| 摘要 |
PURPOSE: A multi-functional card insurance gift certificate is provided to enable any person to sell and distribute an insurance by commercializing a formless insurance commodity in an insurance company or an insurance agency through a multi-functional insurance gift certificate. CONSTITUTION: A user is connected to an insurance company or insurance agency web site(12A), a call center(12B), an operator terminal(13), an insurance gift certificate operating sever(14) through an Internet network(10C), a PSTN(Public Switched Telephone Network), or a mobile telephone network(10D) which connects a personal terminal or a telephone(10A,10B). A payment gateway or VAN(15) is connected to an on-off member store(18A,18B). A payment server(16) is connected to an insurance agency(17), a bank, or a credit card company(19) for calculation and charging. An insurance gift certificate operating system(11) is implemented by an intelligent network platform. The payment server(16) and the insurance gift certificate operating sever(14) are connected to database server(14A,16A).
|
