KR20080048601A - Point payment system for insured customers using internet insurance broker and method - Google Patents

Abstract

The present invention relates to an insurance customer point payment system and method using Internet insurance intermediary, and more specifically, to provide insurance agent designers with information entered by the prospective customer via the Internet insurance agent at the time of insurance insurance marketing costs To pay a portion of the costs to subscribers.

The insurance customer point payment method using the Internet insurance broker according to the present invention is a case in which the customer inquires about the insurance that the customer wants to subscribe to and enters his personal information while the customer is connected to the insurance brokerage server using the user terminal. The first step of connecting the customer and the insurance agent and the insurance agent instructs the customer about the insurance inquired by the insurance agent terminal, and concludes the insurance contract between the insurance agent and the user using the insurance agent terminal and the user terminal. A second step of providing the insurance agent with a marketing fee and a certain percentage of the expenses for the insurance agent to spend as marketing expenses in accordance with the conclusion of the insurance contract; The company pays a certain percentage of the marketing fee in points to the insured customer. Which consists of a fourth stage which belong to the insurance broker.

Description

Point paying system for insured customers using internet insurance brokerage {Point Payment System Using Internet Insurance Agency and Method}

1 is a block diagram of a point payment system according to the present invention,

FIG. 2 is a homepage screen configuration diagram of the Internet insurance brokerage server shown in FIG. 1;

3 is a flowchart of a point payment method according to the present invention;

4 is a detailed flowchart of the customer insurance inquiry / registration step shown in FIG. 3;

Figure 5 is an exemplary table of points payment according to the present invention.

<Description of the symbols for the main parts of the drawings>

10: user terminal 20: insurance agency terminal

30: insurance broker server 32: customer DB

34: Insurance product DB 36: Points DB

38: agency DB 40: Internet network

The present invention relates to an insurance customer point payment system and method using Internet insurance intermediary, and more specifically, the insurance agent provides marketing information to the insurance agent designer through the Internet, the insurance agent provides marketing information To pay a portion of the costs to subscribers.

In general, there are many forms of insurance, but it is a product that pays a pre-determined amount of insurance in the event of periodic or temporary payment among the subscribers who encounter accidents or congratulations specified in the contract.

Such insurance is a commerce and a contract between the insurance company that sells it and the subscriber who purchases it, usually through subscription through an insurance agent or through the Internet.

Insurers who purchase insurance through a design company develop a predetermined insurance product and deliver specific sales instructions on the amount, duration, and nature of the insurance product through a distributor who sells the insurance product, and sell the insurance product according to these sales instructions. Will recommend and enroll appropriate insurance products based on the subscriber's current situation and wishes.

Insurance products with multiple intermediate stages are calculated to include all costs for operating the insurance company's organization such as labor costs, advertising expenses, and premiums, so the distribution stage of the products is made through multiple stages. Since consumers have unreasonable shortcomings and insurance products are considered necessary, they often sign up for the recommendation of designers rather than signing up. There is a tendency to not meet.

In addition, the method of applying for insurance using the Internet is a form in which an Internet user who uses a computer system and an insurance handling agency exchange information by directly exchanging information through the Internet network. An Internet user accesses an insurance handling agency through the Internet. If the insurance agency guides various insurance products, and the Internet user decides in advance according to the insurance product guide or inputs the user information according to the instructions of the insurance agency, the entered user information is processed by the insurance handling agency. Entered into the host to present a master plan such as a subscription plan.

After querying the user information according to the planned subscription design, the input variables such as monthly payment, dividend desired amount, and compensation amount are calculated.

Next, the inputted variables are combined to determine whether they are suitable for the insurance product of the insurance handling agency. If the handling criteria are met, the handling approval procedure is performed, the results are transmitted to the Internet user, and the insurance processing is terminated.

Such a subscription using the Internet can satisfy the subscriber's desire to compare the conditions and to subscribe to the insurance product, but the insurance maintenance is required when insurance is required to pay the premiums periodically due to the lack of follow-up by the insurance agent in charge. There was a difficult problem.

