KR20040083241A - System and method for insurance service via mobile internet - Google Patents

Abstract

PURPOSE: A system and a method for an insurance service using the mobile Internet are provided to enable mobile terminal users to conveniently use various services related to insurance on the mobile Internet regardless of insurance companies by integrally using the data respectively used in all insurance companies as a server operator applies common templates. CONSTITUTION: The mobile terminals(200) communicate with the outside through the mobile Internet network(100), receive/display the menu data for using the insurance services on a screen, transmit selection data of the user, and display the data corresponding to the selected menu received from the insurance company. The insurance company computers(300) set a cooperation relationship with the outside providing the insurance service and extract/provide the data corresponding to the menu to the outside. A server(400) sets the cooperation relationship with the insurance companies, and is equipped with the templates and an operation program. The templates are used for transmitting various data provided from the insurance companies to the mobile terminal through a common templates.

Description

System and method for insurance service via mobile internet}

The present invention relates to an insurance service system and method.

More specifically, the present invention relates to an insurance service system and method using the mobile Internet, which enables users of mobile communication terminals to collectively use various services related to insurance through the mobile Internet, regardless of insurance company.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

In addition, with the recent surge in the use of mobile communication terminals such as mobile phones and PDAs, the mobile Internet has been greatly expanded along with the use of the above-mentioned Internet, and all services on the wired Internet are rapidly expanding to the mobile Internet. have.

In other words, all areas such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, e-commerce, banking / securities / insurance services, etc., which were performed on the wired Internet, have also begun to be provided on the mobile Internet. will be.

Among the sites that provide various services, each insurance company, which has been mainly doing business offline, is expanding the service area not only to wired Internet but also to mobile internet. Insurance services are also available online.

However, the above-described sites operated by each insurer are operated in an independent system without using data for each insurer collectively. In order to carry out insurance contract related information, loan related work, accident acceptance and insurance claims, there was a problem that each insurer had to visit and handle the site.

In addition, since online services are operated independently by each insurer, in order to find a suitable insurance product for a user who wants to purchase a new insurance policy, it is necessary to visit each insurance company's site and compare numerous insurance products in detail. Discomfort occurred.

The purpose of the present invention is to solve the above-mentioned problems, by applying a common form of template on the server operator side by using the data that is used in all the insurance companies, the mobile terminal users to the various services related to insurance on the mobile Internet To provide an insurance service system and method using a mobile Internet that can be conveniently used without insurance companies.

Another object of the present invention is to provide an insurance service system and method using a mobile Internet that allows a mobile terminal user to search through insurance products provided by a plurality of insurance companies through a mobile Internet to find an insurance product that is most suitable for them. There is.

It is still another object of the present invention to provide a contact information of an insurance company or link information for online connection when a server operator transmits various contents related to insurance to a mobile communication terminal through a text message or an email. According to the present invention, there is provided an insurance service system and method using the mobile Internet to provide a two-way communication service capable of making a call or contacting an insurance company.

1 is a block diagram schematically showing the configuration of an insurance service system using a mobile Internet according to the present invention;

2 is a block diagram showing in detail the configuration of the server computer of FIG.

3 and 4 are diagrams each showing an example of life insurance and non-life insurance menu data transmitted to the mobile communication terminal when using the insurance service according to the present invention,

5 is a flowchart showing the operation of the insurance service method using a mobile Internet according to the present invention.

