KR20020008996A - A contract with an insurance company that creates a different meeting group on a web server computer on the Internet on a date basis, and suggests a premium rate for prospective insurance subscribers to join a member before the insurance contract and form a group to calculate the lowest premium. Insurance system of reverse auction type and a method thereof. - Google Patents

Abstract

PURPOSE: A reverse auction type insurance contract system is provided for all of clients to pay a low insurance fee and to make an insurance contract by using the principle of making a common contract of plural clients. CONSTITUTION: A homepage is displayed if the existing insurance client having an approaching expired period or a new insurance contractor accesses the homepage of a client computer on internet to keep the contract or to make a contract respectively(112-113). The client is registered as a member. The client makes an additional group with other clients on the contract-expired data for a low insurance fee contract through reverse auction to an insurance company, and finishes the registering process of a desired contract-making date(114-115). The client inputs the basic individual identity data, the kinds of vehicles, the usage of the vehicles and all of absolutely necessary conditions for an insurance contract. The client computer saves the data in a database(116-118). The client data are transmitted to each insurance company computer connected with the client computer. The insurance company computer calculates an insurance fee and transmits the fee data to the client computer again. The client computer displays the insurance fee on the homepage by sorting the fee data for each insurance company(119-120).

Description

A contract with an insurance company that creates a different meeting group on a web server computer on the Internet on a date basis, and provides a premium rate that the prospective insurance subscribers can join the members before the insurance contract and form the group to calculate the cheapest premium. Insurance system of reverse auction type and a method thereof. {.}

The present invention relates to a contracting method using a reverse auction for insurers in the form of a group of policyholders on the Internet, and to a method of allowing insurance to be paid at the lowest possible amount. Named by the contract date when the subscription insurance expires, each member is registered to form a membership meeting, and the number of members formed in this way prevails and the insurance company that presents the highest discount rate that can be concluded from each insurance company. The present invention relates to a reverse auction insurance system and a method in which a large number of meeting members enter into a contract.

Until now, insurance contracts were the only option for all car owners to pay insurance premiums to the insurance company, which is the lowest of the premiums calculated by the insurer at the rate of discount applied by the insurer. . The problem is that the contractor has only entered the contract from the passive position after receiving the discount of the premium as much as the discount rate suggested by the insurer.

An object of the present invention to solve the above problems, to pre-determine the insurance contract on the same date of the next year or the date of the insurance contract expiration at the same time the contract expires at the same time as the contract of insurance and all insurance on the contract date Based on the prospective contractor joining as a member and entering into a joint contract, a large discount rate is provided from each insurance company, providing a way for all relatively user members to pay lower premiums and conclude insurance contracts. will be.

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In order to achieve the above object,