The present invention has been made in order to solve the above-described problems, by providing information to the insurance agent designer through the Internet, the prospective customer inputs a portion of the costs that the insurance agent will spend as a marketing cost to the subscriber when the insurance By paying a fee, subscribers can compare their insurance products with each other and purchase insurance that meets their needs at a low cost. The point system and method of paying customers with insurance points using internet insurance brokerage, which can be easily attracted by receiving the customer's information and converting a portion of the expenses that the insurance agent has spent for marketing expenses to the point. The purpose is to provide.

Insurance point customer point payment system using the Internet insurance broker according to an embodiment of the present invention for achieving the above object, the insurance terminal is a user terminal equipped with a web browser program and input and output devices and the insurance agent terminal online on the Internet network Connected to the server and configured,

When the insurance broker server accesses the insurance broker server from the user terminal, the insurance broker server provides various insurance product information to the user terminal to induce insurance, and when there is an insurance inquiry, receives insurance information from the user terminal to the insurance agent terminal. It is provided with inquiry insurance, and when the insurance contract is concluded between the employer and the insurance agency designer, the insurance agent pays a part of the expenses to the user as a marketing expense.

In addition, the insurance customer point payment method using the Internet insurance broker according to an embodiment of the present invention, the customer inquires about the insurance that the customer wants to subscribe in the state connected to the insurance broker server using the user terminal and his personal In case of inputting the matter, the first step of connecting the customer and the insurance agent and the insurance agent instructs the customer about the insurance inquired by the insurance agent terminal, and the insurance agent and the user using the insurance agent terminal and the user terminal. A second step of signing an insurance contract between the third parties and a third of providing online insurance brokers with insurance fees as a marketing fee a certain percentage of the expenses that the insurance agent will spend as marketing expenses in accordance with the insurance contract. Step, and the insurance broker points a certain percentage of the marketing fee to the insured customer Payment and the other is characterized by comprising a fourth step that belongs to insurance broker to.

Hereinafter, the configuration and operation of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram of a point payment system according to the present invention.

Point payment system of the present invention is connected to the insurance terminal terminal (20a ~ 20n) installed in the user terminal (10a ~ 10n) and the insurance agency on the Internet network 40, and various insurance products to the user through the Internet network (40) Providing information to induce the insurance, and if there is a willingness to insure the customer, provide the customer's information to the insurance terminals 20a to 20n, and when the insurance contract is concluded between the user and the insurance agent, the insurance agent spends the marketing cost. Insurance brokerage server 30 that pays a portion of the cost to the user is made.

The user terminals 10a to 10n and the insurance agency terminals 20a to 20n are provided with a web browser program and an input / output device to connect to the URL address of the insurance broker server 30.

When the insurance broker server 30 is connected from the user terminals 10a to 10n or the insurance agent terminals 20a to 20n, the insurance broker server 30 outputs an initial screen suitable for the web browser environment of the terminal, and the terminals 10a to 10n ( Outputs screens of various pages corresponding to the inputs 20a to 20n).

The insurance brokering server 30 concludes a marketing agreement regarding insurance brokerage and commission payment according to the insurance agent in order to provide the above service, the user terminal (10a ~ 10n) and the Internet network 40 from a plurality of customers Provide, store and manage human information through

An insurance agent that has entered into a marketing agreement with the insurance brokerage server 30 provides insurance agent information, insurance product information to be handled, and designers belonging to the insurance agent to the insurance brokerage server 30.

The insurance brokerage server 30 manages and operates a customer DB 32, an insurance product DB 34, a point DB 36, and an agency DB 38 to broker insurance and pay points.

The customer DB 32 stores the personal information of the registered customer, the insurance product information subscribed to the customer, and the point information paid according to the insurance subscription.

The insurance product DB 34 can be compared by insurance company or by product type (eg life insurance, pension / saving insurance, comprehensive / health insurance, child insurance, term insurance, filial insurance, fire insurance, auto insurance). The insurance product information is stored so that the information on the insurance product is output when the user terminal 10a to 10n accesses the insurance product view.

The point DB 36 stores points for each insurance product, and outputs point information when the user terminal 10a to 10n is connected to request a point view.

The points may be differently set by insurance products, but in the present invention, insurance agents collectively set a certain ratio of expenses to be spent as marketing expenses, and the ratio is determined at the time of business agreement.

The agency DB 38 stores insurance agent information, handling insurance products, and information of designers belonging to the insurance agent.

