KR101835209B1 - Terminal insurance applicant and additional service supply method via wire service and system of the same - Google Patents

Abstract

In the case where a customer joins an insurance company through a communication company, the present invention can reduce the cost of the insurance subscriber by accumulating coupons, mileage, and cash as well as accumulating points, thereby increasing the number of subscribers of the lost insurance, And thereby provide a method and system for providing subscription and additional service of loss / damage insurance for a mobile terminal through a communication company so as to reduce the insurance payment ratio of the insurance company.
A method of providing a subscription and additional service of a loss / damage insurance for a mobile terminal through a communication company according to a preferred embodiment of the present invention includes the steps of: communicating to a customer center using a line of a corresponding carrier, A step of receiving a call with a consultant of a communication company and informing whether or not to join the loss / damage insurance of the corresponding mobile terminal; The method comprising the steps of: receiving personal authentication with a mobile terminal of the user; Transferring the terms of use to the user's mobile terminal to obtain a contract agreement for loss / damage insurance; When the agreement is reached, the communication company completes the contract through the recording and recording of the loss / damage insurance subscription; Transferring the lost / damaged insurance to the insurance company selected by the communication company; The insurer requests the customer's subscription and withdrawal of the supplementary service member to the customer's mobile terminal and registers and manages the customer subscribed to the supplementary service member through the customer integrated management server; And transmitting advertisement data in the form of images, texts, URLs, and moving images to a mobile terminal of a customer registered as an additional service member by receiving advertisement data of the advertisement business owner through an advertisement server.

Description

Technical Field [0001] The present invention relates to a method and system for providing subscription and additional service for loss / damage insurance of a mobile terminal through a communication company,

The present invention relates to a method and system for providing a subscription and additional service of a lost / damaged insurance for a mobile terminal, and more particularly to a system and method for providing a subscription and a supplementary service of a mobile terminal when a consumer joins an insurance company through a communication company, The number of subscribers to the lost insurance can be increased and the loss of the terminal can be minimized so that the loss ratio of the insurance company can be reduced. A service providing method and a system thereof.

According to a survey released by the Consumer Citizens' Association regarding the insurance against the loss or damage of the terminal, there is a difference depending on the company, the terminal price and the period of use. However, In order to receive the compensation, it is known that the consumer should bear the amount equivalent to 42% ~ 49% based on 10 months premium payment.

According to the Commercial Law, the insurer is required to issue insurance contracts to the policyholders at the time of signing the insurance contracts and to inform them of important contents of the contracts. However, regarding the contract conditions of the smartphone insurance The survey found that only 70% of respondents knew that insurance premiums were paid, while only 58% knew insurance coverage. I do not know about the compensation amount, the copayment, the compensation processing method, etc., which are important contents related to the actual compensation, and it is shown that most of the conditions excluding the compensation processing are not known.

In addition, loss reports of handsets are increasing every year, while recovery rates are lower.

Looking at the requirements for loss insurance, it is possible to subscribe for new, numbered, and device changes within 30 days for customers who have joined T Basic Agreement / T Installment Support / Special Agreement Discount / LTE Plus Agreement Discount / LTE Special Discount. In addition, it is necessary to check and certify whether the device is normally available at the time of subscription. If there is no call record after the date of subscription, compensation is not possible. On the day of subscription, there is no need for certification or confirmation, and only the same type of lost cell phone can be redeemed.

Therefore, it is necessary to reduce the cost of losing the loss of the customer 's mobile phone, and the insurer should provide a detailed explanation of insurance subscription and compensation and additional service, as well as a plan to lower the insurance payment rate.

As a background of the present invention, Korean Unexamined Patent Publication No. 10-2009-0008501, "1: 1 insurance consultation using internet and mobile phone authentication and other marketing" has been proposed. It connects the customer who wants to join the insurance (hereinafter referred to as the customer) and the insurance agent (FC: Financial Consultant) who requires the applicant through the Internet, so that the customer can receive insurance information through 1: 1 consultation And provide FC with an opportunity to consult with customers who are willing to insure. In addition, FC has a distribution network that allows you to purchase promotional items at a low price, (Short Message Service / mobile phone text) and other (e-mail, etc.).

However, in the background art, since the temporal / monetary loss of the FC due to the bad information is eliminated, the probability of success of the insurance can be increased by filtering the customer whose insurance intention is weak in the authentication process, thereby reducing the insurance cost burdened by the consumer There is no way to do that, and there is no infrastructure to partner with advertisers.