Non-individual organizations who have a meeting group with the same date on which their insurance contract expires and join a member of a meeting group on their web server's customer computer on the Internet with the date of termination. After forming the agreement, the insurance reverse auction type insurance contract is concluded with the insurance company which provides the insurance premium rate that can calculate the lowest premium among the insurance companies on the relevant date to which each meeting group belongs. In the method of providing the Internet, the above-mentioned web server customer computer on the Internet has a built-in home page which allows the user to form a member by date and input all the information necessary for the member's personal information and the insurance contract to be purchased. Save as a database to get discount rate from each insurance company A program necessary for calculating the insurance premiums, which includes a computer for each insurance company, a computer for financial services, or another computer for making an insurance contract, which is networked with the client computer. The above-mentioned customer who can register his / her own membership by forming a meeting group and setting the name of the meeting group based on the desired contract date in order for the existing subscriber or new insurance contractor of the same date to renew or renew the insurance. After accessing the computer, select the meeting group named by the contract date you want in the membership registration section divided by the date of the insurance contract, complete the membership registration, select the type of insurance you want to join, and then make the name, year, and model of the car you own. , The categories of work to be covered or the insurance A first step of selecting and inputting the necessary information for the contract as required on the homepage screen; When the data of the entered members are stored in a database and the cumulative total of the members for each insurance contract date is transmitted to the insurance company computer, each insurance company computer calculates an insurance premium that the member can immediately and personally contract. The meeting group which transmits to the customer computer and receives the customer computer shows the result received to each member, and decides to immediately enter into an insurance contract with the insurance company computer which presented the lowest premium. The specific member of the member shall complete the payment of the premium through the financial business computer, complete the work, and receive the post-management, including the basic insurance premium before the completion of the insurance contract. A second step of notifying that it is; In the case of a member who is in the group meeting of each of the prospective insurance subscribers, if the member who is unable to directly complete the insurance contract by accessing the computer for the customer on the corresponding date of the insurance contract, From the computer for each insurance company that can receive a discount rate at the close of the standard date and time at which the insurance contract must be completed on the day corresponding to the group meeting name to prevent the success of the contract of insurance. Before confirming the result of the final discount rate, it is possible to randomly designate the desired discount rate numerically and to calculate the premium lower than the discount rate that the final discount rate is arbitrarily set based on the premium or the discount rate lower or lower than the standard premium determined in the previous step. If the discount rate is applicable, the final decision on the insurance contract is raised. With the consent that the customer will leave it to the customer's computer, the credit card number for the member who can complete the payment and the information about it are pre-determined and entered, or the member is registered as a member of the group meeting by the date in advance. A third step of marking and inputting a check box to directly access the client computer at the corresponding date to complete the contract of the user so as to complete the insurance contract of the user; When the group date of the group meeting name has been reached, the number of accumulated members who have already joined the group meeting and the basic data entered by each member are finally stored in a database, and the insurance contract is concluded. In order to be registered as a member belonging to the group meeting from each of the insurance company computer received the number of the cumulative aggregated number of the data to the respective insurance company computer at a predetermined time for Receiving the group discount rate provided to enter into an insurance contract with a group of persons, and with the help of the insurance company computer which presented the premium rate corresponding to the cheapest insurance premium, the client computer receives Completion of the insurance contract by type and the said contractor With the help of a business computer to complete the payment and transfer the database of the members of each agreement to use the computer boheomhoe signed the agreement, subject to final approval. Matters pertaining to the final approval for the effective insurance contract of each member are determined to conclude an insurance contract with the members of the meeting group among the respective insurance company computers which offer the highest daily discount rate to the client computer. Each member of the insurance company will follow the instructions provided by the computer for the insurance company, and a member who is a contractor who has completed the insurance contract includes a fourth step of issuing an insurance contract receipt and insurance policy. The reverse auction insurance system, in which a group is formed separately and a preliminary insurance subscriber joins a member before the insurance contract and forms a collective contract with an insurance company that presents a premium rate to calculate the lowest premium by forming a group; The method is provided.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Figures 1a and 1b and 1c is a web group computer on the Internet in accordance with a preferred embodiment of the present invention to create a meeting group on a date basis and the pre-insurer subscribed to each member before the insurance contract and form the lowest It is a flow chart of a reverse auction insurance system and a method of making a collective contract with an insurance company that presents a premium rate that can calculate the premium.

The web server customer computer on the Internet has a database storing user's personal information and car information, and a search program for searching the user at any time. The insurance company provides the lowest insurance premium required by the user. An arithmetic accounting program is also built that displays and aggregates premium rates by rank, and is linked to the computer of each insurance company that provides these results. The city will be omitted because the hardware and software such as memory, processor, etc., which are required to receive a discounted premium rate from the member and receive the insurance contract with a large number of members on the relevant base date can be used.

When an existing policyholder or a new prospective policyholder whose insurance contract expires arrives, accesses the homepage of a web server customer computer on the Internet to renew or reinstate an insurance policy. An initial screen is displayed. (Step 112 to 113) The homepage of a regular Internet site, which contains informative information provided by each insurance company, contains icons that link to other Internet sites from which you can purchase each product, chat screens and free bulletin boards. It is composed of similar screens.