Explanation of symbols on the main parts of the drawings

100: mobile internet network 200: mobile communication terminal

300: Insurer Computer 400: Server Computer

410: data communication means 420: control means

430: Database

The insurance service system using the mobile Internet according to the present invention for achieving the above object comprises: a mobile internet network for connecting data unspecified and communication data on the use of insurance services between each other; In accordance with the user's operation of the device through the mobile Internet network to communicate with the outside, according to the user's insurance service selection receives the menu data about the use of insurance services from the outside and displayed on the screen, and menus for the use of insurance services The user who checks the data sends the insurance type selection, specific insurance company selection, and sub-menu selection data sequentially, and receives data corresponding to the menu provided by the specific insurance company from the outside according to the user's menu selection. A plurality of mobile communication terminals displayed on the screen; A partnership has been established with the outside that provides insurance services for a plurality of mobile communication terminals through the mobile Internet network, and when a request is made to provide data corresponding to a menu selected by a specific user from outside, the data corresponding to the corresponding menu is provided. A plurality of insurance company computers that extract and provide them to the outside; A template and a plurality of mobile communications for establishing affiliation relations for use of a plurality of insurance companies and for transmitting and displaying various data provided from a plurality of insurer computers which have established a partnership to a plurality of mobile communication terminals through a common form. An operating program for using the insurance service through the mobile Internet network of the terminal is provided, and the menu data regarding the use of the insurance service is transmitted to the mobile communication terminal selected for the insurance service by performing communication access through the mobile internet network, and mobile communication. When the insurance type selection, the specific insurance company selection, and the sub-menu selection data are sequentially received from the terminal, a request is made to transfer the data corresponding to the menu selected by the user to the insurance company computer that has set up the partnership, and the user selects from the insurance company computer. Equivalent to a specific menu That is configured to include a server computer and send data to the mobile communication terminal through a mobile internet to be displayed on the screen characterized.

In addition, the insurance service method using the mobile Internet according to the present invention, (1) by transmitting the data provided from a plurality of insurer computers that have established a partnership relationship on the use of insurance services from the server computer to the mobile communication terminal through a common form; The process of starting a service by constructing a template for displaying and establishing an operation program for the use of insurance services through a mobile Internet network of a plurality of mobile communication terminal users is as follows: (2) Communication access through a mobile Internet network from a server computer Transmitting menu data relating to the use of insurance service to a specific mobile communication terminal having selected the insurance service; (3) determining whether insurance type selection, specific insurance company selection, and sub-menu selection data are sequentially received from the mobile communication terminal confirming menu data on insurance service use in the server computer; (4) As a result of determination, if data of insurance type selection, specific insurance company selection, and submenu selection are sequentially received from the mobile communication terminal, request transmission of data corresponding to the menu selected by the user from the server computer to the specific insurance company computer designated by the user. Process of doing; And (5) transmitting data corresponding to a specific menu selected by the user provided from the insurance company computer to the corresponding mobile communication terminal through the mobile Internet network.

Hereinafter, with reference to the accompanying drawings will be described in detail the insurance service system and method using the mobile Internet of the present invention.

1 is a block diagram schematically showing the configuration of an insurance service system using a mobile Internet according to the present invention.

As shown, the mobile Internet network 100 connects the communication lines between the plurality of mobile communication terminal 200 and the server computer 400 so that the data transmission and reception of the insurance service is mutually performed.

The plurality of mobile communication terminals 200 are communication devices such as mobile phones and PDAs that can be connected to the mobile Internet network 100, and communicate with the server computer 400 through the mobile Internet network 100 according to a user's device manipulation. The connection is performed, and menu data regarding insurance service usage is received from the server computer 400 according to the user's insurance service selection, and displayed on the screen.

Then, the insurance type selection, specific insurance company selection, and sub-menu selection data which are sequentially input by the user who confirms the menu data related to the use of the insurance service are transmitted to the server computer 400, which is provided by the specific insurance company according to the user's menu selection. Data corresponding to the menu is received from the server computer 400 and displayed on the screen.

In this case, the insurance type input by the user of the mobile communication terminal 200 may include life insurance and non-life insurance, and the specific insurance company may be one or more of domestic and overseas insurance companies affiliated with the server computer 400, and a lower menu. In the case of life insurance, it consists of menus such as inquiry of various contracts, deposit and withdrawal service, information change and insurance claim, personalized insurance, e-mail service, event, and guidance service. Consists of menus such as car insurance, deposit and withdrawal services, emergency services and information changes, personalized insurance, e-mail services, events, and guidance services (see FIGS. 4 and 5).

