Research on Planning and Design of Enterprise Electronic Commerce System
Abstract: With the increasing development of Internet technology, e-commerce, as a new business model, is widely used and rapidly developed in all walks of life in China. However, the increasingly fiercely competitive insurance industry in China is not far behind, investing a lot of financial resources, material resources and manpower to develop a new insurance management method-insurance e-commerce. Introduced the meaning of insurance e-commerce, and the current status of China's insurance industry application of e-commerce; classified the main modes of China's insurance e-commerce website; finally predicted the development prospect of e-commerce application in China's insurance industry.
Keywords: e-commerce insurance e-commerce third-party website
1 The rapid development of Internet technology in recent years has prompted the emergence of e-commerce
Since the 1990s, with the vigorous development of the Internet, e-commerce has also risen rapidly. Electronic information technology and network economy have rapidly entered various industries such as industry, agriculture, trade and financial services, showing the trend of e-commerce. The insurance industry, which is a major pillar of the financial industry, is closely linked to information. Insurance is a promise, an intangible product, and a service product. Every link in insurance is inseparable from information. The development of information technology has a huge impact on the insurance industry. Especially in recent years, the development and popularization of Internet technology are changing with each passing day. The immense business opportunities contained therein have caused countless businesses to turn their attention to e-commerce. Therefore, a brand-new insurance management method—insurance e-commerce came into being. As an emerging marketing channel and service method, online insurance is being used by insurance companies and consumers in more and more countries for its low cost, large amount of information, instant transmission and feedback, and continuity of service. Recognize and accept. In foreign countries, the development of online insurance has become quite mature, becoming the "fourth troika" after individual insurance, group insurance and bank insurance.
2 The meaning of insurance e-commerce
Most insurance companies in developed countries have applied e-commerce networks to serve their customers, and have achieved gratifying results. The development momentum is very strong. E-commerce provides a new way for mankind to manage business transactions. Therefore, understanding e-commerce has become a problem that modern enterprises, especially financial services, must face. So, what is e-commerce? Electronic Commerce (Electronic Commerce) in a broad sense refers to the use of electronic tools (telephone, fax, radio, television, network) to engage in business activities, such as market analysis, customer contact, material allocation, etc. The narrow sense of e-commerce mainly refers to the use of the Internet to carry out business activities. According to the definition of e-commerce, insurance companies or insurance intermediaries use the Internet and e-commerce technology as tools to support the economic behavior of insurance business management activities, which can be called insurance e-commerce (online insurance).
The author believes that insurance e-commerce refers to an integrated human-machine system that uses insurers or insurance intermediaries to use computer and network technologies to manage internal organizations, manage customer relationships, and partially or fully electronicize business operations. Business activities. This business activity may be parallel or integrated with the original traditional business. Therefore, people in the industry generally believe that insurance e-commerce contains two levels of meaning.
In a narrow sense, insurance e-commerce refers to insurance companies or new online insurance intermediaries providing customers with information about insurance products and services through the Internet, and implementing online insurance and underwriting insurance services to directly complete the sale and service of insurance products , And the bank will transfer the premium to the insurance company.
Broadly speaking, insurance e-commerce also includes the operation and management activities of insurance companies based on Internet technology, training of company employees and agents, and between insurance companies, insurance companies and company shareholders, insurance supervision, taxation, business administration, etc. Information exchange activities between agencies.
3 Development status of China's insurance e-commerce
After 25 years of development, China's insurance industry has achieved tremendous achievements, the insurance market has been widely expanded, and the insurance industry has become an important part of the national economic life. However, the development of China's insurance industry has just started, and the operation and management of the insurance industry are still far behind the advanced levels of developed countries in the world. In addition, from December 11, 2004, China has followed its commitments at the time of WTO accession. In order to fully open the market to foreign-funded insurance companies, the competition in the insurance industry is becoming increasingly fierce. In order to be invincible in the market competition, China's insurance companies have invested a lot of financial resources, material resources and manpower to develop this new business model of e-commerce and introduce e-commerce into China's insurance industry. But compared with developed countries, the application of e-commerce in China's insurance industry is still in its infancy. China's online insurance business can only be in the supplementary position of the traditional insurance business. Online insurance in the true sense still needs a certain development process.
China ’s first insurance website was founded in 1997 by the China Insurance Association and Beijing Vision Investment Consulting Co., Ltd.—China Insurance Information Network, which is the earliest third-party website in the insurance industry in China. On November 28 of the same year, China ’s first online insurance policy promoted by the China Insurance Information Network for Xinhua Life Insurance Company marked that China ’s insurance industry had just entered the network. Since then, with the strong support of competent authorities, industry organizations, insurance companies, and insiders and outsiders, China Insurance Network has been the largest and most comprehensive, authoritative, and influential comprehensive website in the insurance industry in China. Ranked first in domestic similar websites. It has become an electronic information window for the Chinese insurance industry and an online communication channel for all aspects of the insurance industry, and has made positive contributions to promoting the development of the domestic insurance industry informatization.
On August 15, 2000, the Pacific Insurance e-commerce website () marked the birth of China's insurance industry's first national and global insurance network. This is the face of the fierce competition in the Pacific insurance company's commitment to the construction of insurance e-commerce A major initiative. In March 2001, Pacific Insurance Beijing Branch began to cooperate with Langluo, opened the "net god", launched more than 30 types of insurance, and started the real online marketing of insurance. The monthly premium reached 990,000 yuan, which made the industry see the great charm of online marketing in the insurance industry.
