TWM600886U - Expired insurance marketing system - Google Patents

Abstract

An expired insurance marketing system includes an insurance server. The insurance server includes an insurer data management module and a return list screening module. The insurer data management module is used to record insurance data of insurers and provide an expired insurer list according to these insurance data. The return list screening module is used to filter out a return list from the expired insurer list according to screening conditions, select an insurer marketing candidate from expired insurers recorded in the return list, and provide financial commodity information to the marketing candidate.

Description

Maturity Insurance Fund Marketing System

This disclosure relates to a marketing system for maturity insurance money.

"Maturity insurance money" refers to those who survive the expiration of the insurance contract, and the insurance company pays the maturity insurance money according to the terms of the insurance contract. After the insurer receives the insurance money, the protection in the insurance contract also terminates.

The current insurance company will voluntarily send a notice to the insurer before the payment due date, and the insurer may choose to receive it by remittance, check, etc. If the policy has outstanding payments, the insurance company may deduct the maturity insurance money and pay the balance to the insurer. And if customers want to use the maturity insurance money to continue to insure or purchase financial products, the current method lacks channels to market related financial products to customers immediately.

One aspect of this disclosure relates to a maturity insurance premium marketing system.

According to an embodiment of the present disclosure, a maturity insurance premium marketing system includes an insurance terminal server electronic device. The insurance server electronic device includes an insurer data management module and a return list screening module. The insurer data management module is used to record the plural insurance data of multiple insurers and provide a list of maturity insurers based on these insurance data. The return list screening module is used to filter out the return list from the maturity insurer list according to the selection conditions, and select marketing candidates from the maturity insurers recorded in the return list to provide the marketing candidates with financial product information.

In one or more embodiments, the insurer data management module has an insurer database and a screening unit connected to each other. The insurer database is used to record the insurance information of the insurer. The screening unit screens out a list of maturity insurers based on insurance data.

In one or more embodiments, the return list screening module has a processor, a transmission module connected to the processor, and a financial product database. The processor obtains the filtering conditions according to the financial product information in the financial product database. The processor screens out the return list from the maturity insurer list according to the selection criteria, and selects the marketing candidates from the return list to transmit financial product information to the personal electronic devices of the marketing candidates through the transmission module.

In some embodiments, the transmission module includes a text message sender and an email sender.

In one or more embodiments, the insurance information includes the policy number, the date of insurance, the name of the insurer, the number of the insurer's ID card or passport, the type of insurance product, and the premium.

In one or more embodiments, the maturity insurance premium marketing system as described above further includes a relay bridge for switching. The electronic device of the insurance server is connected to the personal electronic device of the marketing candidate through the relay bridge.

In some embodiments, the maturity insurance marketing system as described above further includes the electronic device of the bank-side head office server. The electronic device of the head office server of the bank is connected to the return list screening module of the electronic device of the insurance server through a relay bridge to receive the return list.

In some embodiments, the electronic device of the bank-side head office server is connected to the electronic device of the bank-side branch server through the insurance agent intranet, so that the bank-side branch server electronic device can obtain the insurance information of the marketing candidate.

In some embodiments, the electronic device of the bank-side head office server as described above includes a rejection customer database and a comparison unit. The rejected client database is used to record the rejected client list. The comparison unit refused to connect to the customer database. The comparison unit is used to compare the rejected customer list and the reflow list, and send the reflow list after the comparison to the electronic device of the bank branch server.

In some embodiments, the insurance-side server electronic device provides the marketing candidate with maturity insurance money through the bank-side branch server electronic device.

In summary, the maturity insurance fund marketing system disclosed in this disclosure can provide marketing information in a timely manner, so as to guide the return of funds of the insurer of maturity insurance fund.

It should be understood that the above general description and the following detailed description are further descriptions by examples, and are intended to provide further explanations for this disclosure, and should not be used to limit this disclosure.

