KR20010112029A - a contracting method for a insurance in on-line of internet - Google Patents

Abstract

The present invention relates to an online contract method in which an insurer and a contractor can easily and reliably mutually agree on an insurance contract. It is an insurance contract method that can input the ID and the digital signature of the contractor and input the contractor's ID and the digital signature for the verification procedure of the notice obligation.

In addition, the present invention provides an online insurance contract execution method in which an insurer and a contractor enter into a contract online using the Internet;

When the insurer transmits the insurance contract terms to the contractor online, the contractor enters into the insurance contract by inputting and transmitting a predetermined identification code between the insurer and the contractor online.

According to the present invention, according to the present invention, by informing the parties about their intentions in an easier and more practical way than between other methods, it is necessary to satisfy the current laws and regulations on commercial law and terms and conditions on insurance. There is an effect that the insurance contract is actually made online by simply making the insurance contract without additional burden.

Description

{A contracting method for a insurance in on-line of internet}

The present invention relates to a simple and reliable online contract method between the insurer and the contractor in the insurance contract, and more specifically, to the insurance contract between the parties to present the terms online, and whether the contractor is familiar with It is an insurance contract method that allows you to trust each other while avoiding complicated procedures by entering the ID and password of the contract and entering the contractor's ID and password for the verification procedure of the notice obligation.

An insurance contract is effective by paying a premium paid by one of the parties, and by encouraging the other party to pay a certain amount of insurance or other benefits in the event of an indeterminate accident in respect of property, life or body. It is distinguished from general catering contracts requiring seal stamps. In addition, in order to prevent unnecessary disputes between the insurer and the contractor parties, the insurer shall indicate to the customer the contents of the terms and conditions in the manner expected in accordance with the type of contract (considering obligations) in the conclusion of the contract. A copy of the terms and conditions shall be issued to the customer so that he or she may be informed (due to the issuance), and the insurer shall explain to the customer the important content for which the terms and conditions are defined (the duty of explanation).

In addition, when the contractor or the insured did not notify important matters due to intentional or gross negligence at the time of the insurance contract, or when the insurer gave notice of insolvency, within three months from the date of signing the contract, the insurer shall not exceed that month. You may terminate the contract only. Therefore, the contractor is obliged to inform about important matters.

In this way, the insurer and contractor shall fulfill the obligations of express, duty of explanation, duty of explanation, and obligation of delivery to the other party, and in case of off-line as evidence of the performance, the insured shall sign the contractor. Have been demanded.

In addition, the insurance contract method on the Internet using the Internet is also specified in the terms and conditions online on the Internet using the Internet, but the conclusion of the contract in the same way as the conventional method that the contractor and insurer meet in person and sign the signature, or is authorized agency It is common to use an electronic signature.

However, the signing and signing of the contractor and the insurer in person in the past are not the same as the off-line operation method that follows the conventional method. As a result, no actual insurance contracts have been made online, and excessive labor and management costs, which are offline problems, cannot be reduced, and thus the contractors cannot benefit from online contracts.

In addition, there are many problems of the digital signature agency that are insufficient when using a digital signature certified by an accredited institution, and many contractors are inexperienced in using the digital signature. Given the burden, we cannot expect insurance contracts online.

Accordingly, the present invention has been made to solve such problems, and an object of the present invention is that the insurance contract does not require a specific food act, and the insurer and the contractor can fulfill their obligations to each other, and a simple manner To provide a way to check with the

In addition, the present invention is to provide a method and apparatus that can be solved when a dispute arises over the contents of the terms and notices between the insurer and the contractor after the conclusion of the insurance contract.

1 is a diagram illustrating an internet network connection for illustrating an insurer, a contractor, and terminals related thereto in the first embodiment of the present invention.

2 shows a schematic diagram of an insurance contract system according to a first embodiment of the present invention.

3 is a flowchart for explaining a first embodiment of the present invention.

4 is an exemplary view of the terms of the present invention.

5 is a flowchart of a second embodiment of the present invention.

6 is a memory map showing a data storage format of an encryption file DB.

7 is a block diagram illustrating an embodiment of a notary system of the present invention.

