KR20000049953A - Method for relaying insurance information and corresponding trade-status over a network, and system therefor - Google Patents

Abstract

PURPOSE: A method for mediating insurance on a network, are provided to supply a function for selecting directly insurance companies or insurance goods, by comparing insurance information directly supplied via networks including main servers of main offices of many insurance companies. The method can contact directly between insurance companies and consumers without a branch, and know trading contents between the both sides in real time. CONSTITUTION: A method for mediating insurance on a network, which uses a site for mediating between consumers and insurance companies, comprise the steps of: for the consumers, connecting to the site; selecting a type of comparison, which displays possible comparable goods from the companies, or a type of display/array, which arrays to display simultaneously similar goods having not a comparing criteria, or an order type, which displays goods suitable for necessary conditions of the consumers; selecting related insurance goods, which the consumers requests to check; and executing an electronic contract with the companies, after checking insurance documents transmitted from the related companies.

Description

Method for relaying insurance information and corresponding trade-status over a network, and system therefor}

The present invention relates to an insurance transaction method on a network, and more particularly, to an insurance company and an insurance consumer who wish to perform an insurance transaction on a network, by simultaneously or sequentially providing information of the other party necessary for an insurance transaction. The present invention relates to a method and system for insurance relaying on a network that supports comparison, judgment and insurance contracts.

In the conventional insurance method, three methods are mainly used. First, the buyer who wants to buy insurance in the real space (off-line) is informed of the type, contents and premium of the insurance product through the insurance agent, insurance agent, insurance broker, etc. which are direct / indirect sales organizations of the insurance company. This method entails the insurer's inconvenience in conducting business and excessive expenditure of expenses, and the insurance subscriber is provided with compulsory and limited insurance information, so that other insurance companies can obtain insurance products, prices and services. For insurance contracts that cannot be compared and are made by visits by insurance agents or insurance agents, the heterogeneity of their insurance knowledge and the ability to compare insurance products may cause problems in the reliability of the insurance contract itself. Another method of insurance purchase and contracting is for an insurance buyer to visit each insurance company's sales site on a network, such as the Internet, to view information about the insurance products offered by each of those sites and to selectively subscribe. While it has the benefit of reducing operating costs for insurance companies, insurance buyers cannot afford to compare insurance products of each insurance company at the same time, so they must bear the inconvenience of visiting each insurance company site. Whenever you ask for the right information for yourself, you also have to take the inconvenience of having to repeatedly enter personal information. Finally, it is a more advanced approach than these two methods. In the case of auto insurance products, the contents of the insurance products are the same for each insurance company. There is a way to make insurance transactions through an intermediary site on your network. Currently, operators of Internet sites that sign insurance contracts in this way are all insurance sales and brokerage agents, all of whom are under the insurance business law and who have acquired sales and brokerage rights for insurance. A contract agreement can be made with a company to deal with all of them. They operate insurance sales and brokerage sites on the Internet because they introduce insurance products to consumers who visit the site and offer premiums (comparing premiums from one or more insurance companies) to sign an insurance contract. It is to exercise a brokerage right to mediate a consumer to a specific insurance company and receive a recruitment fee or brokerage fee negotiated by the insurance company. The premiums offered by comparison are presented only within the range of individual agreements between them and each insurer or the premiums (the price including the high fees and related business expenses they receive) set for these sales organizations. In this way, insurance companies cannot freely set the premiums, and they can't autonomously price and present them autonomously in the site. As a result, consumers who make insurance contracts through these sites will be charged premiums that include recruitment or brokerage fees between the insurer and their agents or intermediaries, as compared to the case where the insurer and the insurer directly deal with them. This will result in a large or small amount of unnecessary premiums. To solve this problem, insurance premiums should be presented in a state where the non-business entity mediates the bubble of consumer recruitment or brokerage fees.

At present, there are websites that compare premiums of various insurance companies on the website according to the needs of consumers (they handle only auto insurance which is easy to compare because the contents of insurance products and premiums are the same) The price displayed on the website does not come directly from the insurance companies, but rather compares the insurance premiums of various insurance companies by the way they operate. It's a matter of whether or not to present a web site, and the possibility that the insurance companies that deal with them will pay more fees for the company's insurance products. of It may not meet the consumer's desire for an objective premium comparison without moral intervention. In order to solve this problem, the function of directly presenting the insurance premiums intended by the insurance companies must be adopted on the network.

The information on insurance products presented by conventional insurance brokerage sites is not directly transmitted in real time from the servers of insurance companies, but is made by the broker site operator based on the information received at the time of the agreement with the first insurance company. Figures, terms of service, etc.) are not necessarily accurate, information about one insurance company may vary from site to site, and the price provided to consumers because premium renewal is not made in real time to meet insurance rates that may change from moment to moment. Information can be inaccurate and cause consumer confusion.