As in other Internet sites, the user registers his / her real name and creates a meeting by the expiration date of the insurance contract for a cheap insurance contract through reverse auction against the insurance company. Membership registration is completed by the date you wish to sign this contract. (Steps 114-115) The purpose of membership registration by date is to set a period of valid contracts for which the characteristics of the insurance are usually fixed, and within the applicable period of validity. Since the contract is made under the condition that the insurance is paid when the reason for payment of insurance benefits occurs, the date when the contract ends and the contracting date are distinguished. Each insurance policyholder who intends to make a new contract It should join the Council of names referring to a given date. At this time, the name of the meeting to be joined may be specified in various ways, but in principle, it should be written in Arabic numerals. As the purpose of signing up is to contract insurance with the insurance company that presented the lowest premium, if the insurance asks the user to input the necessary information for the conclusion of the contract, the user must fill in the relevant screen. When the scheduled date arrives, be sure to access the web server customer computer on the Internet to check the highest discount rate, the applicable amount, and the corresponding company among the discount rates suggested by the insurance computer and complete the final contract. Shall. Otherwise, the user computer is programmed on the Internet so that the user can complete the payment by the payment method approved by the user in advance, and the insurance contract can be completed by the automatic contract with the amount of the discount rate.

In the above homepage, the user who completed the membership registration, along with the expected date of the insurance contract, the basic personal information of the individual who will be insured, the name of the car, the purpose of use, the type of the car, and the specific details absolutely necessary for the insurance contract are displayed on the homepage. Upon completion of the input, the web server customer computer on the Internet stores the data in a database (steps 116 to 118). The stored data is shared only with the computer computer for the Internet web server and the insurance company computer connected thereto. Security programming is completed to thoroughly protect the user's personal information so that it cannot be used for other purposes.

The stored member's information is immediately transferred to the respective insurance company computer connected to the web server customer computer on the Internet, and the insurance company computer calculates the premium to be immediately received by the corresponding user, and sends it to the web server customer computer on the Internet. When retransmitted, the client computer of the web server on the Internet displays the insurance premiums transferred by the respective insurance company computers on the homepage screen by classifying the insurance companies so that the user can contract at a glance. 120 steps)

A user who has completed the membership registration in a short time after accessing the web server client computer on the Internet may pay the premium calculated immediately as described above and purchase the insurance. The premiums provided from the computers for each insurance company are stored and managed in a database to be used as the member's standard premium when the insurance contract is finally concluded. (Steps 121 and 132 to 133) The policyholder who completes the contract concludes the work on this site and continues to receive customer care provided by the company in the future.

In general, most of the users want to enter into insurance contracts by paying low premiums, so each user joins a group that is classified by date, and the cumulative number of members who join these members will be many. When each insurance company computer will try to present to the members and take over the insurance based on the discount rate that can be discounted in order to conclude the insurance contract of members belonging to the group meeting by the date. Many of the premiums or discount rates lower than the standard premium set in the previous step before confirming the result of the final discount rate from the respective computer for the insurance company in preparation for the urgent situation in which each member cannot directly complete the insurance contract on the date. Based on a small number, the desired discount rate If the final discount rate is a discount rate that can be calculated at a premium lower than the discount rate specified at random, the settlement of the member who can complete the payment with the acceptance that the final decision of insurance contract is entrusted to the client computer. Enter the credit card number and information about it in advance. (Steps 122-124)

However, if the member who is the user himself / herself can access the web server and complete his insurance contract based on the discount rate presented at the scheduled contract date, he / she shall complete the contract contract directly on that date. 123, 134)

The total number of members registered and accumulated in the group meeting by the accumulated date up to the standard time just before the insurance expiration date by each arrival date is transferred to the insurance company computer through the database, respectively. Based on the total anticipated amount, the discount rate that can be concluded under the insurance contract is transferred from the insurance company computer to the client computer on the Internet, and the insurance company that has presented the largest discount rate is determined. The company name is displayed on the screen so that the member can check it, and all the members have entered all the necessary contents on the homepage screen for the insurance contract required by the respective computer for the insurance company in order to conclude each desired insurance contract. Check the premium calculated through the verification process After the payment of the premium is completed in order to conclude an insurance contract, the web server client computer on the Internet transmits a database of the insurance contract contents of each member to the corresponding insurance company computer, and from the insurance company computer that has completed the contract. The contract is approved by each of the contractors to be valid, and then received and received. The homepage is displayed to each member who is a contractor to complete the insurance contract (steps 125 to 130). The standard insurance premiums of the members of the group meeting by date, which are users, are already received from the respective insurance company computers in step 120, and are stored in the database for each user who is a member. Based on the insurance premium initially calculated by insurance company A program for calculating the final premium of each user who is to be displayed on the home screen and applying the final discount rate to this amount to be subscribed to is embedded in the web server client computer on the Internet. Most of these programs are already in use, so that the search program and the arithmetic accounting program can be appropriately combined to complete the calculation. Therefore, the illustration will be omitted.