Features of the present invention for achieving the above objects,

An online insurance contracting method in which an insurer and a contractor enter into a contract online using the Internet;

When the insurer transmits the insurance contract terms to the contractor online, the contractor enters into the insurance contract by inputting and transmitting a predetermined identification code between the insurer and the contractor online.

In addition, the predetermined identifier is another feature of the present invention that the contractor uses a unique number and password registered when the contractor registers as a member of the site of the insurer.

In addition, it is another feature of the present invention that further includes the step of notifying the contractor about the notice and inputting and transmitting a predetermined identification code thereto.

In addition, another feature of the present invention is the insurance contract system operated by the insurer, the contractor's terminal is connected to the communication network, the contractor online insurance contract execution method to conclude the contract on-line by reacting according to the screen transmitted from the insurance contract system As

A first receiving step, in which the insurance contract system receives a password inputted by a contractor as an indication of agreement on the insurance terms transmitted from the insurance contract system;

And a second reception step of receiving a notice transmitted by the contractor and a password for confirming the notice.

Further, in the present invention, after the second receiving step, the insurance contract system transmits a contract for confirming the conclusion of the contract to the terminal of the contractor, and receives a password inputted and transmitted by the contractor as an indication of confirmation. It includes three receiving steps.

In addition, another feature of the present invention is an insurance contract system operated by the insurer, the terminal of the contractor, notarization system is connected to the communication network, the contractor responds according to the screen transmitted from the insurance contract system online insurance contract to conclude the contract online In a fastening method;

The insurance contract system enters the ID and password of the contractor, logs in, selects a particular insurance product, transmits the terms and conditions for the insurance product, and receives the electronic signature entered as an indication of the agreement. 1 digital signature receiving step; And

The insurance contract system transmits preliminary notice data to the contractor, receives a notice of the contractor's notice response to the notice data, and receives an electronic signature for input as an indication of confirmation. It characterized in that it comprises a receiving step.

In addition, the present invention is an electronic signature is a letter or number different from the password entered at the time of login, the password is processed, the terms and notices response information is generated as a storage file having a header including the encrypted electronic signature Characterized in that it further comprises a password file generation step stored in the password file database in the insurance contract system.

The insurance contract system may further include transmitting data stored in the cryptographic file database to the notarization system to generate a cryptographic file database in the notarization system. By inputting the digital signature into the notary system, it is possible to read the contract contents stored in the encrypted file data file database.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a diagram illustrating an internet network connection for illustrating an insurer, a contractor, and terminals related thereto in the first embodiment of the present invention.

The contractors for using the insurance contract system of the present invention access the insurance contract system using a communication network including the Internet, view various forms provided by the insurance contract system, and download the transmitted data as necessary. to receive it. It is not necessary to use the Internet as a method of making an insurance contract using the insurance contract system, but since it is the most common communication method, it will be explained on the premise that a contract is made using the Internet. In addition, in order for general users to become final insurance contractors, membership of the site provided by the insurance contract system is not essential, but since it is possible to receive benefits provided by various insurance contract systems, Let's explain.

The insurance contract system 100 of the present invention is connected to the Internet network, and the terminals of the contractors are

200 is connected. Since the contractors are always connected to the Internet network by their terminals, the term terminal 200 of the contractor is simply referred to as a contractor. In addition, various insurers 300 wishing to conclude a contract using the insurance contract system 100 may be connected, and various institutions for cash distribution between the contractor and the insurer may exist, but a bank 400 represented by a bank is connected.

In addition, in the Internet network of the present invention, a system of a trusted second institution that can prove the contents of the terms and conditions, the contents of the notice, and the contract conclusion in preparation for a dispute about the contents of the terms and the notice (hereinafter, referred to as notary system) 500 is connected.

2 shows a schematic diagram of an insurance contract system according to a first embodiment of the present invention.

The insurance contract system 100 of the present invention is a web transmission and reception unit 20 for transmitting data in a specific form using a web browser to a contractor who is a client, and receives the transmitted data; A database unit 30 for classifying and storing the data received from the contractor; And a processing unit 10 that performs a specific process required by the insurance contract system.

