧Database Module

103‧‧‧Processing Module

104‧‧‧Remote display module

105‧‧‧ Underwriting Module

200‧‧‧Internet

301‧‧‧ desktop computer

302‧‧‧lithographic computer

303‧‧‧Smartphone

303a‧‧‧Screen

304‧‧‧personal digital assistant

FIG. 1 shows a block diagram of a system for designing insurance products using networked technology and data according to the present invention; FIGS. 2 to 5 show an interface of a smart phone and a mobile application displayed on the screen; FIG. 6 It is a schematic diagram of the internal data structure of a database module; FIG. 7 and FIG. 8 illustrate another interface of a smart phone and a mobile application displayed on the screen; FIG. 9 is another schematic diagram of the internal data structure of the database module.

Claims (15)

A system for designing insurance products using networked technology and data is set up in a server and can be connected to a plurality of electronic communication devices via the network. The system is characterized in that the system includes: a data transceiver module for transmitting data to these The electronic communication device sends a message and receives an insurance demand from any electronic communication device, wherein the insurance demand includes the insurance type, insurance period and premium; a database module for storing insurance periods and insurance corresponding to different insurance premiums of each insurance type The combination of the amount, as well as the data of the default insurance subject and the person to be insured corresponding to the insurance demand; a processing module connected to the input and output module and the database module to analyze the insurance demand and select the corresponding input insurance type 2, the insurance period and the premium amount, and generate a nuclear insurance policy for underwriting operations; and a remote display module, connected to the processing module, for the insurance amount and related information, through the data transceiver module Issued by the group and should be displayed on a screen of the electronic communication device that issues insurance requirements; any insurance type has at least one corresponding insurance Data subject to adjustments decide whether to accept the sum insured or the insured. The system for designing insurance products using networked technology and data as described in item 1 of the scope of the patent application, wherein the processing module further issues a confirmation notification to purchase insurance to the electronic communication device through the remote display module; After receiving a confirmation signal, the electronic communication device responds to the confirmation of the purchase insurance notification, sends a purchase notification to the server, and receives the data transmission module and transmits it to the processing module. The system for designing insurance products using networked technology and data as described in item 2 of the scope of the patent application, wherein the message sent by the remote display module is via mobile communication software (APP) installed on the electronic communication device or The software package is presented on the screen; messages sent from the electronic communication device to the server are also sent out through the mobile communication software or package software. The system for designing insurance products using networked technology and data as described in item 2 of the scope of the patent application, wherein the data transceiver module, the database module, the processing module and the remote display module are installed in Application software on the server or a circuit board module installed on the server. The system for designing insurance products using networked technology and data as described in item 1 of the scope of patent application, wherein the electronic communication device is a smart phone, tablet computer, notebook computer, desktop computer, personal digital assistant or other Electronic equipment with network function. The system for designing insurance products using networked technologies and data as described in item 1 of the scope of the patent application, wherein the information of the subject of insurance includes information of the subject of personal insurance and / or information of the subject of product insurance. As described in item 6 of the scope of the patent application, the system for designing insurance products using networked technology and data, where the personal insurance subject information includes: the name of the insured, the name of the insured ID, the address of the insured, and the insured Contact information, work information of the insured, health records of the insured, relationship between the insured and beneficiaries, beneficiary name, beneficiary identification number, beneficiary address, beneficiary contact information, beneficiary work information, or the foregoing Any combination of two or more items. The system for designing insurance products using networked technology and data as described in item 6 of the scope of patent application, where the product insurance subject information includes: the name of the insured object, the serial number of the insured object, the location of the insured object, and a photo of the insured object And / or video files, production time of the insured object, useful life of the insured object, present value of the insured object, beneficiary name or beneficiary unit name, beneficiary identification number or uniform number of beneficiary unit, beneficiary or beneficiary unit address, Contact information of the beneficiary or beneficiary unit, or a combination of any of the above two items. As described in item 1 of the scope of the patent application, the system for designing insurance products using networked technology and data, where the information of the insured includes: the name of the insured, the ID number of the insured, the address of the insured, and the insured Contact information, remittance account or credit card information, or a combination of any of the above two items. The system for designing insurance products using networked technologies and data as described in item 1 of the scope of the patent application, wherein the type of insurance includes life insurance and / or product insurance. The system for designing insurance products using networked technology and data as described in item 10 of the scope of patent application, where the personal insurance types include: life insurance, medical insurance, disease insurance, accident insurance, wealth management life insurance, annuity insurance, travel safety Insurance, death insurance, or a combination of any two or more of the foregoing. The system for designing insurance products using networked technology and data as described in item 10 of the scope of patent application, where the product insurance types include: fire insurance, earthquake insurance, cargo transportation insurance, hull insurance, automobile body loss insurance, and Three-person liability insurance, general liability insurance, theft loss insurance, engineering insurance, product liability insurance, aviation insurance, other property insurance, or a combination of any two or more of the foregoing. The system for designing insurance products using networked technologies and data as described in the first patent application scope, wherein the insurance period is a continuous period or a discontinuous period. The system for designing insurance products using networked technology and data as described in item 1 of the scope of patent application, where the premium has a minimum amount limit. As described in item 1 of the scope of the patent application, the system for designing insurance products using networked technology and data further includes an underwriting module, which is connected to the processing module and database module to send the underwriting policy To the underwriting staff's working computer for underwriting operations, or to automatically underwrite operations in accordance with an underwriting authorization clause preset by the database module.