TW202301220A - Automatic service management system and method for auto insurance including suggesting an appropriate insurance plan - Google Patents

Abstract

An automatic service management system and a method for auto insurance are disclosed. A user logs in through an interface. A verification unit automatically connects to the customs for data verification and automatically filling out car registration information. A type unit automatically recommends an appropriate car insurance plan based on historical insurance plans of the user, risk preferences, driving behaviors and other factors. Information required for the car insurance plan is then automatically provided and filled out. After confirming that the information of the car insurance plan is correct, a user can log in a payment unit to pay online. After the payment is completed, the user can download a copy of information of the car insurance plan or directly upload it to a personal cloud database. A return unit will automatically return the information to the customs and the system for the user to download from a backend of the system.

Description

Automatic service management system and method for auto insurance

The present invention is an auto insurance service management system and its application method, especially a system that can apply for auto insurance through a software application platform interface, and provide information on insurance or road rescue in real time.

For the time being, there are more and more cyclists and car drivers in today's society, which makes the roads often crowded with traffic, and accidents such as collisions between cars and cars, locomotives and locomotives, or car and locomotives. It is unavoidable, but generally, regarding the insurance of automobiles and motorcycles, drivers usually contact the insurance company themselves, or purchase insurance through the business of the insurance company, and the insurance types of each insurance company are different. , the amount of insurance, the amount of claims, etc., each insurance company has its own advantages and disadvantages. Driving users usually do not spend time comparing the types of insurance that suit them one by one, or they simply cannot know which type of insurance is suitable for them. Therefore, often There is a problem that the type of insurance purchased is not the same as the car insurance you expected.

Furthermore, each insurance company has its own online insurance application software or page. Although users can go online to apply for insurance directly, since each insurance application page is different, applicable users need to adapt to the pages of each insurance company. In addition to the form, it is time-consuming to fill in all the information one by one. If you do not pay attention to the mistake, the subsequent modification procedure is quite cumbersome, so it is not convenient in the use process.

It can be seen that the above-mentioned customary method still has many deficiencies, and it is not a good designer, and needs to be improved urgently.

In view of this, the main purpose of the present invention is to use an integrated automation system to gather the vehicle registration information of the supervision office and the insurance types of various insurance companies, and provide users with a single channel to automatically collect the user's vehicle information through the system. It can also provide users with suitable insurance plans based on membership information, insurance types over the years, user risk preference, and driving behavior, and solve user problems in real time by e-mail, smart reply, or real-person online reply according to the time period, and use Click a quick button in the auto insurance interface to connect to the window of the cooperative insurer through the Internet immediately, and immediately handle the assistance service of the traffic accident after the event, so as to effectively solve the problems of unclear information when applying for insurance and paying for insurance.

An automatic service management system for auto insurance, which includes a main execution module, which includes a login unit, including registered user information and setting car registration data, and is used to log into an auto insurance interface; a verification unit is based on the login unit. The user information is automatically linked to the customs and trade unit for data verification, and the information required for other car registrations is automatically brought in and displayed on the car insurance interface; a category unit is based on the user's historical insurance type, user risk Preferences and driving behaviors automatically bring up the type of auto insurance suitable for the user, and at the same time suggest the type of auto insurance that is suitable for the user to purchase, or provide the type of auto insurance that the user needs for the first time; an information unit is According to the type of car insurance selected by the user, the data content of the car insurance and the user's driving preferences are automatically brought out, and the data content is automatically displayed using the user's car registration information recorded in the verification unit. Completed and presented in the auto insurance interface; a confirmation unit, which is confirmed by the user in the data content of the auto insurance and the user’s car registration information; a payment unit, which is based on the user’s insured The category of car insurance, which provides the user with a payment channel; a download unit, after the user completes the procedure of the payment unit, the user can use the download unit to make a copy of the data content of the car insurance purchased Download or upload directly to the personal cloud database; a return unit is to automatically return the data content of the car insurance to the customs and trade unit or the cooperative insurer for storage, and the cooperative insurer will receive the car After the content of the insurance data is used, the original copy of the electronic insurance card is sent back to the back end of the management system for storage, allowing the user to download it by himself.

In one embodiment of the present invention, the system further includes a customer service module, which includes a claims unit, so that when the user has a traffic accident, he can click a quick button in the auto insurance interface to instantly Connect to the window of the cooperative insurer through the Internet, and the cooperative insurer will immediately assign personnel to assist; a reminder unit, which automatically takes the user's payment date as the insured date, records itself at the same time, and closes the insured due date Automatically remind the user of insurance renewal information on a daily basis; and a real-time support unit, which connects to the customer service unit online, and solves the user's insurance-related problems in real time by email, smart reply, or real-person online reply according to the time period.