On the other hand, if the insurance company that presented the largest discount rate is different from the company that the user wants to join, the user may complete the insurance contract with the desired insurance company through a separate step. In this case, it is natural that the relevant insurance company concludes an insurance contract with a premium applied at a discount rate lower than the discount rate presented to the group group members (steps 128 and 135).

The work concludes by issuing insurance contract receipts and insurance contract certificates informing the members of the group meeting by the date when the contract is completed (step 131).

Meanwhile, embodiments of the present invention can be written as a program that can be executed on a computer. That is, the various steps included in the method according to the invention may be stored in a computer-readable recording medium. Recording media include recordings such as commonly used magnetic storage media (e.g. hard disks, floppy disks, ROMs, etc.), optical reading media (e.g. CD-ROMs, DVD-ROMs, etc.) and carrier waves (e.g., transmitting via the Internet). Media. The present invention is not limited to the above-described embodiments, and of course, modifications can be made by those skilled in the art without departing from the spirit of the present invention. For example, in the method of the present invention, the user can access the web server client computer on the Internet and proceed with the user registration. However, even if the user does not register, only the member by date provides the work method. Anyone who connects to another internnet site can participate in the auction for insurance contract and complete the insurance contract. Therefore, the scope of the claims in the present invention will not be defined within the scope of the detailed description will be limited to the claims described below.

According to the present invention, there is provided a web server customer computer on the Internet storing a database of members interconnected by a network, an insurance company computer linked thereto, another insurance company computer connected thereto, and a financial business computer connected thereto. Existing policyholders or new policyholders whose maturity dates are due shall form a group meeting with a name based on the planned contract date for which they wish to renew or reinsurance their insurance. The insurance society, in which these prospective contractors are the power of the group, suggests a discount rate that can be calculated as the lowest rate by receiving discount rates applied in different insurance contracts from another insurance company computer connected to the insurance company computer. Insurance contract with your computer That by having the following effects.

If a person who intends to make an insurance contract becomes a group, not an individual, and all the members included in the relevant date sign the contract at once, the insurance company that can make a large number of insurance contracts at one time is a large number of contracts. By securing a large amount of contract premiums, it is effective to achieve the objectives of the company, and the prospective contractors have gained the strength of the group after obtaining the group's power rather than requesting the conclusion of the insurance contract as an individual. If you ask an insurance company to buy insurance, you will be able to sign an insurance contract at a much lower premium.

Claims (6)

