KR100754025B1 - A short-term insurance service method for a surrogate driver using mobile phone and call center - Google Patents

Abstract

According to the present invention, when a driver cannot drive a car for various reasons, a surrogate driver who drives on behalf of another person's car is insured, and an insurance subscriber who wants to insure using a mobile terminal capable of internet is insured. Connect to the company's phone page server, purchase the surrogate operation insurance while checking the screen of the mobile terminal directly, and pay the premium immediately using the payment server such as bank transfer, so that you can receive insurance benefits and insurance benefits at the same time, This is to provide a surrogate driver short-term insurance service method using a mobile terminal to query the insurance details, and if the amount of payment is insufficient, recharge more than a certain amount, and calculate the premium according to the information of the subscriber.

In addition, by connecting a customer who wants to request a surrogate operation with a call center connected to the Internet and a surrogate driver who performs a surrogate operation, they do not have insurance using a mobile terminal and directly subscribe to insurance, and use a payment server such as bank transfer. By paying premiums immediately, you can receive insurance benefits at the same time you join the insurance, look up the insurance details you have subscribed to, and if you do not have enough payments, recharge a certain amount of money, and in accordance with the subscriber's information Provides a surrogate driver short-term insurance service method using a calculated call center.

Description

A short-term insurance service method for a surrogate driver using mobile phone and call center}

1 is a network configuration diagram of a surrogate driver short-term insurance service apparatus using a mobile terminal according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a database according to an embodiment of the present invention.

3 is a flowchart illustrating a proxy driver short-term insurance service using a mobile terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a procedure of substituting insurance for surrogate operation through a mobile terminal according to an embodiment of the present invention.

5 is a flowchart illustrating a procedure of substituting insurance for proxy operation through a call center server according to an exemplary embodiment of the present invention.

FIG. 6 is a diagram of a screen for a procedure for subscribing to a short-term driver's insurance on a mobile terminal.

FIG. 7 is a diagram for displaying a screen of an inquiry procedure of proxy driver short-term insurance in a mobile terminal.

8 is a diagram of a screen for a charging confirmation procedure of surrogate driver short-term insurance in the mobile terminal.

FIG. 9 is a diagram for displaying a screen of a procedure for inquiring premiums of surrogate driver short-term insurance in a mobile terminal.

* Description of the drawing symbols

100. Internet 110. Surrogate operation call center server

120. Phone home server 130. Charge and transfer server

131. Bank network 140. Insurer proxy driving insurance server

141. Insurance database 150. Customers

200. Mobile terminal 210. Base station

220. Mobile switching center 225. HLR

226.SMS Server 221.WAP Gateway

222.SP

The present invention relates to a short-term insurance service for the surrogate driver using a mobile terminal / call center, and more particularly, various insurance, in particular when driving on behalf of the driver who is difficult to drive due to drinking, or several people alternately due to fatigue during the trip For example, if you are driving on the go or renting a car from another company or someone else, you can get a short-term subscription through a mobile terminal that carries a small amount of insurance insurance for a safety accident. The present invention relates to a method and apparatus for a surrogate driver's short-term insurance service, which is possible and also enables short-term subscription through a call center.

In general, individuals living in modern times are constantly threatened by unforeseen accidents in their homes as well as in economic and social life. Some of these accidents can not be absolutely prevented, such as earthquakes and wind and water damage, and some can be prevented relatively, such as traffic accidents and fires. The purpose of insurance is not to prevent such an accident, but to meet the economic needs of an accident.

As such, the need for insurance is used in many fields, but insurance is widely used for accidents caused by automobiles, which are the most used means of transportation today.

When driving a car, a car accident occurs due to the driver's carelessness or various causes. Therefore, it is necessary to purchase insurance such as car insurance because it is impossible to predict when and where traffic accidents will occur.

In particular, due to the increase in leisure time due to the development of the industry, short-term insurance such as agency driving insurance, other driver's insurance, travel insurance, car rental insurance and the like becomes increasingly important.

General insurance other than the above-mentioned short-term insurance includes a web page where an insurance company's insurance agent visits the insurer to apply for a subscription or recently visits the insurance company's server using the computer's Internet. As a result, the menu allows you to purchase the insurance you want to buy.

