TW201928845A - System utilizing internet-of-things device and data thereof for providing insurance products - Google Patents

Abstract

A system utilizing internet-of-things (IOT) device and data thereof for providing insurance products is disclosed. The system uses a plurality of IOT devices and a managing server. The system utilizes a first data sent to the managing server to judge a scene condition of where the IOT device is, further providing suitable insurance product to the user of the system. IOT insurances and selective insurances can be available. Requirements of/3.0 IOT Insurance/ can be fulfilled.

Description

System for providing insurance products using IoT architecture and data

The invention relates to a system for providing insurance products, in particular to a system for providing insurance products by utilizing the Internet of Things architecture and data.

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. Therefore, the insurance industry is moving towards the world of "3.0 Internet of Things Financial Insurance": integrating new technologies such as the Internet of Things, big data, artificial intelligence, blockchain, and wearable devices to provide new forms of insurance, such as the Internet of Things Insurance and on-demand insurance.

In the aforementioned "3.0 Internet of Things Financial Insurance", the new form of insurance products with IoT equipment and database data analysis will be the first one people encounter. Wearable devices in IoT devices, such as mobile devices or sports bracelets, can send the first data about the environment or the user to a specific server without people's knowledge. Perform numerical calculations (or big data analysis) for the user, and provide the user with some substantial feedback information. For example, an obvious example is to collect data on the user's location and heart rate changes, connect to the Meteorological Bureau through a remote server, and analyze the user's current health status and provide health care based on the weather conditions of the user's location. Suggest. At present, most of the application levels of IoT devices with database data are still the same as the previous examples, and they stop at the collection of human experience or related information. The application of finance or insurance is just like that.

Therefore, under the innovative concept of "3.0 Internet of Things Financial Insurance", from the design of insurance products to marketing and after-sales service, it is necessary to rely on IoT devices to collect information and optimize it through database data analysis. Therefore, the present inventor upholds many years of experience in the insurance industry and research on related technologies of the Internet of Things equipment, and proposes a system for providing insurance products using the Internet of Things architecture and data. In addition to meeting the above requirements, we also hope to accelerate the evolution of Taiwan's insurance industry and reach the era of the true "Internet of Things Financial Insurance 3.0", and propose new forms of insurance products such as the Internet of Things insurance to keep pace with the times.

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 use the Internet of Things equipment to monitor the subject of insurance, and then propose an appropriate insurance combination to the insured, the present invention proposes a system for providing insurance products using the Internet of Things architecture and data. The system includes a management server, which is connected to the plurality of IoT devices and the plurality of electronic communication devices through a network, wherein each IoT device is used to obtain a first data, and the first data is directly or indirectly passed through Network transmission; each IoT device corresponds to an electronic communication device, and the management server includes: a data transceiver module for receiving the first data and information transmission with the plurality of electronic communication devices; a database A module for storing an insurance content of an insurance, an insurance reminder corresponding to the insurance, a second data corresponding to the insurance reminder, and information of a preset insurance subject corresponding to the insurance content and information of the insured; A module connected to the data transceiver module and the database module to analyze the first data, and issue the insurance reminder when the first data is the same as the second data or falls within the range of the second data To the electronic communication device corresponding to the IoT device that sent the first data, and after receiving a confirmation notification from one of the plurality of electronic communication devices, The insurance content is transmitted back to the aforementioned electronic communication device; and a remote display module is connected to the processing module for sending the insurance reminder and the insurance content through the data transceiver module and displaying it when receiving the insurance reminder and The insurance content on a screen of the electronic communication device.

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

Preferably, the processing module and the remote display module may be application software installed on the server or a circuit board module installed on the server.

Preferably, the electronic communication device is 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 IoT device is a smart phone, a smart bracelet, a network monitor, a network microphone, a chemical substance monitor, a blood pressure detection module, a heartbeat detection module, a human characteristic detection module, a temperature Detection module, pressure detection module, barometric pressure detection module, GPS module, infrared detection module, speed detection module, wireless communication module, earthquake detection module, humidity detection module, Power detection module, or acceleration calculation module.

Preferably, the first data and the second data are both video, image, text, sound, value, or a combination of at least two of the foregoing items.