Web transmission and reception unit 20 is provided with a plurality of pre-formed web pages 22 to be sent to the contractor. A contractor can conclude a contract by responding to the web pages. In addition, the web transmission and reception unit 20 is provided with a server engine 23 to perform a variety of processing for the contractor's response, and if necessary transmit the data transmitted from them to the processing unit 10 and the database unit 30, or vice versa. Also, send and receive e-mail with the contractor. At this time, the contractor, which is a client, cannot directly access the processing unit 10 and the database unit 30, and is always connected to the web transmission / reception unit 20 to access the system of the present invention.

In addition, the processing unit 10 is a qualified person who judges the eligibility by reviewing the firewall process for preventing unauthorized access, the payment process for processing the payment relationship with the bank, the notice of the contractor and the reason for restriction of the insurance product. A library 13, which is provided with a program such as a decision process, an operation process for controlling operations in the processing section 10, and a processing engine 12 for executing a program in the library 13, are provided.

In addition, the database unit 30 includes a DB34 for storing various information, a search engine 32 for searching for data stored in the DB34, and a DB engine 33 for managing for optimization of various DBs. Types of DB34 include member information DB, insurance type DB, insurance description DB, application form DB, subscription DB, terms and conditions DB, notice DB, notice response DB, restriction reason DB, contractor DB, contractor response DB, ineligible reason DB Etc.

The member information DB stores the member's personal information such as the member's social security number, address, name, occupation, current insurance, age, and hobbies.

The insurance type DB stores information on the types of insurance to be processed in the insurance contract system 100.

The insurance description DB is a general description of each type of insurance and mainly stores the advantages of other insurances.

The application form DB stores the contents of the application form for each insurance (insurance policy).

In the subscription contents DB, the contents entered by the contractor in the subscription application are classified and stored.

Glossary DB is a DB that preliminarily explains the vocabulary that is difficult to understand as it is presented to the contractor. When a specific vocabulary is selected from the view screen, it is linked to this vocabulary and transmitted to the contractor. to be. In this case, the term description DB may be in the form of a text, a voice signal, or a video.

Notice DB is the information that the contractor is notified to the insurer is stored information about the notice consisting of obligations.

Notice response DB is a DB that stores the result of the contractor's response to the notice sent to the contractor.

Restriction Reason DB is a database in which items for limiting the contractor's qualification for the insurance product are stored.

The ineligible reason DB is a database that stores the contents notified to the contractor about the ineligible reasons for being insured for a particular insurance.

The contract response DB is the time when the data was sent to the contractors, the time of response, the type of reaction, the address of the terms and conditions DB where the terms and conditions presented to the contractor were stored, the address of the notices DB where the proposed notices were stored, and the notices where the notice information was stored. DB where the address of the response DB is stored.

The contractor DB is a database that stores information about a contractor who has successfully concluded a contract.

Further, the processing unit 10, the web transmission and reception unit 20, and the database unit 30 are provided with respective transactions for data transmission and reception.

3 is a flowchart for explaining a first embodiment of the present invention.

When the contractor accesses the insurance contract system 100, if the member is a new member, the bibliographic details such as the resident registration number, address, name, and the ID and password for logging in to the site operated by the system 100 in the future are described. In order to be able to do so, the web transmission and reception unit views the registration form to the terminal of the contractor (31). When the membership is completed and the member is registered (32), such member information is stored in the member information DB. When the contractor registered as a member accesses the site, the insurance category classified by each field is searched from the insurance category DB according to the contractor's request, and the contractor is viewed according to the prescribed form of the web page. When the contractor selects a particular insurance, the description of the specific insurance is retrieved from the insurance description database and explained to the contractor to explain the selected insurance. When the contractor sees a description of the insurance and sends a response that he or she wants to apply for, he submits the insurance application form (insurance policy) to the contractor. When the contractor completes the prescribed fields in the subscription application form and sends his / her member ID and password (33) and (34), the web transmission / reception unit 20 transmits it to this database unit 30, and submits to the subscription contents DB. Simultaneously with storing, the data is transmitted to the processing unit 10, and the processing unit 10 transmits the data of the relevant terms and conditions stored in the terms and conditions DB to the web transmission unit 20, and the web transmission and reception unit views the contractor in a specific page format (35). In this case, the vocabulary determined to be difficult to understand by the contractor is linked to the glossary DB. When the contractor selects the vocabulary, the explanatory part is drawn from the glossary DB and is viewed by the contractor. In this case, the term description DB may be in the form of a text, a voice signal, or a video. As such, when the presentation of the terms and conditions is finished, the contractor is asked to enter the member ID and password in the sense that they fully understand the terms and conditions presented as shown in FIG.