However, it is not suitable for the above-mentioned short-term insurance because it takes so much time and complicated procedures to purchase it like a general insurance. In addition, in order to use the Internet, it is inconvenient to carry an expensive wireless communication terminal computer separately.

In order to solve such a problem, in the past, a mobile terminal is used to connect to an insurance company server, authenticate information on the mobile terminal through an ARS server, and then purchase short-term insurance according to ARS voice messages. Drivers could buy insurance.

However, in order to purchase insurance using a conventional mobile terminal, there is a hassle that the ARS server requests communication from a surrogate driver, and it is not possible to display the insurance procedure through the screen of the mobile terminal. In addition, there is a problem that the payment fee is more than the payment amount due to the small payment. In addition, when the insurance is registered only because the surrogate driver is confirmed that the problem that the customer can not accurately confirm whether the insurance.

The present invention has been made to solve the above problems, the object of which is that the subscriber who wants to insure using the Internet-enabled mobile terminal connected to the web server of the insurance company, while the subscriber directly checks the insurance screen, the subscriber acts as a proxy A certain amount of money is calculated by comparing the amount of insurance calculated by the insurer based on the information of the user who wants to purchase insurance directly and charge more than a certain amount by using a payment system such as bank transfer, and the user who wants to purchase insurance through the mobile terminal. This payment is effective in paying premiums, and provides a short-term insurance service method for the surrogate driver using a mobile terminal to receive insurance benefits at the same time.

In addition, another object of the present invention is a short-term driver driver using a call center that manages on behalf of insurance services by connecting a surrogate driver who wants to buy a surrogate operation insurance to a surrogate operation and a customer applying for a surrogate operation by a specific management company. It is to provide an insurance service method.

In the short term insurance service method for a surrogate driver using a mobile terminal according to the present invention for achieving the object of the present invention, when the mobile terminal is connected to the surrogate operation insurance server to subscribe to surrogate operation insurance, the surrogate operation insurance server is moved; After obtaining and authenticating the registration information of the terminal, the insurance purchaser inputs the subscription information necessary for the insurance through the mobile terminal, and whether the insurance purchaser is a repelled person registered by the insurance company based on the information input to the mobile terminal. Calculating whether the insurance premium is referred to the history and operating time of the applicant who is insured, and if the surrogate operation insurance server is wired to the charge and transfer server, and the insurance premium is calculated. The surrogate operation insurance server is based on the balance of the charge and transfer server based on Comparing the premiums, if the charge balance is greater than the premiums, the surrogate operation insurance server database the securities number, vehicle number, subscription period, balance information, and the insurance candidates to pay for the premiums When charging the premium, characterized in that the step consisting of charging a predetermined amount or more through the mobile terminal.

Surrogate driver short-term insurance service method using a call center according to the present invention for achieving another object of the present invention comprises the steps of the customer to call the call center to request a surrogate operation, the call center server receiving the surrogate operation request of the customer And recording and accepting the basic information of the customer, the telephone number and the vehicle number, and the current location of the customer, and transmitting the location of the customer to the mobile terminal of the surrogate driver, the closest to the starting point where the customer is located. A surrogate driver makes a placement request to the call center server through a mobile terminal, and the surrogate driver arranged by the call center server makes a telephone call to a customer to determine a detailed position; and the call center server receives the customer from the surrogate driver. After receiving the pickup completion message, the customer information and the surrogate driver information Transmitting to the reinsurance insurance server and querying whether or not the insured person is an evacuated person registered by the insurance company based on the agent information transmitted from the call center, and if not, the history and operation of the insured applicant. Calculating insurance premiums based on time, the surrogate operation insurance server is connected to the charge and transfer server by wire, and the surrogate operation insurance server charges the balance of the charge and transfer server based on the calculated insurance premium; Comparing insurance premiums, if the surplus balance is greater than the premium, the surrogate operation insurance server to database the securities number, vehicle number, subscription period, balance information, and the subscribers wish to pay the premiums When charging the premium, the step of charging a predetermined amount or more through the mobile terminal Characterized in that made.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