Therefore, since domestic insurance company servers are connected with the Insurance Development Agency (www.kedi.or.kr) server, which develops and distributes insurance calculation data and statistics, these insurance companies use the latest and most reliable update information. It would be desirable to have an insurance transaction where direct transactions between servers and consumers are made.

As described above, the insurance transaction method through the information presented indirectly by the indirect sales or intermediary's site, which is not provided directly from the insurance company's server, with the insurance price (premium) and the contents of the service provided. The problems of inaccuracy of product information and distrust of the possibility of information manipulation by the site operator cannot be eliminated.

The Financial Supervisory Service recently announced the pursuit of full liberalization of premium prices to promote consumer protection in insurance premiums and services, and autonomous competition among insurance companies, and to use software and hardware aspects such as electronic signatures, which are essential for authentication in electronic transactions. As the technical and policy environment is well-established, it is time for domestic insurance sales to adopt a new type of insurance transaction in order to secure competitiveness with foreign companies with advanced business methods. As a result, there is a need for a direct insurance scheme on a network (especially the Internet) operated by a non-operating entity of insurance to minimize the economic burden on insurance consumers and to reduce the cost of insurance companies.

The technical problem to be achieved by the present invention is to directly receive all the insurance design information through a network including the main server of a number of insurance company headquarters so that the insurance consumer can compare the information at the same time to select the insurance company or insurance products Network-based insurance relaying method that provides a function, allows direct contracts between insurance companies and consumers without going through a sales organization that receives recruitment or disclosure fees, and provides real-time visibility into transactions between insurance companies and consumers, and To provide a system.

1 is a simplified diagram for explaining a concept of the insurance relay system of the present invention.

2 is a block diagram of an insurance relay system on a network of the present invention.

3 is a flowchart of an insurance relay method on a network of the present invention.

4 is an example of a home page of a site managed by an insurance relay server in the insurance relay system of the present invention.

5A is a site map for a comparable insurance product on an insurance relay site.

FIG. 5B is a site map shown to the registered customer in FIG. 5A.

Figure 6 summarizes the effects on the parties to use the above-described relay method.

In order to solve the above problem, an insurance relay system on the network allows an insurance consumer to access and receive insurance product information (in the form of an insurance plan) directly from various insurance companies, and thus insurance with the insurance product selected by the insurance consumer. It includes an insurance relay server that provides an environment in which direct contracts can be made between the company and the insurance consumer.

The insurance relay server preferably provides a real-time relay status board that provides an insurance relay site so that both insurance consumers and insurance companies that access the site can know in real time about the current state of insurance transactions on the site.

The real-time relay status plate, the insurance premiums, service contents, etc. for each insurance product of all insurance companies for the insurance type selected by the individual insurance consumer when the insurance consumer currently logged in by entering the ID and password correctly. 'Receipt of insurance plan (customer ID status plate)' which displays real-time information of real-time information, and the IDs of insurance consumers who have received insurance product information before entering into a contract by accessing the insurance relay server, the type of insurance desired and It is preferable to include a general status board in which the number of insurance companies that provide insurance products according to the insurance type is displayed in real time at one time.

The insurance relay server, a display method or a relay method according to the type of insurance, the display / list type and insurance to display a comparable type that displays products that can be compared between the insurance companies, a list of similar products without comparison criteria at once It is preferable to display the insurance product information by dividing the product customized to display the products tailored to the requirements of the consumer.

An insurance relay method on a network using a site for relaying insurance product information between an insurance consumer and an insurance company on a network for solving the above problem includes: a first step in which an insurance consumer visits the site; The insurance consumer can display comparable products that can be compared among insurance companies on the site, display / list display of similar products without comparison criteria at once, and customized products displaying products that meet the requirements of the insurance consumer. A second step of selecting portions divided into portions; A third step of the insurance consumer selecting the insurance product to be viewed in the classification portion of the second step; And a fourth step of receiving and reading the insurance plan (s) from the insurance company (s) having the product and performing an electronic contract with the insurance company.

If the comparative type is selected in the second step, the third step further includes the step of providing an insurance design application in consultation with the linked insurance companies on the site, and sending the application to the insurance company after the application is filled out. desirable.

When the display / listing type is selected in the second step, the third step includes: information on similar insurance products previously provided by insurance companies on the site is listed at once, and the insurance consumer selects one of the products. It is preferable to further include the step of inquiring whether or not you want the detailed information of the selected product, sending the design application to the insurance company when the detailed information is desired, and immediately performing the fourth step when the detailed information is not desired. Do.

If the customization is selected in the second step, the third step comprises: displaying a form on the site to fill in conditions that an insurance consumer may need; And the form is filled in and the form is sent to all insurance companies that have been previously agreed upon for the form.