In addition, when the user of the mobile communication terminal 200 selects each menu of the above-described submenu, the following various insurance-related services for each submenu of the life insurance and the non-life insurance can be used through the mobile internet network 100. The detailed process of using the service available for each sub menu will be omitted.

Various contract inquiry menu (common life insurance and non-life insurance), such as: 1. contract inquiry, 2. terms loan possible inquiry, 3. loan history inquiry, 4. dividend inquiry, 5. transaction history inquiry, 6. overdue history inquiry, 7. Inquiries about cancellation refunds, 8. Inquiries for dormant insurance.

Withdrawal service menu (common for life insurance and non-life insurance) includes: 1. Payment of premiums, 2. Loan of terms and conditions, 3. Repayment of terms and loans, 4. Receipt of partial payments, 5. Receipt of dividends, 6. Receipt of maturity insurance, 7. Termination Receiving refunds, 8. receiving unpaid balances, etc.

Information change and claims menu (life insurance) includes: 1. Change of payment method, 2. Change of direct debit account, 3. Change of address, 4. Change of contact, 5. Claim (call center).

My insurance menu (common for life insurance and non-life insurance) includes: 1. by purpose, 2. by monthly payment, 3. search by company, 4. search by age, and 5. loan information.

E-mail service menu (common for life insurance and non-life insurance) includes: 1. Application for proof of premium payment, 2. Application for confirmation of year-end payment, 3. Application for insurance confirmation, 4. Application for insurance policy reissue, 5. Application for insurance contract terms, 6 My application includes the guarantee coverage.

The event menu (common for life insurance and non-life insurance) includes 1. marketing event promotion by insurance company, 2. survey (by insurance company), and the like.

Information service menu (life insurance), such as: 1. company information, 2. company phone number guide, 3. company location location information, and the like.

The auto insurance menu (anti-life insurance) includes: 1. Confirmation of contract, 2. My insurance service, 3. My discount, premium rate, 4. Finding a person in charge, 5. Insurance products, 6. Insurance common sense.

Emergency services and information change menu (injury insurance) include: 1. Report a car accident, 2. Claim your claim, 3. Change your payment method, 4. Change your direct debit account, 5. Change your address, and 6. Change your contact details.

The information service menu (injury insurance) includes: 1. Company information, 2. Company phone number information, 3. Company location information, 4. Direct workshop, 5. Hospital information.

Here, each menu data for using the insurance service as described above is merely described by way of example, and of course, each menu data may be changed when applied to the system.

The plurality of insurance company computers 300 are established in partnership with the server computer 400 that provides insurance services for the plurality of mobile communication terminals 200 through the mobile Internet network 100, the server computer 400 When a request for providing data corresponding to a menu selected by a specific user is requested, data corresponding to the menu is extracted and provided to the server computer 400.

The server computer 400 establishes an alliance relationship with a plurality of insurers and uses insurance services, and uses a plurality of mobile communication terminals 200 through a common form for various data provided by the plurality of insurer computers 300 that have established the alliance relationship. And a template for transmitting and displaying the information and an operation program for using the insurance service through the mobile Internet network 100 of the plurality of mobile communication terminals 200. The insurance service is performed by performing a communication connection through the mobile Internet network. The menu data regarding insurance service use is transmitted to the selected mobile communication terminal 200.

When the insurance type selection, the specific insurance company selection, and the sub-menu selection data are sequentially received from the mobile communication terminal 200, the corresponding user selected by the specific insurance company computer 300 (that is, the insurance company selected by the user) that has established the partnership. Request the transmission of data corresponding to the menu, and transmit the data corresponding to the specific menu selected by the user provided from the insurance company computer 300 to the mobile communication terminal 200 through the mobile Internet network 100 to display on the screen To display.

At this time, the server computer 400, when the menu selection data (for example, contract inquiry, etc.) requiring user authentication is received from the specific mobile communication terminal 200 through the mobile Internet network 100, the user first After the communication connection with the specified insurance company computer 300, the authentication data input request data requested by the insurance company computer 300 is transmitted to the mobile communication terminal 200, the ID received from the mobile communication terminal 200 The authentication data of the password, social security number, etc. is provided to the insurance company computer 300 to perform the user authentication procedure.

