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Insurance product creating method and system based on insurance elements and factors

A factor and factor technology, applied in the field of insurance product creation methods and systems based on insurance factors and factors, can solve the problems of complex process, time-consuming, unreasonable system architecture creation, etc., and achieve the effect of rapid design and easy structure.

Inactive Publication Date: 2016-07-27
ANYCHECK INFORMATION TECH
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Problems solved by technology

[0003] The main purpose of the present invention is to provide a method and system for creating insurance products based on insurance elements and factors. technical issues

Method used

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  • Insurance product creating method and system based on insurance elements and factors
  • Insurance product creating method and system based on insurance elements and factors

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Embodiment Construction

[0029] In order to further illustrate the technical means and effects of the present invention to achieve the above objectives, the specific implementation, structure, features and effects of the present invention will be described in detail below in conjunction with the accompanying drawings and preferred embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0030] To achieve the purpose of the present invention, the present invention provides an insurance product creation system based on insurance elements and factors, which establishes, standardizes and manages basic insurance elements and factors in advance, and then uses these basic elements to create coverage. Thus, the number of different coverages can be kept small, and the differences between these coverages are well structured and manageable. Subsequently, using these risk factors, various insurance produ...

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Abstract

The invention discloses an insurance product creating method and system based on insurance elements and factors. The method includes steps of receiving insurance factors input by a user and converting the insurance factors to standard factors, wherein the factors are meta data related to one or a plurality of insurance elements; determining the incidence relation between the factors and the insurance elements; determining insurance coverage ranges according to the incidence relation; creating insurance objects; and creating an insurance product based on the insurance coverage ranges and the insurance objects. According to the invention, the insurance coverage ranges and the insurance objects can be created through establishing, standardizing and managing basic insurance elements and factors in advance and according to the incidence relation between the insurance factors and the insurance elements. The quantity of the different insurance coverage ranges can be kept small and the insurance coverage ranges are different in structuralization and are easy to manage. A plurality of insurance products can be provided through combination and division according to market change, so that quick design of the insurance products is realized.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method and system for creating insurance products based on insurance elements and factors. Background technique [0002] The insurance industry considers many variables when designing and marketing different insurance products. For example, different factors are used when designing insurance products for different insured objects and / or geographic regions. In order to adapt to changes in customer and market needs, insurance companies need to constantly design new insurance coverage for various events, as well as new insurance products for various insured objects. For example, if a market opportunity arises, an insurance company may want to redesign its insurance coverage and develop new insurance products to profit from that market opportunity. However, this process of designing or redesigning a system using existing insurance products is often complex and time-consum...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 张贯京陈兴明李荣秀高伟明
Owner ANYCHECK INFORMATION TECH
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