In an embodiment of the present invention, the login unit is capable of performing login operations through a web page or a communication software interface.

In one embodiment of the present invention, the verification unit will be automatically brought in by the cooperative insurance company when the user has already purchased auto insurance.

In one embodiment of the present invention, the category unit is an insurance plan, including compulsory auto liability insurance, third party liability insurance, additional insurance, vehicle body loss insurance, theft loss insurance, or other insurance types.

In one embodiment of the present invention, the automatic connection is connected through a wireless network.

An automated service management method for auto insurance, comprising: Step 1. The user uses the webpage or communication software interface to perform the login operation; Step 2. Confirm whether it is a new user by a login unit; Step 3. If yes, as a new user, you need to register basic personal and car registration information; Step 4. If not, if you are a known user, you only need to log in to the one-vehicle insurance interface with the license plate or the identity information of the owner; Step 5. After logging in to the system, a verification unit will automatically link to Customs and Trade for data verification, and automatically bring in the information required for other car registrations, and display it on the car insurance interface; Step 6. Use a type unit to automatically provide the general type of auto insurance suitable for the user according to the type of insurance purchased by the user over the years and the user's driving preference habits, and at the same time suggest the type of auto insurance that is suitable for the user to purchase, or Provide the types of car insurance required by first-time users; Step 7. After the user selects the required car insurance, a data unit will automatically provide the data content of the car insurance, and at the same time use the user's car registration information recorded in the verification unit to automatically fill in the data Content, and presented in the auto insurance interface; Step 8. The user uses a confirmation unit to check the content of the data, and the confirmation unit provides legal matters to check after the confirmation is completed; Step 9. After confirming that the data content of the selected car insurance is correct, enter a payment unit for online payment channel; Step 10. After the payment is completed, the user can use a download unit to download or directly upload a copy of the data content of the vehicle insurance purchased to the personal cloud database; Step 11. A return unit returns the data content to the Customs and Trade Unit or the cooperative insurer for storage, and then returns to the back-end server, so that the user can directly download the official insurance certificate.

In one embodiment of the present invention, the method is that when the user has a problem in any of the processes, the online customer service unit can be used for support, so as to solve the user's insurance-related problems in real time.

In one embodiment of the present invention, the method is that when the user has a traffic accident afterwards, he can use the instant connection to obtain the customer authorization, complete the required documents for claim settlement, and immediately notify the cooperative insurer. .

In one embodiment of the present invention, the cooperative insurer will return the content of the data returned by the return unit to the back-end server, and enable the user to directly download the official proof of insurance.

In order to facilitate the examiner to understand the technical features, content and advantages of the present invention and the effects it can achieve, the present invention is hereby combined with the accompanying drawings and described in detail in the form of embodiments as follows, and the drawings used therein are, Its purpose is only for illustration and auxiliary instructions, and may not be the true proportion and precise configuration of the present invention after implementation, so it should not be interpreted based on the proportion and configuration relationship of the attached drawings, and limit the scope of rights of the present invention in actual implementation , together first describe.

Please refer to Fig. 1, which is a schematic diagram of the structure of the auto insurance automatic service management system and its method of use of the present invention. A main execution module (100) includes a login unit (110) having registered user information and setting vehicle registration data, And in order to log into an auto insurance interface (300), the log-in unit (110) can be used to log in through a webpage or communication software interface; Automatically link to the verification unit (120) of the customs and trade unit for data verification, and automatically bring in the information required by other car registrations, and display it in the auto insurance interface (300), wherein the verification unit (120) is used for the Those who have already purchased auto insurance will be automatically brought in by the cooperative insurer; a type unit (130 ), and can provide suggestions for the type of vehicle insurance required for the user to apply for insurance for the first time, wherein the type unit (130) is an insurance plan, including compulsory auto liability insurance, third party liability insurance, additional insurance, vehicle body Loss insurance, theft loss insurance, etc., or other insurance type schemes, etc.; a data unit (140) based on the type of vehicle insurance selected by the user can automatically bring out the data content and use of the vehicle insurance The user’s driving preferences and habits, and use the user’s car registration information recorded by the verification unit (120) to automatically fill in the content of the data and present it in the car insurance interface (300); A confirmation unit (150) for the data content of the insurance and the vehicle registration information of the user; a payment unit (160) that provides the payment channel for the user according to the type of vehicle insurance purchased by the user; The download unit (170) for downloading the copy of the data content of the auto insurance, after the user completes the procedure of the payment unit (160), the user can carry out the copy of the data content of the auto insurance purchased Download or directly upload to the personal cloud database; a return unit (180), which is to automatically return the data content of the vehicle insurance to the customs and trade unit or the cooperative insurer for storage, and the cooperative insurer will receive After the data content of the car insurance is used, the original copy of the electronic insurance card is sent back to the back end of the management system for storage, so that the user can download it by himself.