(36). When the step 36 is completed, this agreement is stored in a specific area of the terminal of the contractor by the push technology (40). In addition, the contractor selects the notice, and when such a response is transmitted, the web transmission / reception unit 20 retrieves the notice required for the insurance from the notice DB and views it to the contractor, and the contractor asks the contractor for each notice. When the contractor finishes, the member ID and password are input as in step 36 (37) and (38). As such, when the notice of the contractor is input to the notice, the content of the response is stored in the notice response DB (41) and simultaneously entered into the qualified judgment process of the processing unit 10, and the qualified decision process is restricted. The reason for the insured's restriction on the relevant insurance product is withdrawn from the reason DB, and the notice notified from the notice response DB is determined to determine whether the contractor is eligible as the insured of the insurance product selected by the contractor under a predetermined program (39). If the insured person is eligible for the selected insurance, the contract can be concluded and finally the intention to conclude the contract is entered into. In addition, the insurer notifies that the contract has been completed successfully, and enters the contractor's information into the contractor DB. In the contractor DB, information on insurance types, notice response information, and proposed terms and conditions are stored so that the relevant data can be retrieved during the contract process in the database. If you are ineligible as an insured person, you can withdraw the reason from the ineligible reason DB, view it to the contractor at the web site, or send it by e-mail separately.

The insurance contract system of the present invention having the above-described configuration and processing process can act as a signing part of the insurance contract with a specific insurer's infrastructure, and also, an intermediary server that brokers the signing part by entrusting a plurality of insurers. Can operate as

5 is a flowchart of a second embodiment of the present invention.

In the second embodiment, a system and method for resolving the dispute in the case of a dispute about the contents of the terms and conditions presented to the contractor from the insurance contract system 100 in the first embodiment and the notices transmitted by the contractor to the insurance contract system, In the second embodiment, the encryption part is added in the first embodiment, but since much of the same system is formed, the description of the same part will be omitted.

In the library 13 of the processing unit 10 of the insurance contract system 100 of the second embodiment, an encryption processing unit and an encryption reading unit are added to the first embodiment. The encryption processing unit is a processor that encrypts a specific letter or number when it is input by using a specific algorithm. [0037] In the insurance contract system 100 of the second embodiment, an encryption file DB is added to the database unit 30.

As shown in Figure 5, the response information for the terms and notices presented for dispute settlement is stored in the contractor DB and the encryption file DB of the contract system 100. As such, in order to store the contents in the two storage places, the contractor logs in by accessing the homepage of the contract system 100. At this time, the contractor ID and password are input (501). In this case, the non-member is accompanied by a normal membership registration process. According to the request of the contractor, the insurance category classified by each field is searched from the insurance category DB and viewed on the contractor according to the prescribed form of the web page. When the contractor selects a particular insurance, the description of the specific insurance is retrieved from the insurance description database and explained to the contractor to explain the selected insurance. When the contractor sees a description of the insurance and sends a response that he or she wants to apply for, he submits the insurance application form (insurance policy) to the contractor. When the contractor completes the entry in the predetermined column of the subscription application, the contract system 100 allows the contractor to make an electronic signature and, if there is an electronic signature, recognizes as having subscribed (502). At this time, since the digital signature is encrypted with the unique number of the insurance contract system 100 in the encryption processing unit by an identifier of a letter or number different from the password at the time of login, the operator of the insurance contract system 100 can decrypt it alone. none.

When the electronic signature is input in step 502, the insurance contract system 100 recognizes this and generates a cryptographic signature key in the cryptographic processing unit (503). In addition, when a cryptographic signature key is generated, the insurance contract system 100 transmits and displays the relevant terms and conditions on the contractor's terminal.

