KR100668418B1 - Computer-readable recording medium on which insurance agreements are recorded - Google Patents

Abstract

The present invention relates to a method of accessing a CD medium and a medium in which the terms and conditions are made so that the policyholders can easily provide and check the insurance terms and conditions to be notified as required by law between the policyholder and the insurance company. .

The present invention provides a method for viewing a CD medium and a medium containing the terms and conditions, which are written so that a number of product terms in the form of a printed page can be recorded on a CD medium to accurately select and view the products subscribed to by the user. In addition, the terms and conditions recorded on the CD media are embedded in the view file through the monitor and the file for output through the printer, and the output files are encrypted and recorded to prevent tampering with the printed terms. Provides a reading method and a medium thereof, and can be viewed in the offline CD terms and conditions, and other insurance companies that are not included in the CD terms by connecting online to the terms provision web server using a web browser embedded in the CD terms Subscribers can conveniently view the terms and conditions for their products by In order to provide a method of accessing a CD medium containing the terms and conditions that can be identified, and to provide the medium, the insurance company selling insurance products and the terms and conditions provided on the web server and insurance products that classify and store the product terms and conditions of the insurance company. Providing a policy CD containing the terms and conditions of the subscribed product to the insured subscriber, the CD containing the terms and conditions of the web browser for internet access and a plurality of insurance terms, and any of the above terms DB It includes a list of terms and conditions DB for selecting one of the terms and conditions, each of the terms and conditions DB is divided into screen terms and print terms, print terms are composed of a text-coded encrypted file, the viewer program for screen output And a decryption program for decrypting the encrypted terms to print out the selected terms. It is characterized by made.

Insurance, terms, cd, cd, password, decryption.

Description

Computer-readable recording medium on which insurance agreements are recorded}

1 is a network diagram showing an overview of the terms and conditions using the CD containing the terms of the present invention.

Figure 2a is a flow chart illustrating a method of viewing a CD medium containing the terms of the present invention.

Figure 3 is a schematic diagram showing the data structure of a CD medium containing the terms of the present invention.

The present invention relates to a computer-readable recording medium in which a policy is provided between a policyholder and an insurance company to provide a policy of insurance which is required to be notified as required by law, and which can be conveniently checked and viewed.

In general, products sold under the terms and conditions of various promises between the contracting parties in order to guarantee this in the future, such as insurance, are reviewed and sold in advance by the national authorities. It must be delivered to one of the parties to the contract to be considered a normal contract, and breaking it can be a reason for breaking the contract.

Due to the characteristics of these products, the issuance of relevant terms and conditions in the insurance contract process is an essential mandatory provision. Conventionally, the terms and conditions of the product are usually printed on paper, produced in the form of a booklet, and issued to a consumer who is a subscriber.

However, from an insurance company's point of view, dozens or dozens of insurance products are designed and sold. Therefore, it is necessary to properly adjust the inventory, as it is necessary to make a pre-order based on demand forecast booklet and store it as a certain inventory. . In general, the stock of more than a certain level of the booklet is stored as inventory, which is a cause of the increase in cost for both the insurance company and the policyholder because the cost of the product and the burden of the inventory are reflected in the cost of the product.

In addition, as the terms and conditions must ensure or reflect the complex aspects of society, the contents are increasingly complicated, and the terms and conditions are greatly increased, and all the terms and conditions booklets reserved as stocks by making or requesting development of various products are all If the product is discontinued without exhaustion, it has to be disposed of and there is a problem of economic loss.

On the other hand, in consideration of the problems of the printing terms of the page, the applicant has previously applied to save and record the terms and conditions on a compact disc (CD) so that they can be read by a computer and make the CDs replaced by consumers. 2371 and prior application patent 2002-8347 have each proposed such a concept.

Each of them brings a number of benefits by using the CD media to record the terms and provide them to consumers. According to the relevant laws and regulations, financial supervisory authorities use CDs with relatively large storage capacities. Since a number of terms are recorded in CD media and shared among various products, consumers are required to easily select their own terms of use and not to make mistakes during selection.

As a result, if a CD containing the terms and conditions is simply provided to the consumer, the terms and conditions can be modified when the terms and conditions are outputted along with a method of accurately selecting and confirming their subscription products.

The present invention has been made in order to further develop the above-described conventional page terms and the applicant's prior application technology.

The present invention has been made to solve the various problems caused in the process of issuing and reading the conventional insurance policy as described above has the following object.

The present invention provides a method for viewing a CD medium and a medium containing the terms and conditions, which are recorded so that a plurality of product terms and conditions in the form of a printed page on a CD medium can be selected and viewed correctly when a particular product is subscribed to. will be.

The present invention includes a view file through a monitor and a file for output through a printer, and records the output file by encrypting and recording the terms and conditions recorded in the terms and conditions. It is to provide a method of viewing a medium and its medium.

