KR20140053921A - System for providing travel insurance service - Google Patents

Abstract

A travel insurance processing system is provided. The travel insurance processing system according to an embodiment of the present invention includes an insurance company server for providing a travel insurance product and receiving and processing an insurance related request, a client unit for inquiring the travel insurance product, a mediation server connected to the insurance company server and the client server, for mediating data, and an authentication server for identifying authority of the client unit. The client unit transmits individual identification information to the mediation server, and the mediation server accesses to the authentication server using the individual identification information to inquire authority of the client unit.

Description

[0001] SYSTEM FOR PROVIDING TRAVEL INSURANCE SERVICE [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a travel insurance processing system, and more particularly, to a travel insurance processing system capable of subscribing and claiming using a mobile device.

In recent years, insurance and life insurance companies have become increasingly widespread with the spread of life insurance or life insurance that provides financial compensation when illness or accident occurs. In addition to the simple work of old insurance recruitment and premium payment, And the role of a health planner who provides information to live a healthy life by predicting the risk of disease is increasing.

However, since insurance products have diversified in recent years, subscribers who want to purchase insurance have difficulty in selecting the necessary insurance for themselves from among various insurance products.

If you are traveling to a destination, you will be required to purchase a travel insurance plan in preparation for an accident during the travel period before departure. If you are unable to join the travel insurance plan, In a state of blindly trusting that they are not fully aware of the scope of coverage.

In order to solve this problem, a service for inquiring insurance products on the Internet or a mobile device has been suggested. However, since complicated user authentication is required and the convenience of the user is degraded and each insurer provides services from other sites or other applications, It is difficult to identify the advantages and disadvantages of similar insurance products.

In particular, in order to claim insurance claims due to insurance coverage, there is a problem in that the convenience and convenience of the user are compromised because the bill and receipt must be collected and mailed or received.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems and it is an object of the present invention to provide a travel insurance processing system which is easy to subscribe without complicated authentication procedure.

Another problem to be solved by the present invention is to provide a travel insurance processing system that provides a comparison information so that users can easily compare the advantages and disadvantages of the respective insurance products by easily inquiring the details of insurance products for each insurance company.

Another object of the present invention is to provide a travel insurance processing system that can be operated on a mobile device, which is serviced on a mobile device and subscription and insurance claims are all performed.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, a traveler insurance processing system according to an embodiment of the present invention includes an insurance company server for providing a traveler insurance product and receiving and processing an insurance related request, a client device for inquiring the traveler insurance product, And an authentication server connected to the client device and for relaying predetermined data and an authority of the client device, wherein the client device transmits the personal identification information to the brokerage server, Accesses the authentication server using the personal identification information, and inquires the authority of the client apparatus.

A traveler's insurance processing system according to another embodiment of the present invention includes an insurance company server that provides a traveler's insurance product and receives and processes an insurance-related request, a client device including a communication module and a photographing module, Wherein the client device scans the insurance claim document using the photographing module and transmits the insurance claim document to the insurance company server using the communication module, do.

The details of other embodiments are included in the detailed description and drawings.

The embodiments of the present invention have at least the following effects.

It is possible to provide a travel insurance processing system that can easily subscribe a traveler's insurance product without complicated authentication procedure through a personal mobile device or a kiosk terminal installed in a specific place.

In addition, it is possible to provide a travel insurance processing system that provides comparative information so that a user can easily compare the advantages and disadvantages of each travel insurance product by easily inquiring the details of the insurance product by each insurance company.

It can also provide a traveler insurance processing system that is serviced on a mobile device and can be performed online, including subscription and insurance claims.

The effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the specification.

1 is a block diagram illustrating a travel insurance processing system according to an embodiment of the present invention.
FIG. 2 is a block diagram showing a configuration in which a plurality of insurers and client devices are provided in the traveler insurance processing system of FIG. 1;
3 is a flowchart illustrating an insurance process according to the traveler's insurance processing system of FIG.
4 is a flowchart illustrating another insurance processing process according to the traveler's insurance processing system of FIG.
5 is a block diagram illustrating a traveler's insurance processing system in accordance with another embodiment of the present invention.
6 is a flowchart for explaining an insurance process according to the traveler's insurance processing system of FIG.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. The dimensions and relative sizes of the components shown in the figures may be exaggerated for clarity of description.