(505), the contractor enters an electronic signature in order to fully understand and agree to the terms and conditions, and when a response is entered (506), the contract is stored in the encryption file DB.

(507).

6 is a memory map showing a data storage format of an encryption file DB.

As shown in the figure, the contract-related contents such as the contractor's terms, notice response information, and contract conclusion confirmation contents stored in the encryption file DB are designated and stored as data blocks (1, 2 ... m) 601, and the data blocks are stored. 601 has a header 602. The header 602 contains a status, an item size, a contractor's name, a file name, a file creation time, a file attribute, and a data block number in which file data is recorded.

At this time, the file attribute contains the password and the electronic signature of the encrypted contractor is stored so that the stored data block 601 can be opened only when the encrypted digital signature is input.

When the agreement is stored in the encryption file DB having the structure as shown in FIG. 6, the notice about the insurance is transmitted to the contractor (508), and the electronic signature of the contractor is input together with the response information of the notice responding thereto (510). ) And store it in the cipher file DB shown in FIG.

After that, the contract is sent to the contractor (512), and when the contractor enters an electronic signature as an intention to finally conclude the contract (513), the contract signature or other matters concerning the contract is encrypted. Stored in the DB (514).

At the same time, the insurance contract system 100 stores the contents of the contract, such as the proposed terms, notice response information, and contract conclusion contents, in the databases of the database unit 30 shown in FIG. 2 which are not encrypted when the electronic signature is recognized. The unencrypted storage process is similar to that of the first embodiment and will be omitted.

In addition, after the conclusion of the insurance contract, the agreement, notice response information, contract conclusion, and the time when the contractor's electronic signature was written, etc. stored in the database 30 are extracted and transmitted to the notary system 500 (515). The contents are outputted and the output time is simultaneously printed by the notary system 500 so that the contents are confirmed.

After the conclusion of the contract, in the event of a dispute between the contractor and the insurer regarding the contents of the insurance contract, that is, the terms, notices, and reactions to the notice (516), the contractor shall open the insurance file system 100 to open the cryptographic file database. To enter the digital signature directly

(517). At this time, when generating a password in the encryption file DB, the digital signature of the contractor and the unique key of the policyholder can be assigned and encrypted in the encryption processing unit, and only the digital signature can be encrypted alone. As such, when the unique key value and the digital signature are encrypted, the unique key value and the digital signature value must be input. When only the digital signature is encrypted, the digital signature is input. The encryption processing unit generates an electronic signature or an encryption signature key based on the digital signature and the unique key value (518), determines whether the key value matches the password stored in the attribute shown in FIG. Opening block 601 allows the contractor and insurer to view the contract to eliminate the dispute (520).

7 is a block diagram illustrating an embodiment of a notary system of the present invention.

FIG. 7 is a schematic block diagram illustrating the specifics of the notary system 500 in general configuration of a general NT-class or personal PC. An encryption file generated while a method of the second embodiment shown in FIG. 5 is performed. The contents of the DB are sequentially stored in the interface unit 703, these contents are stored in the encryption file DB703, and the encryption file storage format is as shown in FIG. In addition, the contract contents, which are not in the form of an encrypted file, are temporarily stored in RAM708 or a temporary data storage location (not shown) of the notary system, and are transmitted to the output unit 706 under the control of the central processing unit 702. To print. At this time, the printed matter is transmitted to the output unit 706 so that the year / month / day / time generated by the date generator is outputted.

The printed matter printed on the notarization system 500 can be used as a valid data in case of a later dispute since the date of confirmation for later dispute is written.

In addition, the file stored in the encryption file DB703 is received in the digital signature from the contractor in the event of a dispute, and entered into the input unit 707 of the notarization system 500, and encrypted by the encryption processing unit 704 having the same algorithm as the insurance contract system 100 and encrypted. It can match the password stored in.

As such, by creating a separate file in a separate encryption file DB703 in the notary system 500, the insurer and the contractor can trust each other with respect to the contract contents, and the evidence of the contract contents can be enhanced.

As described above, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined by the claims below and equivalents thereof.