In addition, the system further includes a customer service module (200), which includes a function that allows the user to click a quick button in the auto insurance interface to instantly connect to the cooperative insurance company through the Internet when a traffic accident occurs to the user. The claim settlement unit (210) at the window, and the cooperative insurer can immediately assign personnel to assist; one can automatically record the reminder unit (220) according to the user's payment date as the insurance date and self-record date at the same time, when it is close to the insurance Automatically remind the user of renewal information on the due date; and a real-time support unit (230) that connects to the customer service unit online, and solves the user's problem in real time by email, smart reply or real online reply according to the time period Insurance related issues.

Please refer to Fig. 2, which is a flow chart of the auto insurance automated service management system and its use method of the present invention, a kind of auto insurance automated service management method, including: Step 1, (S410) The user uses the web page or communication software interface to perform the login operation; Step 2, (S420) Confirm whether it is a new user by a login unit; Step 3. If yes, (S421) If you are a new user, you need to register your personal and car registration basic information first; Step 4. If it is not, (S422) is a known user, then only need to log in a car insurance interface with the license plate or car owner's identity information; Step 5. After logging into the system, (S430) a verification unit automatically connects to the customs and trade unit for data verification, and automatically brings in the information required for other car registrations, and displays it on the car insurance interface; Step 6, (S440) According to the type of insurance purchased by the user over the years and the user's driving preference habits through a type unit, automatically provide the general type of auto insurance suitable for the user, and at the same time suggest the appropriate auto insurance for the user Type, or provide the type of car insurance required by first-time users; Step 7, (S450) After the user has selected the required car insurance, a data unit will automatically provide the data content of the car insurance, and at the same time use the user's car registration information recorded by the verification unit to automatically Fill in the content of the information and present it in the auto insurance interface; Step 8, (S460) The user uses a confirmation unit to check the content of the data, and the confirmation unit provides legal matters to check after the confirmation is completed; Step 9, (S470) After confirming that the data content of the selected vehicle insurance is correct, enter a payment unit for online payment channel; Step 10, (S480) After the payment is completed, the user can use a download unit to download or directly upload a copy of the data content of the vehicle insurance purchased to the personal cloud database; Step 11, (S490) a return unit returns the content of the data to the Customs and Trade Unit or the cooperative insurer for storage, and then returns to the back-end server, so that the user can directly download the official insurance certificate .

Among them, when the user has a problem in any of the processes, he can use the online customer service unit for support to solve the user's insurance-related problems in real time, and if the user has a traffic accident afterwards, he can In the auto insurance interface, you can click a quick key to connect to the window of the cooperative insurer through the Internet immediately, and the cooperative insurer will immediately assign personnel to assist, and the cooperative insurer will receive the reply from the return unit After the content of the data is transmitted, it will be sent back to the back-end server, and the user can directly download the official insurance certificate.

