KR20020012704A - Method and system for contracting with insurance using a network - Google Patents

Abstract

The present invention relates to an automatic insurance subscription system and method using a network. The present invention calculates and confirms a web point accumulated to a user according to a request of an internet user, and then provides various insurance product information according to the request of the internet user. Then, the insurance product selected by the Internet user is judged, the insurance premium of the determined insurance product is calculated, and when the Internet user requests to purchase insurance, it is determined whether the web point of the Internet user is suitable for the insurance premium of the insurance product requested to be subscribed to. Pay the web point to the insurance company server to apply for automatic insurance and conclude.

According to an embodiment of the present invention, the present invention has the effect of allowing the Internet user to purchase insurance using the cyber money provided from the Internet site.

In addition, the present invention has the effect of automatically signing insurance with cyber money to increase the intimacy with insurance, making insurance easy.

Description

System and method for automatic insurance using network {METHOD AND SYSTEM FOR CONTRACTING WITH INSURANCE USING A NETWORK}

The present invention relates to an insurance system and a subscription method using a network, and in particular, a system for allowing an internet user to automatically purchase insurance using cyber money, and to automatically subscribe to insurance using ARS; It is about a method.

With the development of technology, the Internet has become a generalized means of communication, enabling the exchange of information, information acquisition, financial services, and entertainment through the Internet. Due to the activation of the Internet, more and more Internet sites are trying to sell products or provide services to network users through the Internet.

For this reason, Internet sites offer various services and giveaways to attract more users. In this form, you can draw a few of a large number of users for a certain amount of money, use a particular service to give you a giveaway or cyber money, make it interesting to use the service, and buy a product at a lower price. There are ways to help.

However, the above-described method has problems such as not satisfying all users sufficiently or taking a business disadvantage.

Accordingly, the present invention has been made to solve the conventional problems, and an object of the present invention is to automatically subscribe to a special insurance policy if desired so that all Internet users can enjoy the benefits.

1 is a view for explaining the concept of the automatic insurance subscription method using a web point (web point) of the present invention.

2 is a block diagram of an automatic insurance subscription system using a network according to an embodiment of the present invention.

3 is a flowchart schematically illustrating an operation of an automatic insurance insurance system using an internet user, an insurance company, and a network according to an embodiment of the present invention.

Automatic insurance subscription system using the network according to the characteristics of the present invention for achieving the above technical problem,

Claims [1] A network system in which an insurance terminal is connected to an internet terminal of an internet user who can access an internet network, and an insurance company server that manages various insurance information and contracts.

A web providing server in charge of an interface with the Internet terminal, providing a web page in response to a request of an Internet user, and in charge of a login process; A service provider which determines a service requested by an internet user and provides information on the determined service; A web point manager configured to determine a web point assigned to a service provided to the internet user by the service providing server, to accumulate it to the internet user, and to manage the web points accumulated to each member; An insurance subscription management unit which is in charge of an interface with the insurance company server, provides various insurance information provided by an insurance company to an Internet user, and performs a subscription procedure of an insurance product requested by the Internet user; And a web point database storing web point information classified by members.

The web point manager may search for other sites registered by the Internet user, read and convert the cyber money accumulated in the Internet user, and add the result to the web point of the Internet user.

On the other hand, the automatic insurance subscription method using a network according to another aspect of the present invention for achieving the above technical problem, provides a cyber money by connecting to the terminal of the Internet user, and read the user's cyber money from other sites In a method of using a network system that accumulates and connects to an insurance company server that manages various insurance information and contracts,

Calculating and verifying a web point provided to an internet user; A second step of providing various insurance product information at the request of an Internet user; A third step of determining an insurance product selected by an internet user and calculating a premium of the determined insurance product; (the premium calculated in the third step may be the system of the present invention or may be an insurance company.)

If the Internet user requests insurance, the fourth step is to determine whether the web point of the Internet user is suitable for the premium of the insurance product requested to be subscribed, and then apply for and conclude automatic insurance subscription with the insurance company server.

In addition, the automatic insurance subscription method using a network according to another aspect of the present invention for achieving the above technical problem,

What is claimed is: 1. A method of insuring insurance using an ARS system connected to a customer through a telephone, a telephone station central processing unit, and an exchange,

A first step of connecting with a customer's telephone;

Second step of providing the customer with insurance policy information

A third step of judging the special insurance product selected by the customer, and transmitting the customer's information to the corresponding insurance company and receiving insurance certification from the insurance company;

And a fourth step of claiming telephone insurance premiums for insurance the customer has insured.

