CN106157149A - A kind of many insurance kinds self-service insurance vending system - Google Patents
A kind of many insurance kinds self-service insurance vending system Download PDFInfo
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- CN106157149A CN106157149A CN201610628728.8A CN201610628728A CN106157149A CN 106157149 A CN106157149 A CN 106157149A CN 201610628728 A CN201610628728 A CN 201610628728A CN 106157149 A CN106157149 A CN 106157149A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0281—Customer communication at a business location, e.g. providing product or service information, consulting
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Abstract
The invention discloses a kind of many insurance kinds self-service insurance vending system, select unit, product to buy unit, exception processing unit, short message sending unit and system administration client including subscription client, user profile authentication unit, product；Wherein, subscription client selects unit, product purchase unit communication to be connected with user profile authentication unit, product, and user profile authentication unit, exception processing unit are all connected with short message sending unit communication, and product selects unit to be connected with product purchase unit communication.Native system Consumer's Experience is good, simple to operate, can complete to choose, from product, all operations that insurance is bought, and most users all can complete independently all operations；Product is bought unit support and is activated the multiple means of payment such as card, Net silver and Alipay, the purchase having great convenience for the user；Provide abundant product and select function, can sell and different give danger product and danger product of paying for different users, substantially increase the market adaptability of system.
Description
Technical field
The invention belongs to computer communication technology field, relate to a kind of self-service insurance vending system, a kind of many insurance kinds are certainly
Help and sell insurance system.
Background technology
Insurance sales channel refer to insured goods from insurance company to insured's transfer process the approach of process.Safety plug
The selection selling channel directly restricts and affects formulation and the implementation effect of its sales tactics.Select suitable Sales Channel, no
Only can reduce the expenditure of insurance company's running cost, but also the sale of insured goods can be facilitated.
Insurance sales channel participates according to or without insurance intermediaries, can be divided into direct marketing channel and indirect sales channel.Directly
Connect Sales Channel and refer to that insurance company passes through the sales mode of the Sales Channel acquisition business of oneself；Indirect sales refer to insurance public affairs
Take charge of and obtain business by intermediary's channel (agency as professional in insurance, insurance finance class/non-financial class cross-business agency institutions)
Sales mode.
Direct marketing channel is a kind of Sales Channel that insurance company and consumer can be made to carry out direct dealing each other.?
In direct marketing channel, insurance company is devoted to directly to set up with certainly family to contact, and utilizes one or more media, guides consumption
Person or potential buyer produce immediate response or appropriate reaction, as bought or consulting insurance products.Concrete grammar has:
1. marketing personnel sell.Marketing personnel sell and refer to that insurance company insurance agent carries out the side of insurance products sale
Formula.This is a kind of traditional insurance sales mode, the i.e. insurance agent of insurance company is produced by the mode marketing insurance such as visit
Product.
2. telemarketing.Telemarketing is to utilize phone to sell.Telemarketing refers generally to utilize particular telephone line
Sell, so can enjoy the discount of particular number district direct-dial telephone.
But in above-mentioned sales process, make consumer feel not due to the finiteness of outlet of service provider
Just, program is complicated, and telemarketing product is more single, ensures that interests are simple, is usually some accident insurances, savings class insurance, after
Phase service does not catches up with.Sell via agency or agent and buy, owing to agency or procuratorial quality are irregular not
Together, there is bigger risk for consumer, as being difficult to determine to service agreement verity, related responsibility and liability exemption etc. are no
Accurately express and may misguide the consumer.
In view of this, it is necessary to provide a kind of self-service insurance vending system to solve the problems referred to above.
Summary of the invention
The present invention is directed to the deficiencies in the prior art, it is provided that a kind of many insurance kinds self-service insurance vending system, operate with user self-help
For primary operational means, integrate the functions such as sale, user's inquiry, value-added service, provide the user the long-range of various insurance
Self-service on-line purchase service.
The purpose of the present invention can be achieved through the following technical solutions:
A kind of many insurance kinds self-service insurance vending system, it is characterised in that: include
Subscription client, is used for gathering userspersonal information and completing user operation；
User profile authentication unit, uses checking note to verify user profile；
Product selects unit, it is provided that each insurance kind details are read for user and select；
Product buys unit, for user to selecting product to buy；
Exception processing unit, for processing system unexpected abnormality event；
Short message sending unit, for sending abnormal information note to system administration unit and sending checking note to user；
And system administration client, it is managed operating to system for system manager；
Wherein, described subscription client selects unit, product to buy unit communication with user profile authentication unit, product
Connecting, described user profile authentication unit, exception processing unit are all connected with short message sending unit communication, described product choosing
Select unit to be connected with product purchase unit communication.
