KR100994882B1

KR100994882B1 - Method and system for providing travel insurance service using roaming network

Info

Publication number: KR100994882B1
Application number: KR20080076590A
Authority: KR
Inventors: 이정호; 이황균
Original assignee: 주식회사 케이티
Priority date: 2008-08-05
Filing date: 2008-08-05
Publication date: 2010-11-16
Also published as: KR20100016934A

Abstract

The present invention includes the steps of detecting a visited network access signal generated when the mobile station arrives at the visited station by outbound roaming; And defining a travel insurance subscription point on the basis of the time when the visited network access signal is detected, and applying the travel insurance subscription point to perform travel insurance subscription processing for the subscriber of the mobile terminal. Disclosed is a method for providing a travel insurance service using a service.

Travel Insurance, Mobile Terminal, Outbound Roaming, Visiting Network, International Gateway Office

Description

Method and system for providing travel insurance service using roaming network {METHOD AND SYSTEM FOR PROVIDING TRAVEL INSURANCE SERVICE USING ROAMING NETWORK}

The present invention relates to a method and a system for providing a travel insurance service, and more particularly, to a travel insurance service providing method having a configuration for facilitating a procedure for joining an overseas travel insurance by using a mobile terminal supporting a roaming service; It's about that system.

Overseas travel insurance is an insurance product that guarantees the risk of diseases or accidents that may occur during overseas travel (tourism, business trips, etc.). It is distinguished from other insurances.

Normally, overseas travel insurance has various types of security to cover various risks such as injury, illness, liability, carry-on damage, hijacking of aircraft, etc. Through the online communication means, such as an unmanned terminal and a call center, the registration procedure for registering subscriber information and insurance period, etc. must be completed.

Recently, in order to provide convenience for travel insurance, a service for supporting travel insurance by using a mobile terminal has also been disclosed. In this regard, Korean Patent Laid-Open Publication No. 2004-10013 provides a voice guidance message for a travel safety insurance subscription through an ARS (Automatic Response System) center when a mobile terminal is connected through a mobile communication network and a mobile communication switching center. Disclosed is a travel safety insurance service method and system for receiving insurance data from a terminal for insurance coverage.

On the other hand, overseas travel insurance has a limitation that must go through the sign-up process before departure, there is an inconvenience to keep in mind when traveling abroad. In fact, most insurers have set the terms so that they can purchase overseas travel insurance only before they leave the country.

In addition, the conventional on / offline insurance subscription service can not accurately confirm the time of arrival of the visitor's visited country, there is a limit that can not be carried out in accordance with the travel insurance subscription conditions after departure.

The present invention was devised to solve the above problems, using a mobile terminal supporting roaming service to automatically check the arrival time of the visitor's visited country, and to carry out the process of applying this to the overseas travel insurance subscription procedure The purpose is to provide a travel insurance service providing method and a system thereof.

In order to achieve the above object, a method of providing a travel insurance service according to the present invention comprises the steps of: (a) detecting a visited network access signal generated when a mobile terminal arrives at a visited station by outbound roaming; (b) defining a travel insurance subscription time point based on a time point at which the visited network access signal is detected, and applying travel travel insurance subscription time point to perform travel insurance subscription processing for a subscriber of the mobile terminal; .

In step (a), it is preferable to detect the visited network access signal at an International Gateway MSC.

The step (a) may further comprise performing a subscriber authentication process for the mobile terminal.

In the step (b), the travel insurance subscription processing is performed to recognize the insurance efficacy from a time point of detecting the visited network access signal or a designated time before the time of detection, and calculates a premium from the time point at which the insurance effect is acknowledged to the termination point. It is desirable to charge.

When the mobile terminal is inbound, it is preferable to perform a process of automatically canceling the subscription of the traveler's insurance on the basis of when the mobile terminal accesses the home network.

According to another aspect of the invention, the step of detecting a visited network access signal generated when the mobile terminal of the traveler insurance subscriber to the visited station by the outbound roaming; Defining an insurance efficacy point of time so as to recognize insurance efficacy from a point in time at which the visited network access signal is detected or from a specified time before the point of time of detection, and applying the point of time of insurance effect to a traveler insurance subscriber management process; Provided is a travel insurance service providing method using a roaming network.

According to another aspect of the present invention, a visited network access recognition unit for recognizing a visited network access signal to an international gateway exchange station as the mobile terminal arrives at the visited station by outbound roaming; And a subscriber management processor that defines a travel insurance subscription time point based on a time point at which the visited network access signal is detected, and performs travel insurance insurance subscription processing for a subscriber of the mobile terminal by applying the travel insurance subscription time point. Provided is a travel insurance service providing system using a roaming network.

Preferably, the subscriber management processor performs the travel insurance subscription processing so as to recognize the insurance effect from a time point of detecting the visited network access signal or a designated time before the time of detection.

The travel insurance service providing system according to the present invention may further include a billing processing unit that calculates and charges a premium from a time point at which insurance efficacy is recognized to a termination point.

The travel insurance service providing system according to the present invention may further include a subscriber authentication processing unit for performing subscriber authentication for the mobile terminal through the international gateway exchange when the visited network access signal is detected.

Preferably, the subscriber management processor automatically cancels the subscription of the travel insurance based on the time when the mobile terminal is inbound and registered in the home location register of the home network.

According to the present invention, it is possible to automatically carry out travel insurance subscription processing for a mobile terminal subscriber using a roaming network, which provides an advantage of an insurance insurance procedure in case of an urgent or frequent overseas travel / business trip.