In addition, when the server computer 400 receives data for insurance product search from a specific mobile communication terminal 200 through the mobile Internet network 100, various server companies 300 provided with a plurality of insurance company computers that have established a partnership relationship are provided. Based on the insurance product information, the user provides a customized service to extract the desired insurance product and transmit it to the mobile communication terminal (200). In this case, the user of the mobile communication terminal 200 should input basic search condition data such as purpose, monthly payment amount, company, and age in order to search for the insurance product desired by the user.

In addition, the server computer 400, when performing a promotion, advertising, information related to the insurance to the plurality of mobile communication terminal 200 through a text message or email, the contact information or contact link for the person in charge of each insurance company By sending the information together, it provides a two-way communication service that can be connected to the insurer's representative or online, according to the user's choice.

2 is a block diagram illustrating the configuration of the server computer 400 of FIG. 1 described above in more detail.

As shown, the data communication means 410 transmits menu data regarding the use of insurance services with a plurality of mobile communication terminals 200 connected through the mobile Internet network 100, insurance type selection, specific insurance company selection, Receives lower menu selection data and transmits data corresponding to a specific menu selected by a user, and corresponds to a menu selected by a plurality of insurance company computers 300 and a user established a partnership under the control of the control means 420. A request for data transmission is performed and data input corresponding to a specific menu selected by the user is performed.

The control means 420 receives the insurance service selection data from the plurality of mobile communication terminals 200 which have communicated with each other through the data communication means 410. Control, and when the insurance type selection, specific insurance company selection, and sub-menu selection data are sequentially received from the mobile communication terminal 200 through the data communication unit 410, the data is transferred to the specific insurance company computer 300 designated by the corresponding user. Request the transmission of data corresponding to the menu selected by the user, and the data corresponding to the specific menu selected by the user provided from the insurance company computer 300 through the data communication means 410 through the data communication means 410. Control to transmit to the mobile communication terminal 200.

The database 430 includes a template and a plurality of movements for transmitting and displaying various data regarding insurance services provided by a plurality of insurer computers 300 having established a partnership to a plurality of mobile communication terminals 200 through a common form. An operating program for using the insurance service through the mobile Internet network 100 of the communication terminal 200 is stored, and information of various insurance products provided from the plurality of insurance company computers 300 under the control of the control means 420. Save it.

Next, an embodiment of the insurance service method using the mobile Internet according to the present invention configured as described above will be described in detail with reference to FIG.

5 is a flowchart showing in detail the operation of the insurance service method using the mobile Internet according to the present invention.

First, a template for transmitting and displaying data provided from a plurality of insurance company computers 300 having established an alliance for insurance service use in the server computer 400 to the mobile communication terminal 200 through a common form is configured. In operation S100, a plurality of mobile communication terminal 200 users start the service by building an operation program for using the insurance service through the mobile Internet network 100.

Thereafter, the server computer 400 performs a communication connection through the mobile Internet network 100 and transmits menu data regarding insurance service use to the specific mobile communication terminal 200 having selected the insurance service (S200).

In operation S300, it is determined whether insurance type selection, specific insurance company selection, and submenu selection data are sequentially received from the mobile communication terminal 200 confirming menu data regarding insurance service usage in the server computer 400.

As a result of determination, when insurance type selection, specific insurance company selection, and submenu selection data are sequentially received from the mobile communication terminal 200, the server computer 400 performs a communication connection with the specific insurance company computer 300 designated by the user, and The insurance company computer 300 requests the transmission of data corresponding to the menu selected by the user (S400).

When data corresponding to a specific menu selected by the user is provided from the insurance company computer 300 according to the request of the server computer 400, the server computer 400 accesses a specific menu selected by the user provided by the insurance company computer 300. Corresponding data is transmitted to the corresponding mobile communication terminal 200 through the mobile Internet network 100 (S500).