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

Figure 1 is a simplified diagram for explaining the concept of the insurance relay system of the present invention, the system consists of an insurance consumer (client) 100, insurance relay site or insurance relay server 110 and insurance company 120. The insurance consumer 100 is a client who wishes to purchase insurance. The insurance relay site 110 may be accessed from both the insurance consumer 100 and the insurance company 120 and may interact with the insurance companies 120 by agreement with the insurance company (s) 120. Will be. The main function of the insurance relay site 110 is to allow the insurance consumer 100 to receive insurance product information directly from several insurance companies 120 at the same time and accordingly the insurance company with the insurance product selected by the insurance consumer 100. It provides an environment in which a direct contract can be made between the 120 and the insurance consumer 100. The dotted arrows in FIG. 1 indicate that the contract between the insurance consumer 100 and the insurance company 120 is carried out through the insurance relay server 110, but the procedure or information is solely for the insurance consumer 100 and the insurance company 120. Means). The insurance relay site 110 accesses the site 110 so that both the accessing insurance consumer or seller can know in real time about the current insurance transaction status, the insurance consumers who requested the insurance product information, the type of insurance requested and the corresponding insurance type. An insurance product relay status board indicating the number of insurance companies that provided the product information may also be provided (e.g., a status board capable of updating information in real time such as an election counting board). The insurance company 120 receives personally identifiable information such as the age, occupation, place of residence, and type of insurance desired by the insurance consumer 100 from the insurance relay site 110 according to a protocol negotiated with the insurance relay site 110, and then considers it. Insurance product information requested by the insurance consumer 100 is provided through the insurance relay site 110. The insurance company 120 can grasp the insurance transaction status and contract status of their company compared to other insurance companies by looking at the insurance product relay status board displayed on the insurance relay site. You can make a quick decision.

2 is a network insurance relay system of the present invention, the network 200, insurance consumer 210, insurance relay server 220, the first insurance company server 230 and the second insurance company server 240 ). The network 200 is a communication network that mediates various types of information of wired and wireless, and the Internet corresponds to this. The insurance consumer 210 is a client who receives insurance product information through the network 200 and selects a desired insurance product accordingly. The insurance relay server 220 is connected to various insurance companies in consultation so that the insurance consumer 210 has access to the insurance information they want to receive various and convenient (in FIG. 2, two insurance companies for convenience of explanation). Although only shown, in the present invention, the number of insurance company servers that can be connected to the insurance relay server 220 may be further expanded) to provide services such as information exchange between the server of the insurance consumer 210 and the insurance consumer 210. The environment is established. That is, the insurance relay server 220 provides a site that the insurance consumer (s) 210 can access through the network 200, where the insurance consumer (s) 210 displays according to the type of insurance. Customizable to display products tailored to the needs of insurance consumers, with comparable to display products that can be compared among insurance companies, comparable products without comparison criteria To select. When the insurance consumer 210 selects the comparative type, the insurance relay server 220, when the insurance consumer selects the product, provides the insurance design application form previously agreed between the insurance relay server and the insurance company, and the insurance consumer information is filled in. The design application is transmitted to the insurance companies 230 and 240, and the corresponding insurance plans (insurance product information) are received from the insurance companies 230 and 240 and provided to the corresponding insurance consumer. When the insurance consumer 210 selects the display / listing type, the insurance relay server 220 lists the general information on a group of similar insurance types and products at the same time and selects one of them. If the insurance consumer 210 chooses to customize, the insurance relay server 220 provides a customized form (customized insurance design application) for the insurance consumer to fill out the necessary information, and if the form is filled in, all connected insurance company servers. The forms are sent to the insurance companies 230 and 240, and the insurance plans are returned to the insurance consumers when the insurance plans are returned from the insurance companies 230 and 240. In the case of the personalized selection, when insurance plan information indicating the fee, service details, etc. of the corresponding insurance prepared in consideration of the design application in which personal information is input from the insurance companies' servers 230 and 240 is returned to the insurance relay server 220, the insurance The relay server 220 provides an environment in which only the insurance consumer 210 can see it, so that the insurance consumer 210 can compare against the insurance plans (insurance products) provided by various insurance companies, and further, one of them. Allows you to choose a product. When the insurance consumer 210 selects an insurance product on the site, the insurance relay server 220 signals it to the insurance company providing the product. In this case, the contract form for preparing a contract between the insurance company 230 or 240 and the insurance consumer 210 may provide the insurance consumer with a form that the insurance relay server 210 previously negotiated with the insurance company 230 or 240, The contract form may be downloaded from the insurance company and provided to the insurance consumer. When the contract is prepared, the contract is returned to the insurance company server with the consent of the insurance consumer 210. When the contract is created, the insurance consumer 210 moves the insurance consumer 210 from the site provided by the insurance relay server 210 to the contract creation page provided on the web (or net) site of the insurance company. There may be a transfer. The insurance relay server 220, when the currently connected insurance consumer 210 correctly enters the ID and password to log in to the managed net site, all insurance companies 230, The customer relay status board (customer ID status plate) reading function that displays the specifications of the insurance plans received from the 240 at the same time on the screen, and also connected to the insurance relay server 220 insurance before filling out the contract design insurance insurance ID of the consumers 210, the type of insurance desired or selected insurance, the number of insurance companies that sent the insurance plan, whether the consumer has selected the insurance, the creation date and time, etc. Status board). The first and second insurance company servers 230 and 240 receive an insurance design request from the insurance relay server 220 containing information on the insurance consumer 210 and the type of insurance they want, and according to the information, The insurance plan of the insurance product including the services and the rates that can be provided and the like are completed and returned to the insurance relay server 220. When the insurance relay server 220 receives a signal that the insurance consumer 210 wants a contract for his insurance product, the insurance relay server 220 performs a procedure of signing a contract with the insurance consumer 210.