Preferably, the insurance content includes the content of the insurance contract, the insurance period, the premium and the sum insured.

Preferably, the information of the subject-matter insured is information about a personal risk subject and / or a product-risk subject.

Preferably, the personal insurance subject information includes: 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 record of the insured, the insured and the benefits Person 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 includes: the name of the insured object, the serial number of the insured object, the location of the insured object, the photo and / or video file of the insured object, the production time of the insured object, the life of the insured object, and the insured object. Present value, name of beneficiary or name of 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 a combination of any of the above two items.

Preferably, the insured person information includes the insured person's name, the insured person's ID number, the insured person's address, the insured person's contact information, remittance account or credit card information, or a combination of any of the above two items.

Preferably, the insurance is life insurance and / or product insurance.

Preferably, the life insurance includes 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 includes: 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.

It can be known from the above structure that the system can use the first data transmitted by the IoT device to the management server to determine the scene conditions to which the IoT device belongs, and then provide appropriate insurance to the system user. In this way, IoT insurance and on-demand insurance can be constructed to meet the needs of the era of "3.0 IoT Financial 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 providing insurance products using an IoT architecture and data according to the present invention. The system includes several IoT devices and a management server 100. The so-called IoT devices here include various objects that can perform independent functions and can be connected in series in information carriers such as the Internet and traditional telecommunications networks. Equipment that is as large as humans cannot carry, such as chemical substance monitors, and as small as various electronic detection components, such as blood pressure detection modules, heartbeat detection modules, human characteristics detection modules, temperature detection modules, pressure detection Measurement module, barometric pressure detection module, GPS module, infrared detection module, speed detection module, wireless communication module, earthquake detection module, humidity detection module, power detection module, or Acceleration calculation modules, as well as smart phones, smart bracelets, network monitors, network microphones, etc. that are commonly used in daily life. As long as the objects (usually electronic products) satisfying the foregoing definitions are all the IoT devices claimed by the present invention, the difference is only in the application scenarios.

Each of these IoT devices can be used to obtain a first data and send the first data directly or indirectly via the network 200. Taking the IoT device listed above as an example, if the IoT device is a chemical substance monitor, the first data may be the monitoring content of a certain chemical substance; if the IoT device is a blood pressure detection module, the first data may be blood pressure Value; if the IoT device is a heartbeat detection module, the first data can be the number of heartbeats or the heartbeat frequency; if the IoT device is a human feature detection module, the first data can be a fingerprint, an iris or a face image; if The IoT device is a temperature detection module, and the first data may be a temperature value; if the IoT device is a pressure detection module, the first data may be a tire pressure value; if the IoT device is a pressure detection module, the first data may be A piece of data can be a barometric pressure value; if the IoT device is a GPS module, the first data can be the location coordinates of a certain place; if the IoT device is an infrared detection module, the first data can be a detected image; The device is a speed detection module, and the first data may be a speed value; if the IoT device is a wireless communication module, the first data may be a communication content; if the IoT device is a seismic detection module, the first data The material can be seismic and epicenter data; if the IoT device is a humidity detection module, the first data can be a humidity value; if the IoT device is a power detection module, the first data can be a voltage value or a current value; if The IoT device is an acceleration calculation module, and the first data may be an acceleration value. If the IoT device is a smart phone or a smart bracelet, the first data may be an execution result or a value of any built-in function. The networked device is a network monitor, and the first data may be a surveillance image or image; if the IoT device is a network microphone, the first data may be sound. That is, the first data may be an image, an image, a text, a sound, a value, or a combination of at least two of the foregoing items. The network 200 mentioned here can be a local area network, a wide area network, or the Internet.

