KR100358537B1 - Method for relaying insurance information and corresponding trade-status over a network, and system therefor - Google Patents

Abstract

The present invention relates to an insurance relay system and method on a network, wherein an insurance relay system on a network allows an insurance consumer to access insurance product information (in the form of an insurance plan) directly from various insurance companies, And an insurance relay server for providing an environment in which a direct contract between the insurance company and the insurance consumer having the selected insurance product can be achieved.

According to the present invention, by enabling electronic direct transactions between insurance consumers and various insurance companies on a site accessible via a network, insurance companies reduce business expenses, and insurance buyers are among the most affordable and serviceable You can choose a good one and save time and effort in finding the right insurance.

Description

[0001] The present invention relates to a method and system for relaying insurance on a network,

The present invention relates to an insurance trading system on a network, and more particularly, to an insurance company and an insurance consumer wishing insurance transactions on a network, by simultaneously or sequentially providing information of a counterparty required for an insurance transaction, And to provide an insurance relaying method and system on a network that enables the insurance company to come to an insurance contract after comparing and judging.

Conventional insurance subscription methods are mainly used in three ways. First, buyers who want to buy insurance in the real space (off-line state) are informed about insurance product type, contents and insurance premium through insurance directors, insurance planners, insurance brokers, This method involves the inconveniences of the insurance company and the expenditure of excessive business expenses, and the insured person is provided only with compulsory and limited insurance information so that the insurance products, prices and services of other insurance companies In the case of an insurance contract made by a visit to an insurance agent or an insurance planner, there may be a problem in the reliability of the insurance contract itself due to the difference in their ability to compare insurance information and insurance commodity. Other methods of purchasing and contracting insurance are that the buyer can go to each insurance company's sales site established on the network such as the Internet, Although insurance companies have the advantage of reducing operating costs, insurance buyers are not able to compare the insurance products of individual insurance companies at once, so it is inconvenient to visit each insurance company site, and when visiting each site Whenever you ask for information that is right for you, you must also take the inconvenience of repeatedly entering your personal information. Finally, as a more advanced method than these two methods, in the case of auto insurance products, the contents of the products are the same for each insurance company, so that the prices (insurance premiums) There is a way to make an insurance transaction through an intermediary site on the established network. At present, the operators of the Internet sites that sign insurance contracts in this way are all persons who are the agents of insurance sales and brokering, all of whom have acquired sales and brokerage rights for insurance under the Insurance Business Act, and may be transferred to one insurance company, You may have a contract with the company to handle all of them. The reason they operate insurance sales and brokerage sites on the Internet is that they introduce insurance products to consumers visiting the site and present insurance premiums (compare the insurance premiums of one or more insurance companies) It is intended to mediate between a specific insurance company and intermediary, to receive a consultation commission or brokerage fee negotiated from the insurance company. The insurance premiums offered by these insurance companies are comparable within the scope of the individual insurance agreements with these insurance companies and the premiums set for these sales organizations (including the high commission fees and the related business expenses) In this way, it is not possible for them to freely and actively and flexibly price and present themselves within the site, beyond the passive premium fixed by the insurance company. As a result, consumers who make insurance contracts through these sites will be charged premiums that include recruitment or brokerage fees between insurance companies and their agents or brokerage sites. The result is that they pay more or less unnecessary premiums. In order to solve these problems, insurance premiums should be presented in the form of bubbles of consumer recruitment or brokerage commission mediated by non-business entities.

Currently, there are sites that compare the insurance premiums of various insurance companies on the website according to the needs of the consumers (they treat only the auto insurance which is easy to compare because the contents of the insurance product and the insurance premium calculation are the same) The prices displayed on insurance companies are not offered directly by insurance companies, but because the site operators compare the insurance premiums of various insurance companies according to the methods they have created, And the possibility of making the composition or contents of the company's insurance products on the web page seem to be cleverly improved can not be ruled out. Therefore, it is difficult for the site operator of It may not meet the consumer's desire to compare objective premiums without intrusive intervention. In order to solve these problems, the insurance companies must adopt the function of presenting the intended premium directly on the network.

Information on insurance products offered by conventional insurance brokerage sites is not transmitted directly from insurance companies' servers in real time, but is created by the intermediary site operator based on the contents of the agreement with the first insurance company. The information on one insurance company may be different from site to site, and since the insurance premium that is likely to change every moment is not updated in real time, Information may be inaccurate and may cause consumer confusion.