100: Maturity Insurance Fund Marketing System

105: Fuse server electronics

110: Insurer Data Management Module

115: Insurer Database

120: Screening unit

130: Return list screening module

135: Transmission Module

140: processor

145: Financial Commodity Database

150: Relay bridge

160: Bank-side head office server electronic device

165: Reject customer database

170: Comparison unit

180: Insurance Agency Intranet

190: Bank-side branch server electronic device

200: personal electronic device

300: Marketing method

310~355: Process

The advantages and drawings of the present disclosure should be understood by the following embodiments and with reference to the accompanying drawings. The descriptions of these drawings are merely examples of implementations, and therefore should not be considered as limiting individual implementations or limiting the scope of disclosure of the patent application.

Figure 1 depicts a maturity insurance premium marketing system according to one implementation of this disclosure A block diagram of the system;

Figure 2 illustrates a block diagram of an insurer's data management module according to an embodiment of the present disclosure;

Fig. 3 shows a block diagram of a reflow list screening module according to an embodiment of the present disclosure;

Figure 4 shows a block diagram of an electronic device of a bank-side head office server according to an embodiment of the present disclosure; and

FIG. 5 shows a flow chart of a marketing method according to an embodiment of the present disclosure.

The following examples are listed in conjunction with the accompanying drawings for detailed description, but the examples provided are not intended to limit the scope covered by this disclosure, but the result The description of the operation of the structure is not intended to limit the order of its execution. Any device with an equal effect produced by the recombination of components is within the scope of this disclosure. In addition, the drawings are for illustrative purposes only, and are not drawn according to the original dimensions. To facilitate understanding, the same elements or similar elements in the following description will be described with the same symbols.

Unless otherwise defined, all words (including technical and scientific terms) used herein have their usual meanings, and their meanings can be understood by those familiar with the field. Furthermore, the above-mentioned vocabulary definitions in commonly used dictionaries should be interpreted as meaning consistent with the relevant fields of this disclosure in the content of this specification. Unless specifically defined, these terms will not be interpreted as idealized or overly formal.

The terms "include", "include", "have", "contain", etc. used in this article are all open terms, meaning including but not limited to.

In this article, unless the article is specifically limited in the context, "一" and "the" can generally refer to one or more. It will be further understood that the terms "include", "include", "have" and similar words used in this article indicate the recorded features, regions, integers, steps, operations, elements and/or components, but do not exclude The described or additional one or more other features, regions, integers, steps, operations, elements, components, and/or groups thereof.

This disclosure provides a marketing system for maturity insurance premiums, so that when an insurer receives maturity insurance premiums, relevant financial product information can be provided immediately, so that maturity insurers can return.

Please refer to Figure 1. FIG. 1 illustrates a block diagram of a maturity insurance premium marketing system 100 according to an embodiment of the present disclosure.

As shown in FIG. 1, in this embodiment, the maturity insurance premium marketing system 100 includes an insurance server electronic device 105, a relay bridge 150, and a bank-side head office server electronic device 160. The insurance server electronic device 105 includes an insurer data management module 110 and a return list screening module 130. The maturity insurance money marketing system 100 is connected to the personal electronic device 200 of the insurer through the relay bridge 150. The bank-side head office server electronic device 160 of the maturity insurance money marketing system 100 is also connected to the bank-side branch server electronic device 190 through the insurance agent intranet 180.

For example, the insurance server electronic device 105 can be installed in an insurance company that provides insurance services, and communicates with the bank-side head office server electronic device 160 installed in the bank's head office through the relay bridge 150. Subsequently, the bank-side head-office server electronic device 160 of the sub-head office provides the required data to the bank-side branch server electronic device 190 of each branch. The financial specialists of the bank branches can provide matching of financial products in a timely manner based on the received information.