This insurance agent information is necessary to connect the insurance agent and the life planner who are close to the customer who wishes to purchase insurance with the user and the life planner who meets the customer's inquiry insurance.

In the above configuration, when the personal information is input while being connected to the insurance brokerage server 30 using the user terminals 10a to 10n and being surely aware of insurance products and points, the insurance brokerage server 30 is suitable for the user. The insurance agent and the insurance agent are found and connected to the agency DB 38, and the customer information is provided to the insurance agent terminals 20a to 20n.

When the insurance contract for the insurance product inquired through the Internet network 40 between the insurance agent terminals 20a to 20n and the user terminals 10a to 10n is concluded, the insurance agent pays a marketing fee to the insurance brokerage company, The insurance broker pays the customer a percentage of the marketing fee.

At this point, if the point is over a certain point, it can be cashed.

The insurance agent may be the case of an insurance company or a designer that has entered into a marketing agreement of insurance brokerage and point payment with an insurance broker.

That is, a marketing agreement for insurance brokerage and marketing commission payment with an insurance broker may be concluded with an insurance company or an insurance agent as well as an insurance agent.

2 is a diagram illustrating a homepage screen 100 of the Internet insurance brokerage server shown in FIG. 1.

The insurance shopping mall menu 102 introduces an overview of insurance types and major insurance products by insurance companies or products according to their needs and characteristics.

The budget insurance menu 104 lists the superiority and the advantages in the case of insurance through the insurance broker server 104 compared to the case of insurance through another Internet or insurance company.

The electric signboard menu 106 shows in real time the total amount of points to be paid in the next month from the current time of each month.

The point guide menu 108 contains details on how to earn points, how to use them, and how to use them.

The news menu 110 provides in real time various news such as securities, real estate, finance related to insurance and insurance.

In the insurance inquiry menu 112, inquiries related to insurance are classified into general inquiries, specialized inquiries, and other insurance consulting.

In the quotation request status menu 114, the inquiry contents are sequentially displayed on the screen.

Point use menu 116 guides you to use points in ways such as cash refund, point park exchange, donation.

3 is a flowchart of a point payment method according to the present invention.

First, a marketing agreement is concluded between an insurance broker and an insurance agent using the insurance broker server 30 and the insurance agent terminals 20a to 20n connected through the Internet network 40 (S202).

As described above, the insurance agent may be an insurance company or an insurance agent.

The insurance brokerage firm and the insurance agent conclude a contract based on jointly performing the overall work of providing the customer's convenience through the marketing agreement and paying the customer a certain portion of the profits obtained through the contract. do.

In the above contract, the insurance agent pays the insurance broker a certain percentage of the expenses that the insurance agent will spend as marketing expenses when the contract is concluded by using the customer information provided by the insurance broker, and the insurance broker. The company pays a certain percentage of the marketing fee as points to the customer, and the insurance agent includes the fact that the customer who has been informed by the insurance broker must sign the contract through the insurance broker.

Next, the customer inquires about the insurance to be insured and registers in a state in which the customer is connected to the insurance brokerage server 30 using the user terminals 10a to 10n (S204).

As shown in FIG. 4, when a customer first accesses the insurance brokerage server 30 by inputting the URL address of the insurance brokerage server 30 to the user terminals 10a to 10n, the insurance brokerage server 30 is the user terminal. When the homepage screen 100 as shown in FIG. 2 is displayed on 10a to 10n, and the customer presses the insurance shopping mall menu 102 on the homepage using the user terminals 10a to 10n, the insurance product of interest is selected. The screen describing the insurance product is output to the user terminals 10a to 10n, and the customer checks the screen to promote overall understanding of the insurance product of interest (S204a).

When the insurance to be determined through the overall understanding of the insurance product of interest is determined, press the point guide menu 104 again to perform the same procedure as in step S204a to check the contents of the point payment and the method of use (S204b). ).

If you understand the point according to the present invention, press the insurance inquiry menu (112) to enter their personal information, such as insurance type, name, date of birth, address, telephone number, gender, single, inquiry details insurance brokerage server It sends to 30 (S204c).

The insurance inquiry menu 112 may be classified into a new inquiry, a professional inquiry, and an existing insurance consulting to configure a menu to receive an insurance menu.