Considering the reality that the insurance contract is made between the insurance agent and the contractor, the atmosphere could not be sufficiently reviewed, but according to the present invention, the term can be reviewed with sufficient time while viewing the explanation of difficult terms. There is an advantage to avoid emotionally dependent contracts.

In addition, enter a password and your ID for insurance that does not require special food acts, and be aware of the terms and conditions, and use them as evidence to prepare for future disputes, and to save the terms and conditions to the contractor in the insurance contract system. This has the advantage that the contractor can always refer to it.

In addition, the insurer is notified of specific notices, and the contractor responds, and enters an ID and password as a final confirmation of the response result, thereby preventing any disputes that may arise between us in the future. .

In addition, the insurer prepares for future disputes by making sure that the time stamp is printed on a notarized system provided by a notary office, such as a notarized office, for the presentation of the terms and conditions and notice response information. One can gain evidence.

In addition, the contractor can trust the insurance contract system by providing a file which can be disclosed by entering the contractor's own digital signature in the insurance contract system and notary system.

According to the present invention, when the insurance is concluded, the parties express their intentions in the easiest and most practical way among them, and satisfy the current laws and regulations on commercial law and terms and conditions for insurance, so that insurance can be easily carried out without any additional burden. By doing so, it is effective to make insurance insurance online.

Claims (11)

An online insurance contracting method in which an insurer and a contractor enter into a contract online using a communication network; When the insurer transmits the insurance policy to the contractor online, the contractor enters into the insurance contract by inputting and transmitting a predetermined identification code between the insurer and the contractor online. How to enter into a contract. The method of claim 1, wherein the predetermined identifier is set by the contractor at the insurer's site. Online insurance contract signing method characterized in that the unique number and password registered when registering as a member of (Site). The method of claim 1, further comprising inputting and transmitting the predetermined identifier after inputting the notice to the contractor. The method of claim 1, wherein the insurer transmits and stores the terms and conditions to the contractor. 4. The method of claim 3, wherein the insurer transmits and stores notices input by the contractor to the contractor. An online insurance contract execution method in which an insurance contract system operated by an insurer, a terminal of a contractor is connected to a communication network, and the contractor signs a contract online by reacting according to a screen transmitted from the insurance contract system; A first receiving step, in which the insurance contract system receives a password inputted by a contractor as an indication of agreement on the insurance terms transmitted from the insurance contract system; And a second receiving step of receiving a notice transmitted by the contractor and a password confirming the notice. The method of claim 6, wherein the online insurance contract execution method, after the second receiving step, the insurance contract system transmits a contract for confirming the conclusion of the contract to the terminal of the contractor, and the contractor inputs it as an indication of confirmation. And a third receiving step of receiving a password to be transmitted. An online insurance contracting method in which an insurance contract system operated by an insurer, a terminal of a contractor, and a notary system are connected to a communication network, and the contractor responds according to a screen transmitted from the insurance contract system, thereby contracting online. The insurance contract system enters the ID and password of the contractor, logs in, selects a particular insurance product, transmits the terms and conditions for the insurance product, and receives the electronic signature entered as an indication of the agreement. 1 digital signature receiving step; And The insurance contract system transmits preliminary notice data to the contractor, receives a notice of the contractor's notice response to the notice data, and receives an electronic signature for input as an indication of confirmation. Insurance contract conclusion method comprising the step of receiving. The method of claim 8, wherein the insurance contract conclusion method The insurance contract system notifies the agreement and the notice response information and the information on the digital signature and the time of data transmission and reception to the notarization system, and notarized to output the information about the time to the notary system Insurance contract execution method, characterized in that it further comprises a step. The method of claim 8, wherein the electronic signature is a letter or number different from the password entered at login, the electronic signature is encrypted in the insurance contract system, and the terms and notice response information is a header including the password. And a password file generating step of storing the password file in the password file database in the insurance contract system. The contract and insurer of claim 10, wherein the insurance contract system further comprises transmitting data stored in the cipher file database to the notary system to generate a cipher file database in the notary system. If there is a disagreement, the insurance contract execution method, characterized in that the contents of the contract stored in the encrypted file data file database can be read by inputting the electronic signature into the notary system.