The insurer data management module 110 is used to record plural insurance data of plural insurers. Please refer to Figure 2. FIG. 2 shows a block diagram of an insurer data management module 110 according to an embodiment of the present disclosure. In this embodiment, the insurer data management module 110 includes an insurer database 115 and a screening unit 120 connected to each other. Insurer's Information The database 115 is used to record the insurance information of the insurer. The screening unit 120 can screen out a list of maturity insurers based on insurance data.

Specifically, in some embodiments, the multiple insurance information of multiple insurers recorded in the insurer database 115 includes policy number, insurance date, insurer’s name, insurer’s ID card number or passport number, and type of insurance product. And premiums and so on. According to the stored insurance date and the type of insurance product, the screening unit 120 can obtain the insurance expiry date of the insurer, correspondingly know whether the insurer has expired, and if so, add it to the list of expiry insurers. After a case-by-case selection, the selection unit 120 can provide a list of maturity insurers.

Back to Figure 1. The insurer data management module 110 is connected to the return list screening module 130. The return list screening module 130 is used to filter the return list from the list of insurers according to the screening conditions, and select marketing candidates from the maturity insurers recorded in the return list to provide the marketing candidates with financial product information.

Specifically, please refer to Figure 3. FIG. 3 shows a block diagram of a reflow list screening module 130 according to an embodiment of the present disclosure. As shown in the figure, in this embodiment, the return list screening module 130 has a transmission module 135, a processor 140, and a financial product database 145. The transmission module 135 and the financial product database 145 are respectively connected to the processor 140.

The processor 140 obtains the screening conditions based on the financial product information in the financial product database 145, and then selects return names from the list of maturity insurers provided by the insurer information management module 110 according to the screening conditions. And select marketing candidates from the return list. For example, the screening conditions are such conditions that the insurer’s age of insurance is less than 70 years old.

In this way, the processor 140 can transmit the financial product information to the personal electronic device 200 of the marketing candidate through the transmission module 135. In some embodiments, the transmission module 135 includes a text message sender or an email sender to transmit the financial product information to the personal electronic device 200 of the selected maturity insurer as shown in FIG. 1 Get the effect of real-time matchmaking.

In this way, the return list screening module 130 can return a list of insurers who meet the screening conditions and whose insurance expires recently. The insurance server electronic device 105 of each insurance company sets the screening conditions according to the new products to be recommended and suitable for the customer group, and sets the policy expiration notice, insurance payment notice, and set up the DM of the recommended products to use SMS and email methods Push and contact with the maturity insurer. In some implementations, the insurance company informs the customer in writing that the insurance policy has expired and the host pushes the product DM, supplemented by electronic notifications (for example: SMS, e-mail, E-DM), so that the insurer can complete the expiry Term insurance money is used to pay the insurance premiums of the main insurance products, as a seamless connection of fund return.

Back to Figure 1. As shown in Figure 1, the relay bridge 150 serves as a bridge for message transmission and processing between the insurance-side server electronic device 105 and the bank-side head office server electronic device 160. More specifically, the relay bridge 150 serves as a module for message transmission between the return list screening module 130 and the electronic device 160 of the head office server of the bank, so as to provide The electronic device 160 of the bank-end head office server of the bank's head office transmits the filtered return list for use by the bank.

As shown in Figure 1, the personal electronic device 200 of the expiring insurer is also connected to the insurance server electronic device 105 through the relay bridge 150 to use the service interface provided by the insurance server electronic device 105.

Please refer to Figure 4. FIG. 4 shows a block diagram of a bank-side head office server electronic device 160 according to an embodiment of the present disclosure. As shown in the figure, in this embodiment, the bank-side head office server electronic device 160 includes a rejected customer database 165 and a comparison unit 170.

The rejected client database 165 is used to record a list of rejected clients. For example, after discussing with each customer, the financial specialist can learn that some customers will not consider buying insurance financial products. The wealth management specialist can then record these customers as a list of rejected clients, and store it in the rejected client database 165 of the electronic device 160 of the head office server of the bank for unified management.