Therefore, domestic insurance company servers are connected with the insurance development center (www.kedi.or.kr) server which develops and distributes insurance calculation data and statistical data, and uses the most reliable latest update information, It would be desirable to have an insurance trading system that involves direct transactions between the server and the consumer.

As mentioned above, insurance policy (insurance premium) and contents of insurance services are not provided directly from insurance companies 'servers, but insurance transactions through information indirectly presented by indirect sales organizations or intermediary organizations' It is not possible to shake off the problem of inaccuracy of product information and mistrust of site operator's manipulation possibility of information.

The Financial Supervisory Service (FSS) recently announced that it would promote full liberalization of premium prices in order to protect consumers and self-competition among insurance companies in terms of insurance premiums and services, and to use software and hardware aspects such as electronic signatures , It is time for new insurance transaction method to be necessary for domestic insurance business in order to secure competitiveness with foreign companies having advanced business methods. Accordingly, it is possible to say that the insurance direct transaction system on the network operated by the insurance non-business entity (in particular, the Internet) is requested in order to minimize the economic burden of the insurance consumer and reduce the business cost of the insurance company.

The technical problem to be solved by the present invention is to provide insurance design information directly through a network including a main server of a plurality of insurance company headquarters and to allow insurance consumers to select insurance companies or insurance products by comparing these information at the same time Function, and it is possible to contract directly with the insurance company and the consumer without going through the sales organization receiving the recruitment or disclosure fee, and to provide insurance relay method on the network that enables the insurance company and the consumer to understand the transaction details in real time System.

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

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

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

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

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

FIG. 5B is a site map that is displayed to registered customers in FIG. 5A.

FIG. 6 is a table summarizing the effects of the above-described relaying method on the users.

In order to solve the above problems, the insurance relay system on the network is designed to allow an insurance consumer to access insurance product information (in the form of an insurance plan) directly from a plurality of insurance companies, And an insurance relay server that provides an environment in which a direct contract between the company and the insurance consumer can be made.

It is preferable that the insurance relay server provides a real-time transit status sheet showing an insurance transit site so that an insurance consumer or an insurance company accessing the site can know in real time about the state of insurance transactions performed on the current site.

The real-time transit status board includes insurance premiums and service contents for insurance products of all insurance companies for the insurance type selected by the insurance consumer individual when the insurance consumer who is currently accessing the site correctly inputs the ID and password and logs in , The name of the insurance consumer who has been provided with the predetermined insurance product information until the contract is concluded by accessing the insurance relay server, And the number of insurance companies that provide insurance products corresponding to the type of insurance, etc. are displayed in real time at a time.

The insurance relay server includes a display type or an intermediary type according to the insurance type, a comparative type that displays products that are comparable among insurance companies, a display / list type that displays and displays similar items without a comparison standard at a time, It is desirable to display the insurance product information by dividing it into customized displays that display the products tailored to the consumer's requirements.

In order to solve the above problem, an insurance relay method on a network using a site relaying insurance product information between an insurance consumer and an insurance company on a network includes: a first step of an insurance consumer visiting the site; The insurance consumer is a comparative type that displays products that are comparable among insurance companies at the site, an exhibition / list type that displays similar products without a comparison standard at a time and displays them, and a customized A second step of selecting portions divided from each other; A third step of the insurance consumer selecting an insurance product to be browsed in the classification part of the second step; And a fourth step of receiving and inspecting the insurance plan (s) from the insurance company (s) having the commodity and then performing an electronic contract with the insurance company.

If the comparison type is selected in the second step, the third step further includes a step of providing an insurance design application concluded with the connected insurance companies at the site, and transmitting the application form to the insurance company after the application is written desirable.

If the exhibit / list type is selected in the second step, the third step is a step in which the insurance consumer selects one of the products by listing information of similar insurance products previously provided from the insurance companies to the site, A step of inquiring whether or not the detailed information of the selected commodity is desired, a step of transmitting the design application to the insurance company when the detailed information is desired, and the step of performing the fourth step immediately when the detailed information is not desired Do.

If customization is selected in the second step, the third step is a step of displaying a form enabling the insurance consumer to fill in the conditions that the insurance consumer may need; And transmitting the form to all insurance companies that have filled in the form and have agreed to the form in advance.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described in detail with reference to the accompanying drawings.

