Supporting Insurance Broker of E-Commerce by Developing An Intelligent Agent Program

[[abstract]]購買保險時，經常面臨到一個問題，即究竟什麼樣的保險商品才真正符合個人需求，以及需要投保多少額度才足夠？上述問題屬於個人保險規劃之範疇，基本上可以透過保險領域的專家，運用其專業知識以及過去的實務經驗，推論分析得到解答。然而保險專家很難提供客戶全天候的服務，因此，為了讓客戶更容易獲得完善的個人保險規劃服務，以及提供保險輔助人對客戶進行保險規劃時之決策判斷支援，本文將在網際網路的架構下，運用智慧型代理人(IntelligentAgent)之技術，開發一套具備線上(online)執行、知識擷取與推論機置功能的網際保險智慧型代理人系統(InternetInsuranceIntelligentAgentSystem,“pronouncedTripleIAgentSystem-TIAS”)，以作為線上個人保險規劃服務之輔助工具。 TIAS能藉由擷取保險專家之專業知識經驗與判斷能力，支援保險輔助人於從事保險行銷業務時之決策支援輔助，並利用網際網路無時間限制(anytime)、無地點限制（anywhere）以及無對象限制(anyone)之特性，讓消費者可以在任何時間、地點上網執行本系統，以作為可同時支援保險輔助人之業務工作以及提供客戶於投保時之個人保險規劃建議的輔助系統，進而促進保險電子商務行銷之推行。 本文於系統之實證測試中，設計遺族生活費用與退休養老準備兩種投保目的之推論知識庫，並套入幾個範例實際進行測試與系統評估。測試過程中，系統給予各個範例之保險規劃建議皆能忠實呈現知識庫之推論規則，並與預期結果相符合。經由本文之實證結果，顯示透過此智慧型代理人系統提供個人保險規劃之服務相當具有可行性。[[abstract]]When people want to buy insurance, they will get problems that are “ What kinds of insurance products are they really need? And which range is enough?” Those questions belongs to personal insurance planning area, and you can through the insurance specialist who exerts their professional knowledge and experience to infer and analyzed the answer that you really need. However, the insurance agent is difficult to stand-by all day to serve their customers. They want to give their customers more prefect insurance planning service and more support. They will supply an insurance assistant who help customers to make a decision when they are doing a planning, and that is the reason I choice this topic to be my dissertation. The dissertation construction is established on Internet. It used an intelligent agent soft-programs skill to develop the “Internet Insurance Intelligent Agent System, pronounced (Triple I Agent System-TIAS)” that including execute online, acquire knowledge and infer function tools. TIAS can get knowledge and judgment from the insurance agent, and it can support they doing their insurance business in anywhere, anytime and anyone, especially to support people when they have to make a decision in insurance business. It can make customers to use this system in anytime and anywhere. It also support insurance agent to handle their business and to suggest customer when they have to do their personal insurance planning. These ways will promote electronic insurance business market. In our positivism test system, we make two hypothesize which is legatee’s live cost and prepare superannuating. We give some exemplification to do the test and evaluation. In our test process, system give each exemplifications insurance planning suggest, and that can be truly to represent the rule of reasoning. It correspond the expect result. After our positivism test, the intelligent agent soft-program can apply insurance planning’s service to personal. It really can be useful