3 is a flowchart of an insurance relay method on a network of the present invention. In an insurance relay method in which insurance relay is performed through an insurance relay site managed by the insurance relay server 220, an insurance consumer first visits the site (step 300). ). The insurance consumer is a comparison type that displays the products that can be compared among insurance companies on the above site, but the contents are different from each other, but the exhibition displays the similar products listed at the same time so that the insurance consumer can distinguish subjectively. In step 310, the user selects each of the divided sections for displaying the relaying of the insurance according to the requirements of the listed type and the insurance consumer (step 310). In step 310, the insurance consumer selects an insurance product to be informed of in the classification part (step 320), receives an insurance plan (s) from the insurance company (s) having the product, and then inspects it (step 330). Perform an electronic contract with the company (step 340).

If the comparison type is selected in step 310, after performing step 320, an insurance design application form negotiated with the connected insurance companies is provided on the site, and the application is filled out and transmitted to the insurance company (step 311).

If the display / listing type is selected in step 310, after performing step 320, information on similar insurance products previously provided by insurance companies on the site is listed at once, and the insurance consumer can select one of them (step 312). ). If you want to see more detailed information about the selected product (step 313), the design application is sent to the insurance company so that specific and detailed information about the product can be transmitted from the insurance company's server (step 314). If you do not want the detailed information in step 313, you can skip directly to step 340.

If Custom is selected in step 310, a form is displayed (step 315) on which the insurance consumer may fill in the conditions that the insurance consumer may need, and the form is filled in to pre-negotiate for the form. The form is sent to the insurance company (step 316).

Although not shown in FIG. 3, the customer registration step of the insurance consumer who accesses the site is requested. In the customer registration, the insurance consumer 210 who visited the site registers the user according to the instructions provided on the insurance relay server 220's site, has an ID and password, and inputs personal information necessary for overall insurance management. After that, the insurance relay server 220 stores this information and automatically reflects this personal information data every time the insurance design application or insurance policy is written, and the insurance consumer 210 who once inputs the personal information returns the same information. You do not need to type. The customer registration process is also necessary for the insured consumer to have access to personally applied insurance product information. In addition, when the insurance consumer finally selects an insurance plan (comparative or customized) or purchases insurance for a specific insurance product (exhibit / listed product), the insurance relay server 220 performs a count as the number of relays. Performing a step (not shown). For the insurance contract between the insurance company server and the insurance consumer 220, the insurance relay server 220 displays the insurance policy agreement previously agreed with the insurance company or downloads and displays the insurance policy from the insurance company. After automatically filling out the stored insurance consumer information, the insurance subscription is transmitted to the insurance company server. In this case, depending on the agreement with some insurance companies, it may include a case of being linked to the site of the insurance company at the same time as the subscription selection (340). The closing of the contract remains a problem for only two parties, except that the insurance consumer and the insurance company server only mediate the display of the procedure to the insurance relay server according to their own procedures. At the time of contracting, the insurance relay server can go to the network site managed by the insurance company server at the time of carrying out the procedure for the contract, whereby the insurance contract can be made directly between the two parties.