It can be known from the above content that in one embodiment, the user can use a webpage or communication software interface to perform login operations. If the user has already registered, he only needs to log in to a car insurance interface with the license plate or the identity information of the car owner. When the user For new registration, you need to register your personal and car registration basic information first and log in to the car insurance interface. After logging in to the system, a verification unit will automatically link to the customs and trade unit for data verification, and automatically bring in the information required for other car registrations , and displayed in the auto insurance interface, and then through a category unit, according to the user's historical insurance type, user risk preference, and driving behavior, it will automatically provide the appropriate general category of the user's auto insurance, and at the same time recommend suitable The type of auto insurance that the user purchases, or the suggestion of the type of auto insurance required by the first-time user, is also the insurance plan of each insurer, including compulsory auto liability insurance, third party liability insurance, additional insurance, Car body loss insurance, theft loss insurance, or other insurance types, etc., the user can also choose the type of insurance plan and the corresponding insured unit. After the user has selected the required car insurance, the A data unit automatically provides the data content of the car insurance and the user's driving preference habits, and at the same time uses the user's car registration information recorded in the verification unit to automatically fill in the data content and present it in the car insurance interface, The user then uses a confirmation unit to check the content of the data and confirm the signature of the insurance content. After the confirmation is completed, the confirmation unit provides the legal matters of each insurance company to check to protect the rights and interests of the user. After confirming that the data content of the selected car insurance is correct, enter a payment unit for online payment channels, including payment methods such as bank transfer or online card swiping. After the payment is completed, the user can use a download unit, Download or directly upload the copy of the data content of the vehicle insurance purchased to the personal cloud database. After receiving the data content returned by the return unit, the merchant will send it back to the back-end server, and enable the user to directly download the official insurance certificate, and the system will automatically The payment date is the insurance application date, and the reminder unit will record it by itself at the same time, and automatically remind the user of the renewal information when the insurance expiration date is approaching, and if there is any problem in the above process, you can use the online customer service unit to solve the problem Support, and according to the time period, use email, smart reply or real person online reply to solve the user's insurance-related problems in real time, and when the user has a traffic accident afterwards, he can click a quick button in the auto insurance interface button, the window of the cooperative insurer is connected to the network immediately, and the cooperative insurer immediately assigns personnel to assist.

To sum up, its users can use the Internet to download the auto insurance automatic service management system program, and open the application program. After logging in to the program, the system will automatically provide the user with the appropriate insurance content and type, so as to avoid the user It takes a lot of unnecessary time to compare the insurance plans, and the user, after the system has selected the insurance plan, can automatically fill in the required insurance information fields according to the login information, saving the user It takes time to fill in the information, and pay directly online after completion, and can directly download or upload a copy of the insurance content to the cloud, effectively simplifying the insurance application process and unnecessary time.

As can be seen from the above description of implementation, the present invention has the following advantages compared with the prior art and products:

1. The auto insurance automated service management system and its usage method of the present invention can automatically provide suggestions for plans based on the user's insurance information over the years, effectively saving the time for users to compare insurance plans by themselves.

2. The auto insurance automated service management system and its usage method of the present invention can integrate the vehicle registration information of the supervision office and the insurance types of various insurance companies, and provide users with a single channel to purchase auto insurance.

3. The auto insurance automated service management system and its usage method of the present invention can automatically fill in the insurance application form according to the content of the insurance plan that the user has applied for, greatly reducing the filling time and errors of the user.

4. The auto insurance automated service management system and its usage method of the present invention can solve the insurance-related problems of the user in real time by connecting to the customer service unit online, and by e-mail, intelligent reply or real online reply according to the time period.

The above is only the best specific embodiment of the present invention, but the structural features of the present invention are not limited thereto, and any changes or modifications that can be easily conceived by those familiar with the art in the field of the present invention can be covered. In the following patent scope of this case.

To sum up, the present invention does have an unprecedented innovative structure, which has neither been seen in any publications, nor any similar products on the market, so there should be no doubts about its novelty. In addition, the unique features and functions of the present invention are far beyond the comparison of the conventional ones, so it is indeed more progressive than the conventional ones, and it complies with the requirements of the Chinese Patent Law on the application requirements for invention patents, and the patent application is filed according to law.

(100): The main execution module (110): login unit (120): verification unit (130): type unit (140):data unit (150): confirmation unit (160): paid unit (170): download unit (180): return unit (200):Customer service module (210): claim settlement unit (220): reminder unit (230): instant support unit (290): reminder unit (300): car insurance interface (S410~S490): Process

FIG. 1 is a schematic diagram of the architecture of the auto insurance automated service management system and its usage method of the present invention. Fig. 2 is a flow chart of the auto insurance automatic service management system and its usage method of the present invention.

(100): The main execution module

(110): login unit

(120): verification unit

(130): type unit

(140):data unit

(150): confirmation unit

(160): paid unit

(170): download unit

(180): return unit

(200):Customer service module

(210): claim settlement unit

(220): reminder unit

(230): instant support unit

(290): reminder unit

(300): car insurance interface

Claims (10)

