KR20230000301A - Insurance premium discount system for a senior driver - Google Patents

Abstract

Disclosed is an insurance premium discount system for a senior driver. The insurance premium discount system for a senior driver comprises: an insurance company server which includes a web server and a database, displays insurance products, provides insurance terms and insurance contracts, offers insurance premium discounts at a predetermined rate to senior drivers aged 60 and above who have enrolled in automobile insurance, stores information on a senior driver, photographs of a resident registration card and a driver's license of the senior driver, stores and manages online/offline insurance contracts, periodically receives uploaded photographs showing senior driver markings attached to a vehicle on a monthly basis, and calculates insurance application rates based on the type of vehicle to manage the monthly vehicle insurance premium discount applied for senior drivers to manage automobile insurance information including subscriber information, vehicle information, insurance subscription details, and accident handling details; and a user terminal on which an insurance application is installed and which is connected to the insurance company server via wired or wireless communication networks. Since senior drivers aged 65 and above who are enrolled in vehicle insurance may have a higher likelihood of traffic accidents due to frailty, dementia, strokes, and illnesses, the insurance company server of the insurance premium discount system provides insurance premium discount conditions for senior drivers in the insurance terms and the vehicle insurance contracts of vehicle insurance taken by drivers aged 65 and above, and when a senior driver aged 65 and above enters into a car insurance contract, offers a predetermined rate of insurance premium discount if the senior driver attaches a marking indicating "senior driving" on the rear window of a vehicle.

Description

Insurance premium discount system for a senior driver}

The present invention relates to an automobile insurance premium discount system for elderly drivers, and more particularly, since there is a possibility of a traffic accident due to mental weakness, dementia, stroke, or disease in an elderly driver (senior driver) aged 65 or older who has subscribed to automobile insurance, Insurance companies provide discount conditions for insurance premiums for elderly drivers in the insurance terms and conditions of auto insurance contracts signed by drivers aged 65 or older, and iv) Senior driving on the rear window of a car when signing an automobile insurance contract for elderly drivers aged 65 or older The present invention relates to an automobile insurance premium discount system for an elderly driver that provides a discount of a certain rate of automobile insurance premium when an (aged driving) sign is attached.

Insurance products include public insurance such as medical insurance, export insurance, industrial accident compensation insurance, and non-life insurance, personal insurance, life insurance, marine insurance, etc. classified as private insurance.

Property insurance is insurance in which the insurer agrees to compensate for damages caused by an accident, and the policyholder agrees to pay premiums in preparation for this.

Life insurance collects premiums from insurance subscribers for three major diseases: cancer, brain disease, and heart disease (acute myocardial infarction).

For auto insurance, insurance premiums are quoted through insurance consultation/inquiry through insurance company employees/insurance planners, and monthly premiums are calculated during the contract period. have to pay

As prior art 1 related to this, Patent Publication No. 10-2002-0031726 discloses a "system for managing car insurance on the Internet".

A system for managing car insurance on the Internet

An insurance client that connects to a specific server that manages car insurance premiums on the web through the Internet, sets basic data of the customer, and sets insurance details data and insurance claim rate data for the car insurance to be contracted; and

It includes an insurance management device for managing auto insurance, and includes an insurance management server that processes data on subscription/modification of auto insurance requested by the insurance client and calculates an insurance premium according to the type of vehicle.

As prior art 2 related to this, Patent Registration No. 10-0460319 discloses "Auto Insurance Premium Calculation and Vehicle Operation Management System". It automatically calculates the driver's car insurance premium or provides necessary vehicle driving record information to the driver.

1 is a block diagram of a conventional automobile insurance premium calculation and vehicle operation management system.

The vehicle 110 is equipped with a vehicle diagnostic unit 111 and a Global Positioning System (GPS) 112. The vehicle diagnostic means 111 detects the driving state of the vehicle and the presence or absence (defect) of the vehicle in real time by mounting a plurality of sensors on each driving part of the vehicle, displays it in a specific code, and displays about 800 vehicle diagnostic information. is detected, and only dozens of representative information actually needed in the vehicle are processed and displayed for the driver to recognize.

For example, the battery state is checked before starting the vehicle, and the current vehicle state and failure state are diagnosed when the vehicle is started. In addition, while driving, the vehicle speed is monitored to check sudden acceleration, sudden stop, overspeed, and the like.

