KR20210045627A - The insurance subsription method using cross events between plural heterogeneous devices - Google Patents

Abstract

The present invention relates to an insurance subscription method using cross events between a plurality of heterogeneous devices to prevent incomplete insurance sales from occurring. According to the present invention, the insurance subscription method comprises: a step of starting an insurance subscription process by allowing an input means of an insurance subscriber, who is a user of a second device, to generate an insurance subscription process start event in a first device which is a tablet PC using an account of an insurance solicitor; a step of requesting an insurance company server requests to issue a first subscription identification number, allowing the insurance company server to transmit a URL with a validity time set to the second device, which is the subscriber's smartphone receiving information from the first device while issuing the first subscription identification number, and allowing the second device to access a mobile subscription page and execute a mobile subscription process by clicking the URL; a step of allowing the first device to write a second insurance subscription design document corresponding to changes when the changes occur in a main contract and special agreements and request the insurance company server to issue a second subscription identification number, which is a new subscription identification number different the first subscription identification number; and a step of allowing the insurance company server to discard the first subscription identification number, invalidate the previous mobile subscription process, and issue the second subscription identification number.

Description

Insurance subscription method through cross-event of multiple heterogeneous devices {THE INSURANCE SUBSRIPTION METHOD USING CROSS EVENTS BETWEEN PLURAL HETEROGENEOUS DEVICES}

The present invention relates to insurance subscription technology.

It is accomplished by meeting and agreeing to the insurance design content to be subscribed and filling out an application form. Traditional insurance contracts that were made offline are also being made online through the development of network systems and computer technologies. Most insurance agents today carry small electronic devices. Insurance subscriptions are made using electronic devices in their possession, which is the cause of "incomplete sales," which is always a problem in insurance companies.

The customer had to apply for insurance by looking at the insurance agent's device, not his device. As a result, there were cases in which the customer did not properly check the insurance details, that is, the explanation of the insurance main contract or special contract, and made an insurance subscription. In addition, various incomplete sales have occurred, such as when an insurance subscription is made without properly fulfilling the obligation to explain or notify, and when the customer does not sign the change even though a part of the insurance content has been modified or changed.

However, there is also a limit to mobile subscription, which executes all insurance subscription procedures with the customer's mobile phone. In the case of automobile insurance or travel insurance, the content of subscription is relatively simple because it is characterized by a relatively short period of coverage and low insurance premiums. Therefore, it is easy for the customer to understand the insurance contract, and the risk is not great for the insurance company. However, in the case of long-term insurance for the health and life of customers, it is very difficult for general customers to easily explore and understand the various combinations of coverage because it is composed of the main insurance contract and several optional special contracts. Therefore, there was a problem that such a long-term insurance product contract could not be completed with only a mobile subscription.

The inventor of the present invention has completed the present invention after trying to effectively solve the above problems.

Prior Patent Document: Korean Patent Application Publication No. 10-2012-0125748

An object of the present invention is to allow insurance company employees to comfortably design insurance and explain products while conducting cross-events using different types of devices, while at the same time allowing insurance subscribers to complete contracts on their own with their own initiative. It is to provide a way to effectively prevent the possibility of sales.

In addition, another object of the present invention is to provide an optimal method for responding to a contract content change event occurring during the completion of an insurance contract.

Meanwhile, other objects that are not specified of the present invention will be additionally considered within a range that can be easily deduced from the detailed description and effects thereof below.

In order to achieve the above object, the present invention provides an insurance subscription method through a cross event of a plurality of heterogeneous devices:

Initiating an insurance subscription process by generating an insurance subscription process initiation event by an insurance subscriber input means, which is a user of the following second device, on the first device, which is a tablet PC using an insurance agent account,

The first device accesses the insurance company server, writes a first insurance subscription design document corresponding to the subscription content, and then requests the insurance company server to issue a first subscription identification number,

The insurance company server issuing the first subscription identification number and transmits a URL for which an effective time is set to a second device, which is an insurance subscriber smartphone that received information from the first device,

The second device receives and clicks the URL to access the corresponding mobile subscription page, executes a mobile subscription process including identification of the user, confirms the subscription contents including the main contract and special agreement details, and then digitally signs the When the subscription document is transmitted to the insurance company server,

The insurance company server stores the subscription document after linking with the public power station, submits the subscription data to the third device, which is an insurance company processing device, and at the same time notifies the subscription completion to the first device,

The first device signs the contract completion approval and requests the third device to process the contract completion,

The third device includes the step of executing a contract completion process,

When a change occurs in the main contract and special contracts during the mobile subscription process being executed on the second device or before the third device completes the execution of the contract completion processing, the first device is the second device corresponding to the change. After completing the insurance subscription design document, request the insurance company server to issue a second subscription identification number, which is a new subscription identification number instead of the first subscription identification number,

The insurance company server discards the first subscription identification number, simultaneously invalidates the mobile subscription process, issues the second subscription identification number, and transmits a URL with an expiration time set to the second device. It characterized in that it further comprises the step of executing the mobile subscription process until the signature.