FIG. 1 is a schematic diagram for explaining the concept of the insurance relay system according to the present invention. The system comprises an insurance consumer (client) 100, an insurance relay site or insurance relay server 110 and an insurance company 120. The insurance consumer 100 is a client wishing to insure. The insurance relay site 110 may be accessed from both the insurance consumer 100 and the insurance company 120 and may exchange information with the insurance companies 120 through an agreement with the insurance company . The main function of the insurance relay site 110 is to allow the insurance consumer 100 to receive insurance product information directly from a plurality of insurance companies 120 at the same time, To provide an environment in which a direct contract between the insurance consumer 120 and the insurance consumer 100 can be made. 1, the contract between the insurance consumer 100 and the insurance company 120 is performed via the insurance relay server 110, but the procedure or information is entirely managed by the insurance consumer 100 and the insurance company 120 ). ≪ / RTI > The insurance relay site 110 accesses the site 110 so that the accessing insurance consumer or the seller accessing the site 110 can know the current insurance transaction status in real time and notifies the insurance consumer who requested the insurance product information and the requested insurance type, (For example, a status board capable of real-time information renewal such as an election bill status report) indicating the number of insurance companies that provided product information. The insurance company 120 receives personal information such as the age, occupation, residence, desired insurance type, etc. of the insurance consumer 100 from the insurance relay site 110 according to a protocol negotiated with the insurance relay site 110 And provides insurance product information requested by the insurance consumer 100 through the insurance relay site 110. [ The insurance company (120) can view the insurance transaction status and the contract status of the insurance company compared to other insurance companies while viewing the above-mentioned insurance commodity transit information displayed on the insurance intermediation site. Therefore, You can decide quickly.

2 is an insurance relay system on the network of the present invention which includes a network 200, an insurance consumer 210, an insurance relay server 220, a first insurance company server 230 and a second insurance company server 240 ). The network 200 is a communication network that mediates various types of wired and wireless information, such as the Internet. The insurance consumer 210 is a client who receives insurance product information through the network 200 and selects a desired insurance product accordingly. The insurance relay server 220 is connected to a plurality of insurance companies (in FIG. 2, for convenience of explanation, two insurance companies The number of insurance company servers that can be connected to the insurance relay server 220 in the present invention can be further extended), and the insurance consumer 210 can provide services such as information exchange Environment is established. That is, the insurance relay server 220 provides a site for the insurance consumer (s) 210 to access over the network 200 where the insurance consumer (s) Type, or relaying method, a comparative type that displays products that are comparable among insurance companies, a display / list type that displays similar items without a comparison standard at a time and displays them, and a customized . When the insurance consumer 210 selects the comparison type, the insurance relay server 220 provides an insurance design application that has been agreed between the insurance relay server and the insurance company when the insurance consumer selects a product, The design application is transmitted to the insurance companies 230 and 240 and the insurance plans 230 and 240 are received from the insurance companies 230 and 240 to provide the insurance claims to the corresponding insurance consumers. When the insurance consumer 210 selects the exhibition / list type, the insurance relay server 220 lists the general information on a group of similar insurance types and products at the same time, and selects one of them. When the insurance consumer 210 selects customized, the insurance relay server 220 provides a tailored form (customized insurance design application) to fill in the necessary information to the insured consumer so that when the form is filled, (230, 240), and when the insurance plan is returned from the insurance companies (230, 240) accordingly, the insurance plan is provided to the corresponding insurance consumer. When the customized type is selected, if the insurance plan information indicating the charge, service details, and the like of the corresponding insurance created in consideration of the design application in which the personal information is input is returned from the servers 230 and 240 of the insurance companies to the insurance relay server 220, The relay server 220 provides an environment that allows the insurance consumer 210 to view only that insurance consumer 210 so that the insurance consumer 210 can compare against the insurance plan provided by the various insurance companies, Allows you to select a product. When the insurance consumer 210 selects an insurance product on the site, the insurance relay server 220 signals it to the insurance company that provides the product. At this time, the contract form for creating a contract between the insurance company 230 or 240 and the insurance consumer 210 may provide the insurance consumer with a form in which the insurance relay server 210 has consulted with the insurance company 230 or 240 in advance, The contract form can be downloaded from the insurance company and provided to the insurance consumer. When the contract is created, the contract is returned to the insurance company server with the consent of the insurance consumer 210. When the contract is made, the insurance consumer 210 is moved from the site provided by the insurance relay server 210 to the contract preparation page provided on the web (or net) site of the insurance company, so that the insurance company and the insurance consumer There may be a transfer. When the currently connected insurance consumer 210 logs in by inputting the ID and the password correctly, the insurance relay server 220 notifies all the insurance companies 230, (Customer ID status board) that displays the specifications of the insurance plans received from the insurance intermediation server 220 on the screen at the same time, and also has a function of accessing the insurance relay server 220 and creating an insurance design request form before the contract is concluded A total status display function (in which a total status display function in which the user 210's ID, the desired insurance type or selected insurance type, the number of insurance companies that transmitted the insurance plan, The status board). The first and second insurance company servers 230 and 240 receive the insurance design request including information on the insurance consumer 210 and the type of insurance they desire from the insurance relay server 220, And returns the insurance plan to the insurance relay server 220 by completing the insurance plan of the insurance product on which the service and the charge that can be provided are described. When the insurance intermediary server 220 receives a signal that the insurance consumer 210 desires a contract for his or her insurance product, the insurance relay server 220 performs a procedure for making a contract with the insurance consumer 210.