The GPS 112 is connected to the vehicle diagnosis unit 111 and transmits the vehicle diagnosis information detected by the vehicle diagnosis unit 111 to the central computer management system 200 through satellite communication.

The central computer management system 200 builds a vehicle-related portal IT system (vehicle management data/volume-based insurance-related data), and vehicle diagnostic information transmitted from the GPS 112 or call center 400 of the vehicle 110, Vehicle maintenance information transmitted from the GPS 512 of the vehicle maintenance system 500 described later is analyzed to calculate the driver's vehicle insurance premium, and this information is transmitted to the vehicle insurance company 300.

In the automobile insurance company 300, its own server and the central computerized management system 200 are connected through an Internet communication network, and customer management is performed through the driver's automobile insurance premium information transmitted from the central computerized management system 200, Insurance premiums are charged according to the risk the vehicle driver is exposed to.

The call center 400 receives a call from the driver 120 of the vehicle 110 that is not equipped with the GPS 112, and transmits vehicle diagnosis information of the vehicle 110 to the central computer management system 200. When vehicle maintenance is required, the vehicle maintenance system 500 is contacted to enable vehicle maintenance, and at the request of the driver 120, legal advice on insurance processing provides a lawyer and a service to guide damage adjustment if necessary. to provide.

The vehicle maintenance system 500 is divided into a mobile light maintenance system 510 and a fixed maintenance system 530. The mobile light maintenance system 510 is a truck-type light maintenance vehicle 511 loaded with all kinds of light maintenance equipment, and a person with maintenance experience rides in the light maintenance vehicle 511, and a GPS 512 capable of tracking the location of the vehicle. ), and a PC 513 connected to the GPS 512 to transmit maintenance information about the vehicle to the central computer management system 200, and information of the driver's card 130 connected to the PC 513 A card reader 514 that reads and a receipt issuer 515 that is connected to the card reader 514 and issues a receipt according to driver's card 130 payment are mounted.

In addition, the mobile light maintenance system 510 is managed by a marketing agent 520. The marketing agent 520 classifies customers in the area in charge and smoothly arranges and operates the light maintenance vehicle 511, records vehicle maintenance, and insurance. will oversee management.

The fixed maintenance system 530 is an existing maintenance company (eg, a first-class service center) 531, and the maintenance company 531 includes an emergency dispatch system, and maintenance information about the vehicle is stored in the central computerized management system ( 200), a PC 532 connected to the PC 532 and a card reader 533 connected to the driver's card 130 to read information, and a driver's card connected to the card reader 533 ( 130) A receipt issuing machine 534 issuing a receipt according to payment is included.

As a prior art 3 related to this, Patent Registration No. 10-1759341 discloses "Vehicle Insurance Management System and Method Using Vehicle Driving Information", in order to manage vehicle insurance in conjunction with a vehicle information collection device mounted on a vehicle. , The vehicle information collection device is initialized to collect vehicle operation information including data corresponding to the type of insurance subscribed to by the user of the vehicle. Then, based on the vehicle driving information collected from the vehicle information collecting device, a safe driving index or an eco-friendly driving index is calculated according to the type of insurance subscribed to by the user, and based on the calculated safe driving index or eco-friendly driving index, the user subscribes to the index. manage your insurance

As a condition of the existing auto insurance premium discount special contract, insurance companies apply for auto insurance contracts. % DC), (2) Special contract for advanced safety devices - When advanced safety devices such as sudden stop detection device, lane departure prevention device, or forward collision prevention device are installed in a car of a senior driver aged 65 or older, a certain rate discount on insurance premiums ( 3% DC), (3) Child discount special contract - An insurance premium discount (3% DC) was provided to elderly drivers aged 65 or older who subscribed to auto insurance with multiple children under a certain age (17 years old) specified in the insurance policy. .

However, as the aging population is rapidly increasing, the number of accidents while driving by the elderly is increasing, and incentives to protect the elderly or induce careful driving are needed. Aging drivers have reduced immunity and resilience due to aging, and there is a possibility of traffic accidents due to mental and physical weakness, dementia, and diseases due to exposure to diseases.

Therefore, when the elderly driver (senior driver) signs an insurance contract, it is necessary to discount the automobile insurance premium when the senior driver (old driver) is attached to the rear glass of the vehicle.