The management server 100 can be connected to a number of IoT devices and a number of electronic communication devices through the network 200. The connected electronic communication device may include, but is not limited to, a smartphone, a tablet computer, a notebook computer, a desktop computer, a personal digital assistant, or other network-enabled electronic devices. Server 100, network and 200, electronic communication devices (such as desktop computer 301, tablet computer 302, personal digital assistant 303, and smart phone 304), and IoT devices (for the convenience of illustration below, Figure 1 A network monitor 401, a temperature detection module 402, and a smart bracelet 403 are shown to form the application environment of the system. An important feature of the present invention is that each of the aforementioned IoT devices corresponds to an electronic communication device, and by analyzing the first data sent by the IoT device, the insurance-related information that needs to be provided to the insured person is presented in the corresponding electronic communication. Device. For example, the network monitor 401 corresponds to the desktop computer 301, the temperature detection module 402 corresponds to the tablet computer 302, and the smart bracelet 403 corresponds to the personal digital assistant 303. It should be noted that some electronic devices can be both IoT devices and electronic communication devices, such as smart phones 304. The smart phone 304 can be used to locate the position coordinates of the operator, and can also receive related insurance information.

The management server 100 includes a data transceiver module 101, a database module 102, a processing module 103, and a remote display module 104. Except for the data transceiver module 101 and the database module 102, the remaining modules may be application software installed on the server 100, or circuit board modules installed on the server 100 in software or hardware. Provide corresponding execution functions. Where appropriate, these modules may also be implemented partly in software and partly in hardware. The functions of each module are described below.

The data transceiver module 101 is configured to receive the first data and perform information transmission with the aforementioned electronic communication devices. The database module 102 is used to store an insurance content of an insurance, an insurance reminder corresponding to the insurance, a second data corresponding to the insurance reminder, a preset insurance subject information corresponding to the insurance content, and an insured person information. . The insurance referred to in the present invention may be life insurance or product insurance, or both in the same system. The insurance content is all the specific content about insurance, including the content of the insurance contract, the insurance period, the premium and the sum insured, which are set in advance according to different scene conditions. Scenario conditions refer to the specific space-time environment in which the insured person will purchase insurance. For example, when the customer of the system (the person insured in the future insurance contract) takes the flight abroad tolerance and arrives at the intended place, he will want to purchase travel safety insurance. "When taking the flight abroad tolerance, arrives at the intended place" is a scenario condition. . For example, if someone's car is parked in a parking lot with a high rate of car theft, he would like to buy car theft insurance for a short period of time. Insurance reminders are one of the features of this case. Different from general insurance invitations, the insurance salesperson proposes several types of insurance combinations to the possible insurance outbreaks of the insured in the future, and then signs the contract. Because this system uses the Internet of Things architecture and data to provide insurance products, when the customer of the system uses the insurance reminder, he may be only in a certain scenario and is not ready for insurance. If the insurance reminder content is a decisive suggestion of specific insurance content and an invitation is made, the customer may have an aversion to the insurance and does not want to buy insurance in accordance with the system's recommendations. Therefore, the content of the insurance reminder is only a reminder about the conditions of the scene. After the customer understands that he is at risk, he will inform the customer of the complete content when he wants to know more information. Take the above two examples, when the customer arrives at the intended place, his smartphone will receive a text message (insurance reminder) with the content: "OO customer, you have arrived in Cambodia, the travel risk in this place is high, you do Well, is the travel risk management arranged? ". When the person drove the car into the parking lot with a high rate of theft of the car, a resident mobile application (APP) on his car control computer issued a warning "Mr. XX, according to the Police Department, five points The rate of car theft in the parking lot is quite high. If you want to stay for more than a week, you can consider our company's temporary car insurance. "