FIG. 3 is a flowchart of an insurance relaying method on the network of the present invention. In the insurance relay method in which insurance relay is performed through the insurance relay site managed by the insurance relay server 220, the insurance consumer first visits the site ). The insurance consumer is a comparative type that displays products that are comparable among insurance companies on the above site, and displays products that are similar to each other so that insurance consumers can distinguish them objectively, / Separate type & insurance " (step 310). ≪ / RTI > The insurance consumer selects an insurance product to be informed in step 310 in the classification part of step 310 and receives the insurance designation (s) from the insurance company (s) having the relevant product (step 330) And performs an electronic contract with the company (step 340).

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

If the display / list type is selected in step 310, information on similar insurance products previously provided from the insurance companies on the site is listed at once after the execution of step 320, and the insurance consumer can select one of them ). In step 313, if the user desires to view more detailed information about the selected product, the design application is transmitted to the insurance company so that detailed and detailed information on the product can be transmitted from the insurance company server in step 314. If the detailed information is not desired in step 313, the user can skip to step 340 immediately.

If customization is selected in step 310, a form is displayed that allows the insurance consumer to fill in the conditions that the insurance consumer may need (step 315), and the form is filled in and all of the pre- The form is sent to the insurance companies (step 316).

Although not shown in FIG. 3, a customer registration step of the insurance consumer connected to the site is requested. In the customer registration, the insurance consumer 210 who visited the site registers the user in accordance with the instruction provided on the site of the insurance relay server 220, obtains the ID and the password, and inputs the personal information necessary for the overall insurance management The insurance relay server 220 stores this information and automatically reflects the personal information data at the time of making the insurance design application or the insurance application form, and the insurance consumer 210 once entering the personal information again stores the same information So that the user does not have to input. The customer registration process is also necessary for the insurance consumer to be able to view the insurance product information that he / she has personally applied for. If the insurance consumer ultimately selects an insurance plan (in a comparative form or a customized form) or selects insurance for a specific insurance product (exhibition / list type product), the insurance relay server 220 performs counting as the number of relay events (Not shown). The procedure for the insurance contract between the insurance company server and the insurance consumer 220 is performed by the insurance relay server 220 displaying an insurance subscription agreement previously agreed with the insurance company or downloading and displaying the insurance subscription form from the insurance company, And automatically transmit the stored insurance consumer information to the insurance company server. In this case, depending on the consultation with some insurance companies, it may include the case of linking to the insurance company site at the same time as the subscription selection 340. The contractual succession remains a matter of only two except that the insurance consumer and the insurance company server mediate the display of the procedure to the insurance relay server according to the independent procedure of the insurance company. At the time of the contract, the insurance relay server moves to the network site managed by the insurance company server when the procedure for the contract is performed, so that the insurance contract can be made directly between the two parties there.