According to the present invention, on the one hand, there is an advantage in that the customer can make a subscription by checking the insurance product on the one hand, and on the other hand, there is an advantage of preventing incomplete sales by the insurance agent. Above all, the present invention has an excellent effect of implementing an accurate solution capable of preventing incomplete sales while responding to changes in the contract content occurring in the process of completing an insurance contract.

On the other hand, even if it is an effect not explicitly mentioned herein, it is added that the effect described in the following specification and its provisional effect expected by the technical features of the present invention are treated as described in the specification of the present invention.

1 is an illustration that impressively shows the problem consciousness of the present invention.
2 is a diagram showing a system configuration according to a preferred embodiment of the present invention.
FIG. 3 is a diagram schematically illustrating roles and relationships of three heterogeneous devices of the present invention.
4 is a diagram schematically showing the entire process according to a preferred embodiment of the present invention.
5 is a diagram illustrating a more detailed procedure of the mobile subscription process included in FIG. 4.
※ The accompanying drawings reveal that they are exemplified by reference for an understanding of the technical idea of the present invention, and the scope of the present invention is not limited thereto.

Hereinafter, a configuration of the present invention guided by various embodiments of the present invention and effects resulting from the configuration will be described with reference to the drawings. In describing the present invention, when it is determined that the subject matter of the present invention may be unnecessarily obscured as matters obvious to those skilled in the art with respect to known functions related to the present invention, a detailed description thereof will be omitted.

1 is an illustration that impressively expresses one of the problem consciousness of the present invention. Suppose the person on the left is the customer, and the person on the right is the insurance agent. The two people agreed on the insurance product and even sent a URL that can be subscribed to with a smartphone. But after a while, the customer calls the insurance agent and tells them that they will have to change the details of the contract, saying that it is not possible because the insurance money has been borne. The insurance agent met and said that he would have to explain it again, and the customer had an appointment and said that he would not be able to do so now.

The most common problems at the insurance subscription site are customer change of mind and incomplete sales. Even though the insurance agent and the customer meet, receive the insurance design, and proceed with the subscription, the customer can change their mind about the content of the main insurance contract or special contract before the insurance contract processing is completed in the insurance company system or during the subscription process. At this time, when the insurance agent cannot respond quickly to the change, the customer gives up the insurance policy often in the field. However, if you rush to complete the insurance subscription process on the pretext of a quick response, the insurance system becomes confused and becomes a factor of incomplete sales. The latter is a particular problem legally.

The present invention will present an optimal solution in the situation as shown in FIG. 1.

2 schematically shows a system configuration according to a preferred embodiment of the present invention. This system includes a variety of hardware/software equipment, but notice three different heterogeneous devices among them. First, there is a tablet PC that uses an insurance agent account. This is called "first device 10". Next, there is a smartphone of an insurance policyholder who writes a subscription document that is created based on the insurance contents designed by the insurance agent. Such a customer's smartphone is referred to as a "second device 20". There is also a processing device belonging to the insurance company system. In general, it refers to a manager computer of an insurance company branch, and this is referred to as "third device 130".

The insurance company server 100 is a service server that manages and processes the subscription system of the present invention, is composed of one or more server devices, and is also composed of one or more hardware/software equipment. In the insurance company system of the present invention, which processes insurance subscription and insurance contract completion, a number of sub-systems are organically connected. Among them, the main systems include a subscription/copy management system 120, an electronic document template system 121, an image system 122, an external system 123, a messaging system 124, and the like.

The subscription/copy management system 120 inquires and manages various documents related to insurance. In particular, a document stored in the image system 122 is inquired.

The electronic document template system 121 manages electronic document templates required for insurance subscription.

The image system 122 stores and manages documents related to insurance, including insurance subscriptions, in an image format.

The external system 123 processes a task in connection with the external station system 200.

The messaging system 124 communicates with the first device 10 and the second device 20 to notify the notification. In particular, in the present invention, the second device 20 provides a URL for accessing the insurance company server 100. It transmits to the second device 20.

Various databases 110 will be included in the subscription system of the present invention. Such databases include a database that stores and manages documents in storage, a database that stores information of insurance policy holders, a database that manages insurance agent information, a database that records logs, and a database related to billing processing.