Hereinafter, a traveler insurance processing system according to an embodiment of the present invention will be described with reference to FIGS. 1 to 4. FIG. FIG. 1 is a block diagram showing a traveler insurance processing system according to an embodiment of the present invention. FIG. 2 is a block diagram showing a configuration in which a plurality of insurance companies and client devices are provided in the traveler insurance processing system of FIG. FIG. 3 is a flowchart for explaining an insurance process according to the traveler's insurance processing system of FIG. 1, and FIG. 4 is a flowchart for explaining another insurance process according to the traveler's insurance processing system of FIG.

Referring to FIG. 1, a traveler insurance processing system according to an embodiment of the present invention includes an insurance company server 110 that provides insurance products and receives and processes insurance related requests, a client device 120 that inquires insurance products, A mediation server 130 connected to the insurance company server 110 and the client device 120 for mediating predetermined data and an authentication server 140 for verifying the authority of the client device 120, The mediation server 130 transmits the personal identification information to the mediation server 130. The mediation server 130 accesses the authentication server 140 using the personal identification information and inquires about the authority of the client device 120. [

The insurance company server 110 provides information on a plurality of insurance products. The insurance company server 110 may refer to a server operated by an insurance company that designs an insurance product and recruits insurance members based on the insurance company. Lt; RTI ID = 0.0 > a < / RTI > server. The user can access the insurance company server 110 through the client device 120 and inquire information about the insurance product.

The insurance company server 110 may allow the connection of a plurality of client devices 120 via the network. The network may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet, or may be a core network including a TCP / IP protocol and various services located thereon, ), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), and the like.

The insurance company server 110 may provide information about one or more insurance products, and the information about the insurance products may include the description of the insurance product, the terms, the subscription guide, and the like.

The types of insurance products provided by the insurance company server 110 are not limited and may include all kinds of insurance products such as protection insurance, actual expenses insurance, and travel insurance. Hereinafter, for convenience of description, the commodity provided by the insurance company server 110 is limited to the case of traveler's insurance.

The information on the insurance product provided by the insurance company server 110 and the insurance-related processing contents may have the same effect as the insurance-related business performed on the off-line.

The client device 120 can inquire the information about the insurance product provided by the insurance company server 110 and transmit an insurance related request for the desired insurance product to the insurance company server 110 based on the information of the inquired insurance product . As shown in FIG. 1, the client device 120 is directly connected to the insurance company server 110 to transmit and receive data. The client device 120 is connected to the intermediary server 130 through the intermediary server 130, It may be a configuration in which all data is transmitted and received.

Herein, the client device 120 may refer to a user who accesses the insurance company server 110 and utilizes predetermined information, or may access the insurance company server 110 to inquire insurance products And a client access terminal device for performing a series of insurance related operations such as subscription or insurance claims.

For example, the client device 120 may be a computer such as a desktop PC, a notebook PC, or the like, and may be any type of wired / wireless communication device capable of accessing the insurance company server 110 through the Internet and using a two-way communication service.

For example, the client device 120 may be a cellular phone, a Personal Communications Services phone (PCS phone), a synchronous / asynchronous IMT-2000 (International Mobile Telecommunication- (PDA), a smart phone, a WAP phone (wireless application protocol phone), a mobile game machine (mobile phone), and the like. a mobile communication terminal, a mobile play-station, and the like, as well as a wired / wireless home appliance / communication device having a user interface.

In addition, the client device 120 may be a kiosk. The kiosk is an unmanned information terminal installed in a public place, and can be installed without restrictions on places such as an airport and an agent.

Hereinafter, the client device 120 will be described as a smart phone for the sake of convenience, but the client device 120 is not intended to be limited in its type.

The client device 120 installs a predetermined application and connects to the intermediary server 130 through the application and connects to the insurance company server 110 via the intermediary server 130 to transmit and receive predetermined data related to the insurance product .

The client device 120 may include a communication module for transmitting and receiving data to and from the mediation server 130, a display module for visually displaying transmitted and received data, and a storage module for storing transmitted and received data.

The mediation server 130 is connected to the insurance company server 110 and the client device 120 to mediate predetermined data. The intermediary server 130 may allow the insurer server 110 and / or the client device 120 to access the network via the network, just as the insurance server 110 is. The network may be wired or wireless Internet.

2, the mediation server 130 may be connected to a plurality of insurance company servers 111, 112, and 113 and a plurality of client devices 121, 122, and 123 to process a plurality of requests.

For example, when the first client device 121 requests information on insurance products provided by the first to third insurance company servers 111, 112, and 113, (111, 112, 113), and provide the result to the first client device (121).

Accordingly, the client device 120 can access the insurer server 110 separately, and can receive the necessary information through the intermediary server 130 without having to collect the insurance-related data.

To this end, the mediation server 130 inquires insurance related information provided by a plurality of insurance company servers 111, 112, and 113 in advance and stores it in a database (not shown) included in the mediation server 130 or connected to the mediation server 130, .