In addition, after the above-described process (S500), the server computer 400 in the mobile Internet to send a text message or e-mail containing the contact information or link information for the online contact of the insurance company for promotion, advertising, information related to the insurance It may be transmitted to the plurality of mobile communication terminals through the network (S600).

That is, according to the user's selection of the user of the mobile communication terminal 200 that receives the insurance-related promotion, advertisement, and information data from the server computer 400, the representative of the insurance company or the server computer (through the mobile Internet network 100) It is to provide a text message or e-mail service including two-way communication function to directly access the 400, and to use insurance-related services based on promotion, advertisement, and information.

On the other hand, the server computer 400, if the menu selection data received from the mobile communication terminal 200 in the above-described process (S400) is menu selection data that requires user authentication of the insurance company computer 300, a specific insurance company specified by the user After the communication connection with the computer 300, the authentication data input request data requested by the insurance company computer 300 is transmitted to the mobile communication terminal 200, ID, password, resident registration number received from the mobile communication terminal 200 The authentication data of the insurance company computer 300 to provide a user authentication procedure.

In addition, when the menu selection data received from the mobile communication terminal 200 is an insurance product search in step S400, the server computer 400 may provide various insurances provided by a plurality of insurance company computers 300 that have established partnerships. After extracting the insurance product desired by the user based on the product information, it is transmitted to the mobile communication terminal 200 through the mobile Internet network 100 to help the user select the insurance product.

As described above, according to the insurance service system and method using the mobile Internet of the present invention, by using a template of a common form on the server computer side, by using the data used by all the insurers affiliated together, the mobile communication terminal users Through the mobile Internet, various services related to insurance can be conveniently used regardless of the insurance company.

In addition, each insurer does not have to invest a lot of money in establishing a service for using the mobile Internet, and it is possible to increase the recognition of the insurer through the convenient use of the mobile terminal users and to maximize the operating profit. .

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (9)