The second data is a limited range or a critical value of the first data set for scene conditions. That is, the second data and the first data may be the same image, image, text, sound, value, or a combination of at least two of the foregoing items, but they are the upper limit, lower limit, or area range of the first data. For example, if the first data is the monitoring content of a certain type of CO ₂ , the second data may be the limiting maximum content of CO ₂ ; if the first data is a blood pressure value, the second data may be hypertension 155 mm / Hg; One data is the number of heartbeats or the heartbeat frequency. The second data can be read 60 times or 72 times per second. If the first data is fingerprint, iris or human face image, the second data can be specific fingerprint image, iris image or Human face photo; if the first data can be the temperature value, the second data can be the highest temperature of 37C or the optimal temperature of 20 ~ 25C; if the first data is the tire pressure value, the second data can be the working tire pressure of 32psi; The first data is the air pressure value, and the second data can be the 800hPa limit air pressure value. If the first data is the position coordinates of a certain place, the second data can be the position coordinates of all the areas contained within the connection of the three position coordinates; The first data is a detection image, and the second data may be an image of the same object; if the first data is a speed value, the second data may be a minimum speed limit of 60km / h; if the first data is a communication content, the second data Can be Attributive words; if the first data is seismic intensity and epicenter data, the second data can be Grade 6 and Taichung City; if the first data can be humidity values, the second data can be 30% to 80% of suitable humidity; if the first data is Is the voltage or current value, the second data can be 1.5V / 0.5A; if the first data is the acceleration value, the second data can be the maximum limited acceleration 9G; if the first data can be in the smart phone or smart bracelet The execution result or value of any of the built functions. The second data can be a specific form of these results or a limited range of values. If the first data is a surveillance image or image, the second data can be a pre-stored contrast image or image. ; If the first data is sound, the second data may be bat barking in a specific audio range. The second data may be permanently stored in the database module 102 after being set, or may be dynamically updated data, for example, a network is connected to the Meteorological Bureau to dynamically update the temperature of a place to determine whether the tourist is suitable for getting off the car.

The data of the insurance subject can be the data of the personal insurance subject and / or the data of the product insurance subject, 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. Because the present invention uses the Internet of Things architecture and data to provide insurance products, the insurance subject must be specified, and only the data proposed by the Internet of Things architecture can be applied. In addition, the information of the person to be insured corresponds to the subject matter of the insurance, including 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, the contact information of the person to be insured, the remittance account or credit card information, or any of the above two items combination. The insured person can be a user of the system or a third party outside the system. For example, children can use this system to dynamically insure special accident insurance for parents traveling abroad.

As mentioned above, the data of the subject matter of insurance may include information of the subject matter of life insurance and / or the subject matter of the product insurance, and the types of insurance in the subject matter of insurance may also include personal insurance and / or product insurance. Further, 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; 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 data transceiver module 101 and the database module 102 to analyze the first data. When the first data is the same as the second data or falls within the range of the second data, the processing module 103 sends an insurance reminder to the electronic communication device corresponding to the IoT device that sent the first data, such as receiving a smart hand The heartbeat number (first data) of the ring 403 exceeds the maximum heartbeat number (second data) set in the database module 102, and an insurance reminder is sent to the personal digital assistant 303 corresponding to the smartband 403. In addition, the processing module 103 may return the insurance content to the aforementioned electronic communication device after receiving a confirmation notification from one of the several electronic communication devices. After the insurance content is transmitted to the electronic communication device, the system user is equivalent to receiving an insurance invitation and can decide whether to purchase the insurance suggested by the system.

The remote display module 104 is connected to the processing module 103, and is used to send the insurance reminder and insurance content through the data transceiver module 101, and the display is on a screen of an electronic communication device that receives the insurance reminder and the insurance content. . The message sent by the remote display module 104 is presented on the screen through a mobile communication software (APP) or a software package installed on the electronic communication device; in turn, the message sent from the electronic communication device to the server 100 also passes through the Consolidated and sent by mobile communications software or packages.

The following examples illustrate various operation examples of the system for providing insurance products by utilizing the IoT architecture and data disclosed in the present invention. Please see Figure 1. Take travel safety insurance as an example. When a system user goes abroad with a smart phone 304, the smart phone 304 detects the new coordinates (first data) of the destination and sends the coordinates to the management via the network 200. In the server 100, a data transceiver module 101 that has been connected to the smart phone 304. The data transceiver module 101 transmits the new coordinates to the processing module 103. The processing module 103 finds that the new coordinates are not in the Taiwan area (second data). At this time, it sends the preset travel safety insurance insurance reminder in the database module 102 to the smartphone 304, and displays its interface on the APP via On the screen 304a (see the left side of Fig. 2). After receiving the reminder, the user realized that he should purchase travel safety insurance, so he followed the guidance of the APP interface, responded to the confirmation notification and accepted the insurance content (see the right side of Figure 2), and purchased insurance.