In addition, the mediation server 130 simplifies the procedure for the user to separately access the respective insurance company servers 111, 112, and 113 and perform personal authentication separately, and performs a single authentication operation with the authentication server 140 Thereby enabling access to the insurance company servers 111, 112, and 113.

The authentication server 140 performs an authentication operation for confirming the access right of the client device 120 in response to a request from the mediation server 130. When the client device 120 accesses the mediation server 130 or intends to subscribe to an insurance product, the mediation server 130 requests authentication information for confirming personal information with the client device 120, and the client device 120 The authentication server 140 is accessed based on the authentication information returned from the authentication server 140, and the client device 120 is checked whether the user is a legitimate user or an identifiable user.

For example, the authentication server 140 can authenticate the client device 120 using the mobile phone number authentication method. The mediation server 130 receives the mobile phone number from the client device 120 and requests the authentication server 140 to transmit the authentication number to the corresponding mobile phone number and the mediation server 130 again authenticates the client device 120 The client device 120 can perform authentication of the client device 120 by requesting the user to input a number. In this process, information such as a resident registration number can be received from the client device 120 for identification.

As described above, the client device 120 does not need to perform a plurality of times of authentication with the individual insurance company server 110. After performing the authentication with the intermediary server 130, the client device 120 acquires data from each insurance company server 111, 112, Lt; / RTI >

In some embodiments, the authentication server 140 may be a mobile carrier server that provides personal information of a mobile communication subscriber. When the client device 120 is a smartphone, a tablet or a PDA subscribed to a mobile communication network, personal information is provided to a mobile communication company at the time of subscription to the mobile communication company. Therefore, when the connection request is received by the mediation server 130, when the mediation server 130 authenticates the authorized device, the mediation server 130 connects to the personal information server provided by the mobile communication company And performs authentication of the client device 120 requesting the current connection.

For example, if the client device 120 transmits part of the resident registration number corresponding to its own private key and / or the information written at the time of registration to the mobile communication company server through the intermediation server 130, It is possible to perform the identity authentication process by comparing the user information of the user 120 with the user information.

In some embodiments, when the authentication server 140 is a mobile communication company server, when a user who has purchased traveler's insurance through the client device 120 leaves the country, the authentication server 140 uses the roaming service or the Internet network The traveler's insurance related information can be transmitted to the client device 120 of the user located overseas. For example, the travel insurance information may be delivered to the client device 120 in the form of a text message (SMS, MMS) via roaming, delivered via e-mail, or delivered in the form of a document file attached to the message or mail . Accordingly, the user using the client device 120 can confirm the range that he / she can assure from time to time during the stay abroad.

Referring to FIG. 3, an insurance processing method between an insurance company server 110, a client device 120, and a mediation server 130 is illustrated.

First, the client device 120 transmits an inquiry about the insurance product to the intermediary server 130 (S102). The inquiry request process may be performed in such a manner that an application form screen provided by the mediation server 130 is displayed on the client device 120 and a user using the client device 120 inputs or selects an insurance product desired by the user .

When the inquiry request reaches the mediation server 130, the mediation server 130 performs authentication of the authentication of the authentication server 140 and the client device 120 (S104). When the authentication operation is completed, the client device 120 inquires the insurance company of the requested insurance product (S106), and requests the insurance company server 110 for information about the insurance product (S108).

Upon receiving the request, the insurance company server 110 inquires the information about the insurance product from the database and transmits it to the mediation server 130 at step S110. The mediation server 130 having received the information data on the insurance product delivers the information data on the insurance product to the client device 120 requesting the data (S112).

The client device 120, which has received the information data on the insurance product, displays it through the display module so that the user can confirm it. If it is desired to join the insurance product after confirming the information on the insurance product, the information requesting the insurance product and the personal information necessary for the subscription are transmitted to the intermediary server 130 (S114). In this process, the client device 120 can receive information on a plurality of insurance products comparable from a plurality of insurance company servers 110 through the intermediary server 130. [

The intermediary server 130 delivers the subscription request to the insurance company server 110 at step S116 and the insurance company server 110 that has received the subscription request proceeds the online inscription process necessary for insuring the insurance product, (S118). In the conventional case, since the insurer server 110 must perform an authentication procedure such as a public certificate, it is not possible to directly process a public certificate in a mobile device that can not receive a public certificate in an external environment without a desktop PC In the case of the traveler insurance processing system according to the present embodiment, personal authentication is performed in the intermediary server 130, but the authentication method uses an unnecessary certificate, so that the mobile device can directly insure it.