Further, described subscription client includes the identity card for gathering address name, sex and date of birth
Information acquisition device, for gathering user's contact method and complete the module that manually enters of user operation, and for display system
Return the display module of data.
Further, described product is bought unit and is included completing to buy operation to the danger product of giving selected for user
Danger product of giving buy module and the paying danger product completing to buy operation to the danger product of paying selected for user is bought
Module, the display module that presentation for payment information is sent to subscription client is shown by described product purchase unit, user
Payment operation is completed by manually entering module according to presentation for payment information.
Further, described danger product purchase module of giving includes activating card authentication sub module, is used for obtaining user and swashs
Live the card number of card, and activate user and activate card.
Further, described paying danger product is bought module and is included that e-Bank payment submodule and Alipay pay submodule
Block.
Beneficial effects of the present invention:
1, Consumer's Experience is good, simple to operate, can complete to choose, from product, all operations that insurance is bought, and the overwhelming majority is used
Per family can complete independently all operations.
2, supporting the multiple means of payment, for ensureing that user is convenient, product is bought unit support and is activated card, Net silver and payment
The multiple means of payment such as treasured, the purchase having great convenience for the user.
3, perfect in shape and function, it is provided that abundant product selects function, can sell different give dangerous product for different users
Product and danger product of paying, substantially increase the market adaptability of system.
Accompanying drawing explanation
With specific embodiment, the present invention is described in further detail below in conjunction with the accompanying drawings.
Fig. 1 is the system schematic of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, those of ordinary skill in the art obtained under not making creative work premise all other
Embodiment, broadly falls into the scope of protection of the invention.
As it is shown in figure 1, the invention provides a kind of many insurance kinds self-service insurance vending system, including for gathering userspersonal information
With complete the subscription client of user operation, use the user profile authentication unit that user profile is verified by checking note,
The product providing each insurance kind details to carry out reading and selecting for user selects unit, for user to selecting product to carry out
The product bought buys unit, for the exception processing unit of processing system unexpected abnormality event, for sending out to system administration unit
Send abnormal information note and send the short message sending unit of checking note to user, and for system manager, system being carried out
The system administration client of management operation.
Wherein, subscription client selects unit, product purchase unit communication to be connected with user profile authentication unit, product,
User profile authentication unit, exception processing unit are all connected with short message sending unit communication, and product selects unit to buy with product
Unit communication connects.
Subscription client include the ID card information harvester for gathering address name, sex and date of birth, for
Gather user's contact method and complete the module that manually enters of user operation, and returning the display mould of data for display system
Block.
Product select unit provide each insurance kind details, as car insurance, tourist insurance, casualty insurance, health insurance,
Property insurance, business insurance etc. basis insurance, and screen as broken in mobile phone danger, flight delay danger, the comprehensive accident insurance of white collar one term,
The characteristic insurances such as tourist insurance of riding and parent-offspring's tourist insurance.
Product buy unit include for user to selected give danger product complete buy operation give danger product buy
Module and the paying danger product completing to buy operation to the danger product of paying selected for user buy module, and product is bought single
Presentation for payment information is sent to the display module of subscription client and shows by unit, and user passes through hands according to presentation for payment information
Work input module completes payment operation.
Wherein, give danger product purchase module and include activating card authentication sub module, activate the card number of card for obtaining user, and
Activate user and activate card, complete to buy.Danger product of paying is bought module and is included that e-Bank payment submodule and Alipay pay submodule
Block, user is optional uses Net silver or Alipay to complete to buy.
Workflow of the present invention:
Identity card is placed on the ID card information harvester of subscription client by user, gathers address name, sex and goes out
Raw date and time information is also sent to user profile authentication unit, and user is joined by the module input user that manually enters of subscription client
It is mode, and is sent to user profile authentication unit.User profile authentication unit is by address name, sex, date of birth information
And user's contact method is sent to short message sending unit, it is short that note unit sends checking according to user's contact method to user
Letter, checking note comprises address name, sex and date of birth information, and user checks short message, if correctly, then replys really
Recognize information, if incorrect, then by subscription client Resurvey.