While other domestic insurance companies have opened their own e-commerce websites to actively explore online marketing, the online marketing channel function of insurance e-commerce has gradually emerged. On August 18, 2000, China's first comprehensive, integrated financial service group with insurance as its core, integrated securities, trust, banking, asset management, corporate annuity and other diversified financial services-Ping An Insurance (Group) Co., Ltd. officially launched PA18 (), a one-stop integrated financial management website, and Ping An strides into e-commerce. The operation of the 3A service system composed of Ping An Store Service Center, Ping An Telephone Center and Internet Center marks Ping An ’s customer service to the international level, and its powerful personalized function has set a precedent in China. On September 22, Taikang Life Insurance Co., Ltd. exclusively invested and constructed a large insurance e-commerce website-"Taikang Online" (), which was considered to be the first domestic investment and construction of a life insurance company that truly achieved online The insured website is also the first website in China that has passed the insurance CA certification.
At the same time, insurance websites set up by non-insurance companies (mainly internet companies) are also surging. The most influential one is the establishment by a dozen insurance companies such as China Life, Ping An, Pacific, AIA, etc. EBaoTech () developed and operated by Technology Co., Ltd. Through eBaoNet Plaza, customers can objectively compare insurance products such as pension, medical, accident, and wealth management of various insurance companies; they can obtain customized personalized insurance solutions through online bidding; provide common sense of wealth management, insurance, and claims; Provide online direct sales professional services such as vehicle insurance and family property insurance. And insurance companies, insurance intermediaries, and insurance related institutions can all set up personalized monopoly areas on this platform. Customers only need to browse on one website to complete insurance consultations for dozens of large domestic insurance companies, especially their launch. Insurance demand assessment tools, like online calculators, as long as customers enter their personal needs on the webpage, the server can automatically list each insurance webpage and complete the premium payment by credit card. From here, we can see that eBaoTech Online Insurance Plaza is committed to providing a neutral and objective common platform for online communication and transactions for insurance buyers and sellers and insurance-related institutions and industries; helping customers easily understand, compare, and purchase insurance ; Help insurance companies and insurance agents develop customer resources, improve work efficiency, and improve service quality through new online channels; help insurance-related service organizations and industries reduce service costs and improve service quality.
The data processing of e-commerce system can be divided into three methods: centralized data processing, distributed data processing and collaborative data processing. In the centralized data processing mode, all data is stored in the central system and managed by the database management system. All processing is done by the central system. The terminal is a client, which is only used for input and output, and does not do any processing itself. However, because the performance of personal computers has been greatly improved, it is possible to distribute the processing power to all computers on the network, which also makes distributed data processing methods widely used. In the cooperative data processing mode, the computers in the system can jointly process data, and the processing can be implemented in a centralized manner or in a partitioned manner. Collaborative computing allows each computer to work together on a common task. This method is faster than running on only one client computer; collaborative computing allows computers to share processing power across the entire network and can be used on other computers. Processing power to complete the task. In addition to having the ability to process tasks on multiple computer systems, this type of network is similar to distributed computing in terms of shared resources. Enterprises should choose the corresponding data processing method according to their own e-commerce application needs.
4 Technical framework for enterprise e-commerce system design
Enterprise e-commerce system development architecture system must highlight the following characteristics: conducive to software maintenance and system management; meet the security of application systems, facilitate business-level authority management; improve system performance, reduce network data traffic and improve database response speed; early protection Existing application systems have strong expansion capabilities. The application system hierarchy is as follows:
(1) Basic system platform. Refers to the part that provides the underlying support for the application system, including the network (intranet, Internet), hardware platform (server, storage backup device, etc.), operating system (Unix / Windows / Linux, etc.), database management system, etc. .
(2) J2EE architecture platform. Due to its cross-platform features, object-oriented features, and security features, Java technology has become the de facto standard for building enterprise-level applications. J2EE (Enterprise Java) organically integrates database access, enterprise Java components, naming and directory services, dynamic page generation, XML, message services, transaction services, etc., and provides advanced features such as clusters, making it particularly suitable for construction Complex large-scale applications, and to ensure that the system has good scalability.
(3) Business platform. When an enterprise builds its own e-commerce platform, many specific business platforms are involved. The business architecture platform is a new-generation business system basic operating environment, which can achieve the organic isolation between the basic technology platform and the business application system. It is related to the application architecture platform, but not to the basic technology platform, and provides some basic and common components. For enterprise-level applications, the enterprise portal component with information portal and transaction portal as the core, and the system management component with office automation software OA as the core are the key points. The system can also include a supply chain management component with invoicing, inventory and customer service centers as the core, financial management components with accounting, statements and cost accounting as the core, production planning, workshop management, engineering management, quality management, and equipment Production management components with management as the core, business intelligence and decision support components with data warehouse and decision support as the core, and other business components such as human resource management, scientific research management, logistics management, and finally form a comprehensive enterprise electronic management solution product portfolio .
(4) Portal website. Provide various information services, exchange data with the corporate intranet and private network through a secure isolation channel (firewall), and realize unified data reception and publication.
(5) Maintenance and management platform. Provide various management and maintenance functions for the system, including user management, authority management, content maintenance, data backup, security audit, etc.
(6) Security solutions. Provide a security solution for the system, including network, hardware, operating system, database, application system, personnel management, etc., is a comprehensive solution. At present, the most widely used is PKI technology, including CA certification authority, RA system, key backup and recovery system and other parts.
references
1 Daniel Amo. E-commerce: Change and Evolution [M]. Beijing: Machinery Industry Press, 2003
2 Sun Baowen, Wang Tianmei. Construction and Management of Electronic Commerce System [M]. Beijing: Higher Education Press, 2002
3 Hong Lan, Wu Commune. Planning and design of e-commerce system for manufacturing enterprises [J]. China Electromechanical Industry, 2005 (6)
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