In some embodiments, a plurality of users may be insured due to one insurance product subscription request. For example, in the case of family insurance, the applicant enters information on his / her own information and information about his or her spouse and / or dependents to be enrolled on one application form screen to perform multiple authentication and multiple enrollment requests can do.

For example, a user having a spouse inputs his / her information and spouse information through an input screen displayed on one client device 120, and the spouse and spouse authentication can be performed in the mobile communication company server as described above. If the person and spouse belonging to a family composed of a plurality of members join the mobile communication network through different communication companies, that is, the person is an SKT subscriber and the spouse is a KT subscriber, Authentication requests can be sent individually to perform family-level authentication.

That is, the personal identification information received by the insurance company server 110 may include information of a family unit composed of a plurality of members.

Accordingly, the user who transmits the authentication request and the subscription request through the client device 120 does not have to repeat the same operation, and can conclude a plurality of insurance contracts through one authentication request and subscription request. If there is no unavailability of the subscription, the insurer server 110 completes the insurance subscription process and transmits the subscription result to the mediation server 130 (S120). The mediation server 130 receiving the subscription result updates the insurance product subscription history information with the consent of the corresponding client device 120 (S122). If the acceptance message is not received from the client device 120, only the function of transmitting the subscription result is performed (S124).

The insurance product subscription history information can be managed to prevent duplicate input of personal information or insurance information when re-entering the same conditions in the future. For example, if the insurance product is a traveler's insurance, has a history of being covered by A insurance to travel to A country, and wants to re-enter A insurance to travel to B country under the same security conditions, It is possible to simplify the input process by inquiring the corresponding data.

Referring to FIG. 4, an insurance re-entry method between the insurance company server 110, the client device 120, and the intermediary server 130 is illustrated.

First, after the client device 120 inquires information on the insurance product from the mediation server 130, the insurance device 120 selects an insurance product in which the insurance product subscription history is stored, Information (S202). Upon receiving the request, the mediating server 130 may perform the authentication of the client device 120 (S204).

In some embodiments, the client device 120 and the mediation server 130 may be configured to perform only one initial authentication operation, and to skip the authentication operation after two or more connections.

The mediating server 130 may inquire information about the insurance product registration history of the client device 120 and provide the inquiry result back to the client device 120 at step S206.

The client device 120, which has received the subscription history information about the selected insurance product, displays this and the user creates the insurance subscription data by modifying only the remaining data based on the existing subscription history. For example, in the case of a travel insurance product, only the information about the travel country and the date and time of travel can be modified and the remaining conditions remain the same. In such a case, a kiosk or a smartphone, for which character input is not as easy as a desktop PC, can quickly and accurately create an insurance application.

When the insurance application form is created, the client device 120 transmits an insurance product subscription request to the mediation server 130 (S208). The intermediary server 130 transfers the requested insurance product to the insurance company server 110 (S210), and processes the subscription for the insurance product requested by the insurance company server 110 (S212). The subscription processing result is transmitted from the insurance company server 110 to the client device 120 via the intermediary server 130 (S214, S218). If the user agrees in this process, the subscription history of the newly added insurance product may also be updated (S216).

As described above, according to the traveler's insurance processing system according to the present embodiment, insurance can be rapidly acquired online through the client device, and new insurance can be more quickly subscribed, particularly based on the existing subscription history. Accordingly, it is possible to provide convenience to users who wish to purchase traveler's insurance before leaving the airport, but the present invention is not limited thereto.

Hereinafter, a traveler insurance processing system according to another embodiment of the present invention will be described with reference to FIGS. 5 and 6. FIG. FIG. 5 is a block diagram illustrating a travel insurance processing system according to another embodiment of the present invention, and FIG. 6 is a flowchart illustrating an insurance processing process according to the traveler insurance processing system of FIG.

The traveler insurance processing system according to another embodiment of the present invention includes an insurance company server 210 that provides an insurance product and receives and processes an insurance related request, a client device 220 including a communication module 221 and a photographing module 222 And an intermediary server 230 that is connected to the insurance company server 210 and the client device 220 and intermediates the predetermined data. The client device 220 includes an image acquisition module 222, And transmits the document related to the insurance claim to the insurance company server 210 by using the communication module 221. [

The traveler's insurance processing system according to the present embodiment is the same as the traveler's insurance processing system according to the previous embodiment except that the authentication work is omitted at the time of insurance application and is performed at the time of claiming insurance, The process of claiming through the scanning and transmission of related documents is further carried out.

As described above, the client device 220 may be a desktop PC, a notebook PC, a mobile device such as a smart phone, or a kiosk that is an unmanned information terminal installed in a predetermined place.