The comparison unit 170 connects to the client database 165 which is rejected. The comparison unit 170 can be used to compare the rejected customer list with the return list, and send the compared return list to the bank branch server electronic device 190 through the insurance agency intranet 180 (insurance intranet) of each branch. . In this way, financial management specialists do not need to provide insurance financial product information to maturity insurers who are not willing to purchase financial products.

In this way, the electronic device 160 of the server at the head office of the bank can automatically compare the return list of maturity insurers provided by the electronic device 105 of the insurance server on the insurance company of the insurance company, and pass the rejection of the customer database 165. The Absolute Client List excludes the data processing of clients who have refused co-marketing, and sends the information of the matched client list that is about to expire to each branch system (such as the insurance agency intranet 180) so that the financial specialists of the branches can grasp the information.

If the maturity insurer at the end of the insurance period does not intend to use the maturity insurance money to purchase financial products, the insurance server electronic device 105 can provide the insurer with the maturity insurance money through the bank branch server electronic device 190.

Please refer to Figure 5. FIG. 5 shows a flow chart of the one-line marketing method 300 according to an embodiment of the present disclosure. The marketing method 300 includes processes 310-355. One of the disclosures is a maturity insurance premium marketing system 100 that can implement this marketing method 300, so that maturity insurers can be informed of financial product information in real time, so that maturity insurance premiums can be returned to purchase financial products.

In the process 310, the insurance server electronic device 105 on the insurance company side generates a list of expired insurers. For example, in this embodiment, the insurer data management module 110 can be used to filter out the insurers whose insurance is about to expire through the screening unit 120 from the insurer data recorded in the insurer database 115, thereby providing List of maturity insurers.

In the process 315, in this embodiment, the return list filtering module 130 of the insurance server electronic device 105 can be used to filter the return list from the list of expired insurers.

In the process 320, for the maturity insurers who are not on the return list, the maturity insurance money (or maturity payment) can be returned. Insurance server power The sub-device 105 can pay the maturity insurance money to maturity insurers not on the return list through the electronic device 190 of the bank branch server.

In the process 325, for the maturity insurers in the return list, the insurance server electronic device 105 can provide the return list to the bank head server electronic device 160 of the bank head office through the relay bridge 150.

In the process 330, the insurance server electronic device 105 on the insurance company side can select the maturity insurer from the return list to transmit the financial product information. The selected maturity insurer serves as a marketing candidate to recommend marketing financial products. For example, using text messages, emails to complete the delivery of the policy expiration notice, the insurance payment notice and the E-DM of the new product to the personal electronic device 200 of the selected maturity insurer. The personal electronic device 200 is, for example, a mobile phone or a personal computer.

Subsequently, in the process 335, the intention of the maturity insurer is asked to confirm whether the maturity insurer purchases new financial products. If so, the process 340 is entered, and the insurance server electronic device 105 on the insurance company side further provides a link between the insurance document and the relevant authorization letter for the maturity insurer to purchase. If not, the process 345 is entered, and the maturity insurer receives the maturity insurance money through the electronic device 190 of the bank branch server.

On the other hand, after the process 325 provides the return list to the bank-end head office server electronic device 160 of the bank-end head office, it also enters the process 350, where the bank-end head office electronic device 160 compares the return list and rejects After the customer list, send the matched return list to the branch. For example, the ratio of the electronic device 160 of the bank’s head office server The comparison unit 170 is compared and recorded in the rejected customer name unit return list of the rejected customer database 165, so as to exclude the maturity insurers who are not willing to purchase financial products through maturity insurance money from the return list.

After the bank-side branch server electronic device 190 on the branch side receives the reflowed list after the comparison, it enters the process 355. For the maturity insurers on the reflowed list after the comparison, the financial specialist seizes the opportunity to recommend financial products, and then returns to In process 335, the intention of the maturity insurer is asked to confirm whether the maturity insurer purchases new financial products.