Korean Patent Laid-Open No. 10-2009-0008501

In the case where a consumer joins an insurance company through a communication company, the present invention can reduce the cost of the insurance subscriber by accumulating coupons, mileage, and cash as well as accumulating points, thereby increasing the number of subscribers to the lost insurance, It is also possible to minimize the loss of handsets as well as increase understanding and satisfaction of insurance subscribers through the enhancement of functions such as insurance policy explanations. Therefore, it is possible to reduce the insurance payment ratio of insurance companies. And an additional service providing method and system.

A subscription and additional service providing method of loss / damage insurance for a mobile terminal through a communication company according to a preferred embodiment of the present invention includes:

The method comprising the steps of: communicating to a customer center using the line of the communication company using the mobile terminal of the customer;

A step of receiving a call with a consultant of a communication company and informing whether or not to join the loss / damage insurance of the corresponding mobile terminal;

The method comprising the steps of: receiving personal authentication with a mobile terminal of the user;

Transferring the terms of use to the user's mobile terminal to obtain a contract agreement for loss / damage insurance;

When the agreement is concluded, the correspondent company obtains the explanation and consent of the insurance product to the insured person through recording, and completes the registration of the loss / damage insurance;

Transferring the lost / damaged insurance to the insurance company selected by the communication company;

The insurer requests the customer's subscription and withdrawal of the supplementary service member to the customer's mobile terminal and registers and manages the customer subscribed to the supplementary service member through the customer integrated management server;

And transmitting advertisement data in the form of images, texts, URLs, and moving images to a mobile terminal of a customer registered as an additional service member by receiving advertisement data of the advertisement business owner through an advertisement server.

Further, the method may further include transmitting the coupon generated by the coupon issuing device at the request of the coupon and cash affiliate to the customer's mobile terminal and transmitting either a gift item, a surrogate driving discount coupon, a grocery discount coupon or an electronic money .

In addition, the method further includes the step of generating a point and accumulating the advertisement through the point accumulation server when the advertisement transmitted to the customer's mobile terminal is exposed for a predetermined time.

In addition, a friend recommendation and an invitation message are added to the advertisement transmitted to the customer's mobile terminal, and a friend's recommendation and invitation message are selected, and a guidance message of the lost / damaged insurance is transmitted to the mobile terminal of the recommended friend And a step of accumulating additional points to the customer.

Also, the customer integrated management server is connected to a terminal care system associated with the application development operator;

Performing a function of searching for a lost terminal mobile terminal's terminal, a function for remotely transferring and deleting terminal data, a location tracking function for a lost terminal, and a locking function for disabling the confirmation of personal information, .

Meanwhile, the subscription and additional service providing system of the loss / damage insurance of the mobile terminal through the communication company of the present invention,

A customer integrated management server for accepting loss / damage insurance transferred through a communication company to request an insurance customer to join and withdraw an additional service member, and to store and manage information of the member to be joined;

An advertisement server for transmitting an advertisement to a mobile terminal of a subscriber when an advertiser or an affiliate requests an advertisement;

A point accumulation server for accumulating points when an advertisement transmitted to a customer's mobile terminal is exposed for a predetermined time;

A coupon issuing device for issuing a coupon when a coupon issuing request is issued from an advertiser or an affiliate company and transmitting the coupon to the mobile terminal of the joining member;

Terminal care for transferring an app having a lock function for disabling personal information confirmation to a terminal of a subscriber member from a subscriber to a mobile terminal, And a system.

According to a method and system for providing subscription and additional service of a loss / damage insurance of a mobile terminal through a communication company of the present invention, when a consumer joins an insurance company through a communication company, not only points but also coupons, mileage, Since the cost burden of the subscriber can be reduced, the number of members of the loss insurance can be increased.

In addition, if the terminal care system is utilized as an additional service, the loss of the terminal can be minimized, and the insurance coverage ratio of the insurance company can be reduced.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate exemplary embodiments of the invention and, together with the description, serve to explain the principles of the invention, Shall not be construed as limiting.
FIG. 1 and FIG. 2 are flowcharts for providing a subscription and additional service of loss / damage insurance for a mobile terminal through a communication company according to the present invention.
3 is a flowchart illustrating a configuration and a method of a subscription and supplementary service providing system for loss / damage insurance for a mobile terminal through a communication company according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described in detail below with reference to the embodiments shown in the accompanying drawings, but the present invention is not limited thereto.

