Self-service insurance method and insurance self-service teller suitable for same method

Abstract

The invention relates to a self-service insurance method and an insurance self-service teller suitable for the same method. The method is characterized in that the self-service teller sends an insurance scheme customized by a user to an insurance service network, insurance management systems of multiple insurance mechanisms accessed to the network make offers, and after the user selects an insurance mechanism, the user pays insurance premium through the self-service teller or other modes to obtain an insurance policy. The self-service teller mainly comprises a card reader, a touch screen, buttons / a keyboard, a display, a printer and a host. The invention enables the user to achieve insurance, renewal of insurance, payment, insurance policy printing, querying and the like on the self-service teller, so that the user is greatly facilitated, the cost of the insurance industry is reduced, and the efficiency is improved.

Description

technical field [0001] The invention relates to a self-service insurance method, and also relates to an insurance self-service teller machine suitable for the method. Background technique [0002] Automatic self-service teller machine (ATM, which can be referred to as self-service teller machine) is a common device for self-service bank deposits and withdrawals. Insert the bank card into the corresponding socket of the self-service teller machine, and the self-service teller machine will automatically read the relevant information in the bank card. Enter the password and the business information required to be handled by means of buttons and buttons, etc., which can automatically realize various banking services such as deposits, withdrawals, account inquiries, transfers, and electronic payments. Interact with the server of the institution, obtain the relevant information recorded in the server, and store the business information. At present, the business that can be handled...

AI Technical Summary

Problems solved by technology

[0003] However, in the insurance industry, although the number of insurance policies per capita in China is currently growing rapidly, there is still no interconnected organization and network system similar to UnionPay, and there is no such system that can complete multiple inquiries, insurance purchases, premium payments, renewals, inquiries, refunds, etc. The self-service teller machine that can realize the printing of the insurance policy is not conducive to the rapid application and query of the user's policy, and is not conducive to the comprehensive management of policies from different insurance institutions

Some of the basic conditions for realizing the above-mentioned interconnection have been initially formed. For example, the historical policy and claim data of auto insurance already exist in the CITIC data platform, but have not been effectively used; the traffic control system saves vehicle information and historical records of violations. etc., but this information is only open to insurance companies for charging, and ordinary financial institutions cannot effectively use this information

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