In this example, the subject of insurance (the insured) and the insured are both the user. The relevant information (including the Internet of Things equipment and electronic communication devices) has been set at the same time as the registration system. The management server 100 need only It can communicate with the smart phone 304 and monitor and receive the change of the first data. It should be noted that the content of the insurance reminder is not only the text preset by the database module 102, but also temporary temporary acquisition (such as connecting to the meteorological data obtained by the Bulgarian Meteorological Agency).

According to the spirit of the present invention, the user need not be the insured and the insured at the same time, and the IoT device and the electronic communication device need not be the same. Take accident insurance as an example. The scene is a son taking care of a mother living alone in a distant home. He wore a smart bracelet 403 for his mother to check his mother's blood pressure at any time. Corresponding to the smart bracelet 403 is his personal digital assistant 303. Therefore, the remote display module 104 sends the insurance reminder and insurance content through the data transceiver module 101 and displays it on the electronic communication device of the personal digital assistant 303. On screen. If his mother's blood pressure value (the first data) exceeds the alert value of 150mm / Hg for more than an hour (the second data), the insurance reminder will inform the user of his mother's current situation; in addition to suggesting that he call the mother to ask him about his health , Will also provide the nearest hospital contact information, and seek medical assistance if necessary. Finally, he will be advised whether to buy accident insurance for his mother. Since the system monitors the blood pressure of the mother of the user at all times, these data can further become the basis for the insurance content.

The foregoing example is personal insurance, and the present invention can also be applied to product insurance. Let's use theft insurance to explain that if the applied IoT device is a network monitor 401, the corresponding device is a desktop computer 301. The network monitor 401 is used to monitor the crowd situation (first data) in and out of a house, and upload the image to the management server 100 via the network 200 in real time. The second data in the database module 102 is a recorded video of the normal flow of people in the house. The processing module 103 can compare the flow of people in the image with the flow of people in the recorded film. If the flow of people increases significantly over a period of time and the probability of theft increases, the processing module 103 will issue an insurance reminder to the desktop computer 301 to remind the user to purchase theft insurance. After the user confirms the purchase of theft insurance (after receiving the confirmation notification from the desktop computer 301), the processing module 103 returns the insurance content to the desktop computer 301, so that the user can carry out the theft insurance purchase process.

The IoT device used in the above example is an independent device, but in accordance with the spirit of the present invention, the IoT device can also be an electronic module with a specific function. The communication between the IoT device and the management server 100 also needs to be embedded in the host. . An example is the smart air conditioner (not shown) installed on the temperature detection module 402 (also a smoke detector) corresponding to the user's tablet computer 302. The temperature detection module 402 continuously monitors the The temperature (first data) is transmitted back to the management server 100. The second data in the database module 102 is a long-term average alert temperature. If the processing module 103 finds that the average receiving temperature value exceeds the long-term average alert temperature for a period of time, indicating that the probability of a fire alarm in the room where the smart air conditioner is located increases greatly, the processing module 103 can issue an insurance reminder with a warning notification It is recommended that users with lithographic computer 302 purchase fire insurance. It is worth mentioning that in the above examples, pre-insurance invitations and post-insurance services can be set and provided through related equipment and data collected by those equipments.

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 changes and retouch 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‧‧‧ Management Server

101‧‧‧Data transceiver module

102‧‧‧Database Module

103‧‧‧Processing Module

104‧‧‧Remote display module

200‧‧‧Internet

301‧‧‧ desktop computer

302‧‧‧lithographic computer

303‧‧‧personal digital assistant

304‧‧‧Smartphone

304a‧‧‧Screen

401‧‧‧Network Monitor

402‧‧‧Temperature Detection Module

403‧‧‧Smart Bracelet

FIG. 1 illustrates a block diagram of a system for providing insurance products using an IoT architecture and data according to the present invention; FIG. 2 illustrates an interface of a smart phone and a mobile application displayed on a screen thereof.