The present invention can read the terms and conditions of CDs issued offline, and use the web browser embedded in the terms of the CD to connect to the terms provision web server online to sign up for the products of other insurers not included in the terms of CD. The present invention provides a method of viewing a CD medium and a medium containing the terms and conditions so that subscribers can conveniently check the terms and conditions of their subscription insurance.

Screening method of a CD medium containing an insurance policy according to an aspect of the present invention made to achieve the above object is a screening method of screening the CD media containing the insurance policy that the insurance company issues to the subscriber, the CD medium, It includes an execution program for automatically executing a CD, a DB of terms and conditions that records a number of insurance terms, and a DB of terms and conditions list for selecting any one of the above terms and conditions DB. A screening method for screening a CD medium containing the above insurance policy terms comprising a screening condition DB for displaying a screen on the display screen and a printable condition DB encrypted in a different form from the screening condition DB for a display, wherein (a) the subscriber is issued. When you insert the CD media into your computer, the CD executable program installs the necessary executable program for viewing the terms and conditions. Stage such that (S101); (b) a CD item inquiry step of selecting an inquiry of a specific CD item among a plurality of CD items embedded in the CD medium (S102); (c) in the case where the "insurance policy" item is selected in the CD item inquiry step (S102), designating an inquiry of the insurance policy in order to view the insurance policy of the subscriber among a plurality of insurance policies (S103); (d) a product code input step (S105) for requesting input of a corresponding product code corresponding to the insurance policy to be inquired by the subscriber; (e) reading the code from the terms and conditions list DB embedded in the CD medium when the corresponding product code is input (S106); (f) a code coincidence detection step (S107) of checking whether the product code input by the subscriber and the pre-stored product code of the terms and conditions list DB match; (g) a step of outputting a selection agreement screen for outputting only the corresponding terms for the screen in the terms of use screen DB through the viewer program when the detection result in the code matching detection step (S107) is matched (S108); (h) a print selection detecting step of detecting a print request of the terms and conditions output through the viewer program (S109); (i) a file conversion step of decrypting, by the decryption program, only the encrypted terms and conditions file read from the terms and conditions DB for printing whose screen output is classified into the same code as the selected product code when the print request is detected in the print selection detection step (S109) ( S110); And (j) printing only the print terms and conditions decrypted through the file conversion step (S110) (S111); Characterized in that it comprises a.
Preferably, the CD item in the CD item inquiry step (S102) includes "introduction of insurance company", "insurance common sense", "other advertising" and "Terms inquiry" items, these CD items optionally Characterized in that the inquiry.
On the other hand, a computer-readable recording medium that records a program for performing the method of screening the CD medium containing the insurance policy according to another aspect of the present invention made to achieve the above object, the insurance policy that the insurance company issues to the subscriber A computer-readable recording medium as an embedded CD medium, wherein the CD medium includes an execution program for automatically executing a CD, a DB for recording a plurality of insurance terms, and a condition for selecting any one of the DB terms. Each of the terms and conditions of the terms and conditions DB, which includes a list DB, is composed of a screen terms DB for displaying the contents of the terms on the display screen and a printable terms DB encrypted in a different form from the screen terms DB. This computer-readable recording medium includes: (A) a CD medium received by a subscriber; The procedure for inserting a CD that runs an installation program, run the program you need to read and accept the CD media is automatically executed (S101); (B) a CD item inquiry procedure for selecting an inquiry of a specific CD item among a plurality of CD items embedded in the CD medium (S102); (C) in the case where the "insurance policy" item is selected in the CD item inquiry procedure (S102), a procedure of designating an inquiry of the insurance policy in order to view the insurance policy of the subscriber among a plurality of insurance policies (S103); (D) a product code entry procedure (S105) for requesting entry of a corresponding product code corresponding to the insurance policy that the subscriber wants to inquire; (E) reading the terms and conditions code from the terms and conditions list DB embedded in the CD medium when the corresponding product code is input (S106); (F) a code matching detection procedure for checking whether a product code input by the subscriber and a pre-stored product code of the terms and conditions list DB match (S107); (G) a selection terms screen output procedure (S108) for outputting only the terms for the screen through the viewer program in the screen conditions DB if the detection result in the code match detection procedure (S107) is matched (S108); (H) a print selection detection procedure (S109) for detecting a print request of the terms and conditions output through the viewer program; (I) When the print request is detected in the print selection detecting procedure (S109), a file conversion procedure of decrypting, by the decryption program, only the encrypted terms and conditions file read from the terms and conditions DB for printing whose screen output is classified into the same code as the selected product code. S110); And (J) printing only the corresponding printable terms decrypted through the file conversion procedure (S110) (S111); It characterized in that to perform.
In other words, the present invention consists of an insurance company that sells insurance products, a service provider providing a web server for classifying and storing the product terms of the insurance company, and a subscriber who subscribes to the insurance product. A CD is issued, and the CD contains a web browser for accessing the Internet, a DB that records a number of insurance terms, and a DB for terms list for selecting any one of the DB terms. Each of the terms and conditions is divided into the terms for screen and the terms for print.The terms for print consist of a text-coded encrypted file, a viewer program for screen output, and a decryption program for decrypting the encrypted terms for printer output of the selected terms. It is made to include.