The client device 220 includes a communication module 221 and a photographing module 222 and is capable of transmitting and receiving predetermined data to and from the mediation server 230 through the communication module 221. In some embodiments, the client device 220 may be directly connected to a particular insurance company server 210 during some data transmission / reception.

The authentication procedure described in the foregoing embodiment may be performed before insuring. However, in this embodiment, the authentication process is omitted at the time of insuring the insurance, and at the time when the claimant claims the claim, The process is limited to being performed.

That is, when the client device 120 transmits the insurance claim document to the insurance company server 110, the authentication process for the insured person is performed together.

In order to facilitate the convenience of the user who intends to join the travel insurance at the airport before leaving the country, the subscriber authentication process may be skipped and the insurance subscription examination process may be performed based on the personal information entered by the subscriber. However, if there is a claim for insurance claim according to the traveler's insurance after entering the country, the subscriber authentication process may be performed by the above-described procedure.

The communication module 221 may be a device supporting a wireless or wired network. The photographing module 222 is a device for photographing a document related to claims. The camera module 222 may be any type of camera using an image element such as a CCD Module. ≪ / RTI >

If an insured insured has a claim for insurance claims, the person receiving the insurance or the insured party may file a claim for insurance claims. Documents related to claims may include receipts such as insurance claims and hospital expenses or pharmacy receipts, and the required documents may vary depending on the type of insurance product.

In the former case, the necessary documents for the insurance claim are prepared and the insurer visits the insurer directly or receives it by mail. Since the insurer inspects the insurer and pays the insurance money, the insurance processing period is long and the insurance claim is inconvenient.

On the other hand, in the case of the traveler insurance processing system according to the present embodiment, the document necessary for claiming insurance is photographed through the photographing module 222, and the prepared document scan data related to the insurance claim is transmitted to the mediation server 230 Or to the insurance company server 210.

Therefore, postal receipt or visit reception is unnecessary, and insurance claims can be made promptly.

In addition, the mediation server 230 may provide the insurance claim template to the client device 220, and the client device 220 may display the insurance claim template to receive relevant information from the user, Related information to the insurance company server 230 together with the scan data of the insurance claims related document.

Although not shown, the mediation server 230 performs an authentication operation with the authentication server (not shown) to simplify the process of performing a plurality of authentication operations between the client device 220 and the insurance company server 210 individually have.

Hereinafter, referring to FIG. 6, a method of claiming insurance company server 210, client device 220, and mediation server 230 is illustrated.

First, the client device 220 can request an insurance claim template from the mediation server 230 (S302). The mediation server 230 inquires the database, and when the insurance claim template exists, the client device 220 transmits the corresponding data . This process may be omitted in other embodiments, and in the case where it is omitted, the insurance billing process may be replaced with a method of photographing the insurance bill written by the user through the photographing module 222.

The client device 220 receiving the insurance bill template receives the necessary information from the user using the template (S306). Then, the user can generate image data such as receipts, identification card copies, and other necessary documents other than the insurance claims by using the photographing module 222 of the client device 220 (S308). As described above, if the insurance claim form template is not used, the insurance claim form may be directly created, and the insurance claim form may be used to generate the image data through the photographing module 222.

When the scan data generated by the photographing module 222 is completed, the scan data is attached through the communication module 221 of the client device 220 to transmit the claim request to the mediation server 230 (S310). The mediating server 230, which receives the claim for the insurance claim, performs the authentication of the client device if necessary (S312).

After that, the client device 220 inquires about the insurance company to which it wants to connect (S314), and transmits the insurance claim request to the inquired insurance company server 210 (S316). The insurance company server 210 that has received the insurance claim request allocates the job to the insurance agent in charge, examines whether the insurance claim is valid, and processes the insurance claim (S318).

When the processing result of the insurance claim is determined, the result can be transmitted to the client device 220 through the intermediary server 230 (S320, S322).

As described above, according to the present embodiment, a traveler insurance processing system that can be operated on a mobile device and can be performed on-line, including subscription and insurance claims, can be provided.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

110: Insurer server
120: Client device
130: mediation server
140: Authentication server

Claims (1)

An insurance company server that provides traveler insurance products and receives and processes insurance related requests;
A client device for inquiring the traveler's insurance product;
An intermediary server connected to the insurance company server and the client device for intermediating predetermined data; And
And an authentication server for verifying the authority of the client device,
Wherein the client device transmits the personal identification information to the intermediary server, and the intermediary server accesses the authentication server using the personal identification information to inquire the authority of the client device.

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