Although not shown, various devices and software such as wired and wireless communication means, data processing means, and storage devices as well as equipment related to encryption and security may exist in the insurance company subscription system, but are not directly related to explaining the technical idea of the present invention. In addition, since it is apparent to those skilled in the art, detailed descriptions thereof will be omitted. In addition, various elements of the insurance company's subscription system each play a predetermined role, but from the point of view of the devices, all belong to the server side. Rather than referring to it, it will be collectively referred to as the insurance company server 100.

3 schematically shows the relationship between the three devices 10, 20, and 130 of the present invention.

There is no inevitable relationship that must communicate directly between these devices 10, 20, 130 because insurance subscriptions deal with security and property important information. Devices communicate with each other via the insurance company server 100. However, the exception is the touch event 12 performed on the screen of the first device 10. The insurance subscription process of the present invention is initiated only when the user of the second device 20, that is, the input means of the insurance subscriber, must perform the touch event 12 on the screen of the first device 10. Such input means include a finger or a touch pen in contact with the screen. The reason why this <Insurance Subscription Process Initiation Event> was constituted indispensable, on the one hand, was to prevent purchase of contracts by allowing the policyholder to directly obtain information and explanations on insurance products and design details through the first device screen. On the other hand, it is to allow the customer information to be input through the first device and to transmit the input customer information to the insurance company server 100.

In addition to the role of the first device 10 to transmit customer information from the insurance company server 100 by generating an insurance subscription process initiation event by the above-described input means of the insurance subscriber, the insurance company server 100 is received. An electronic document for insurance design is created and transmitted to the insurance company server 100 to request issuance of a subscription identification number.

The role of the second device 20 is to execute a mobile subscription process in a predetermined page by clicking on the mobile subscription URL received from the insurance company server (insurance company server system).

The role of the third device 130 is to review the insurance subscription data prepared and transmitted by the second device 20, check the initial premium payment method, and process insurance premium payment. The insurance contract is completed and the subscription procedure is terminated by the third device 130 paying the initial premium. When the third device 130 finds that there is a problem with the subscription data, the third device 130 transmits the fact to the insurance company server 100 according to a predetermined procedure, and the first device 10 is notified of the fact.

4 schematically shows the overall process of a method for subscribing insurance through a cross event of a plurality of heterogeneous devices according to an exemplary embodiment of the present invention. Based on the above description, we will look at the time series process once again.

First, an insurance subscription process start event is generated on the first device screen (S100). As described above, the insurance subscriber input means that is the second device user generates an insurance subscription process initiation event. If this step S100 is not executed, the technical idea of the present invention loses its meaning.

Next, the insurance agent accesses the insurance company server through his tablet PC, and creates a first insurance subscription design document corresponding to the subscription content (S110). At this time, the insurance agent explains the main coverage details and special contracts to the insurance subscriber through the tablet PC screen.

When the insurance subscriber agrees to the subscription design of the insurance agent, the first device requests the insurance company server to issue a first subscription identification number (S120).

Then, the insurance company server issues a first subscription identification number that specifies the subscription process that the second device proceeds, and transmits the URL with the valid time set to the second device, which is the insurance subscriber smartphone that received the information from the first device. (S130). This URL serves as a means for accessing the mobile subscription page matching the first subscription identification number.

Next, a mobile subscription process executed through the second device is started (S140). Details of this mobile subscription process will be described again below.

The completion of the mobile subscription process means that the insurance company server has received the subscription document written in the second device. The insurance company server stores the subscription document in connection with the public power station, processes the insurance contract, and notifies the fact to the first device (S150).

Then, the input means (including the finger touch) of the first device performs a contract completion approval signature through the tablet PC screen (S160). By completing the signature of such insurance agent, the first device notifies the subscription completion to the insurance company server. It's almost over now. Finally, the third device checks the subscription data and processes the initial premium payment (S170), thereby ending all subscription procedures.

However, as previously explained, various changes may occur until the insurance contract is completed and the subscription procedure is terminated. There may be a serious fault in the main contract and/or special agreement. In addition, the policyholder's change of mind may occur. The policyholder's change of mind leads to a change in the main contract and/or special agreement. In general, changes occur in steps S140 to S160 (S200). We have already looked at this situation through the illustration of FIG. 1. A fast, legally trouble-free, accurate process must continue.

Step S100 is not executed. If step S100 is executed, the insurance contract may be stranded unless the insurance agent and the insurance subscriber are together. This is because we have to meet again by making a promise. In addition, since the consent to use the customer information has already been obtained in step S100 and the server has the customer information, step S100 is not executed.

Changes are notified to the insurance planner. The insurance designer creates a second insurance subscription design document different from the first insurance subscription design document in step S110 using the second device (S210).

Next, the first device notifies that a new mobile subscription process will be started (S220). This is equivalent to requesting a new subscription identification number from the insurance company server.