First, FIG. 1 illustrates a network configuration of a surrogate driver short-term insurance service apparatus using a mobile terminal 200 according to the present invention. As shown in FIG. 1, the surrogate driver's short-term insurance service system includes a mobile terminal 200 in which the Internet 100 function is implemented, a base station 210 receiving a received signal of the mobile terminal 200, and a mobile terminal ( Location register (HLR) 225 for retrieving the location registration information of 200, SMS server 226 for providing text messages, WAP gate 221 and service provider (SP) 222 using the Internet ( A mobile communication switch 220 that handles a call request to be connected to 100, a proxy driving call center server 110 that connects a surrogate driver and a customer, and the mobile terminal 200 to an insurance company through the Internet 100. In the case of requesting the connection of the insurance company, the phone homepage server 120 converts insurance-related information of the insurance company into web-based data and transmits it to be displayed on the screen of the mobile terminal 200, and charge and transfer for charging and transferring premiums. Server 130, remove the insurance amount The bank common network 131, the insurance database 141 for storing the information data necessary for subsidiary driver insurance subscription from the mobile terminal 200, and insurance at the request of the insured, insurance inquiry, charging confirmation, premium It is composed of a surrogate operation insurance server 140 of the insurance company for updating various information such as confirmation.

FIG. 2 is a diagram illustrating a database of information on which insurance is completed. As shown in FIG. 2, when insurance is completed, the agent number, vehicle number, subscription period, and balance information are databased on the proxy driving insurance server 140. The table is configured to be stored. Through this stored database, the surrogate driver can confirm his or her subscription, and can also confirm the number of the registered vehicle again.

3 is a flowchart illustrating a surrogate driver's short-term insurance service using the mobile terminal 200.

First, as illustrated in FIG. 3, when a mobile terminal 200 used by a user wants to access a company called 'Insgate' in order to purchase a surrogate driver insurance, the mobile terminal of the user of the mobile terminal 200 If the Internet service function embedded in the 200 is selected, the base station 210 and the mobile communication switch 220 are connected to the Internet 100 that provides insurance related services. (S1) Next, the connected Internet is connected. Through the firewall of the 'Insgate' company through 100 is connected to the insurance company phone homepage server 120, the initial screen of the insurance company is displayed on the mobile terminal 200 of the agent driver (S2) Insurance The mobile terminal 200 connected to the company's phone homepage server 140 displays a menu such as company introduction, membership registration, and surrogate operation insurance on the initial screen of the insurance company.

In this case, the mobile terminal 200 currently implementing the Internet service function transmits information according to the web browser characteristics of the mobile terminal 200 and the Internet 100 using a web browser, that is, the WAP 221 network hierarchy. As such, the mobile terminal 200 and the corresponding internet communication service communicate with each other through the Internet 100 so as to conform to the WAP 221 network hierarchy.

If the mobile terminal user selects the company introduction, the name of the company providing the service regarding proxy driving insurance and the company inquiry telephone are displayed. (S3) In addition, if the user selects membership registration, the user registration input screen is displayed and membership registration is performed. Therefore, the insurance company provides insurance information, such as social security number, mobile phone number, customer account number (not shown) (S4).

In addition, when the user of the mobile terminal selects the surrogate operation insurance, as shown in FIG. 6, the menu 501 connected to the surrogate operation insurance server 140 such as insurance subscription, insurance inquiry, charge confirmation, premium confirmation, etc. is displayed. (S5)

When insurance is selected in the proxy driving insurance menu by the user of the mobile terminal 200, an insurance input screen 502 for inputting an insured vehicle number, a customer phone, and a subscription time is displayed for insurance of FIG. 6. (S11) Then, the insurance registration confirmation screen 503 is displayed to check the registered information once again on the input screen. (S12) If the insurance related to the insurance input to the mobile terminal 200 is displayed. If the information is processed normally, the insurance is approved and displayed on the insurance approval screen 504 of FIG. 6 (S13) However, the user of the mobile terminal 200 avoids the insurance company or the insurance premium of the proxy driving insurance server 140. According to the calculation result, if the insurance premium balance is insufficient, the insurance is refused, so the insurance coverage rejection screens 505 and 506 of FIG. 5 are displayed. (S14) Details of the insurance coverage are as follows. Will be described later based on FIG.