After user profile has been verified, product selects unit to provide each insurance kind details, and is sent to subscription client
Display module show, for user read and select.User carries out after selecting related insurance product buying operation, if user
The product selected belongs to gives dangerous product, then activate the card number of card by activating card authentication sub module acquisition user, and activate user
Activate card, complete to buy；If the product of user's selection belongs to paying danger product, then user can pass through e-Bank payment submodule and prop up
Pay treasured payment submodule to complete to buy.
If there is the anomalous event of burst in system operation, such as the system failure etc., abnormality processing module will detection
To abnormal information be sent to SMS transmission module, SMS transmission module sends the note of system exception information to system manager
Notice, system manager is managed attended operation by system administration client to system.
Compared with prior art, a kind of many insurance kinds self-service insurance vending system of the present invention has the advantage that
1, Consumer's Experience is good, simple to operate, can complete to choose, from product, all operations that insurance is bought, and the overwhelming majority is used
Per family can complete independently all operations.
2, supporting the multiple means of payment, for ensureing that user is convenient, product is bought unit support and is activated card, Net silver and payment
The multiple means of payment such as treasured, the purchase having great convenience for the user.
3, perfect in shape and function, it is provided that abundant product selects function, can sell different give dangerous product for different users
Product and danger product of paying, substantially increase the market adaptability of system.
For convenience of description, it is divided into various unit, module to be respectively described with function when describing apparatus above.Certainly, exist
Implement the function of each unit, module to be realized in same or multiple softwares and/or hardware during the application.
As seen through the above description of the embodiments, those skilled in the art it can be understood that to the application can
The mode adding required general hardware platform by software realizes.Based on such understanding, the technical scheme essence of the application
On the part that in other words prior art contributed can embody with the form of software product, this computer software product
Can be stored in storage medium, such as ROM/RAM, magnetic disc, CD etc., including some instructions with so that a computer equipment
(can be personal computer, server, or the network equipment etc.) performs each embodiment of the application or embodiment
Method described in some part.
Device embodiments described above is only schematically, the wherein said unit illustrated as separating component
Can be or may not be physically separate, the parts shown as unit can be or may not be physics list
Unit, i.e. may be located at a place, or can also be distributed on multiple NE.Can be selected it according to the actual needs
In some or all of module realize the purpose of present embodiment scheme.Those of ordinary skill in the art are not paying creation
Property work in the case of, be i.e. appreciated that and implement.
The application can be used in numerous general or special purpose computing system environment or configuration.Such as: personal computer, service
Device computer, handheld device or portable set, laptop device, multicomputer system, system based on microprocessor, top set
Box, programmable consumer-elcetronics devices, network PC, minicomputer, mainframe computer, include any of the above system or equipment
Distributed computing environment etc..
The application can be described in the general context of computer executable instructions, such as program
Module.Usually, program module includes performing particular task or realizing the routine of particular abstract data type, program, object, group
Part, data structure etc..The application can also be put into practice in a distributed computing environment, in these distributed computing environment, by
The remote processing devices connected by communication network performs task.In a distributed computing environment, program module is permissible
It is positioned in the local and remote computer-readable storage medium of storage device.
In the description of this specification, the description of reference term " embodiment ", " example ", " concrete example " etc. means
Specific features, structure, material or feature in conjunction with this embodiment or example description is contained at least one enforcement of the present invention
In example or example.In this manual, the schematic representation to above-mentioned term is not necessarily referring to identical embodiment or example.
And, the specific features of description, structure, material or feature can be to close in any one or more embodiments or example
Suitable mode combines.
Above content is only to present configuration example and explanation, affiliated those skilled in the art couple
Described specific embodiment makes various amendment or supplements or use similar mode to substitute, without departing from invention
Structure or surmount scope defined in the claims, all should belong to protection scope of the present invention.
Claims (5)
1. insurance kind self-service insurance vending system more than a kind, it is characterised in that: include
Subscription client, is used for gathering userspersonal information and completing user operation；
User profile authentication unit, uses checking note to verify user profile；
Product selects unit, it is provided that each insurance kind details are read for user and select；
Product buys unit, for user to selecting product to buy；
Exception processing unit, for processing system unexpected abnormality event；
Short message sending unit, for sending abnormal information note to system administration unit and sending checking note to user；
And system administration client, it is managed operating to system for system manager；
Wherein, described subscription client and user profile authentication unit, product select unit, product to buy unit communication even
Connecing, described user profile authentication unit, exception processing unit are all connected with short message sending unit communication, and described product selects
Unit is bought unit communication with product and is connected.