Hereinafter, the above-described comparative type, exhibition / listing type, and customization will be described in detail. As with car insurance, the contents of products handled are the same for each insurance company, and the differences (insurance plans) presented by several insurance companies can be compared for insurance types such as premiums, services, and collateral. When comparing the information presented by several insurance companies, the insurance company can compete competitively by promptly presenting competitive prices, service contents, and other functions to attract customers. When you have to choose something (for example, if you have a mandatory insurance plan such as car liability insurance), you can compare the information presented by several insurers at the same time and choose the one that works best for you, making it desirable for both insurance companies and insurance consumers. Such a relay method is referred to as a direct relay method or a comparative type. In step 310, if the insurance type using the direct relay method is selected by the insurance consumer, a pre-arranged insurance design application between the insurance relay server and the insurance companies connected thereto is provided to the insurance consumer from the insurance relay server. The insurance consumer's information is filled in the items of the insurance application and the completed insurance application is sent to servers of all insurance companies connected to the insurance relay server. According to the insurance design application, insurance company servers prepare insurance plans such as service contents and premiums of the corresponding products and return them to the insurance relay server. The returned insurance plans are stored in the 'insurance inbox' (customer's personal inbox) on the insurance relay server where the requesting insurance consumers can access with their ID or password, and the insurer opens this inbox from each insurance company. The insurance plans received can be viewed and compared and one of them can be selected. At this time, the insurance relay server 220 performs a count as a valid number of relays, and performs a procedure for the insurance contract between the insurance company server and the insurance consumer 220 of the selected insurance plan. The contract procedure between the insurance company server and the insurance consumer is the same as described in the description of FIG. 3. The procedure regarding the contract between the insurance company server and the insurance consumer is not within the scope of the present invention, but the site provided by the insurance relay server of the present invention will establish an environment that provides all the conveniences required for the contract between the two subjects. In order to smoothly support and control the above-mentioned direct relay method, the insurance relay system of the present invention adopts a real-time relay method, so that individual insurance consumers can see the information of insurance products requested by them in real time at a time. By providing a current status board ＞ (receive insurance plan) and displaying the status of providing information on a specific product made in our insurance relay server at once, so that both insurance companies and insurance consumers can see the situation without ID or password. We offer <summary situation version according to insurance product>. The reason for this real-time relay is the operation of a lively site, which can further enhance the convenience of the customer (fastness, immediateness, etc.), and as an insurance company responding to the application for insurance design, it is able to grasp insurance contracts (contract status) This is to consider design strategy at every moment. In addition, the insurance relay server 220 also meets the needs of the control function, such as the smooth progress of the relay and the transaction progress between the trading parties in real time to prevent the failure of the system in advance. The 'insurance plan inbox' (the customer's personal inbox) is the result of the insurance company's response to the 'insurance plan application' requested by the customer. The customer will open this inbox at the time he or she wants, where he compares products and selects an insurance company to sign a contract with. This is an open space where you can enter your customer password. Table 1 below is an example of the configuration of the status plate ('Receive insurance plan') for each customer ID.

order Insurance company premium Additional explanation Service provided Select subscription One A ...won Selection 2 B ---won Selection : : : : : : 9 J ,,,won Selection 10 K ///won Selection

Status boards by customer ID can be accompanied by a description of the table, for example:

"-Title: ooo's xx Insurance Plans.

-Usage Guide: Compare all the contents, choose the insurance company that offers you the most appropriate insurance scheme and click on the check mark in the rightmost column to select it.

-Placement order of insurance company: Listed in order from the company with the lowest premium among the insurance companies that presented the design within the required period.

-Insurers: The insurers listed in the table in alphabetic and non-real name are intended to prevent the information presented by the insurers from being used for any purpose other than the design of the insurance. However, if you choose, you will be linked to the insurance company's offer and your real name will be displayed so you know which insurance company it is.

-Premiums: The premiums listed in this table are based on what you have applied for.

-Provided Services: These are the services currently provided by the insurance company to customers with xx insurance. We will help you choose an insurance company.

-Choice of choice: You have to choose one insurance company to buy xx insurance. Click to select and link to your insurance company's xx Insurance Policy, which lists the basic personal information you need for your insurance to reduce your inconvenience. But please be assured that we will never use it for any other purpose than this offer in accordance with our agreement to protect your identity. "

The general relay status board for each insurance product is prepared according to a prescribed form by assigning serial numbers in the order of application for the status of the customer's insurance design application by insurance product. An example is shown in Table 2 below.

Serial Number Application Date Customer ID Usage Limited time Scheduled to join Participating insurance companies One Personal Immediately Year Month Day Reaper 2 For work Within 1 hour Year Month Day Reaper 3 Commercial Within 24 hours Year Month Day Reaper 4 tolerance Within a week Year Month Day Reaper

The overall status board for each insurance product is open to both site visitors and insurance companies, and registered customers can enter their personal status table in Table 1 by clicking on their respective fields in the status panel, enter their password, and enter the desired task (select insurance company). , Data modification, etc.). The insurance company cannot modify the data on the web by an insurance company server that cannot work on the web and has software provided by the insurance relay server. The insurance company can use this situation board to refer to the insurance design work and transmit the result after the insurance design work to the insurance relay server by the computer automatic work or the manual work. The executive board of the insurance company can check the overall subscription rate of the insurance company and can flexibly adjust the contents of the design from time to time by modifying the insurance rate according to the corresponding strategy. In other words, this situational board can be an instrument for insurance companies to understand the market atmosphere and strengthen their competitiveness. Table 2 can be provided with the following commentary on the site provided by the insurance relay server to help insurance consumers understand:

"-Serial Number: Listed in order of insurance application. Customers can identify by their unique ID.