Hereinafter, with reference to the accompanying drawings will be described an automatic insurance subscription system and method using a network according to an embodiment of the present invention.

1 is a view illustrating a concept of an automatic insurance subscription method using a network of the present invention. According to the present invention, an insurance product required by an internet user is automatically subscribed using a cyber money provided by the insurance subscription system 100, that is, a web point. To this end, the insurance system 100 is connected to the insurance company 20, that is, the insurance company server and the terminal 10 of the Internet user, and performs an operation corresponding to the contents received from the user terminal 10 in conjunction with the insurance company server. .

That is, when the insurance subscription system 100 receives a signal for requesting insurance from the user terminal 10 that has authenticated access, the insurance company 20 provides the insurance company 20 with the user's information and the subscription information, and the automatic insurance subscription is made on behalf of the user. And tell the user the results.

At this time, the insurance subscription system 100 pays to the insurance company 20 the cyber money, i.e., web points, accumulated by the user as an insurance premium, and receives the approval of the insurance request requested by the user from the insurance company 20 in return.

Web points may be cyber money provided by the system 100 of the present invention, cyber money provided by other sites (A, B, C, D, ..., N). Therefore, it is preferable that the system 100 of the present invention searches for and reads cyber money of other sites A, B, C, ..., N provided to the same user and converts the cyber money into the cyber money of the present invention.

Here, the user's terminal may be a computer, a PCS, a cellular phone, a PDA, an Internet TV, or the like, which may be connected to the Internet using a wired or wireless network.

Hereinafter, the insurance system 100 according to an embodiment of the present invention will be described with reference to FIG. 2 is a block diagram of an automatic insurance subscription system using a network according to a first embodiment of the present invention.

As shown in FIG. 2, the automatic insurance subscription system 100 using the network according to an embodiment of the present invention includes a web provider 110, an additional service provider 120, a web point manager 130, and insurance contract. Manager 140, member manager 150, Web DB 161, member DB 162, additional service DB 163, Web point DB 164, affiliate site DB 165, and insurance company DB 166 It is connected to the user terminal 10 through a wired / wireless network, and is connected to the insurance company 20 including the insurance provider server 21, insurance product DB 22 and the insurance subscriber DB (23).

The web providing unit 110 is responsible for the interface with the user terminal 10 and manages the web DB 161 to provide a web page containing contents requested by the user.

The additional service providing unit 120 determines a service requested by the Internet user, and reads the determined service from the additional service DB 163 and provides it to the user terminal 10.

The web point manager 130 determines the cyber money (i.e., the web point) allocated to the service provided to the user through the additional service provider 120 and stores the cyber money in the user memory in the web point DB 164 and registers the user. It is in charge of the interface with other sites (A, B, C, ..., N) and imports the cyber money provided to the user by other sites (A, B, C, ..., N) and converts it into web points. After that, it accumulates in the user memory in the web point DB 164.

Here, the positional information of other sites registered by the user is stored in the affiliated site DB 165.

The insurance execution management unit 140 is in charge of the interface with each insurance company 20 associated with, and provides insurance product information stored in the insurance product DB 165 of each insurance company 20 to the user, each insurance company at the request of the user The insurance request is made at 20 so that the user automatically subscribes to the insurance. At this time, the insurance execution management unit 140 provides the personal characteristic information (age, gender, occupation, etc.) required for the insurance to the insurance providing server 20 so that the insurance providing server 20 meets the insurance rate corresponding to the personal characteristic information. The insurance premium is calculated, and the insurance premium received by the insurance providing server 20 is received and transmitted to the user terminal 10. And, if the user wants to subscribe to the insurance premiums received, insurance contract management unit 140 provides a web point corresponding to the premiums to the insurance company 20 so that the insurance is made.

Here, the present invention may allow the insurance execution management unit 140 to calculate the insurance premiums performed by the insurance providing server 20, and each has its own separate database for storing insurance product information of each insurance company 20. The insurance product DB 22 of the insurer 20 may be substituted.

The information of the insurance company 20 providing the insurance product is stored in the insurance company DB 166.

The member manager 150 performs a login process, authenticates the member according to whether the received ID and password are stored in the member DB 162, receives personal identification information from a user requesting member registration, and receives the member DB ( 162).

Here, since the configuration according to the embodiment of the present invention shown in FIG. 3 is divided mainly on functions (software), it may be implemented as one hardware device or may be implemented through a plurality of hardware devices. .