First, a subscription of lost / damaged insurance for a mobile terminal through a communication company and a method of providing an additional service will be described with reference to the control flowchart of FIG. 1 and FIG. 2 and the system flowchart of FIG.

(S101) of communicating with the customer center using the line of the correspondent company (12) to the mobile terminal (10) of the customer as shown in Figs. 1 and 2.

Next, after the call with the agent of the communication company 12, the user is informed of whether or not the loss / damage insurance of the corresponding mobile terminal 10 is subscribed (S102)

Then, if a request for joining the loss / damage insurance is made, the user's identity is received by the mobile terminal 10 of his / her name (S103). This can be done by receiving the personal number through the mobile number and inputting the corresponding authentication number .

Then, the user has a step of receiving the terms of use to the mobile terminal 10 of his / her own name to obtain a contract agreement of loss / damage insurance (S104).

Then, when a contract agreement on the insurance product is made by carrying out the explanation and recording of the insurance contract matters through the agent of the communication company, the communication company 12 completes the registration of the loss / damage insurance (S105).

Then, the insurance company 14 has a step of transferring the loss / damage insurance to the insurance company 14 selected by the communication company 12 (S106). Here, the insurer 14 may be a place affiliated with the communication company 12.

Then, the insurance company requests the subscription and withdrawal of the additional service member to the customer's mobile terminal 10 through the customer integrated management server 110 as shown in FIG. 3 (S110)

Next, the subscription confirmation S111 is confirmed, and a step S112 of registering and managing a customer who has been subscribed as an additional service member through the customer integrated management server 110 is performed.

Then, the advertisement data of the advertisement business owner 16 is received through the advertisement server 130 and is transmitted to the mobile terminal 10 of the customer registered as the supplementary service member in the form of at least one of image, text, URL, And transmitting the advertisement (S113).

Here, if the advertisement transmitted to the customer's mobile terminal 10 is exposed for a predetermined time, the point can be further generated and accumulated through the point accumulation server 122 (S114).

In addition, a friend recommendation and an invitation message are added to the advertisement sent to the customer's mobile terminal 10 along with a point addition, and when a friend recommendation and invitation message are selected, a guidance message of lost / And a step S115 in which points are additionally accumulated to the customer.

Thereafter, it may further have a step S117 of issuing a coupon generated via the coupon issuing device 150 by the request (S116) of the coupon and cash affiliate 18. Here, the coupon may be any one of a gift item, a surrogate driving discount coupon, a grocery discount coupon, and an electronic money transmitted to the customer's mobile terminal 10.

3, the terminal management system 140 connected to the application development operator may be connected to the customer integrated management server 110. [ The terminal care system 140 includes a terminal searching function of a lost mobile terminal, a remote data transfer and deletion function, a location tracking function for a lost terminal, and a locking function for disabling personal information verification.

In this case, after the request (S200) of the terminal care system 140 is received, the member customer downloads an application capable of driving the terminal care system 140 (S201) to find the lost terminal, The remote relocation and deletion function, the location tracking function for the lost terminal, and the locking function for disabling the personal information confirmation (S202).

In this manner, the integrated management server 110 is provided to perform the method of providing the subscription of the loss / damage insurance of the mobile terminal through the communication company and the method of providing the supplementary service. The integrated management server 110 receives the loss / damage insurance transferred through the communication company 12, requests the insurance customer to join and withdraw the additional service member, and stores and manages the information of the member to be joined.

The integrated management server 110 is connected to the advertisement server 120. The advertisement server 120 transmits an advertisement to the mobile terminal 10 of the registered member registered in the integrated management server 110 when there is an advertisement request from an advertiser or an affiliate.

The point server 122 is connected to the advertisement server 120. The point accumulation server 122 accumulates points when the advertisement transmitted to the customer's mobile terminal 10 is exposed for a predetermined time. When the point accumulation server 122 selects the friend recommendation message and the invitation message included in the advertisement transmitted to the customer's mobile terminal 10, the guidance message of the loss / damage insurance is transmitted to the mobile terminal of the recommendation friend, To earn additional points.

The coupon issuing device 130 is connected to the integrated management server 110. The coupon issuing device 130 issues a coupon when the coupon issuing request is issued from the advertiser 16 or the affiliate 18 and transmits the coupon to the mobile terminal 10 of the registered member registered in the integrated management server 110. [

Meanwhile, the terminal care system 140 may be provided for the loss of the mobile terminal 10 registered in the integrated management server 110, tracking of data, location tracking, and management of personal information.