Hereinafter, the above-described comparison type, display / list type, and customized type will be described in detail. For insurance types such as auto insurance, the contents of the products to be treated are the same for each insurance company and the difference is insurance premium, service, collateral ability, etc., the information presented by several insurance companies (insurance design) can be grouped. When comparing the information presented by several insurance companies, the insurance company can present competitive price, service contents and other functions in a competitive manner for attracting customers. In the case of customers, (For example, compulsory insurance such as auto liability insurance), it is preferable to both the insurance company and the insurance consumer to compare the information provided by the various insurance companies at the same time and to select the most favorable ones. This relaying method is called a 'direct relay method' or 'comparative type'. If the type of insurance selected by the insurance consumer is selected by the insurance consumer in step 310, an insurance design application is provided to the insurance consumer from the insurance relay server in advance between the insurance relay server and the insurance companies connected thereto. The information of the insurance consumer is entered into the items of the insurance design application and the completed insurance design application is sent to the servers of all insurance companies connected to the insurance relay server. According to the insurance design application, the insurance company servers prepare the insurance plan such as the contents of service, premium, etc. of the product and return to the insurance relay server. The returned insurance plans are stored in the "Insurance Plan Inbox" (Customer Inbox) on the insurance relay server where the requested insurance consumers can access with their own ID or password, and the insurance consumer opens this inbox You can view and compare the received insurance plans and select one of them. At this time, the insurance relay server 220 counts as a valid number of relays, and performs a procedure for an insurance contract between the insurance company server and the insurance consumer 220 of the selected insurance plan. The contract procedure between the insurance company server and the insurance consumer is the same as described in the description of FIG. Although the procedure for the contract between the insurance company server and the insurance consumer does not fall within the scope of the present invention, the site provided by the insurance relay server of the present invention will establish an environment that provides all the necessary facilities for contracting between the two parties. In order to smoothly support and control the above-described direct relay system, the insurance relay system of the present invention employs a real-time relay system, and a personal ID (Inbox), and the status of providing information about a specific product in the insurance relay server is also displayed in real time at a time so that both the insurance company and the insurance consumer can view the situation without ID or password Provide the general situation version for each insurance product. The reason for such a real-time relay is that the operation of a lively site can further promote the convenience (speed, immediacy, etc.) of the customer, and as an insurance company responding to the insurance design application, This is to allow the design strategy to be established from time to time. Also, as the operator of the insurance relay server 220, it is in conformity with the need for the control function such as smooth progress of the relay and prevention of the system failure by grasping the progress status of the transactions between the transaction parties in real time. The 'Insurance Inquiry Inbox (Customer Inbox)' is the result of the insurance company responding to the 'Insurance Design Application' that the customer applied. The customer will open this inbox at the time he or she wants and compare the products here and choose an insurance company that will sign the contract. This is an unofficial place to enter your customer password. Table 1 below shows an example of the configuration of the status sheet for each customer ID ('insurance design receipt box').

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

The status sheet for each customer ID can be accompanied by an explanation of the table, for example:

"- Table title: ooo 's xx insurance plan status.

- How to use: Please compare all the contents and select one insurance company that has the best insurance plan for you and select it by pressing the check mark in the rightmost column.

- Placement order of insurance companies: Among the insurance companies that have submitted the plan within the deadline required by you, listed in order from the company with the lowest insurance premium.

- Insurance company: An insurance company in the table is marked as an unsigned alphabet to prevent the information presented by the insurance company from being misused for purposes other than the insurance design. However, if you choose, you will be linked with the insurance company's application form, and you will know which insurance company it is, because it will be displayed under your full name.

- Insurance premiums: The insurance premiums shown in this table are based on your application for insurance design, please refer to the supplementary explanation.

- Service Offered: This service is provided to the customer who is currently insured by the insurance company. We will help you choose a relative insurance company.

- Subscription Selection: Please select one insurance company to join xx insurance. When you click on Select, you will be linked to the insurance company's xx insurance subscription, and this subscription will list the basic personal information you need for your insurance subscription to relieve your inconvenience. However, in order to protect your personal information, please be assured that you will not be able to use it for any purpose other than the offer under the agreement with us. "

The overall status of each insurance product is based on the insurance product designation status of the customer in accordance with the application form in the order of the application order. An example of this is shown in Table 2 below

Serial Number Application date and time Customer ID Usage Limit seal Date of joining Participating insurer One Personal Immediately Year Month Day Company 2 Business Within 1 hour Year Month Day Company 3 Business Within 24 hours Year Month Day Company 4 tolerance Within a week Year Month Day Company

The general situation board by insurance product is open to both the visitors of the site and the insurance company. The registered customer can enter the personal situation board of Table 1 after clicking on the corresponding column in the status board, enter the personal situation board of the table, , Data modification, etc.). The insurance company can not work on the web and can modify the data by the insurance company server equipped with the software provided by the insurance relay server. The insurance company can use this situation board to refer to the insurance design work and send the result of the insurance design work to the insurance relay server by automatic computer operation or manual work. The insured person of the insurance company can check the subscription rate of his company and adjust the insurance rate and so on flexibly so that he can flexibly adjust the contents of the design from time to time. In other words, this situation can be a means for insurers to understand the market atmosphere and strengthen their competitiveness. Table 2 can be provided on the site provided by the insurance relay server to help insurance consumers understand the following example:

"- serial number: The order of insurance design application is listed in order.

- Restricted time: It is the due date of the request for design selected by the applicant.

- Scheduled enrollment date: In the case of a renewal contract, the next day of the last day of the previous term is the first day of enrollment.