Insurers with the same date on which their insurance contracts are terminated create a different meeting group on the web server customer computer on the Internet and sign up as members of a meeting group on their respective dates. After forming a non-insurance group, insurance reverse auction type insurance contract is concluded with the insurer that provides the premium rate that can calculate the lowest premium among the insurers based on the date on which each meeting group belongs. In a method of providing a subscription to be concluded, The web server for the above-mentioned web server customer computer has a built-in homepage screen where a member can be formed by date to enter the member's personal information and all the contents necessary for the insurance contract to be insured. The program which is provided with the discount rate from the insurer and calculates the minimum premium for each member is embedded, and each of the insurance company computer and the financial business computer connected to the client computer and the network, or other for the insurance contract Including a computer, In order to renew or reinsure the insurance, the existing subscriber or the new insurance contractor with the same date as the termination date of the insurance contract shall select the name of the meeting group based on the desired contract date and form a meeting group to register each member. After accessing the client computer, you can select the meeting group named by the contract date you want from the membership registration section divided by the date of the insurance contract and finish the membership registration. A first step of selecting and inputting the necessary information for the name of the vehicle, the year, the model, the service area to be subscribed to, or the insurance contract to be purchased as required on this homepage; When the data of the entered members are stored in a database and the cumulative total of the members by the insurance contract due date is transmitted to the respective insurance company computers, the respective insurance company computers calculate the premiums that the members can personally immediately contract. The customer computer receiving the received information, showing the received results to each member, and having decided to enter into an insurance contract directly with the computer for the insurance company which presented the lowest premium. The specific member of the meeting group completes the payment of the premium through the computer for the financial service, completes the work, and receives the post-management, including before the completion of the insurance contract. A second step of informing that it is a standard premium; In the case of a member who is in the group meeting of each of the prospective insurers, the member who falls under such a situation that he or she cannot access the client computer directly and complete the insurance contract directly on the corresponding date of the insurance contract, The computer for each insurance company that is entitled to a discount rate at the close of the standard date and time at which the insurance contract must be completed on the day corresponding to the group meeting name, in order to prevent the success of the continuous insurance contract. Before confirming the result of the final discount rate, the desired discount rate can be arbitrarily designated as a number based on the amount of premiums lower or lower than the standard premium specified in the previous step, and the premium lower than the discount rate arbitrarily designated by the final discount rate can be calculated. If the discount rate exists, the final decision of the insurance contract With the consent of entrusting it to the customer computer, the credit card number for the member who can complete the payment and the information thereof are pre-determined and entered, or the member is registered as a member of the group meeting by the date in advance. A third step of marking and inputting a check box to directly access the client computer at the corresponding date to complete the contract of the user so as to complete the insurance contract of the user; When the group date has reached the name date, which is the name of each group meeting, the accumulated number of members already enrolled in each group meeting and the basic data entered by each member are finally stored in a database, and the insurance contract is concluded. Registered as a member belonging to the group meeting from the respective insurance company computer, which transmits the data to the respective insurance company computers at a predetermined reference time for execution, and receives the accumulated number of members. Receive the group discount rate provided to enter into an insurance contract with a group, and with the help of the insurance company computer which presented the premium rate corresponding to the cheapest insurance premium, the client computer is insured by each of the members. Completion of the insurance contract by the type of With the help of the raised work computer to complete the payment and transfer the database of the members of each agreement to use the computer boheomhoe signed the agreement, subject to final approval. Matters pertaining to the final approval for the effective insurance contract of each member are determined to conclude an insurance contract with the members of the meeting group among the respective insurance company computers which offer the highest daily discount rate to the client computer. As described above, each member of the computer for insurance company follows the fourth step of issuing the insurance contract receipt and insurance policy to the member who is the contractor who completed the insurance contract. Reverse auctions in which a meeting group is created based on a standard, and an insurer enters into a collective contract with an insurance company that proposes a premium rate to which the insured person joins as a member of the meeting group before the insurance contract and forms the group to calculate the lowest premium. Insurance system and method thereof. The method of claim 1, In addition to the automobile insurance, the insurance company in the first stage creates a group meeting named by date, and is handled by the non-life insurance company, which is a fire insurance company, besides automobile insurance. The method further includes the step of setting the type of insurance to be covered, the type of insurance handled by each life insurance company, and the type of insurance handled by the education insurance company as the type of insurance that can be contracted. In the web server client computer on the Internet, a plurality of prospective insurance contractors who want to sign up a group meeting for each day that they want to sign an