In addition, when the insurance inquiry is selected on the proxy driving insurance screen 501 by the user of the mobile terminal 200, the insurance inquiry input screen 511 of FIG. 7 is displayed. (S15) The user of the mobile terminal 200 If you check the date you signed up the insurance to confirm that you are insured, you can check whether you signed up through the date you signed up, and the confirmed data, insurance time and securities number, the insurance inquiry confirmation screen (512, 513). In addition, when the securities number is selected to display the inquired data in more detail, the securities number, the vehicle number of the insured, the customer contact number, and the subscription period are described in detail through the insurance inquiry detail screen 514. It can be seen (S17).

In addition, when a charge transfer is selected on the surrogate operation insurance screen 501 by the mobile terminal user, the charge amount balance is displayed, and a menu of charge transfer and charge use history is displayed on the charge amount confirmation screen 521 of FIG. 8. (S18) Here, the charge amount is expressed in points. If the charge transfer is selected on the screen 521, a more recharge amount is secured for payment of the insurance, or if the insurance is rejected according to the premium result in the proxy driving insurance server 140, The charge transfer data input screen 522 of FIG. 8 for inputting the charge transfer data, that is, the social security number, the customer account number, and the password, is displayed to charge the charge amount for the payment. (S19) Then, the input for the charge transfer The charge transfer confirmation screen 523 of FIG. 8 is displayed in which the registered data can be checked once again through the display screen. (S20)

If the information about the charge transfer input to the mobile terminal 200 is normally processed, the proxy driving insurance server 140 connects the charge transfer server connected to the bank common network 131 in the user's bank account. Insurance amount that can be charged by the mobile terminal user at one time, that is, 20,000 won or more is settled, and the input amount is converted into a point charge amount, so that the insurance charge amount is displayed on the charge transfer success screen 524 of FIG. 8. However, if the balance is insufficient in the bank account of the user of the mobile terminal 200, since the transfer is not made and the insurance amount is not charged, the charge transfer rejection screen 525 of FIG. 8 is displayed. If the charge usage details are selected on the check amount screen 521, a charge usage details screen 526 is displayed which displays the amount paid when the insurance is signed up (S22).

As such, in order to pay the insurance premiums, the user does not pay the amount in the user's bank account but charges a certain amount of money. have.

When the insurance premium check is selected on the proxy driving insurance screen 501 by the mobile terminal user, the insurance check screen 532 is displayed on the display screen of the mobile terminal 200 on the premium result calculated by the proxy driving insurance server 140. (S24)

Therefore, the mobile terminal user to be insured can check the premium over time.

Figure 4 is to purchase the surrogate operation insurance through the mobile terminal, the insurance in detail among the short-term insurance services described above will be described in detail.

First, a user of a mobile terminal accesses the Internet 100 via a base station 210 and a mobile communication switch 220, selects a service related to insurance from a menu of the mobile terminal 200, and insists on the Internet 100 service. Access to the phone homepage server 120 of the insurance company to be subscribed to (S101) If the surrogate operation insurance is selected on the insurance company initial screen (not shown) displayed on the connected phone homepage server 120 (S102). 200 is wirelessly connected to the proxy driving insurance server 140. (S103)

When insurance is selected from the display screen provided by the proxy driving insurance server 140 connected from the mobile terminal 200 (S104), the proxy driving insurance server 140 immediately passes through the mobile communication switch 220, the location register (HLR). (S105) That is, the surrogate driver insurance server registers the subscriber's name, which is the registration information of the mobile terminal 225 received from the location register 225, and performs authentication. It is implemented to verify personal information about phone numbers, age, address, gender, contact information, family details, work name, occupation, social security number, etc.

Subsequently, the surrogate driving insurance server 140 receives the insured's phone number, the vehicle number, and the operating time required for the insurance through the mobile terminal 200 (S106). The surrogate driving insurance server 140 then receives the insurance. It is determined whether the insured subscriber to be enrolled in the insurance company or not (S107), if not the surrogate person surrogate operation insurance server 140 calculates the insurance premiums with reference to the history and operating time of the insured and (S108), if the evasive person, the surrogate operation insurance server 140 operates the SMS server 226 to transmit a non-insurance message to the SMS center (S111), and the surrogate driver's insurance non-insurance message from the SMS center. The mobile terminal 200 transmits the information to the mobile terminal 200. If the surrogate driving insurance server 140 is not the evasive person after determining the evasive person, the surrogate driving insurance server 140 charges and transfers the server to pay the calculated insurance premium. By Yu It is connected in. (S109)