In this way, the insurance company will also match the reflow list that meets the screening criteria and provide it to the bank's sales channel, so that the sales channel branch financial specialists can grasp the list of qualified maturity insurers in advance, strengthen sales services and grasp the right time Recommend suitable insurance products. Generally speaking, because different insurers have different levels of trust in insurance company and branch financial specialists. By sending relevant messages to the financial specialists at the insurance company and branch at the same time, the maturity insurer can receive financial product information from both sides, and increase the willingness to use the maturity insurance funds to return to purchase financial products.

In summary, this disclosure provides a maturity insurance premium marketing system 100, so as to provide a marketing method for an insurance company and a bank branch financial manager to sell financial products to maturity insurers in both directions. In this way, marketing information can be provided in a timely manner to guide the return of funds of maturity insurance customers to purchase financial products.

Although the present disclosure has been described above with embodiments, it is not limited to this disclosure. Anyone who is familiar with this technique will not depart from the spirit and spirit of this disclosure. Within the scope, various changes and modifications can be made. Therefore, the protection scope of this disclosure shall be subject to those defined by the attached patent application scope.

100: Maturity Insurance Fund Marketing System

105: Fuse server electronics

110: Insurer Data Management Module

130: Return list screening module

150: Relay bridge

160: Bank-side head office server electronic device

180: Insurance Agency Intranet

190: Bank-side branch server electronic device

200: personal electronic device

Claims (10)

A maturity insurance premium marketing system, including: an insurance-side server electronic device, including; an insurer data management module, used to record plural insurance data of multiple insurers, and provide a maturity insurance based on the insurance data A list of maturity insurers, the list of maturity insurers records plural maturity insurers whose insurance maturity has expired; and a backflow list screening module for selecting a backflow list from the list of maturity insurers based on a screening condition, and then A marketing candidate is selected from the maturity insurers recorded in the return list to provide the marketing candidate with financial product information. The maturity insurance premium marketing system according to claim 1, wherein the insurer data management module has an insurer database and a screening unit connected to each other, and the insurer database is used to record the insurers’ Some insurance information, the screening unit selects the list of maturity insurers based on the insurance information. The maturity insurance marketing system according to claim 1, wherein the return list screening module has a processor, a transmission module connected to the processor, and a financial product database, and the processor is based on the financial product A financial product information in the database is used to obtain the screening condition. The processor screens the return list from the list of maturity insurers according to the filter condition, and selects the marketing candidate from the return list to pass The financial product information is transmitted to a personal electronic device of the marketing candidate through the transmission module. The maturity insurance premium marketing system according to claim 3, wherein the transmission module includes a short message sender and an email sender. The maturity insurance premium marketing system described in claim 1, wherein the insurance information includes an insurance policy number, an insurance date, an insurer’s name, an insurer’s ID card number or passport number, an insurance product type, and a premium . The maturity insurance premium marketing system according to claim 1, further comprising a relay bridge for switching, wherein the insurance server electronic device is connected to a personal electronic device of the marketing candidate through the relay bridge . The maturity insurance premium marketing system according to claim 6, further comprising a bank-side head office server electronic device, and the bank-side head office server electronic device is connected to the insurance-side server electronic device through the relay bridge. The reflow list screening module to receive the reflow list. The maturity insurance premium marketing system described in claim 7, wherein the bank-side head office server electronic device is connected to a bank-side branch server electronic device through an insurance agent intranet for the bank-side branch The server electronic device obtains the insurance information of the marketing candidate. For the maturity insurance marketing system described in claim 8, the electronic device of the bank's head office server includes: a rejected customer database for recording a list of rejected customers; and a comparison unit connected to the rejected customer data Database, wherein the comparison unit is used to compare the rejected customer list with the return list, and send the compared return list to the electronic device of the bank branch server. The maturity insurance money marketing system according to claim 8, wherein the insurance server electronic device provides a maturity insurance money to the marketing candidate through the bank branch server electronic device.

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