One many insurance kinds self-service insurance vending system the most according to claim 1, it is characterised in that: described subscription client bag
Include the ID card information harvester for gathering address name, sex and date of birth, for gathering user's contact method and complete
Become the module that manually enters of user operation, and return the display module of data for display system.
One many insurance kinds self-service insurance vending system the most according to claim 1, it is characterised in that: described product buys unit
Including for user to selected give danger product complete buy operation give danger product buy module and for user to selecting
The danger product of paying selected completes to buy the paying danger product of operation and buys module, and described product is bought unit and presentation for payment believed
Breath is sent to the display module of subscription client and shows, user completes by manually entering module according to presentation for payment information
Payment operation.
One many insurance kinds self-service insurance vending system the most according to claim 3, it is characterised in that: described danger product of giving is bought
Module includes activating card authentication sub module, activates the card number of card for obtaining user, and activates user and activate card.
One many insurance kinds self-service insurance vending system the most according to claim 3, it is characterised in that: described paying danger product is purchased
Buy module and include that e-Bank payment submodule and Alipay pay submodule.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610628728.8A CN106157149A (en) | 2016-08-03 | 2016-08-03 | A kind of many insurance kinds self-service insurance vending system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610628728.8A CN106157149A (en) | 2016-08-03 | 2016-08-03 | A kind of many insurance kinds self-service insurance vending system |
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| Publication Number | Publication Date |
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| CN106157149A true CN106157149A (en) | 2016-11-23 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610628728.8A Pending CN106157149A (en) | 2016-08-03 | 2016-08-03 | A kind of many insurance kinds self-service insurance vending system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108257019A (en) * | 2017-04-06 | 2018-07-06 | 平安科技（深圳）有限公司 | The examination price quoting method and device of a kind of declaration form |
| CN108510139A (en) * | 2017-02-24 | 2018-09-07 | 富邦产物保险股份有限公司 | Enterprise insurance risk assessment and insurance planning system and method |
| CN109658262A (en) * | 2018-12-11 | 2019-04-19 | 泰康保险集团股份有限公司 | For managing the method, apparatus, equipment and storage medium of declaration form value-added service |
| CN115797087A (en) * | 2023-01-05 | 2023-03-14 | 优保联(北京)科技有限公司 | Insurance policy escrow system |
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| CN101354767A (en) * | 2007-07-27 | 2009-01-28 | 周家民 | Safety network selling system |
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| CN104063966A (en) * | 2013-03-22 | 2014-09-24 | 中国太平洋人寿保险股份有限公司 | Intelligent mobile insurance sales service platform and service flow realizing method |
| CN105162993A (en) * | 2015-10-28 | 2015-12-16 | 深圳市大悦智能科技有限公司 | Automatic surveying method for mobile phone screen breaking insurance |
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Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101354767A (en) * | 2007-07-27 | 2009-01-28 | 周家民 | Safety network selling system |
| CN101815263A (en) * | 2009-02-20 | 2010-08-25 | 广州市盛联网络科技有限公司 | Sale system capable of realizing insurance card products by using mobile short message service |
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| CN104063966A (en) * | 2013-03-22 | 2014-09-24 | 中国太平洋人寿保险股份有限公司 | Intelligent mobile insurance sales service platform and service flow realizing method |
| CN105162993A (en) * | 2015-10-28 | 2015-12-16 | 深圳市大悦智能科技有限公司 | Automatic surveying method for mobile phone screen breaking insurance |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108510139A (en) * | 2017-02-24 | 2018-09-07 | 富邦产物保险股份有限公司 | Enterprise insurance risk assessment and insurance planning system and method |
| CN108257019A (en) * | 2017-04-06 | 2018-07-06 | 平安科技（深圳）有限公司 | The examination price quoting method and device of a kind of declaration form |
| CN109658262A (en) * | 2018-12-11 | 2019-04-19 | 泰康保险集团股份有限公司 | For managing the method, apparatus, equipment and storage medium of declaration form value-added service |
| CN115797087A (en) * | 2023-01-05 | 2023-03-14 | 优保联(北京)科技有限公司 | Insurance policy escrow system |
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Application publication date: 20161123 |