The new inquiries are general insurance inquiries and do not require consulting such as inheritance and transfer. The specialized inquiries are inquiries requiring professional consulting such as inheritance and transfer and require consulting by tax accountants, accountants and lawyers.

In addition, the existing insurance consulting is an inquiry in the case of the need and reorganization of the insured insurance.

When the personal information input is transmitted, the insurance brokerage server 30 searches and finds an insurance agent or an insurance agent corresponding to the input personal information in the agency DB 38, and then connects the designated insurance agents by pop-up. (S204d).

The designated insurance planner registers the contents of activities such as in progress, abandonment, delay, and contract completion for the designated customer through the insurance agency terminals 20a to 20n (S204e).

Again, the designated insurance planner who received the inquiry from the customer through the insurance broker server 30 in the flowchart of FIG. 2 transmits and receives data between the terminals 10a to 10n and 20a to 20n so that the customer can make an insurance contract. Guide the insurance information to the customer through (S206).

In step S206, the designated insurance planner provides the customer with the necessary insurance and the insurance company's comparative estimate prepared in advance, and various materials accordingly, and guides them to the points.

As described above, the insurance agent guides the insurance contents necessary for the brokered customer in the insurance broker server 30, and then concludes an insurance contract for the insurance to be insured (S208).

When signing the insurance contract, observe the copy of the contract, the provision of the agreement, the autograph signature, and after the conclusion, guide the member to join the points once again, and afterwards, deliver the insurance certificate.

The insurance agent bills and receives marketing expenses for each insurance company (S210).

The insurance agent charges marketing expenses for each insurer for the contract contracted between the first and the end of each month, and receives it next month. Upon receipt, the insurance agent receives and cancels the customer cancellation and other deductions and manages the contents.

The insurance agent pays the marketing commission to the insurance broker, for example, 60% of the total insurance attraction fee based on the marketing partnership agreement (S212).

The insurance broker pays the points according to the distribution rules for each customer based on the registered customer from 1st to the end of the month (S214).

In this case, the points are divided into three points: new subscription point, maintenance point, and new recommendation point, and all points are summed up.

The reason for paying the 1/12 split is to prevent loss when the insurance contract is terminated within one year.

New Membership Points are paid when a customer who joins on the first day of each month from the end of the month remains a new customer until the 15th of next month.

The maintenance point jointly pays a certain percentage (eg 10%) to the insurer attributable to the former subscriber.

New referral points are paid to customers who recommend a certain percentage (for example, 10%) to the brokerage firm at the time of recommendation.

The insurance brokerage attributable is the remaining points paid to the customer among the marketing fees paid by the insurance agent.

At this time, it is preferable to prevent all losses due to termination within one year by integrated management and by dividing the points into cumulative points and available points so that only available points can be used separately.

And the point is cashed if the available point is 100,000 points or more, for example (S216).

In addition to cashing, you can switch to Point Park and use it for various payments.

5 is an exemplary table of point payments according to the present invention.

In the example table of FIG. 5, 60% of the marketing cost (insurance fee) paid to the insurance agent by the whole insurance company is paid to the insurance broker as a marketing fee, and the remaining 40% is distributed to the insurance planner according to the performance.

The insurance broker pays 66.7% of the new marketing fee once, according to the insurance company's payment point payment rate, and the remaining 33.3% belong to the insurance broker.

The maintenance fee (points) will be paid to the insurance brokerage company (33.3%) next month according to the customer distribution rate for 10% of the points.

The maintenance fee (points) is calculated only for 12 months after subscription.

The new attraction fee (points) will be paid according to the distribution rate for the contracts through the introduction of December in the amount of 10% for the member of the insurance brokerage company (33.3%) next month.

In FIG. 5, when A introduces G in December, the new attracting fee (point) received by A is 400,200 won, and when B introduces F in December, the new attracted fee (point) received by B is 500,250 won. .

All fees (points) are integrated and managed in 1/12 equals, and all available points and cumulative points are deleted for instructions within one year.