Claims (14)

A system for providing an insurance product by using an IoT architecture and data. The system includes a management server, and is connected to the plurality of IoT devices and the plurality of electronic communication devices through a network. Each of the IoT devices is used to obtain a first A piece of data, and sends the first data directly or indirectly through the network; each IoT device corresponds to an electronic communication device, and the management server includes: a data transceiver module for receiving the first data, and The plurality of electronic communication devices perform information transmission; a database module for storing an insurance content of an insurance, an insurance reminder corresponding to the insurance, a second data corresponding to the insurance reminder, and an information corresponding to the insurance content Preset the data of the insurance subject and the data of the insured; a processing module connected to the data transceiver module and the database module to analyze the first data, when the first data is the same as or the second data When the second data is within the range, issue the insurance reminder to the electronic communication device corresponding to the IoT device that sent the first data, and upon receiving the After a confirmation notification from one of the several electronic communication devices, the insurance content is transmitted back to the aforementioned electronic communication device; and a remote display module is connected to the processing module for connecting the insurance reminder to the insurance content , Sent through the data transceiver module and displayed on a screen of the electronic communication device receiving the insurance reminder and the insurance content. The system for providing insurance products by using the IoT architecture and data as described in the first patent application scope, wherein the message sent by the remote display module is through a mobile communication software (APP) or a package installed on the electronic communication device. The software is presented on the screen; messages sent by the electronic communication device to the server are also sent out through the mobile communication software or package software. The system for providing an insurance product using the Internet of Things structure and data as described in the first patent application scope, wherein the processing module and the remote display module are application software installed on the server or installed on the server Board module on the device. The system for providing insurance products using the IoT architecture and data as described in the first patent application scope, wherein the electronic communication device is a smart phone, tablet computer, notebook computer, desktop computer, personal digital assistant or other device. Network-capable electronic equipment. The system for providing insurance products using the IoT architecture and data as described in the first patent application scope, wherein the IoT device is a smart phone, a smart bracelet, a network monitor, a network microphone, a chemical substance monitor, Blood pressure detection module, heartbeat detection module, human characteristics detection module, temperature detection module, pressure detection module, barometric pressure detection module, GPS module, infrared detection module, speed detection Module, wireless communication module, earthquake detection module, humidity detection module, power detection module, or acceleration calculation module. The system for providing insurance products by using the IoT architecture and data as described in the first scope of the patent application, wherein the first data and the second data are both images, images, text, sounds, values, or at least two of the foregoing items. combination. The system for providing insurance products using the Internet of Things architecture and data as described in item 1 of the scope of patent application, wherein the insurance content includes insurance contract content, insurance period, premium and sum insured. The system for providing insurance products using the Internet of Things structure and data as described in item 1 of the scope of the patent application, wherein the information of the insurance subject is the information of the personal insurance subject and / or the product insurance subject. As described in item 8 of the scope of the patent application, the system for providing insurance products using the Internet of Things structure and data, wherein the personal insurance subject information includes: the name of the insured, the insured ID number, the address of the insured, and the contact of the insured Method, working 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 any of the foregoing A combination of two or more items. The system for providing insurance products using the Internet of Things structure and data as described in item 8 of the scope of the patent application, wherein the product insurance subject information includes: the name of the insured object, the number of the insured object, the location of the insured object, the photo of the insured object, and / Or video file, production time of the insured object, life of the insured object, present value of the insured object, beneficiary name or beneficiary unit name, beneficiary ID number or beneficiary unit number, beneficiary or beneficiary unit address, benefit Contact person or beneficiary unit, or a combination of any two or more of the above. The system for providing insurance products using the IoT architecture and data as described in item 1 of the scope of the patent application, where the insured person information includes the insured person's name, the insured person's ID number, the insured person's address, and the insured person's contact Method, remittance account or credit card information, or a combination of any of the above two items. The system for providing an insurance product using the IoT architecture and data as described in item 1 of the scope of patent application, wherein the insurance is life insurance and / or product insurance. The system for providing insurance products using the Internet of Things architecture and data as described in item 12 of the scope of patent application, where the personal insurance includes: life insurance, medical insurance, illness 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 providing insurance products using the IoT architecture and data as described in item 12 of the scope of patent application, wherein the product insurance includes: fire insurance, earthquake insurance, cargo transportation insurance, hull insurance, automobile body loss insurance, third Personal liability insurance, general liability insurance, theft loss insurance, engineering insurance, product liability insurance, aviation insurance, other property insurance, or a combination of any of the above two items.