-Restricted Date: The deadline for requesting a design request that the customer selected when applying for insurance.

-Scheduled date of registration: In the case of renewal agreement, the day after the last day of the previous year is the first day of new subscription.

-Participating Insurers: The number of insurance companies that sent the insurance plan by the time limit is displayed, and the customer can determine whether or not to select only this number.

* These materials are lost after 30 days of storage, but remain in D / B. "

In the case of insurance products where insurance collaterals are similar but it is difficult to adopt a direct relay method for simultaneous comparison, the relay method used is an indirect relay method or an exhibition / list type. In the case of the direct relay method, since the security content of the product is the same, the customer selects an insurance company by comparing the price and the service content. Therefore, whether the security content, price, service, etc. Since there are many products to choose from, it is impossible to compare comparable terms among insurance companies. Accordingly, if the insurance type that the insurance consumer wants to subscribe to in step 310 of FIG. 3 belongs to the one requiring such an indirect relay method, after the insurance consumer selects such insurance type, the insurance relay server does not apply the insurance type without the insurance design application. Exhibit various products offered by each insurance company. When an insurance consumer selects an insurance company's product that provides the most appropriate collateral, price, and service among similar product groups of insurance companies, the insurance relay server 220 performs a count as the number of relays, and the selected insurance company server And a procedure for insurance contract between insurance consumer 220. The contract procedure between the insurance company server and the insurance consumer is the same as described above. This indirect relay method covers all products such as non-life insurance, life insurance, etc., in which simultaneous group comparison is difficult, and the reason that simultaneous group comparison is difficult is that each service and insurance rate is not provided without a comparison standard for comparing similar products of each insurance company. Because it has a back. Therefore, it may be desirable for the customer to read the prices, collaterals, services, etc. of the similar products, and select the products which are determined to be advantageous for the point where they focus. The method of displaying or displaying the insurance product which is an indirect relay method is the type of insurance (for example, cancer insurance, education insurance, accident insurance, driver insurance, health insurance, student insurance, etc.) that the insurance consumer 210 wants to join for the first time. Are displayed on the insurance relay site page, and when an insurance consumer selects one of them, specific insurance trade names belonging to the insurance type are displayed. In this way, the effect of simultaneous group comparison (price, collateral, service, etc.) can be expected, and even from the point of view of the insurance consumer, the product contents of each insurance company are not exactly the same, so they cannot be compared on the same basis. Among the insurance products of each insurance company, it is easy to select the insurance product that is suitable for you. An example of insurance product display here is shown in Table 3.

Main Category Driver Insurance Group Category Commercial Driver Insurance Group product name Millennium Driver Insurance Company Name xx fire Collateral Mortgage Weekday, weekend accidents, death, after-effects and injury ......... ........ ....... ....... Collateral 50,000 won per day ... Rider (optional) Marriage Special Contract. Insurance period 10 years premium basic won How to pay 1 month, 3 months, 6 months, other Commentary This premium is ... Select Button Selection

The table above shows the final stages of insurance products side by side. When displaying such insurance products, as shown in the above table, the insurance products can be displayed as large or medium as possible, so that insurance consumers can enjoy the maximum comparison effect. This insurance product information, insurance companies create insurance information in accordance with the form (such as the table above) negotiated between the insurance relay server 220 and each insurance company server (230, 240), insurance relay server 220 Insurance relay server 220 displays on the site. The insurance companies 230 and 240 transmit the contents to the insurance relay server 220 whenever the product name or contents are changed, generated or destroyed, and the insurance relay server 220 reflects the contents upon display. There is no limit on the number of exhibitions for each insurance company, and the contents and format of the display form should be a consultation between the insurance companies 230 and 240 and the insurance relay server 220. In case the insurance consumer is not satisfied with the contents of the exhibited product and wants detailed information, for example, the insurance premium is calculated, the insurance relay server 220 provides an item for the detailed information on the page on which the insurance product is displayed. In addition, when the insurance consumer selects the item, the insurance design application for the product selected by the insurance consumer is displayed on the site by the insurance increase server 220. When the insurance consumer's information is entered in the insurance design application, the insurance relay server 220 transmits it to the insurance company server having the insurance product, and the insurance company server transmits the completed insurance plan to the insurance relay server based on the insurance design application. Returns. The insurance relay server stores the insurance plan in the customer's inbox that the customer can access through input of ID and password. Subsequent subscription procedures are the same as described above. The real-time relay status board is also displayed in the indirect relay method. The status board by customer ID is replaced by the insurance plan sent by the insurance company because it is not a multilateral simultaneous direct relay but 1: 1 indirect relay. Comprehensive status boards are prepared by type of insurance (by major classification) and examples are shown in Table 4.