- Participating insurer: indicates the number of insurance companies that sent the insurance plan by the time limit, and the customer may decide whether to view only this number.

* These materials will be stored for 30 days and will remain on D / B. "

The indirect method of relaying is the 'indirect relay method' or the 'exhibition / list type' method in the case of insurance products which are similar in contents of insurance but have difficulty in adopting direct relaying method for simultaneous comparison. This is because, in the case of the direct relay system, the contents of collateral of the product are the same, so that the customer selects the insurance company by comparing the price and the contents of the service. Since you have to choose between many products, you can not compare the comparable conditions between the products of insurance companies. Accordingly, if the type of insurance that the insurance consumer desires to subscribe to in step 310 of FIG. 3 belongs to the need for such an indirect relaying method, the insurance relay server selects the type of insurance, Of the various insurance products provided by the insurance companies. The insurance relay server 220 counts as the number of relay events, and the insurance agent server 220 counts the number of relay events, and the selected insurance company server And the insurance consumer (220). The contract procedure between the insurance company server and the insurance consumer is the same as described above. This indirect relaying method is applicable to all kinds of damage insurance and life insurance products which are difficult to compare with simultaneous group. The reason why it is difficult to compare the simultaneous group is because it does not have comparable service and insurance rate And so on. Therefore, it may be desirable for the customer to read the prices, collateral contents, services and the like of the similar products displayed while they are displayed among the similar products, and to select the commodity that is determined to be advantageous for the part of the customer's point of interest. The method of displaying or displaying the insurance product that is an indirect relaying method is not limited to the type of insurance that the insurance consumer 210 intends to join for the first time (for example, cancer insurance, education insurance, accident insurance, driver insurance, ), Displayed on the insurance intermediary site page, and when the insurance consumer selects one of them, the specific insurance product names belonging to the insurance kind are displayed in such a manner that they are displayed. In this way, the effects of simultaneous group comparison (price, collateral content, service, etc.) can be expected. Also, since the contents of products of insurance companies are not completely the same in terms of insurance consumers, they can not be compared on the same basis. Among the insurance products of each insurance company, it is easy to choose the insurance product which is suitable for them. Table 3 shows an example of insurance products displayed here.

Main Category Driver's insurance Middle class Business Driver's Insurance product name Millennium Driver's Insurance Company Name xx fire Coverage Collateral Weekdays, weekends in case of accidents, deaths, injuries, injuries ... ......... ........ ....... ....... Additional security 50,000 won per day per day of hospitalization ... Rider (optional) Couple hospitalization ritual .. Insurance period 10 years premium basic won Payment method 1 month, 3 months, 6 months, etc. Commentary This premium is ... Select button Selection

The table above shows that the final stages of insurance products are displayed side by side. When these insurance products are displayed, it is displayed on a single page as shown in the above table, if possible, so that the insurance consumers can maximize the effect of the simultaneous comparison. The information on the insurance product is obtained by inserting insurance information in accordance with a form (as shown in the above table) negotiated between the insurance relay server 220 and each of the insurance company servers 230 and 240, ) Is transmitted to the insurance relay server 220 on the site. The insurance companies 230 and 240 transmit their contents to the insurance relay server 220 whenever a product name or content is changed, generated or destroyed, and the insurance relay server 220 reflects the contents on display. There is no limit to the number of exhibitions for each insurance company, and the contents and format of the display form should be agreed between the insurance companies (230, 240) and the insurance relay server (220). If the insurance consumer is not satisfied with the contents of the displayed products, and the insurance intermediary server 220 desires detailed information such as insurance premiums, the insurance relay server 220 may provide an item When the insurance consumer selects the item, the insurance design application for the product selected by the insurance consumer is displayed on the site by the insurance augmentation server 220. When the information of the insurance consumer is inputted into the insurance design application, the insurance relay server 220 transmits it to the insurance company server having the insurance product, and the insurance company server transmits the completed insurance plan to the insurance relay server Return. The insurance relay server stores this insurance plan in the customer inbox, which the customer can access through the ID and password input. Subsequent subscription procedures are the same as described above. In the indirect relay system, a real time relay status board is displayed. The status sheet for each customer ID is replaced by the insurance plan sent by the insurance company because it is a 1: 1 indirect relay rather than a multilateral simultaneous direct relay. The general status report is prepared by insurance type (by major classification), and examples are shown in Table 4.