Then, the insurance company server transmits the URL to the second device while issuing a second subscription identification number that specifies the subscription process to be performed again in the second device (S230). This URL serves as a means for accessing the mobile subscription page matching the second subscription identification number. In a preferred embodiment, the URL in step S130 may be invalidated and a new URL may be generated. In another preferred embodiment, if the validity period set in step S130 has not passed, the URL may be used as it is. However, in any embodiment, the subscription identification number is changed. Only in this way can the accident in which the insurance contract is wrong can be systematically prevented.

Then, by clicking the URL on the second device to access the mobile subscription page, a new mobile subscription process is executed again.

5 is a simplified diagram showing the configuration of a mobile subscription process according to a preferred embodiment of the present invention.

This mobile subscription process is performed through the mobile subscription page accessed by the second device, and is eventually performed step-by-step on the device screen of the customer (insurance subscriber).

First, click the URL received from the second device to access the mobile subscription page. Insurance product name, insurance agent information subscription guide, transferable bank information, expiration date, etc. can be displayed on the screen. Then, the mobile subscription is initiated by pressing the mobile subscription start button (S141).

Then, the user authentication is executed (S142). Various authentication methods can be applied. There are mobile phone authentication, public certificate use, biometric authentication, and Kakao Pay.

After the identity verification is successful, the contents of the subscription made based on the document prepared by the first device are checked (S143). Check the details of the main contract (subscription details, monthly insurance premium) and special contract details, and check the information of the contractor and the insured.

Next, the notification obligations are checked and checked (S144). For example, checks and inputs matters to be notified by the insured, such as illness, disability, and family history within 5 years. The consent required for payment of insurance premiums and direct debit will also be included.

Insurance subscribers are obligated to notify them. When the insurance contract proceeds, information such as the customer's disease history must be provided to the insurance company. However, if the insurance company is not informed or falsely notified, it may not be covered, so the parties to the insurance contract must fulfill the obligation to notify.

Next, an electronic signature is performed (S145). Write the name of the policy holder and write the signature. It is also possible to perform correction input and/or check input. Of course, methods such as biometric authentication, mobile phone authentication, and public authentication can be used together or substituted.

Finally, after confirming the subscription form, select/input payment information (S146).

Then, a message "Your subscription process is complete" appears on the screen, and the mobile subscription is terminated by pressing the insurance subscription subscription completion button. Step S150 of FIG. 4 will follow.

On the other hand, in the present invention, a response when a change occurs is included. As described above, the mobile subscription process must be executed again. In a preferred embodiment of the present invention, a message indicating that re-use is possible may be displayed on the screen of step S144 so that the mobile subscription process proceeds quickly when there is a history of writing within the validity period of the received URL. There is an advantage that the second device user can proceed with the mobile subscription process more quickly by clicking the reuse button.

For reference, the insurance subscription method through a cross event of a plurality of heterogeneous devices according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in computer software.

Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magnetic-optical media such as floptical disks, and ROM, RAM, A hardware device specially configured to store and execute program instructions such as flash memory or the like may be included. Examples of program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The above-described hardware device may be configured to operate as one or more software modules to perform the operation of the present invention, and vice versa.

The scope of protection of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is added once again that the scope of protection of the present invention may not be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

Claims (1)

Initiating an insurance subscription process by generating an insurance subscription process initiation event by an insurance subscriber input means, which is a user of the following second device, on the first device, which is a tablet PC using an insurance agent account,
The first device connects to the insurance company server, writes a first insurance subscription design document corresponding to the subscription content, and then requests the insurance company server to issue a first subscription identification number,
The insurance company server issuing the first subscription identification number and transmits a URL for which an effective time is set to a second device, which is an insurance subscriber smartphone that received information from the first device,
The second device receives and clicks the URL to access the corresponding mobile subscription page, executes a mobile subscription process including identification of the user, confirms the subscription contents including the main contract and special agreement details, and then digitally signs the request. When the subscription document is transmitted to the insurance company server,
The insurance company server stores the subscription document after linking it with the public power station, submits the subscription data to the third device, which is an insurance company processing device, and at the same time notifies the subscription completion to the first device,
The first device signs the contract completion approval and requests the third device to process the contract completion,
The third device includes the step of executing a contract completion process,
When a change occurs in the main contract and special contracts during the mobile subscription process being executed on the second device or before the third device completes the execution of the contract completion processing, the first device is the second device corresponding to the change. After completing the insurance subscription design document, request the insurance company server to issue a second subscription identification number, which is a new subscription identification number instead of the first subscription identification number,
The insurance company server discards the first subscription identification number and simultaneously terminates the mobile subscription process, issues the second subscription identification number, and transmits a URL with an expiration time set to the second device. The method further comprising the step of executing a mobile subscription process until signature, through a cross event of a plurality of heterogeneous devices.

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