The charge and transfer server connected by wire is a server connected to the bank common network 131, and when the charge balance of the surrogate operation insurance server 140 is higher than the insurance premium (S110), the surrogate operation insurance server 140 The insurance subscription data is stored in the insurance database (S113), the surrogate operation insurance server 140 operates the SMS server 226 and transfers the security number, vehicle number, subscription period, balance information to the SMS center. S114) The transmitted data is an SMS text message is sent to the mobile terminal 200 and the customer's mobile terminal 200 of the surrogate driver approved insurance in the SMS center. (S115, S116) If the premium is charged If the balance exceeds the surrogate operation insurance server 140 operates the SMS server 226 and delivers a message requesting the payment of the amount due to the lack of the balance to the SMS center. (S117) The mobile terminal of the surrogate driver again And transmits to 200. (S118). Here, the transmitted SMS text message is displayed on each mobile terminal 200 display screen.

As such, the insurance time can be reduced by directly checking the screen of the mobile terminal 200, and the subscription time can be reduced. In addition, since the mobile terminal user pays a premium for a small amount, the payment is made at a charged amount. The amount of money between the payment of fees and the amount of payment can be overcome.

As another embodiment of the present invention, as shown in Figure 5, through the call center can sign up for proxy insurance.

First, the customer calls the surrogate operation call center to request a surrogate operation (S201), the call center receives the customer's basic information by recording the phone number and vehicle number and the current customer's location. The information is transmitted to the PDA or mobile phone of the driver (S203), and the surrogate driver closest to the customer's starting position requests the call center. (S204) The surrogate driver assigned from the call center makes a detailed call by calling the customer. At step S205, the surrogate driver sends a pickup completion message to the call center server 110 at the pickup point of the customer. (S206) The call center server 110 receiving the message sends the customer information and the surrogate driver information to the surrogate driver insurance server ( 140) (S206) Here, the customer information includes not only the basic information but also the travel time. The proxy driver information refers to information authenticated through the mobile terminal 200.

On the basis of the surrogate driver information among the customer information and the surrogate driver information transmitted to the surrogate operation insurance server 140 determines whether or not the surrogate driver is the evacuated person registered by the insurer (S208), if not the surrogate person insurance The server 140 calculates a premium based on the history and service time of the insurance subscriber (S209), and if the evacuation person is a surrogate person, the surrogate driving insurance server 140 sends the insurance rejection data to the insurance company. By transmitting (S211) and at the same time operating the SMS server 226 transmits a non-insured message to the SMS center (S212), and transmits a non-insured message from the SMS center to the mobile terminal 200 of the surrogate driver. (S213) If the surrogate operation insurance server 140 is not the evaded person after the evasion person determination, the surrogate operation insurance server 140 is wired to the charge and transfer server to pay the calculated insurance premiums. (S210)

The charge and transfer server connected by wire is a server connected to the bank common network 131. When the charge balance of the surrogate operation insurance server 140 is large compared to the premium (S214), the surrogate operation insurance server 140 ) Stores the insurance data in the insurance database (S215), the surrogate operation insurance server 140 operates the SMS server 226 and transfers the security number, vehicle number, subscription period, balance information to the SMS center. (S216) The SMS data is sent to the mobile terminal 200 and the customer's mobile terminal 200 of the surrogate driver is approved for insurance in the SMS center (S217, S219). If the surplus balance exceeds surrogate operation insurance server 140 transmits the insurance rejection data due to insufficient charge balance to the call center server 110 (S218) and at the same time operating the SMS server 226 due to insufficient balance SMS message asking for money The message is transmitted to the center (S220). The message is transmitted back to the mobile terminal 200 of the surrogate driver. (S221) Here, the transmitted SMS text message is displayed on each mobile terminal 200 display screen.

After the surrogate driver completes the surrogate operation and presses the completion report button to the PDA or mobile phone (S223), all surrogate operation insurance services can be terminated.

As such, when using the call center to sign up for short-term insurance for surrogate operation, the customer directly connects to the surrogate driver, so that the customer does not need to know the contact information of the surrogate driver, and the surrogate driver directly transfers data through the mobile terminal 200. Since there is no need to input, the customer can solve the inconvenience of calling the surrogate driver directly, and also by passing the information to the surrogate operation insurance server 140 directly from the call center without insurance using the mobile terminal 200 This can save you time.