A mobile internet network connecting unspecified communication lines to perform data communication with each other on the use of insurance services; In accordance with the user's operation of the device through the mobile Internet network to communicate with the outside, according to the user's insurance service selection receives the menu data about the use of insurance services from the outside and displays on the screen, The user who checks the menu data transmits the insurance type selection, specific insurance company selection, and sub-menu selection data sequentially, and receives data corresponding to the menu provided by the specific insurance company from the outside according to the user's menu selection. A plurality of mobile communication terminals displayed on the screen; A partnership has been established with an outside that provides insurance services for the plurality of mobile communication terminals through the mobile Internet network, and if a request is made to provide data corresponding to a menu selected by a specific user from the outside, the corresponding menu corresponds to the corresponding menu. A plurality of insurance company computers for extracting data to be provided to the outside; And A template for establishing a partnership relationship with a plurality of insurance companies and using insurance services, and transmitting and displaying various data provided by the plurality of insurance company computers having established a partnership relationship to the plurality of mobile communication terminals through a common form; Menu data regarding the use of insurance service to the mobile communication terminal having an operation program for using the insurance service through a mobile Internet network of a plurality of mobile communication terminal, and selected the insurance service by performing a communication connection through the mobile Internet network And sequentially receiving insurance type selection, specific insurance company selection, and sub-menu selection data from the mobile communication terminal, requesting transmission of data corresponding to a menu selected by the user to the insurance company computer that has set up the partnership, Provided by the insurance company computer And a server computer for transmitting data corresponding to a specific menu selected by the user to the mobile communication terminal through the mobile internet network and displaying the data on the screen. The method of claim 1, wherein the server computer, Transfer of menu data relating to the use of insurance services with the plurality of mobile communication terminals connected through the mobile Internet network, insurance type selection, specific insurance company selection, submenu selection data reception, data corresponding to a specific menu selected by a user A data communication means for transmitting the data, requesting transmission of data corresponding to the menu selected by the plurality of insurance companies and the user, and inputting data corresponding to the specific menu selected by the user; When insurance service selection data is received from the plurality of mobile communication terminals connected through the data communication means, control is performed to transmit menu data on insurance service use, and insurance type selection from the mobile communication terminal is performed through the data communication means. When a specific insurance company selection and a sub-menu selection data are sequentially received, a request is made to transmit data corresponding to a menu selected by a user to a specific insurance company computer designated by the user, and a user provided from the insurance company computer through the data communication means. Control means for controlling to transmit data corresponding to the selected specific menu to the corresponding mobile communication terminal; And A template for transmitting and displaying various types of data related to insurance services provided by the plurality of insurance company computers having established a partnership to the plurality of mobile communication terminals through a common form, and the mobile Internet network of the plurality of mobile communication terminals. And a database storing an operation program for using insurance services through a database, the database storing information of various insurance products provided from the plurality of insurance company computers under the control of the control means. Insurance service system. The method of claim 1, wherein the server computer, When menu selection data requiring user authentication is received from the mobile communication terminal through the mobile Internet network, communication connection with a specific insurance company computer designated by the user is first performed, and then the authentication data input request data requested by the insurance company computer is moved. Transmitting to a communication terminal, and providing the authentication data of the ID, password, social security number received from the mobile communication terminal to the insurance company computer to perform a user authentication procedure, characterized in that the mobile Internet. The method of claim 1, wherein the server computer, When data for insurance product search is received from the mobile communication terminal through the mobile Internet network, the insurance product desired by the user is extracted based on various insurance product information provided by the plurality of insurance company computers that have established a partnership. Insurance service system using the mobile Internet, characterized in that to provide a customized service for transmitting to the communication terminal. The method of claim 1, wherein the server computer, When carrying out promotion, advertisement, or information related to insurance to the plurality of mobile communication terminals through text message or e-mail, the insurance company's contact information or link information for online connection is also transmitted. Insurance service system using the mobile Internet, characterized in that to provide a two-way communication service that can be connected to the person in charge or online access. (1) A template for transmitting and displaying data provided from a plurality of insurance company computers that have established an alliance for insurance service use on a server computer to a mobile communication terminal through a common form, and The process of starting the service by establishing an operation program for using the insurance service through the mobile Internet network: (2) performing communication access from the server computer through a mobile Internet network to transmit menu data regarding insurance service use to a specific mobile communication terminal selected for insurance service; (3) determining whether an insurance type selection, a specific insurance company selection, and a submenu selection data are sequentially received from the mobile communication terminal confirming menu data on insurance service usage at a server computer; (4) As a result of the determination, when insurance type selection, specific insurance company selection, and submenu selection data are sequentially received from the mobile communication terminal, data corresponding to the menu selected by the user is transmitted from the server computer to the specific insurance company computer designated by the user. Requesting for; And (5) an insurance service using the mobile internet, comprising transmitting data corresponding to a specific menu selected by a user provided from the insurance company computer to the mobile communication terminal through the mobile internet network. Way. The method of claim 6, wherein the menu selection data received from the mobile terminal in the step (4) is menu selection data requiring user authentication of the insurance company computer. The server computer performs a communication connection with a specific insurance company computer designated by the user and transmits authentication data input request data requested by the insurance company computer to the mobile communication terminal. Insurance service method using a mobile Internet, characterized in that to provide the authentication data of the ID, password, social security number received from the mobile communication terminal to the insurance company computer to perform a user authentication procedure. The method of claim 6, wherein the menu selection data received from the mobile communication terminal in step (4) is insurance product search. The insurance service method using the mobile Internet, characterized in that for extracting the insurance product desired by the user based on the various insurance product information provided from the plurality of insurer computers that have established a partnership in the server computer to transmit to the mobile communication terminal . The method of claim 6, wherein after the step (5), (6) A plurality of text messages or e-mails including contact information for each insurance company for interactive communication function or link information for online connection for the promotion, advertisement, and information related to insurance on the server computer are transmitted through the mobile Internet network. Insurance service method using the mobile Internet, characterized in that further performing the process of transmitting to the mobile communication terminal.