Patent Publication No. 10-2002-0031726 (published on May 03, 2002), "System for managing car insurance on the Internet", Innsok Insurance Brokers Co., Ltd. Patent Registration No. 10-0460319 (Registration Date: November 26, 2004), "Car Insurance Premium Calculation and Vehicle Operation Management System", Kim Ki-won Patent registration number 10-1759341 (registration date: July 12, 2017), "Vehicle insurance management system using vehicle operation information and its method", Korea Electronics and Telecommunications Research Institute

An object of the present invention for solving the above problems is that an elderly driver aged 65 years or older who has subscribed to automobile insurance has a possibility of a traffic accident due to mental and physical weakness, dementia, stroke, or disease, so an insurance company subscribes to an elderly driver aged 65 years or older ⅳ) When signing an auto insurance contract for a senior driver aged 65 or older, the senior driving (old driving) sign is attached to the car insurance premium. Provides a discount system for automobile insurance premiums for elderly drivers, which provides discounts on insurance premiums at a fixed rate of.

In order to achieve the object of the present invention, an automobile insurance premium discount system for elderly drivers includes a web server and a database, displays insurance products, provides insurance terms and conditions and insurance contracts, and provides aged drivers aged 60 or older who have subscribed to automobile insurance. Provide insurance premium discounts to (senior drivers) at a certain rate, save elderly driver information, resident registration card and car driver's license photo, store and manage online/offline insurance contracts, upload photos of senior drivers of cars periodically, and An insurance company server that manages monthly subscriber automobile insurance premiums with discounts applied to insurance premiums for elderly drivers by calculating insurance coverage rates according to, and manages automobile insurance information including subscriber information, automobile information, insurance subscription information, and accident handling information; and a user terminal connected to the insurance company server through a wired/wireless communication network and having an insurance App installed thereon.

In the automobile insurance premium discount system for elderly drivers according to the present invention, there is a possibility of a traffic accident occurring due to mental and physical weakness, dementia, stroke, or disease in an elderly driver aged 65 years or older who has subscribed to auto insurance, so the insurance company subscribes the aged driver aged 65 years or older ⅳ) When signing an auto insurance contract for a senior driver aged 65 or older, the senior driving (old driving) sign is attached to the car insurance premium. There is an effect of providing a discount on insurance premiums at a certain rate of

Drivers of the vehicle see the vehicle with the senior driving indication, like the novice driving indication vehicle, and drive relatively safely while driving, reducing the occurrence of traffic accidents.

1 is a block diagram of a conventional automobile insurance premium calculation and vehicle operation management system.
2 is a block diagram of an automobile insurance premium discount system for elderly drivers according to the present invention.
3 is an internal configuration diagram of an insurance company server that provides a special contract for elderly driver discount.

Hereinafter, the configuration and operation of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings. In the description of the present invention, if it is determined that a detailed description of a related known function or known configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, the attached drawing numbers refer to the same drawing numbers in other drawings when indicating the same configuration.

Elderly driving car insurance premium discount system is a possibility of a traffic accident due to mental and physical weakness, dementia, stroke, or disease for senior drivers aged 65 or older who have subscribed to car insurance, so insurance companies subscribe to aged drivers aged 65 or older ⅳ) In the case of an automobile insurance contract for a senior driver aged 65 or older, an insurance company attaches a sign for senior driving (aged driving) to the rear window of the car. A discount (3% DC) is provided on the car insurance premium by checking the senior driving (old driving) display attached photo uploaded to the server and the vehicle registration card/resident registration card.

In the auto insurance contract of the aged driver, the insurance company may define the aged driver as an aged driver aged 60 or older, a aged driver aged 63 years or older, or a aged driver aged 65 years or older.

When an elderly driver makes a car insurance contract for a single person or couple, inputs the resident registration number of the spouse of the user terminal connected to the insurance company server and authenticates the real name with his/her mobile communication terminal, and inputs it to the insurance company server Upload your resident registration card and car driver's license through the senior driver's attached photo attached to the rear windshield of the car and the old driver information to confirm the age of the old driver, and if the age is over 60 years old / 63 years old / 65 years old old driver's car Approve insurance coverage.