Serial Number Customer ID Middle class Limit seal Date of joining Whether the design is received One Personal Immediately Year Month Day 2 Business Within 1 hour Year Month Day 3 Business Within 24 hours Year Month Day 4 tolerance Within a week Year Month Day

Finally, there is a relaying method in which the insurance relay server 220 relays the insurance transaction status between the insurance company and the insurance consumer in order to meet the customized demand of the insurance consumer. If the insured consumer has little or no knowledge of the insurance, or if he or she can not choose the right insurance for himself / herself by either of the two methods described above, . This relay system is also a direct relay system in which insurance consumers make design requests directly to all insurance companies and the insurance companies transmit their designs directly based on them, and at the same time, indirect relay system . When the insurance consumer selects the customized type in step 310 in FIG. 3, the insurance design application in a predetermined form provided by the insurance relay server is displayed. When the insurance consumer writes the contents and the design application is completed, 240). The insurance plan prepared by the insurance companies 230 and 240 based on the insurance plan enters into the customer inbox of the concept described above and the insurance consumer can input the ID and the password and browse the insurance product information in the inbox. The insurance consumer can choose to subscribe to one of the insurance product comparison information (insurance plans) sent by the insurance companies. When the insurance consumer decides to make an offer and chooses an insurance product, the insurance relay server counts and switches to the environment required for the subscription process. The description is the same as above. In case of customized case, the billboard of the customer ID is loaded in the customer's inbox of the insurance consumer and the bill is sent from several insurance companies. It is easy to compare each design because it is the same negotiated. The name of the insurer is unspecified, and the order is sorted to list the companies with the lowest insurance premiums. The general status version is the same as the direct status total direct status if it is a comparative type product, and the same as the indirect status total status status version for the exhibition type product. This is because the insurance product that is customized will belong to either the comparative product or the exhibition product.

4 is an example of the homepage of the site managed by the insurance relay server in the insurance relay system of the present invention. This page is the first page to be shown to customers (clients) who access the insurance relay server, and it describes the site guide, usage guidance, service provided and site characteristics, and the above-mentioned comparison type, exhibition / And the insurance product information can be selected according to the insurance information.

In the homepage of FIG. 4, when the insurance consumer selects the comparative relay method, a page appears as a site configuration for the comparative relay method while the page is moving. First, the comparative relaying method page introduces the target product to be relayed, and a usage guide for the relaying method is displayed. When the insurance consumer selects one of the target products, the relay page of the insurance product appears as shown in the example of FIG. 5A, and the above-mentioned real-time general status screen is displayed. The insurance consumer displays the insurance plan status (customer ID status plate) You will be prompted for an ID and password to login. Items that can be newly registered for unregistered users are also provided. A form is provided to allow the insured consumer to enter general personal information required for the insurance design application at the time of the new registration. When the customer registration is accomplished, the page of FIG. 5A displays the customer inbox formatted with the customer ID status sheet as the page of FIG. 5B.

If the insurance product group is narrowed down to the range that the individual wants to find, then if the product group is selected, the similar insurance products as shown in Table 3 are displayed on the page together with the product name and insurance company name Is displayed. When the insurance consumer selects one of the listed products, the electronic subscription is linked to the displayed page so that the contract can be made between the insurance company and the insurance consumer. If you want more information about one of the listed products, you can get detailed information such as 'detailed product information guide'. If this option is selected, the insurance design application form for the product is displayed. If the registered insurance consumer logs in by filling in the ID and password, the insurance relay server will automatically fill in the information already in his / You can send this form to an insurance company server that has it, and if you are not registered, you can use this service after you register. In the exhibition / enumeration page, the real-time general information of the insurance selected by the insurance consumer is displayed by date, in order of choice.

In FIG. 4, when the insurance consumer selects the customized insurance relaying method, the user moves to a page available to the insurance consumer who desires customized insurance design. When the insurance consumer enters the necessary information in accordance with the instructions of the "customized insurance design application" determined by the insurance relay server, the contents of the application are transmitted to the servers of the insurance companies consulted in advance on this form. The insurer 's insurance plan, which is based on the application, is returned to the insurance relay server and enters the customer inbox. Use of the customer inbox is as described above. The customer inbox will contain an insurance plan from a number of insurance companies, which the insurance consumer can choose from.

FIG. 6 is a table summarizing the effects of the above-described relaying method on the users.