In the above, certain preferred embodiments of the present invention have been illustrated and described. However, the present invention is not limited to the above-described embodiment, and various modifications can be made by those skilled in the art without departing from the scope of the present invention as claimed in the claims. will be.

As described above, according to the present invention, since the mobile terminal 200 can be easily insured for short-term insurance, such as proxy driving insurance, and has a method of charging a subscription amount more than a predetermined amount, A small amount of payment can be made by solving a problem such as payment of a fee generated when making a payment.

In addition, since the connection between the customer and the deputy driver using the call center, when the mobile terminal 200 to sign up for surrogate operation short-term insurance by passing the information directly from the call center to the surrogate operation insurance server 140 without insurance. This can save you time.

Claims (6)

In the surrogate driver short-term insurance service method using a mobile terminal, When the surrogate driver accesses the surrogate operation insurance server through the mobile terminal to purchase surrogate operation insurance, the surrogate operation insurance server obtains and authenticates the registration information of the surrogate driver's mobile terminal and then authenticates the surrogate operation insurance server. Inputting subscription information necessary for insurance through a mobile terminal of a surrogate driver connected to; The proxy driver is queried based on the registered information authenticated to the mobile terminal of the proxy driver, and as a result of the inquiry, the proxy driving insurance server, when the proxy driver is not the evasive person, the history of the proxy driver's mobile terminal and Calculating insurance premiums based on driving time; Accessing a charge and transfer server to pay the premium, comparing the calculated balance with the charge balance of the charge and transfer server, and Databaseing a security number, a vehicle number, a subscription period, and balance information by the proxy driving insurance server when the charged balance is greater than the premium based on the comparison result; And transmitting, by the proxy driving insurance server, the surrogate driving insurance server to the mobile terminal of the surrogate driver by text through an SMS center. The subscribing approval information is also transmitted to the mobile terminal of the customer Short-term insurance service method for a surrogate driver using a mobile terminal. The method of claim 1, And in the step of inputting the subscription information, the subscription information comprises inputting an insured vehicle number of an insured person, a mobile terminal number of an insured person, and a subscription time. The method of claim 1, The payment for the insurance premium insurance agent short-term insurance service method using a mobile terminal, characterized in that the charged amount is converted into a payment. In the surrogate driver short-term insurance service method using a call center, The customer calling the call center to request a surrogate operation; Receiving, by the call center server, the request for the surrogate operation of the customer, recording the telephone number and the vehicle number which are basic information of the customer, and receiving the current location of the customer, and transmitting the location of the customer to the mobile terminal of the surrogate driver; Wow, The proxy driver closest to the departure point where the customer is located makes a request for placement to the call center server through a mobile terminal, and the proxy driver assigned by the call center server makes a telephone call to the customer to determine a detailed position; , After the call center server receives the customer's pickup completion message from the proxy driver, transmitting the customer information and the driver information to the proxy driving insurance server; The agent driver of the mobile terminal is inquired based on the information of the driver driver transmitted from the call center. When the agent driver of the mobile terminal is not the evacuation person, the agent driver insurance server moves the agent driver. Calculating a premium based on a history and a driving time of the terminal; Accessing a charge and transfer server to pay the premium, comparing the calculated balance with the charge balance of the charge and transfer server, and Databaseing a security number, a vehicle number, a subscription period, and balance information by the proxy driving insurance server when the charged balance is greater than the premium based on the comparison result; And transmitting, by the proxy driving insurance server, the surrogate driving insurance server to the mobile terminal of the surrogate driver by text through an SMS center. The approved information is a short-term insurance driver service method using a call center, characterized in that also transmitted to the customer's mobile terminal. The method of claim 4, wherein In the step of the call center server to send the customer information to the surrogate operation insurance server, the customer information is composed of a telephone number, a vehicle number, a running time and the agent information of the agent using a call center characterized in that the call center is configured to manage How to get driver short term insurance. The method of claim 4, wherein The payment for the insurance premium insurance agent short-term insurance service method using a call center, characterized in that the charged amount is converted into payment.

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