As described above, according to the present invention, the information provided by the prospective customer through the Internet is provided to the insurer or the agent of the insurance agent, so that the insurance agent pays a part of the expenses that the insurance agent will spend as the marketing cost when the insurance is signed. By comparing insurance products with each other, subscribers can purchase insurance that meets their needs at a low price, and can continuously maintain the insurance contracted by a dedicated planner's follow-up service. The insurance agent can easily attract insurance by converting a portion of the expenses that the insurance agent will spend as marketing expenses into points.

Claims (10)

A user terminal equipped with a web browser program and an input / output device and an insurance agent terminal are configured to be connected to an insurance broker server online on an Internet network. When the insurance broker server accesses the insurance broker server from the user terminal, the insurance broker server provides various insurance product information to the user terminal to induce insurance, and when there is an insurance inquiry, receives insurance information from the user terminal to the insurance agent terminal. It is provided with inquiry insurance, and when the insurance contract is concluded between the user and the agent's insurance agent, the insurance agent pays a part of the expenses to be paid as marketing expenses to the user. system. The method of claim 1, The insurance broker server is a customer DB that stores the personal information of the registered customer, the insurance product information subscribed to the customer and the point information paid according to the insurance, and Insurance product DB, where insurance product information is stored for comparison by insurance company or product type, A point DB in which points are stored for each product type, Insurance agent information and handling insurance point customer insurance system using the Internet insurance broker, characterized in that for managing and operating an agency DB that stores insurance products and information of the insurance agent belonging to the insurance agent. The method of claim 1, The insurance broker server divides the insurance inquiry into a new inquiry that does not require consulting, a professional inquiry that requires professional consulting, and an existing insurance consulting for the registered insurance. Insurance customer point payment system using the Internet insurance broker, characterized in that. The method of claim 1, The point is divided into a cumulative point and an available point, and the insurance customer point payment system using the Internet insurance broker, characterized in that the available point is a certain point or more to cash out. The method according to claim 1 or 4, The point is the insurance customer point payment system using the Internet insurance broker, characterized in that the insurance agent pays a certain percentage of the expenses that the insurance agent will spend as marketing expenses irrespective of the insurance company or insurance type of the insurance that the customer subscribed. A first step of connecting a customer and an insurance agent, when a customer inquires about insurance to be insured and enters his / her personal information while the customer is connected to the insurance brokerage server using a user terminal; A second step of informing the customer about the insurance inquired by the insurance agent using the insurance agent terminal, and entering into an insurance contract between the insurance agent and the user using the insurance agent terminal and the user terminal; A third step in which the insurance agent pays a certain percentage of the expenses that the insurance agent will spend for the marketing expenses in accordance with the insurance contract online to the insurance brokerage company operating the insurance brokerage server; The insurance broker pays a certain percentage of the marketing fee to the insured customer points, and the rest of the insurance belonging to the insurance broker, characterized in that the fourth step of belonging to the insurance broker company. The method of claim 6, The first step may include outputting a screen describing the insurance product to the user terminal when the customer accesses the insurance brokerage server through the user terminal and selects an insurance product of interest by pressing an insurance shopping mall menu on the homepage; Outputting a screen describing the point to the user terminal when selecting by pressing the point guide menu on the homepage using the user terminal; Using the user terminal to input the insurance type, inquiry contents and his or her personal information on the screen printed by pressing the menu of the insurance statement on the homepage, and transmitting it to the insurance broker server; Searching and finding an insurance agent or insurance company corresponding to the personal information inputted from the insurance broker server, and then popping up the designated insurance planner (POP-UP) to connect with each other; Registered insurance point payment method using the Internet insurance broker, characterized in that the designated insurance agent comprises the step of registering the activity, such as ongoing, abandonment, delay, contract completion for the designated customer using the insurance agent terminal. The method of claim 6, Points belonging to the insurance brokerage company are then paid as a new inducement point when the insured customer attracts other new customers and the insurance is contracted, or as a maintenance point when the insured insurance is maintained. How to pay for insurance customers using Internet insurance brokerage. The method of claim 8, All of the points are divided into 1/12 by the payment method for insurance customers using the Internet insurance broker, characterized in that the monthly payment. The method of claim 6, The points are managed by dividing the available points and cumulative points, the available points can be cashed when a predetermined point or more, characterized in that the insurance customer insurance point payment method using the Internet insurance broker.

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