The terms and conditions can be viewed by viewing the terms and conditions embedded in the terms and conditions CD, and accessing the terms and conditions web server using the terms and conditions CD to view the terms and conditions.

Hereinafter, the technical idea as an embodiment of the present invention will be described in detail.

The present invention basically provides an insurance company that sells insurance products, a subscriber who subscribes to purchase insurance products, and provides online terms and conditions between the insurance company and the subscriber, and records the terms and conditions required by the insurance company on CD. Providing the terms and conditions provided by the web server to provide to the insurance company is made up of the overview of the terms and conditions collected and provided through the Internet network (see Figure 1).

That is, when a subscriber joins an insurance product of a specific insurance company by the insurance company's business, the insurance company issues a CD medium containing the terms and conditions to the subscriber in accordance with the obligation to notify the policy.

The production of the terms and conditions CD is issued when the terms provision web server side receives the terms and conditions and delivers the terms and conditions CD according to the contractual relationship with various insurance companies.

The subscriber who purchased the insurance product as described above receives a CD of the policy, which is produced by including the insurance policy of each insurance company.

Of course, to record a number of insurance terms on a CD medium is to economically produce the terms CD, and if necessary, it can be produced and supplied as a mini-CD containing only a specific product.

The terms and conditions CD of the present invention includes an execution program for automatically executing a CD, a web browser for accessing the Internet, a terms and conditions DB for recording a plurality of insurance terms, and a list of terms and conditions DB for selecting any one of the terms and conditions DB. Each of the terms and conditions of the Terms and Conditions DB is divided into screen terms and print terms, and the print terms are text code-converted encrypted files, the viewer program for screen output, and the encrypted terms for printer output of the selected terms. It consists of a decoding program for decoding the terms and conditions and a recording medium on which data is recorded.

It looks at the method of viewing the CD medium containing the terms and conditions according to the present invention.

When the subscriber inserts the received terms and conditions CD into the computer, the CD execution program installs an execution program necessary for viewing the terms and conditions, and the CD terms are automatically executed (S101).

Through the CD item inquiry (S102) step of selecting to search for a specific item among a plurality of items embedded in the agreement CD, the subscriber can selectively search for various items recorded on the agreement CD.

The item inquiry may be classified into an introduction of insurance companies, insurance common sense, other advertisements and terms inquiry items, etc., which means that the items are selectively searched by dividing them into items.

In the item inquiry step (S102), in order to view the insurance policy subscribed to by the subscriber, the insurance policy inquiry is designated (S103), and when the insurance policy designation (S103) step is selected, it is determined whether the subscriber is connected to the Internet. Online check (S104) step of detecting, and if the product is offline, the product code input step (S105) for requesting to input the corresponding product code, and if the product code is entered, read the code from the terms and conditions list DB embedded in the agreement CD Read the terms and conditions code (S106), and if the product code entered by the subscriber and the code matching detection (S107) step to check whether the product code of the terms and conditions list DB matches the screen output through the viewer program A screen for outputting the selected terms and conditions (S108), a print selection step (S109) for detecting the print request of the terms and conditions output through the viewer, and a print request if the print request is detected. Printing the terms (S111) through the file conversion step (S110) of reading the terms from the printable DB of the terms classified with the same code as the selected product code and decoding the text file of the encrypted terms into the decryption program. Is made to run.

On the other hand, if the user is online at the step of requesting the terms and conditions (S103) request confirmation whether or not to read including the terms and conditions subscribed to the insurance company other than the insurance company that provided the terms and conditions CD (S201) step Checking whether or not through (S202), and checking whether or not the requested terms and conditions match the product code contained in the provided terms and conditions CD (S203), and if the product contained in the CD, enter the corresponding product code of the CD ( Proceed to the step S105), if the product is not included in the CD identity verification (S204) to verify the identity by electronic authentication, and if it is confirmed as the identity (S205) from the web server provided by the subscriber to the former insurance company Display and display all the insurance products subscribed (S206) step, a product selection step (S207) of selecting the corresponding product to request to view among the insurance products subscribed subscriber, and the selected award Downloading of terms to be executed to view or print output by the step of screen output (S108).