Serial Number Customer ID Category Limited time Scheduled to join Receipt of design document One Personal Immediately Year Month Day 2 For work Within 1 hour Year Month Day 3 Commercial Within 24 hours Year Month Day 4 tolerance Within a week Year Month Day

Lastly, as the insurance relay server 220 relays the insurance transaction status between the insurance company and the insurance consumer, there is a relay method for meeting the customized needs of the insurance consumer. If the insured consumer knows little or no information about the insurance or cannot choose the insurance that is appropriate for them by the two methods described above, the 'mixed relay' or 'custom' display allows the insurer to know and select the insurance product information. To make it possible. This relay method is a direct relay where an insurance consumer makes a design request directly to all insurance companies and the insurance company directly sends a design document based on it, and at the same time it is an indirect relay that does not relay in real time to the same type of relay status board. . In step 310 of FIG. 3, when the insurance consumer selects a personalized form, an insurance design application of a predetermined form provided by the insurance relay server is displayed, and when the insurance consumer fills in the content and the design application is completed, all the insurance company servers 230,. 240). The insurance plan created by insurance companies 230 and 240 enters the customer inbox of the above-described concept, and the insurance consumer can enter the ID and password to view the insurance product information in the inbox. The insurance consumer may choose to subscribe to one of the products by comparing the insurance product information (insurance plans) sent by the insurers. When an insurance consumer decides to subscribe and selects an insurance product, the insurance relay server counts it and switches to the environment required for the subscription process. The description is the same as described above. In the case of customized case, the status board by customer ID is large because it is placed in the customer's inbox of the relevant insurance consumer and the design documents are transmitted from various insurance companies, but the insurance design form is in advance between the insurance relay server and the servers of the insurance companies. It is easy to compare the different designs because they are the same negotiated. The insurer's name is non-real name, and the order is sorted by the companies with the lowest premium. The overall status board is the same as the direct relay general status board if it is a comparative product, and the indirect relay general status board if it is for an exhibition type product. This is because the customized insurance product may fall within either scope of the comparative product or the exhibition product.

4 is an example of a home page of a site managed by an insurance relay server in the insurance relay system of the present invention. This page is the first page shown to customers (clients) who have access to the insurance relay server. The page describes the site, how to use and provide the service, the characteristics of the site, and the above-mentioned comparative, exhibition / list customized relay method. It is configured to enable the selection of insurance product information according to.

When the insurance consumer selects the comparative relay method from the home page of FIG. 4, the page moves to a page configured as a site for the comparative relay method. In the comparative relay method page, a target product to be relayed is introduced, and a user guide for the relay method is displayed. When an insurance consumer selects one of the target products, the relay page of the insurance product appears as shown in the example of FIG. 5A, and the above-mentioned real-time general status board appears, and the insurance consumer checks the status of the insurance plan (customer ID status board) in his or her inbox. You will be prompted to enter your username and password to log in. New registrations are also provided for users who have not registered. At the time of new registration, a form will be provided that will allow the insurance consumer to enter the overall personal information required for the insurance design application. When the customer registration is made, the page of FIG. 5A is displayed in the customer inbox formatted as the customer ID status board as shown in the page of FIG. 5B.

When the customer selects the insurance relaying method of the display and arrangement type in the page of FIG. 4, the indirect relay-targeted insurance product may be introduced in a new page, and the usage guide of this page may be provided. If the insurance consumer narrows the insurance product group to the range he or she wants to find in the order of the above-mentioned major classifications-> small and small, and then selects the relevant product group, similar insurance products as shown in Table 3 are displayed. It is displayed in one page with the product name and the insurance company name. When the insured consumer selects one of the listed products, an electronic subscription is linked to the displayed page so that a contract can be made between the insurer and the insured consumer. If you want more detailed information of one of the listed products, such as 'detailed product information guide' is provided to know the detailed information. Select this to display the insurance application form for the product, and if you are a registered insurance consumer, enter your ID and password to log in, and automatically fill in the design application form with the information that the insurance relay server already has. The form is sent to your insurance company's server, and if you are an uninsured consumer, you can use this service after you register. In the exhibition / sequence page, the real-time overall status of the insurance policy selected by the insurance consumer is displayed by date and selection order.

In FIG. 4, when the insurance consumer selects a customized insurance relay method, the insurance consumer moves to a page available to the insurance consumer who wants to design a customized insurance. If the insurance consumer enters the requirements according to the prescribed 'custom insurance design application' determined by the insurance relay server, the application is sent to the servers of the insurance companies that have previously negotiated the form. The insurance plan written by the insurers based on the application is returned to the insurance relay server and entered the customer inbox. The use of the customer inbox is as described above. The customer inbox will contain insurance plans from several insurance companies, and the insurance consumer can choose one of them.

Figure 6 summarizes the effects on the parties to use the above-described relay method.