Hereinafter, the operation of the automatic insurance subscription system using the network according to an embodiment of the present invention will be described in detail with reference to FIG. 3 is a flowchart schematically illustrating the operation of an automatic insurance insurance system using an internet user, an insurance company and a network according to an embodiment of the present invention.

When an Internet user transmits a Uniform Resource Locator (URL) resource request signal to the system 100 of the present invention by using the user terminal 10, the web provider 110 receives the home page file information and transmits the home page file information to the web DB (Web DB). The data is read from the terminal 161 and transmitted to the user terminal 10 (S310 and S311).

Then, when the Internet user checks the home page window through the terminal monitor and inputs the ID and password through this window, the member manager 150 determines whether the ID and password received at login are stored in the member DB 162. Follow the membership certification (S312).

If the user is not a member, his / her personal information is input to the member registration window provided by the web providing unit 110 to register the member.

The user who has been authenticated can be provided with all the services provided by the system 100 of the present invention, and the web point for the provided service (if the service provides the web point) is provided.

That is, when the member selects one of the network services provided by the system 100 of the present invention, the additional service provider 120 determines the type of service selected by the member, and the corresponding service is added to the additional service DB 163. ) Is read and transmitted to the user terminal 10. Here, those skilled in the art can design the operation of the additional service providing unit 120 in the web providing unit 110, in this case, the information of the additional service DB 163 is included in the web DB (161).

When the additional service providing unit 130 provides a predetermined service to the user terminal 10, the web point manager 140 determines whether the service provided to the user terminal 10 is a service that should provide a web point, If the service is to provide a point to determine the web point assigned to the service (S314).

Here, the service providing the web point may be an advertisement exposure, a product purchase, a banner click, a game play, or the like, and the web point may be provided for all services provided.

The web point manager 140 stores the web point determined in the step S314 at a predetermined address in the web point DB 164 assigned to the user and accumulates (establishes) the previous web point (S315).

Therefore, by the above process, the Internet user can accumulate web points granted to them. The accumulation of such web points is performed not only in the system 100 according to the embodiment of the present invention but also in all other sites that provide web points or cyber money.

Therefore, the system 100 according to the embodiment of the present invention reads the cyber money (web point) provided to the member from other sites and integrates them into one. To this end, the system of the present invention requires the user to register location information of another site to read the cyber money, and stores it in the affiliated site DB 165.

Then, the web point manager 130 accesses the other site registered by the member every time or at the request of the Internet user, or reads the cyber money of the member, and according to the conversion rate set for each other site. After converting the cyber money of the other site into a web point of the system 100, it accumulates and stores in the web point DB 164 (S316).

Information on the conversion rate is stored in the web point DB (164).

The present invention provides a service that allows a user to subscribe to an insurance product using the accumulated web points.

A member of the present invention can access the system 100 of the present invention at any time while accumulating his web points and apply for an insurance service (S317).

In FIG. 3, the user can access the system once and perform a process from accumulating web points to applying for insurance services. In some cases, the user accumulates web points and then disconnects from the system 100 of the present invention and again. By connecting to the system 100 of the present invention can apply for insurance services.

Upon receiving a request signal for insurance subscription application from the user terminal 10, the insurance execution management unit 140 connects to the server of each insurance company and reads insurance product information stored in the insurance product DB 22 of each insurance company to the user. Provided (S318, S319).

Here, in the embodiment of the present invention described with reference to FIG. 4, the system 100 of the present invention reads insurance product information of each insurance company from an insurance company, but in another embodiment, stores insurance product information of each insurance company by itself. With a database (hereinafter referred to as "insurance DB"), insurance product information can be read from this insurance database and provided to the user.

On the other hand, as the insurance conclusion management unit 140 provides insurance information, the user can check the information on the insurance products provided by each insurance company through the monitor of the terminal.

At this time, the information of the insurance product provided is the definition of each insurance product, the subject of coverage, insurance coverage, benefits, premium, insurance period, premium payment time, and the like.

Here, the premium may be fixed, but the premium may vary depending on the age, occupation, sex, etc. of an individual. When insurance premiums vary according to personal characteristics, insurance execution management unit 140 is requested from the insurance company server 20 personal personal information for calculating the premium, accordingly provides personal personal information stored in the member DB (162) to the insurance company The insurance providing server 21 calculates a premium.

On the other hand, in the case of special insurance products, only one premium must be paid at the time of initial subscription, but in the case of non-special insurance products, premiums must be paid at regular intervals.