2 is a block diagram of an automobile insurance premium discount system for elderly drivers according to the present invention.

The elderly driver's car insurance premium discount system

Equipped with a web server and database, displays insurance products, provides insurance terms and conditions, and provides insurance contracts at a certain rate to senior drivers aged 60 or older/63 years old/or 65 years old or older who have signed up for auto insurance Insurance contracts are created with insurance premium discount conditions, elderly driver information, resident registration card and car driver's license photos are stored, online/offline insurance contracts are stored and managed, and senior driver's photos are uploaded periodically on a monthly basis. An insurance company server 100 that calculates insurance coverage rates and manages monthly subscriber auto insurance premiums to which insurance premium discounts for elderly drivers are applied, and auto insurance information including subscriber information, vehicle information, insurance subscription information, and accident handling information; and

It is connected to the insurance company server 100 through wired/wireless communication networks, the insurance terms and online insurance contracts of auto insurance subscribers are output, and the online insurance contract is created through personal certificate authentication or mobile phone authentication in conjunction with the authentication server 200. insurance contract is made, and online insurance contract information is stored in the insurance company server 100, car insurance contract is saved as a pdf file, and an insurance app displaying monthly car insurance premiums is installed. Includes user terminals (300, 310) do.

The user terminal uses any one of the PC 300, a smart phone or a tablet PC 310 in which the insurance App is installed.

Subscriber information includes subscriber name, resident registration number, home address, phone number, mobile phone number, and e-mail address information.

Vehicle information includes vehicle registration number, vehicle registration date, vehicle type, vehicle name, specifications (length, height, gross weight, displacement, rated power, maximum load capacity, number of cylinders, number of passengers), vehicle registration plate information, and owner information. (name, resident registration number, address), mortgage registration information (mortgage establishment/cancellation classification, mortgage establishment/cancellation date), vehicle inspection history information.

Insurance subscription information includes subscriber's name, resident registration number, address, phone number, mobile phone number, e-mail, insurance company name, type of insurance, subscribed insurance, insurance contract period, premium discount information, premium discount special terms for elderly drivers, monthly premium includes

The insurance company server 100 transfers the premium discount conditions and insurance contract period of the elderly driver to the insurance terms and conditions of the automobile insurance that the elderly driver aged 65 or older subscribes to and the automobile insurance contract to the online insurance contract and the offline insurance contract. Provides, and the insurance premium discount condition for the elderly driver is iv) When a senior driver aged 65 or older signs a car insurance contract, a premium discount is provided at a certain rate of the monthly insurance premium when the senior driving (old driving) sign is attached to the rear window of the vehicle, ,

Existing insurance companies, i) When a black box is installed in a car, a certain rate of insurance premium is discounted from the monthly insurance premium, ii) When a car is equipped with advanced safety devices including a sudden stop detection device, lane departure prevention device, or forward collision prevention device Discounts on premiums paid at a fixed rate for monthly premiums, iii) discounts on premiums for multiple children under a certain age - discounts on premiums paid at a fixed rate on monthly premiums are applied as well.

The insurance company server 100 stores and manages an online insurance contract or an offline contract to which an insurance premium discount for an elderly driver is applied, created using a user terminal such as a PC, smart phone/tablet PC, or the like.

In addition, the elderly driver's automobile insurance premium discount system is connected to the insurance company server and authenticates an automobile insurance contract specifying insurance premium discount conditions for an elderly driver aged 60 years or older/63 years old/65 years old or older ( 200) is further included.

The insurance company server 100 of the insurance company specifies in the insurance terms and conditions of automobile insurance and automobile insurance contract for senior drivers aged 60 years or older/63 years old/65 years old or older iv) aged driver information, resident registration card and automobile A driver's license photo and a photo of the senior driver (aged driving) sign attached to the rear window of the vehicle when signing an automobile insurance contract are checked to provide a discount on automobile insurance premiums for the elderly driver.

The elderly driver needs to transmit a picture of senior driving (old driving) attached to the back of the car set for insurance premium discount conditions periodically from the user terminals 300 and 310 to the insurance company server 100 on a monthly basis, and when necessary, such as an insurance contract/accident, insurance According to the company's request, the vehicle driver's license and resident registration card photos must be transmitted to the insurance company server (100).