The terminal care system 140 includes a terminal search function unit, a terminal data remote transfer and deletion function unit, a location tracking function unit for the lost terminal, and a lock function unit for disabling the personal information check. Each of these functions can be performed by the customer's choice and request.

The terminal search function unit uses the Bluetooth function built in the terminal to make an alarm sound or an alarm light when it goes beyond a certain distance. For example, the alarm sound and the alarm light can be applied to the necklace type and interlocked with the terminal, thereby making it easy for the customer to store and use.

The remote data transfer function and the deletion function of the terminal data, and the lock function unit for disabling the personal information confirmation, when the user issues an execution command from the management server to the control server via the communication network, the push- The lost phone performs command reception and remote command after connecting to the server, and transmits the result of the execution to the management server.

As is well known, the location tracking function for the lost terminal tracks the location of the lost terminal by interworking with the GIS / MAP server through the mobile communication network in the middle.

As described above, according to the present invention, when a customer joins an insurance company through a communication company, it is possible to reduce the cost of the insurance subscriber by accumulating points, coupons, mileage, and cash as well as accumulating points, .

In addition, if the terminal care system is utilized as an additional service, the loss of the terminal can be minimized, and the insurance coverage ratio of the insurance company can be reduced.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art in light of the above teachings. will be. The invention is not limited by these variations and modifications, but is limited only by the claims appended hereto.

110: Customer integrated management server
120: Ad server
122: Point Acquisition Server
130: coupon issuing device
140: Terminal Care System

Claims (6)

A customer integration management server 110 for accepting loss / damage insurance transferred through a communication company 12 to request an insurance customer to join and withdraw an additional service member and to store and manage information of the member to be joined;
An advertisement server (120) for transmitting an advertisement to a mobile terminal (10) of a subscriber when an advertisement request is made from an advertiser or an affiliate;
A point accumulation server 122 for accumulating points when the advertisement transmitted to the customer's mobile terminal 10 is exposed for a predetermined time;
A coupon issuing device (130) for issuing a coupon when a coupon issue request is issued from the advertiser (16) or an affiliate company and transmitting the coupon to the mobile terminal (10) of the affiliated member;
An application having at least one of a terminal search function of the mobile terminal, a remote data transfer and deletion function of the mobile terminal, a location tracking function of the lost terminal, and a lock function of disabling the personal information confirmation from the subscription member to the mobile terminal 10, And a terminal care system (140) for transmitting the lost / damaged insurance to a terminal of the mobile terminal through a communication service provider As a method,
Communicating with a customer center using the line of the correspondent company (12) to the mobile terminal (10);
A step of receiving a call with a consultant of a communication company (12) and informing whether or not to join the loss / damage insurance of the corresponding mobile terminal (10);
The method comprising the steps of: receiving personal authentication by a mobile terminal (10);
Transferring the terms of use to the user's mobile terminal (10) to obtain a contract agreement for loss / damage insurance;
When the contract is completed through the guidance and agreement of the contract items for the insurance product through the agent of the communication company, the correspondent company 12 completes the registration of the loss / damage insurance;
Transferring the loss / damage insurance to the insurance company 14 selected by the user through the communication company 12;
The insurer requests the customer's mobile terminal 10 to join and withdraw the additional service member, and registers and manages the customer who is subscribed to the additional service member through the customer integrated management server 110; And
The advertisement data of the advertisement business owner 16 is received through the advertisement server 130 and the advertisement of at least one of image, text, URL and moving image is transmitted to the mobile terminal 10 of the customer registered as the additional service member ; ≪ / RTI >
The coupon is issued to the mobile terminal 10 of the customer through the coupon issuing device 150 at the request of the coupon and cash affiliate company 18, ;
If the advertisement transmitted to the customer's mobile terminal 10 is exposed for a predetermined time, the point is generated and accumulated through the point accumulation server 122;
A friend recommendation message and an invitation message are added to the advertisement sent to the customer's mobile terminal 10 and a message of a lost / damaged insurance is transmitted to the mobile terminal of the friend of recommendation And accumulating additional points to the customer;
At least one of a terminal search function of the mobile terminal that the customer 10 has lost through the terminal care system 140, a remote data transfer and deletion function of the terminal data, a location tracking function of the lost terminal, and a lock function of disabling the personal information check And performing the function of the loss / damage insurance of the mobile terminal through the communication company. delete delete delete delete delete

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