Therefore, if it is not a special insurance product insurance insurance management unit 140 receives a request signal to select the premium payment time from the insurance company server 20, and transmits this message to the user so that the user can select the premium payment time. . Here, it is preferable that the premium provided to the insurer at each premium payment time is a web point, and the insurance execution management unit 140 automatically pays for the insurance premium.

On the other hand, those skilled in the art can be designed to perform the insurance premiums performed by the insurance providing server 21 in place of the calculation function in the insurance execution management unit 140.

The user who displays the insurance information on the terminal 10 selects an insurance product suitable for his / her own web points among a plurality of insurance products and applies for insurance subscription (S320).

Then, the insurance execution management unit 140 receives information on the selected insurance product from the user terminal 10, and accordingly determines the insurance product to apply for insurance to the insurance company server 20 that provides the insurance product (S321).

Accordingly, the insurance providing server 21 determines the information of the insurance product from the insurance application signal received from the insurance conclusion management unit 140, and reads the insurance application DB file of the insurance product from the insurance product DB 22 to receive insurance. Through the fastening management unit 140 to be delivered to the user (S322).

After the user displays the insurance application through the monitor of the terminal 10, the user inputs corresponding information (including personal information) in the insurance application (S324).

The personal information and insurance subscription information input by the user are received by the insurance execution management unit 140 and then transferred to the insurance provision server 21 (S324). Here, the personal information may be input by the user, but the insurance execution management unit 140 may read the personal information from the member DB 162 and provide the personal information to the insurance company server 20.

The insurance providing server 21 receives the personal information of the subscriber and the subscription application information, approves the insurance contract, and stores the information on the approved insurance product and the subscriber information in the insurance subscriber DB 23. Then, the insurance contract conclusion is informed to the insurance contract management unit 140 (S236).

Then, the insurance conclusion management unit 140 confirms the fact of insurance conclusion by transmitting the fact that the insurance subscription is concluded from the insurance company to the user terminal 10 (S327, S328).

In the above, the insurance execution management unit 140, if there is a small number of web points corresponding to the premium of the insurance product to be subscribed to prevent automatic insurance subscription.

On the other hand, the present invention can be automatically subscribed to the insurance desired by the Internet user using the insurance subscription system 100 existing on the Internet as described above, the second of the present invention with reference to FIG. As shown in the embodiment, the user can automatically subscribe to the desired insurance by using an ARS (Audio Response System) device as follows.

4, the automatic insurance system using the network according to the second embodiment of the present invention is an insurance system using ARS, the customer's telephone 41, telephone station central processing unit 42, exchanger 43, Including an ARS processing unit 441, insurance service unit 442, insurance product DB (443), member DB (444) including the ARS device 44, each insurance company (I1, I2, ..., In) Is connected to the server.

When the customer enters the telephone number (e.g. 700-****) assigned to the ARS device 44 of the present invention using the telephone 41, the telephone station central processing unit 42 receives the telephone call through the telephone network. The ARS device 44 of the present invention is determined as a number, and the switch 43 is controlled so that the customer's telephone 41 and the ARS device 44 are connected (S510).

When the phone 41 and the ARS device 44 are connected, the ARS device 44 transmits voice information, such as a usage method and a service guide, stored in a memory unit (not shown) to the phone 41 (S511).

Then, the customer checks the type of service provided by the ARS device 44 and the method of using the voice information. In this case, since the ARS device 44 provides a service for subscribing to the special insurance, the customer knows the subscribing service of the special insurance product through the service guide. When the customer presses the corresponding dial button installed on the telephone to request the subscription service of the special insurance product, the ARS processing unit 441 of the ARS device 44 determines the subscription service request signal of the special insurance product and determines the insurance service unit 442. In operation, the insurance service unit 442 provides, by voice, the customer with the type information of various special insurance products stored in the insurance product DB 443.

Here, the ARS processor 441 receives and determines various signals transmitted from the phone 41, and controls the overall operation of the ARS device 44 so that a service corresponding to the determined signal is provided to the customer.

On the other hand, the customer who listens to the information of the various types of special insurance products, the customer selects the desired special insurance products through the dial, the selection is received by the ARS processing unit 441 and the corresponding insurance through the insurance service unit 442 Information of the goods is transmitted to the telephone 41. Accordingly, the customer checks the information on the insurance product selected by him, that is, the definition of the insurance product, benefits, premiums, and the like (S512).

When the customer requests to join the insurance by dialing, the insurance service unit 442 transmits a message to the customer telephone 41 by voice asking whether the customer is a member (S513 and S514).

