KR20000023911A - Opening method for insurance with mobile phone - Google Patents

Abstract

PURPOSE: A method for insuring using a mobile phone is provided to increase a selling of an insurance commodity which an insurance contract amount is small. CONSTITUTION: A method for insuring using a mobile phone includes four steps. A first step is to through a mobile communication company comprise a server to provide a data with a subscriber, provide a program introducing and inviting an insurance contract using a character in the server, and establish so as to receive an order of the server to a subscriber terminal. A second step is to select an insurance bill and a personal item of a subscriber when selects an insurance mode. A third step is to provide the selected data with an insurance company connected to a server through the server to join in an insurance with a wireless.

Description

Opening method for insurance with mobile phone}

The present invention relates to an insurance method using a mobile phone, comprising a preliminary step of setting up a separate server to be connected with a mobile telecommunications carrier so that the insurance can be used using the mobile phone, and insurance sales to the server and the mobile phone. The present invention relates to an insurance subscription method using a mobile phone, which includes a step of supplying a text message to select and allowing a direct subscription to an insurance company associated with a server.

In general, insurance companies provide insurance information by insurance agents in consultation with customers and provide various information related to insurance. To do this, a small computer is used to collect and provide insurance company data through a modem. However, when insurance agents visit directly without a computer, there is a problem in that mobility is insufficient for sufficient service support due to the limitation of the data carried by the insurance agents. In addition, when insurance premiums, such as travel insurance, are low, insurance premiums are difficult to be invited by insurance planners due to low insurance premiums.

In addition, it is convenient to use a computer, but due to the limitation of speed using a modem, it is also time-consuming to collect large amounts of data with pictures. Adversely affects.

On the other hand, the mobile phone, as shown in Figure 1 through the repeater of the mobile communication company 1, the subscribers using the mobile phone (2) call each other wirelessly, the mobile phone (2) has the ability to send and receive text to enable the Internet If you have to have a text through the Internet (3).

The present invention is to solve this problem, an object of the present invention is to enable the mobile subscriber to easily subscribe to the insurance product of the insurance company using a mobile phone as a way to promote the sale of insurance products with low insurance contract amount .

To this end, the present invention establishes a server that provides information for recommending insurance, and the server connects a mobile carrier and an insurance company to provide a method for enabling subscribers to use the mobile phone when necessary. I will.

1 is a system configuration for operating a general mobile communication telephone,

2 is a system configuration diagram of the present invention;

3 is a flowchart of the present invention.

Explanation of symbols for the main parts of the drawings

11; server 12; main computer 13; database unit

That is, the present invention includes a server for providing data to a subscriber through a mobile carrier when a wireless telephone subscriber transmits and receives a call through a mobile carrier, and the server includes a program for inviting and guiding an insurance contract by text. A preliminary step of setting the terminal to receive a command of the server as a text;

A first step of checking whether there is an insurance mode selection in a call after the preliminary step;

A second step of selecting subscriber details and premiums when selecting an insurance mode;

The third step of providing the selected data to the insurance company connected to the server through the server to wirelessly insure the insurance to provide a method of insurance using a mobile phone, characterized in that performed.

Hereinafter, the present invention will be described in detail with reference to the drawings.

Fig. 2 is a block diagram of the present invention. In the wireless communication between subscribers of the mobile telephone 2 via the mobile communication company 1, the database unit 13 and the database unit 13 for providing insurance data are provided. The insurance company's main computer 12, which transfers the data to the private line L1, and the mobile carrier 1, and also the private line L3. The server 11 includes a program for executing an insurance application on the main computer 12 of the insurance company through the dedicated line L2 of the main computer 12 or the Internet network 3.