By using the insurance relay system and method according to the present invention, the insured party can be provided with a suitable insurance service, and the time according to the insurance product selection by comparing the insurance product information of several insurance companies at the same site on the network at the same time. You can save. In addition, through direct dealing with a dedicated cyber trading team of insurance companies that excludes sales force, low-cost premiums can be set without bubbles in operating costs. Security issues become a key issue when a contract is signed on the Internet, which can be solved by adding functions such as electronic signatures and electronic document delivery to the functions of the server of the present invention or the insurance company server. The insurer does not need a lot of sales organization in the real space, which can drastically reduce the cost and contribute to the improvement of the insurance service.

In addition, the present invention is not operated by the subject of sales commissioned by the insurance company for the agency or brokerage, so the fairness can be guaranteed when comparing the insurance products provided by each insurance company, and the buyer of the insurance can By connecting directly, transactions can be bypassed during the conclusion of the contract, thereby reducing errors such as work errors.

In Korea, the non-operating entity of such insurance has not yet relayed multilateral insurance direct deals in real time using the Internet, so the present invention will be the first, and this transaction method is economical and convenient for both insurance companies and insurance consumers. do.

According to the present invention, electronic direct transactions between insurers and various insurers are possible on sites accessible through the network, so that insurance companies reduce business expenses and insured buyers are the cheapest and most inexpensive service among various insurers and insurance products. Can choose a good one and save you time and effort looking for the right insurance.

Claims (11)

Provide insurance consumers access and receive insurance product information (in the form of insurance plans) directly from various insurance companies, thereby providing an environment in which direct contracts can be made between insurance companies and insurance consumers with insurance products chosen by the insurance consumer. An insurance relay system on a network comprising an insurance relay server. The method of claim 1, wherein the insurance relay server, An insurance relay system on a network, which provides an insurance relay site, which provides a real-time relay status board that provides real-time visibility into the current status of insurance transactions on the site. According to claim 2, The real-time relay status plate, When an insurance consumer currently logged in enters the ID and password correctly and logs in, all insurance companies for the insurance type selected by the individual insurance consumer simultaneously receive information on insurance premiums and service contents of each insurance product. Displaying 'insurance invoice (customer ID status plate)'; And Before connecting to an insurance relay server and entering into a contract, the IDs of insurance consumers who have received certain insurance product information, the type of insurance desired, or the type of insurance selected, and the number of insurance companies that provided insurance products for the insurance type at once. An insurance relay system on a network comprising a general status board displayed in real time. The method of claim 1, wherein the insurance relay server, Depending on the type of insurance, the display method or relay method can be displayed according to the requirements of the display / listing type which displays comparable products that can be compared among insurance companies, and lists similar products without comparison criteria. An insurance relay system on a network, characterized by displaying insurance product information by dividing the product into customized displays. The method of claim 4, wherein the comparative form, When the insurance relay server selects a product, the insurance relay server provides a pre-arranged insurance design application form between the insurance relay server and the insurance company, transmits the insurance design application with insurance consumer information to the insurance companies, An insurance relay system on a network, wherein the insurance plan (insurance product information) is received and provided to the corresponding insurance consumer. The method of claim 4, wherein the exhibition / row type, The insurance relay server lists the general information on a group of similar insurance types and products at the same time, allowing the insurance consumer to select one of the products and move to the insurance subscription mode when the selection is made. Insurance relay system. The method of claim 4, wherein the customization is, The insurance relay server provides a form tailored to the insurance consumer to fill out the necessary information and, when filled, sends the form to all connected insurer servers and, if so, returns the plan from the insurance company. An insurance relay system on a network characterized by providing to an insurance consumer. In the insurance relay method on a network using the site which relays insurance product information between an insurance consumer and an insurance company on a network, A first step in which an insurance consumer visits the site; The insurance consumer can display comparable products that can be compared among insurance companies on the site, display / list display of similar products without comparison criteria at once, and customized products displaying products that meet the requirements of the insurance consumer. A second step of selecting portions divided into portions; A third step of the insurance consumer selecting the insurance product to be viewed in the classification portion of the second step; And And a fourth step of receiving and reading the insurance plan (s) from the insurance company (s) having the product and performing an electronic contract with the insurance company. The method of claim 8, If the comparative form is selected in the second step, the third step further includes the step of providing an insurance design application in consultation with the linked insurance companies on the site, and sending the application to the insurance company after the application is filled out. Featured insurance relay method on network. The method of claim 8, When the display / listing type is selected in the second step, the third step includes: information on similar insurance products previously provided by insurance companies on the site is listed at once, and the insurance consumer selects one of the products; Asking whether detailed information of the selected product is desired; Sending the design application to the insurer when detailed information is desired; And when the detailed information is not desired, performing the fourth step immediately. The method of claim 8, If customization is selected in the second step, the third step comprises: displaying a form on the site to fill in conditions that an insurance consumer may need; And sending the form to all insurance companies that have already filled out the form and are pre-negotiated for the form.