Therefore, if the customer is a member, enter the ID or / and password to inform that he is a member, if the customer is not a member to request membership registration. Here, member registration of the ARS device 44 is to input a social security number, its own telephone number, and an ID (or password). The member's information is stored in the member DB 444. If the customer is a member, the insurance service unit 442 authenticates the membership, and if not the member, declines the insurance (S515).

If the customer is a member, the insurance service unit 442 reads the code signal for the special insurance product name selected by the customer and the customer's information from the member DB 444, and the insurance company (I1 or I2 or ..., In And transmit (S516).

The insurer receives the information transmitted from the insurance service unit 442 and subscribes the customer to the insurance, and transmits the result to the insurance service unit 442.

Then, the insurance service unit 442 provides the voice information indicating that the customer's telephone 41 is insured. Then, the insurance service unit 42 determines the telephone number of the customer stored in the member DB 444 and notifies the fact to the telephone company central processing unit 42 so that the insurance fee is added to the telephone bill of the customer (S517). , S518).

Later, the customer finds out that the insurance fee for the insurance he has registered on the telephone bill is charged as a telephone tax (S519).

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

According to an embodiment of the present invention through the above description, the present invention has the effect that the Internet user can be insured using the cyber money provided from the Internet site.

In addition, the present invention has the effect of automatically signing insurance with cyber money to increase the intimacy with insurance, making insurance easy.

Claims (8)

Claims [1] A network system in which an insurance terminal is connected to an internet terminal of an internet user who can access an internet network, and an insurance company server that manages various insurance information and contracts. A service providing server for determining a service requested by an internet user and providing information on the determined service; A web point manager configured to determine a web point assigned to a service provided to the internet user by the service providing server, to accumulate it to the internet user, and to manage the web points accumulated to each member; It is in charge of the interface with the insurance company server, provides the insurance information provided by the insurance company to the Internet user, and pays the web points to the insurance company server as a premium to perform the insurance product subscription procedure process requested by the Internet user Subscription management unit; And Automatic insurance system using a network that includes a web point database that stores web point information classified by members. In claim 1, The web point management unit, An automatic insurance subscription system using a network, which searches for other sites registered by an internet user, reads and converts cyber money accumulated by the internet user, and adds the result to the web point of the corresponding internet user. In claim 1, The insurance subscription management unit, Using the network, the insurance premium of the insurance product selected by the internet user is calculated according to the rate according to the personal characteristic information, and the web point of the user corresponding to the calculated insurance premium is provided to the insurance company server so that the insurance can be purchased. Auto insurance subscription system. In claim 1, The insurance subscription management unit, If the insurance product selected by the internet user is a rider product, the web point corresponding to the insurance premium is paid to the insurance company server only once, and if the insurance product selected by the internet user is not a rider product, the user's web point is selected at the premium payment date selected by the internet user. Automatic insurance subscription system using a network, characterized in that to pay automatically to the insurance company server. In a method of using a network system that connects to a terminal of an Internet user, provides cyber money, reads and accumulates the user's cyber money from another site, and connects with an insurance company server that manages various insurance information and contracts. A first step of providing various insurance product information at the request of an Internet user; A second step of determining the insurance product selected by the Internet user, and calculating the premium of the determined insurance product; And A third step of, when the internet user requests insurance, determining whether the web point of the internet user is suitable for the premium of the insurance product requested to be subscribed, and then applying and making an automatic insurance subscription by paying the web point to the insurance company server. How to buy automatic insurance using the network. In claim 5, Insurance premium calculation in the second step, The personal insurance information of an internet user is provided to the insurance company server, and the insurance company server calculates the premium of the insurance product, and receives it and informs the Internet user of the automatic insurance subscription method using a network. In claim 5, Insurance premium calculation in the second step, An automatic insurance subscription method using a network, comprising: determining an insurance product selected by an internet user, determining an insurance rate according to the determined insurance product and personal information, and automatically calculating an insurance premium according to the insurance rate. What is claimed is: 1. A method of insuring insurance using an ARS system connected to a customer through a telephone, a telephone station central processing unit, and an exchange, A first step of connecting with a customer's telephone; Second step of providing the customer with insurance policy information A third step of judging the special insurance product selected by the customer, and transmitting the customer's information to the corresponding insurance company and receiving insurance certification from the insurance company; A method of automatic insurance subscription using a network comprising a fourth step of claiming a insurance premium for a telephone insurance paid by a customer.