Through the reading process as described above, the subscriber selectively executes the screen output and the print output when viewing the products included in the terms and conditions CD. In the case of the print output, the subscriber decodes the encrypted print file from the DB for printing the terms as a decryption program and prints the printer. It is designed to prevent the modification of the contents of the terms and conditions that are output, and the prevention of such modifications is made to prevent damages and disputes caused by the modification of the terms.

The encryption of the printing terms and conditions is to convert the text code of the printable file so that the original text cannot be known by the code character itself, which is a method of adding or subtracting a certain number to the code value of each character, the position of the code forming the character. Or a combination of them, and decoding them into original strings by a decryption program having the inverse of the encryption. It's a technology.

On the other hand, in the CD medium containing the above terms and conditions, the CD execution program installs the execution program necessary for viewing the terms and conditions, and the CD terms are automatically executed to install the basic program when the CD is entered into the computer.

A procedure for receiving a CD item lookup request for selecting a specific item lookup from a plurality of items embedded in the terms and conditions CD;

In the item inquiry procedure, a procedure for specifying an insurance policy inquiry to view the insurance policy subscribed to by the subscriber, and an online check for detecting whether the subscriber is connected to the Internet when a specific policy is selected in the insurance policy designation procedure. And, when the product is offline, a product code input procedure requiring input of a corresponding product code to be inquired, a product code read procedure for reading a code from the terms and conditions list DB embedded in the terms and conditions CD when the product code is entered, and a subscriber input Code matching detection procedure to check whether the product code and the product code in the list of terms and conditions of the database match, and the optional terms screen output procedure to display the terms and conditions through the viewer program if they match, and to print the terms and conditions output through the viewer A print selection procedure for detecting a request, and a product whose screen output is selected when a print request is detected It is made by recording a program to execute the procedure of printing the terms and conditions through a file conversion procedure that reads the terms and conditions from the printable DB of the terms classified into the same codes as codes and decodes the text file of the encrypted terms and conditions into the decryption program.

As described in detail above, the present invention solves a number of problems of the terms of the conventional paper printed form and the disadvantages of the CD provided by simply recording them. It is effective to prevent misunderstanding or misunderstanding of the terms and conditions by enabling the user to accurately select and view a product through the terms and conditions list DB such as a product code and a product name. By dividing the output files separately and recording the output files by encrypting them, it is effective to prevent the forgery of the printed terms and conditions. It is effective to prevent disputes and accidents caused by the alteration of the printed terms and conditions. You can view the CD Terms and Conditions, and use the web browser embedded in the CD Terms and Conditions By connecting to the web server provided online, you can browse the terms and conditions of the subscription products of other insurers not included in the CD terms and conditions. It is an invention.

Claims (5)

delete delete delete delete A computer-readable recording medium as a CD medium containing an insurance policy issued by an insurance company to a subscriber, The CD medium includes an execution program for automatically executing a CD, a DB for recording a plurality of insurance terms, and a DB for condition list for selecting any one of the DB. Each of the terms of the DB is composed of an on-screen terms DB for showing the contents of the terms on the display screen and a printed terms on DB encrypted in a different form from the on-screen terms DB. A computer-readable recording medium containing the above insurance policy, (A) when the subscriber inserts the CD media received into the computer, the CD execution program installs the execution program necessary for viewing the terms and conditions and automatically executes the CD media (S101); (B) a CD item inquiry procedure for selecting an inquiry of a specific CD item among a plurality of CD items embedded in the CD medium (S102); (C) in the case where the "insurance policy" item is selected in the CD item inquiry procedure (S102), a procedure of designating an inquiry of the insurance policy in order to view the insurance policy of the subscriber among a plurality of insurance policies (S103); (D) a product code input procedure (S105) for requesting entry of a corresponding product code corresponding to a corresponding insurance policy to be inquired by the subscriber; (E) reading the terms and conditions code from the terms and conditions list DB embedded in the CD medium when the corresponding product code is input (S106); (F) a code matching detection procedure for checking whether a product code input by the subscriber and a pre-stored product code of the terms and conditions list DB match (S107); (G) a selection terms screen output procedure (S108) for outputting only the terms for the screen through the viewer program in the screen conditions DB if the detection result in the code match detection procedure (S107) is matched (S108); (H) a print selection detection procedure (S109) for detecting a print request of the terms and conditions output through the viewer program; (I) When the print request is detected in the print selection detecting procedure (S109), a file conversion procedure of decrypting, by the decryption program, only the encrypted terms and conditions file read from the terms and conditions DB for printing whose screen output is classified into the same code as the selected product code. S110); And (J) a process of printing only the printable terms and conditions decrypted through the file conversion process (S110) (S111); A computer-readable recording medium as a CD medium containing an insurance policy record of a program for performing the program.

Images