3 is a flowchart of the present invention, which includes a server for providing data to a subscriber through a mobile communication company, and includes a program for recommending and guiding an insurance contract in text and receiving instructions from the server in text in a subscriber terminal. Preliminary step S0 for setting;

A first step (S1) of checking whether there is an insurance mode selection during the call after the preliminary step (S0) and performing only a call function if there is no insurance mode selection;

A second step (S2) of selecting subscriber details and premium when selecting an insurance mode;

It is to provide a method of selling travel insurance using a wireless service, comprising the step of providing the selected data to an insurance company connected to the server through a server (S3).

It demonstrates in detail, taking the specific example of this invention made as mentioned above.

A basic hardware configuration for achieving the present invention is configured as shown in FIG. 2, and a flowchart for performing the same will be described based on FIG. 2. Since a menu for insurance product information has already been set in the mobile phone subscriber 2 of the mobile phone subscriber, and the insurance information is provided through the server 11 (preliminary step S0), for example, the mobile carrier is set to 019. To do so, press the general number you want to use to make a general call (step (S1)), press the 0197777 button set for the insurance, the carrier 1 connects to the server 11 through a dedicated line (L3) Receive the data from the server 11 and display, for example, a text message guiding the domestic travel insurance service on the display of the mobile phone subscriber's mobile phone 2 (for example, "Domestic Travel Insurance Service (Read the terms and conditions before signing up.) 1. Sign up (read the terms and conditions) 2. Confirm the signup) If the subscriber selects the number, he / she instructs him / her to enter the subscriber's social security number, and when the entry of the social security number is completed, the insurance type is selected (step S2).

For example, when the domestic travel insurance service is selected as described above, the corresponding subscription amount and insurance premium are displayed on the display of the subscriber's mobile phone 2 through the server 11 by text (1.100 million on 1.2 days). / 500 (\ 2,000) One thing.

2. 3 days 1. 7,000 / 3 hundred (\ 2,000) 2. 100 million / 5 hundred (\ 2,3000)

3. 5 days 1. 5,000 / 200 (\ 2,000) 2. 7,000 / 300 (\ 2,440) 3. 100 million / 500 (\ 3,570)

4. 7 days 1. 3000 / 1.5 hundred (\ 2,000) 2. 5,000 / 200 (\ 2,160) 3. 7,000 / 3 hundred (\ 3,060) 4. 100 million / 5 hundred (\ 4,460))

If the subscriber selects the above 1, the server () in the subscriber's mobile phone (2) display, for example, "Resident registration number / two days from today / 100 million won / 5 million won / \ 2,000 subscribed" " Subscribe (cannot be canceled) 2. Modify 3. Cancel "to send text data to select the insurance to complete the insurance (step S3). If necessary, the server 11 can recruit advertisers to start advertising in the middle can reduce the cost of operation.

The present invention described above is not limited to the above-described embodiments and drawings, and various permutations, modifications, and changes can be made without departing from the technical spirit of the present invention. It will be apparent to those who have

As described above, the present invention enables the insurance to be purchased using a mobile phone, thereby reducing the labor of the insurance planner, and in particular, in the case of small insurance, it reduces the burden of labor costs and improves the profitability of the insurer.

In addition, by using a mobile phone, the user is insured in real time to improve the reliability of the insurance company, and can check whether the subscriber immediately enrolled to prevent the subscriber from being disadvantaged in the event of an accident.

In addition, the operating company that makes up the server can cover the operating costs by receiving a fee from the insurance company, and if necessary, if the advertisement is requested by the advertiser and sent in a text message method, the advertising costs can be covered by the operating costs to achieve a profitable business.

Claims (1)

In the case where a wireless telephone subscriber transmits / receives a call through a mobile carrier, the server includes a server for providing data to the subscriber through the mobile carrier, and the server includes a program for recommending and guiding an insurance contract in text and directing the server to the subscriber terminal. A preliminary step of setting to receive a letter; A first step of checking whether there is an insurance mode selection in a call after the preliminary step; A second step of selecting subscriber details and premiums when selecting an insurance mode; And a third step of providing the selected data to an insurance company connected to the server through the server to wirelessly purchase the insurance.