The insurance company discounts the insurance premium at a certain rate (3% DC ) to charge a monthly premium.

For example, you need to check whether you can take an extended special contract for a single accident and whether the payment amount is 100%, and for vehicle damage/vehicle injury and traffic accident emergency dispatch service, select a towing distance of 50 km or more as a basic type. In addition, according to the auto insurance subscription terms and conditions, when setting up a car accident, an injury can be contracted for 50 million won and a death for 100 million won.

3 is an internal configuration diagram of an insurance company server that provides a special contract for elderly driver discount.

The insurance company server 100

a web server connected to the user terminals 300 and 310 through a wired or wireless communication network;

a control unit connected to the web server;

a member management unit connected to the control unit, receiving insurance-related member information registration and providing ID and Passwd user authentication;

an insurance information providing unit connected to the control unit and providing various insurance information including automobile insurance, property damage insurance, and life insurance;

an insurance policy/insurance contract management unit that is connected to the control unit, interworks with the authentication server, and stores and manages various insurance policies and insurance contracts including automobile insurance;

Connected to the control unit, for discounts on car insurance premiums for elderly drivers aged 65 or older, periodically iv) Senior driver information, resident registration card, driver's license photo, and senior driving (elderly driving) sign attached to the rear window of the elderly driver's car An insurance premium discount management unit that receives a photo registration and discounts a monthly premium of the corresponding automobile insurance subscriber at a predetermined rate;

an insurance subscriber information and insurance premium payment management unit that is connected to the control unit and manages insurance subscriber information and monthly insurance premium payment information;

It is connected to the control unit, and includes an accident processing unit that records accident information, repairs the vehicle, and pays and manages the insurance money when the insurance subscriber's vehicle is damaged or in a traffic accident.

The elderly driver's car insurance premium discount system includes one or more of a chat server, a chatbot server, or a VoIP server system for voice calls, which are selectively provided as needed to provide chatting, chatbot, and VoIP voice call services for insurance consultation/inquiry. Servers can be provided.

The insurance company server 100 further includes an insurance consultation/inquiry unit providing a chatting, chatbot, and VoIP voice call service for insurance consultation/inquiry,

A chatting server for transmitting/receiving chatting data for insurance consultation/inquiry is further included.

The insurance company server 100 further includes a text chatbot server that transmits and receives automatic question/response data of a FAQ question and answer method having standardized phrases related to insurance counseling for insurance counseling/inquiry through the insurance counseling/inquiry unit. .

The insurance company server 100 further includes a VoIP server system that provides a VoIP voice call using a client program installed in a user terminal with an automobile insurance subscriber through the insurance consultation/inquiry unit.

The VoIP server system provides H.323 protocol or SIP protocol-based VoIP (Voice over IP) voice calls for voice calls between insurance company employees/insurance planners and auto insurance subscribers.

The VoIP server system includes a registrar, a proxy server, and a redirect server when a VoIP protocol based on SIP (Session Initiation Protocol) is used, and a user terminal installs a VoIP UAC (User Agent Client) capable of web download.

- A chat server that transmits and receives chat data for insurance consultation/inquiry;

- Text chatbot server optionally provided for insurance consultation/inquiry: Automatic Q&A in the form of FAQ Q&A with standardized phrases related to insurance consultation

- VoIP voice calls between insurance company employees/insurance agents and auto insurance policyholders

The elderly driver's automobile insurance premium discount system is a possibility of a traffic accident due to mental and physical weakness, dementia, stroke, or disease of an elderly driver aged 65 or older who has subscribed to automobile insurance. Premium discount conditions for elderly drivers are provided in the insurance terms and automobile insurance contracts, and iv) When a senior driver over 65 years of age signs an automobile insurance contract, a certain rate of automobile insurance premium is paid when the senior driving (old driving) sign is attached to the rear window of the car Offer a discount.

Drivers of the vehicle see the vehicle with the senior driving indication, like the novice driving indication vehicle, and drive relatively safely while driving, reducing the occurrence of traffic accidents.

Embodiments according to 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 recording medium. The computer readable recording medium may include program instructions, data files, and data structures alone or in combination. Computer-readable recording media include storage, hard disks, magnetic media such as floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - A hardware device configured to store and execute program instructions in storage media such as magneto-optical media, ROM, RAM, flash memory, etc. may be included. Examples of program instructions may include those produced by compilers and machine language codes as well as high-level language codes that can be executed by a computer using an interpreter. The hardware device may be configured to operate as one or more software modules to perform the operations of the present invention.