An automated service management system for auto insurance, comprising a main execution module (100), which includes: A login unit (110), which includes registered user information and set car registration data, and is used to log in to a car insurance interface (300); A verification unit (120), which is based on the user information in the login unit (110), is automatically linked to the customs and trade unit for data verification, and automatically brings in information required by other car registrations, and displays it on the auto insurance interface (300 )middle; A category unit (130), which automatically brings out the type of auto insurance suitable for the user based on the type of insurance purchased by the user over the years, the user's risk preference, and driving behavior, and at the same time recommends the type of auto insurance suitable for the user to purchase , or provide the type of car insurance required by the user for the first time; A data unit (140), which is based on the type of car insurance selected by the user, automatically brings out the data content of the car insurance, and utilizes the user's car registration information recorded by the verification unit (120), Automatically fill in the content of the data and present it in the auto insurance interface (300); A confirmation unit (150), which is confirmed by the user in the data content of the car insurance and the user's car registration information; A payment unit (160), which provides payment channels for the user according to the type of vehicle insurance that the user has purchased; A download unit (170), after the user completes the program of the payment unit (160), the user can use the download unit (170) to download or Upload directly to the personal cloud database; A return unit (180), which is to automatically return the data content of the vehicle insurance to the Customs and Trade Unit or the cooperative insurer for storage. After receiving the data content of the vehicle insurance, the cooperative insurer will send the electronic The original copy of the insurance card is returned to the back end of the management system for storage, allowing the user to download it by himself. The auto insurance automated service management system as described in Claim 1, wherein the system further includes a customer service module (200), which includes: A claim settlement unit (210), which is able to click a quick key in the auto insurance interface when the user has a traffic accident, and instantly connect to the window of the cooperative insurer through the network, and the cooperative insurer immediately Assign personnel to assist; A reminding unit (220), which automatically records the user's payment date as the insurance application date, and automatically reminds the user of the insurance renewal information when it is close to the insurance application expiration date; and A real-time support unit (230), which connects to the customer service unit online, and solves the insurance-related problems of the user in real time by e-mail, intelligent reply or real online reply according to the time period. The auto insurance automated service management system as described in claim 1, wherein the login unit (110) can perform login operations through a web page or a communication software interface. The automatic service management system for auto insurance as described in Claim 1, wherein the verification unit (120) is automatically brought in by the cooperative insurer when the user has purchased auto insurance. The automatic service management system for auto insurance as described in Claim 1, wherein the category unit (130) is an insurance plan, including compulsory auto liability insurance, third party liability insurance, additional insurance, vehicle body loss insurance, and theft loss insurance Other, or other types of insurance plans. The auto insurance automated service management system as described in claim 1, wherein the automatic connection is connected through a wireless network. An automated service management method for auto insurance, comprising: Step 1, (S410) The user uses the web page or communication software interface to perform the login operation; Step 2, (S420) Confirm whether it is a new user by a login unit; Step 3. If yes, (S421) If you are a new user, you need to register your personal and car registration basic information first; Step 4. If it is not, (S422) is a known user, then only need to log in a car insurance interface with the license plate or car owner's identity information; Step 5. After logging into the system, (S430) a verification unit automatically connects to the customs and trade unit for data verification, and automatically brings in the information required for other car registrations, and displays it on the car insurance interface; Step 6, (S440) Use a type unit to automatically provide the general type of car insurance suitable for the user according to the type of insurance purchased by the user over the years and the user's driving preference habits, or provide the user's needs for the first-time insurance Types of car insurance; Step 7, (S450) After the user has selected the required car insurance, a data unit will automatically provide the data content of the car insurance, and at the same time use the user's car registration information recorded by the verification unit to automatically Fill in the content of the information and present it in the auto insurance interface; Step 8, (S460) The user uses a confirmation unit to check the content of the data, and the confirmation unit provides legal matters to check after the confirmation is completed; Step 9, (S470) After confirming that the data content of the selected vehicle insurance is correct, enter a payment unit for online payment channel; Step 10, (S480) After the payment is completed, the user can use a download unit to download or directly upload a copy of the data content of the vehicle insurance purchased to the personal cloud database; Step 11, (S490) a return unit returns the content of the data to the Customs and Trade Unit or the cooperative insurer for storage, and then returns to the back-end server, so that the user can directly download the official insurance certificate . The auto insurance automated service management method as described in claim item 7, wherein the method is that when the user encounters a problem in any of the processes, the online customer service unit can be used for support, so as to solve the user's problem in real time Insurance related issues. The automatic service management method of auto insurance as described in claim 7, wherein the method is that when the user has a traffic accident afterwards, he can click a quick key in the auto insurance interface to connect to the cooperation with the network immediately The window of the insurer, and the cooperative insurer will immediately assign personnel to assist. The automatic service management method for auto insurance as described in Claim 7, wherein in step 11 (s490), the cooperative insurer will return the original electronic insurance card after receiving the data content returned by the return unit It is transmitted to the back-end server for storage, and enables the user to directly download the official insurance certificate.

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