By using the insurance relay system and method according to the present invention, the insured party can receive the insurance service suitable for him / her, and simultaneously compares insurance product information of a plurality of insurance companies at a site on the network, Can be saved. In addition, cheaper premiums such as operating expenses can be obtained through direct transactions with an insurance company cyber transaction dedicated team that excludes salespeople. A security issue is a key issue when concluding a contract on the Internet, which can be solved by adding functions such as electronic signature and electronic document delivery to the functions of the server or insurance company server of the present invention. As the insurance company does not need a lot of sales organizations in the real space, it can significantly reduce the costs and reduce the insurance costs.

The present invention is also not operated by a subject who is entrusted with sales agency or brokerage from an insurance company, so that fairness can be assured when comparing the insurance products provided by the respective insurance companies, By directly connecting and trading, it is possible to omit the middle steps of the contract, which can reduce mistakes such as mistakes.

This is the first time in Korea that the non-business subject of the insurance is not using the Internet in real time to relay multi-party insurance transactions directly, and using this transaction method is economical and convenient for both insurance companies and insurance consumers. do.

According to the present invention, by enabling electronic direct transactions between insurance consumers and various insurance companies on a site accessible via a network, insurance companies reduce business expenses, and insurance buyers are among the most affordable and serviceable You can choose a good one and save time and effort in finding the right insurance.

Claims (11)

Insurance consumers can access the insurance product information (in the form of insurance plans) directly from various insurance companies so that insurance companies with insurance products selected by the insurance consumer can make direct contracts with insurance consumers. The insurance relay server provides an insurance relay site, and both the insurance consumer and the insurance company accessing the site provide insurance real estate information on the current state of insurance transactions in real time And a similar type in which the comparative type which displays the products which are comparable to each other by the insurance companies or the comparative type which does not have the comparison standard is listed at a time Display Exhibition / nayeolhyeong and insurance characterized by consumer display a customized insurance product information divided into a display of products tailored to the requirements of that and, The real-time transit status board includes insurance premiums and service contents for insurance products of all insurance companies for the insurance type selected by the insurance consumer individual when the insurance consumer who is currently accessing the site correctly inputs the ID and password and logs in An insurance plan inbox (customer ID status board) that simultaneously displays information of the customer in real time; And the number of insurance companies who provided insurance products matching the type of insurance selected and the type of insurance selected, or the like, at the same time Wherein the system includes a general status board displayed in real time. delete delete delete The method according to claim 1, When the insurance consumer wants to directly compare the Internet-only car insurance products, the insurance relay server provides the insurance design application with the insurance company in advance, sends the insurance design application filled with the insurance consumption information to the insurance companies, (Insurance premium, supplementary service, etc.) to the corresponding consumer in real-time at the same time. At this time, the insurance relay system on the network is selected by selecting the insurance company. The display / list type as claimed in claim 1, The insurance relay server lists the general information about a group of similar insurance types and products at the same time to the insurance consumer, selects one of them, and moves to the insurance subscription mode when the selection is made. Relay system. The method of claim 1, The insurance relay server provides a tailored form to fill in the required information to the insured consumer so that once the form is filled, the form is sent to all connected insurance company servers and the insurance plan is returned from the insurance company accordingly The insurance relay system on the network is characterized by providing it to the insurance consumer. In an insurance relay method on a network using a site that relays insurance product information between an insurance consumer and an insurance company on a network, A first step of an insurance consumer visiting the site; The insurance consumer is a comparative type that displays products that are comparable among insurance companies at the site, an exhibition / list type that displays similar products without a comparison standard at a time and displays them, and a customized A second step of selecting portions divided from each other; If the comparison type is selected in the second step, the comparable products are selected, and an insurance design application concluded with the connected insurance companies is provided at the site, and when the application is filled in, the application written to the third- Stage 1; If the exhibition / list type is selected in the second step, the information of the similar insurance products previously provided from the insurance companies on the site are listed at once, so that the insurance consumer can select one of the products, 3-2 < / RTI > If the customization is selected in the second step, a form is displayed on the site that enables the insurance consumer to fill in the required conditions, and when the form is filled in, all the insurance companies that have already agreed on the form Step 3-3, in which the form is transmitted; And And a fourth step of receiving an insurance plan from the insurance company (s) having the relevant product, reading the insurance plan, and performing an electronic contract with the insurance company, In the case of the comparative type selection, the step of selecting the insurance company by receiving the insurance plan (s) from the insurance company (s) and returning to the insurance relay server in the case of rejecting the acceptance of the insurance company; And And the insurance consumer returning to the insurance relay server selects the second and third insurance companies to reach the electronic contract by the process of the first to fourth steps described above. . delete 9. The method of claim 8, And if the detailed information is not desired in the step 3-2, the step 4 is immediately performed. delete