As described above, the method of the present invention is implemented as a program and can be read using computer software on a recording medium (CD-ROM, RAM, ROM, memory card, hard disk, magneto-optical disk, storage device, etc.) ) can be stored in

Although described with reference to specific embodiments of the present invention, the present invention is not limited to the same configuration and operation as the specific embodiments to illustrate the technical idea as described above, and within the limit that does not deviate from the technical spirit and scope of the present invention It can be implemented with various modifications, and the scope of the present invention should be determined by the claims described later.

100: insurance company server 200: authentication server
300: PC 310: Smartphone, tablet PC

Claims (8)

Equipped with a web server and database, displays insurance products, provides insurance terms and conditions and insurance contracts, provides premium discounts at a certain rate to senior drivers aged 60 or older who have signed up for auto insurance, and provides information on senior drivers and resident registration card and car driver's license photo, online/offline insurance contract storage management, monthly upload of senior driver's attached photo, insurance application rate calculated according to vehicle type, and insurance premium discount for elderly drivers applied monthly subscriber An insurance company server that manages automobile insurance information including automobile insurance premium management, subscriber information, automobile information, insurance subscription information, and accident handling information; and
An elderly driver's car insurance premium discount system comprising a user terminal connected to the insurance company server through a wired/wireless communication network and having an insurance App installed thereon. According to claim 1,
The user terminal uses any one of a PC, a smartphone or a tablet PC with an insurance App installed, the elderly driving car insurance premium discount system. According to claim 1,
The insurance company server
In the insurance terms and conditions of automobile insurance for elderly drivers aged 60 or older and automobile insurance contracts, the insurance premium discount conditions and insurance contract period for elderly drivers are specified.
The insurance premium discount condition for the elderly driver is iv) An elderly driver who is 65 years of age or older is provided with a premium discount at a certain rate of the monthly insurance premium when the senior driving (aged driving) sign is attached to the rear window of the vehicle when signing an automobile insurance contract. Insurance discount system. According to claim 1,
and an authentication server that is connected to the insurance company server and authenticates an auto insurance contract in which insurance premium discount conditions of the auto insurance subscribed to by the elderly driver are specified.
According to claim 4,
The insurance company server
A web server connected to the user terminal through a wired or wireless communication network;
a control unit connected to the web server;
a member management unit connected to the control unit, receiving insurance-related member information registration and providing ID and Passwd user authentication;
an insurance information providing unit connected to the control unit and providing various insurance information including automobile insurance, property damage insurance, and life insurance;
an insurance policy/insurance contract management unit that is connected to the control unit, interworks with the authentication server, and stores and manages various insurance policies and insurance contracts including automobile insurance;
Connected to the control unit, for discounts on car insurance premiums for elderly drivers aged 65 or older, periodically iv) Senior driver information, resident registration card, driver's license photo, and senior driving (elderly driving) sign attached to the rear window of the elderly driver's car An insurance premium discount management unit that receives a photo registration and discounts a monthly premium of the corresponding automobile insurance subscriber at a predetermined rate;
an insurance subscriber information and insurance premium payment management unit that is connected to the control unit and manages insurance subscriber information and monthly insurance premium payment information;
an accident processing unit that is connected to the control unit and records accident information when an insurance subscriber's vehicle is damaged or has a traffic accident, repairs the vehicle, and pays and manages the corresponding insurance money;
Aged driving car insurance premium discount system that includes. According to claim 5,
The insurance company server further includes an insurance consultation / inquiry unit,
An elderly driver's car insurance premium discount system further comprising a chatting server that transmits and receives chatting data for insurance consultation/inquiry. According to claim 6,
The insurance company server further includes a text chatbot server that transmits and receives automatic question/answer data in a FAQ question and answer method having standardized phrases related to insurance counseling for insurance counseling/inquiry through the insurance counseling/inquiry unit. Insurance discount system. According to claim 6,
The insurance company server further includes a VoIP server system that provides a VoIP voice call using a VoIP program installed in a user terminal with an auto insurance subscriber through the insurance consultation/inquiry unit.

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