insurance contract and want to purchase different types of insurance which are covered by each insurance company described above With the discount rate provided by the computer for the insurance company that handles each of the different types of insurance, all members of the group can complete the subscription in the form of a collective agreement on the type of insurance they want to insure and receive the desired insurance benefits. Web server on the Internet, characterized in that you can receive a different meeting group on the basis of the date on the computer, and the prospective insurance subscribers to join the meeting group before the insurance contract and form a group to get the lowest premium Work with an insurance company presenting a premium rate that can be calculated Reverse auction scheme insurance system and method of entering into the contract. The method of claim 1, In the fourth step, in addition to the criteria for entering into an insurance contract on the basis of the highest discount rate provided by the respective insurance company computers, a company that wants to join can be designated in advance and conditionally concluded an insurance contract with the relevant company. Including more steps, If a member of the group wants to conclude an insurance contract with a particular insurance company, the insurance company that wants to join based on the highest discount rate is the second highest. If the discount rate is presented, the web server for the customer's computer on the Internet, characterized in that the insurer may enter into an insurance contract with the insurance company that the prospective insurance policyholder wants, regardless of the conditions for the conclusion of the collective agreement at the highest discount rate. It is a reverse auction system that creates a different meeting group and establishes a collective contract with an insurance company that proposes a premium rate that a prospective insurance subscriber can join as a member of the meeting group before the insurance contract and form a group to calculate the lowest premium. Insurance system and method. The method of claim 1, The computer for each insurance company whose member is a pre-registered policyholder who has registered in advance as a group member of a group meeting named by the date formed before the date of the insurance contract, and which presents the premium rate that can calculate the cheapest premium on the date. In the general qualifications to enter into an insurance contract with On the basis of the highest discount rate provided by the members of the group meeting on the same day to the prospective insurance policyholders who access the client computer for the first time on the day of the contract for the purpose of signing the desired insurance contract. The web server on the Internet, characterized in that it further comprises the step of entering into an insurance contract, and each meeting group is created on a date-by-web basis for the client computer, and the insured person joins as a member of the meeting group before the insurance contract. And a reverse auction insurance system and a method of forming a collective contract with an insurance company that provides an insurance premium that can be used to calculate the lowest premium by forming a group. The method of claim 1, After setting a name based on the planned insurance contract date and forming a group meeting, the members belonging to the meeting do not always enter into an insurance contract against the respective insurance company computer only to enter into an insurance contract. Further comprising the step of entering into an insurance contract with a representative of the insurance company, The right for each insurance company computer to enter into an insurance contract with a prospective insurance policyholder on behalf of the Company for the active acquisition of an insurance contract including its cumulative number of insurance contracts and a premium commensurate with it. Names of each of the date of the prospective insurance contractor, without any conditions, also with a person qualified to recruit a plurality of insurance whose main work is to enter into a contract of insurance on behalf of the respective insurance company computers. On the Internet, a web server client computer, which is able to collectively conclude the insurance of each member of the group, and establishes a different meeting group based on the date, and the insured person has to Become a member of the meeting group and form a group to calculate the cheapest premium Insurance system and method of the insurance company and the reverse auction approach bears a collective agreement presents a risk ryoyul. The method of claim 1, When a prospective insurance policyholder who wants to make a name for a meeting classified by date and insures him or her joins a group meeting with the same name as the date on which he or she wishes to conclude the contract, and reaches that date. Signing an insurance contract against a group member belonging to each insurance company or each qualified person who can sign an insurance contract on behalf of the insurance company. Rather than forming a separate group meeting named each day of the year, 365 days a year from that day, including the year and the following year, a group of insurance is formed on the above-mentioned web server client computer on the Internet. Are assigned to group meetings, each of which is a different date, depending on the type of insurance you wish to purchase Members are not formed solely for the purpose of signing an insurance contract on that date, but the insurance contract is of secondary interest and is a non-insurance non-insurance other meaning of the name of the date. Significantly joined the Association, and for those members, the web server client computer on the Internet shall be qualified by the respective insurance company or on behalf of the insurance company, and the date of stronger membership. In the sense that it provides convenience for the regular members belonging to the group meetings for each group, a certain discount rate is applied to the members, and the contract is concluded in advance to conclude their insurance contracts with a lower premium than the general contractors. To members belonging to a group with different club names organized by date. On the Internet, a web server customer computer that makes an insurance contract at a discount rate as agreed, and creates a different meeting group based on the date, and the insured person is a member of the meeting group before the insurance contract. The reverse auction insurance system and its method of signing a collective contract with an insurance company that offers an insurance premium that can be used to sign up and form a group to calculate the lowest premium.