In addition, since the arrival time of the visitor's visited country can be accurately identified by the roaming network, it is possible to conveniently provide the insurance subscription service according to the conditions of the travel insurance after departure.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the specification and claims should not be construed as having a conventional or dictionary meaning, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

1 is a block diagram showing the relationship between the traveler insurance service system and the mobile communication system according to the present invention. 1 illustrates a state in which the mobile terminal 1 outbound roams from the mobile communication network A to the mobile communication network B. The mobile communication network (A, B) to which the present invention is applied is preferably a wideband code division multiple access (WCDMA) network or a global system for mobile telecommunication (GSM) network suitable for international roaming, but the present invention is not limited thereto. Of course.

1, a mobile communication network A and a mobile communication network B to which the present invention is applied include a base station transformer system (BTS) 10 and 20, a base station controller 11 and 21, and a switching station. (MSC: Mobile Switching Center) (12,22), Home Location Register (HLR) (13,23), Visitor Location Register (VLR) (14,24) and International Gateway Exchange (International) Gateway MSC) (15, 25).

The base station (BTS) (10, 20) is connected to the mobile terminal in a wireless section to perform communication, provide call processing, maintenance functions, and performs the process of assigning a pilot channel, paging channel, traffic channel, etc. .

The base station controller (BSC) 11, 21 manages the base station (BTS) 10, 20, and performs inter-cell handover processing, call control, and the like.

Switching stations (MSCs) 12 and 22 provide interface functions with base station controllers (BSCs) 11 and 21, and provide circuit switching between mobile communication subscribers, call channel switching, and interworking with external networks. The switching center (MSC) 12, 22 also has a function of exchanging information with the home location register (HLR) 13, 23 and the visitor location register (VLR) 14, 24, which store mobile communication subscriber information. Have

Home Location Register (HLR) 13, 23 is a database (DB) center that manages the subscriber's information including the current location information of the mobile terminal, and has a structure capable of real-time DB management. , Call processing routing information, authority information, etc. are managed. In addition, home location registers (HLRs) 13 and 23 manage various supplementary service information for subscriber mobile terminals. In particular, the home location register (HLR) 13 of the home network (mobile communication network A), when the mobile terminal 1 returns to the home network and registers the location by inbound, is transmitted to the travel insurance service system 100. Provide a service to notify.

The International Gateway Exchange Bureau (15,25) is in charge of various data processing and access functions between domestic and foreign exchange bureaus, and performs network interworking with foreign mobile telecommunications carrier networks or international telephone service provider networks. In particular, the international gateway exchange office 15 of the home network (mobile communication network A) detects a visited network access signal when the mobile terminal 1 arrives at the visited station and accesses the visited network (mobile communication network B), and the travel insurance service system ( 100) to provide a service for notifying.

On the other hand, the traveler insurance service system 100 according to the present invention is connected to the international gateway exchange office 15 and the home location register (HLR) 13 of the home network to the arrival time of the visited network and the return time of the home network of the mobile terminal 1. By recognizing and applying this to the traveler insurance subscriber management process, it provides the travel insurance automatic subscription and termination service for the subscriber of the mobile terminal (1).

2 shows a configuration of a traveler insurance service system 100 according to a preferred embodiment of the present invention.

Referring to FIG. 2, the traveler insurance service system 100 includes a visited network connection recognition unit 101, a subscriber authentication processor 102, a subscriber management processor 103, a billing processor 104, and a traveler insurance DB 105. Include.

The visited network connection recognition unit 101 is notified of the visited network connection status of the outbound roaming mobile terminal 1 from the international gateway exchange 15 to recognize the visited network connection time of the mobile terminal 1. .

The subscriber authentication processing unit 102 performs the subscriber authentication process for the mobile terminal 1 through the international gateway exchange office 15 when the visited network connection of the mobile terminal 1 is recognized. In addition, after the subscriber authentication is completed, the mobile terminal 1 may be provided with public information information SMS such as emergency information provided by the Ministry of Foreign Affairs and Trade or local embassy (such as weather disasters, terrorism, disturbance, etc.) or local call center contact information. Can be.

The subscriber management processor 103 defines the travel insurance subscription time based on the time when the visited network access signal is detected, and applies the travel insurance subscription time to the subscriber management process to perform travel insurance subscription processing for the subscriber of the mobile terminal. .

The subscriber management processor 103 performs the travel insurance subscription processing so as to recognize the insurance effectiveness from the time of detecting the visited network access signal. Alternatively, the subscriber management processor 103 may perform travel insurance subscription processing so as to recognize insurance effectiveness from a designated time (eg, 24 hours) before the time of detection of the visited network access signal. As such, when the insurance efficacy occurrence time is set to several hours before the detection time of the visited network connection signal, there is an advantage of guaranteeing an accident during flight or an accident at sea after departure.

In addition, the subscriber management processor 103 is notified of the location registration status of the mobile terminal 1 from the home location register 13, recognizes the return to the home network of the mobile terminal 1, and traveler insurance corresponding to the mobile terminal 1; Carry out the process of automatic termination of subscription.

The billing processing unit 104 performs a process of calculating and billing the premium through a multiplication of the daily premium in the period from the time point at which the insurance effect is recognized to the time of termination.

As shown in Fig. 3, the travel insurance DB 105 includes information on the subscriber, such as a subscriber's name and a mobile terminal's telephone number, and a travel insurance subscription such as the time of joining, the effective point of time, insurance period, destination, travel purpose, and subscription type. The information is stored.

Figure 4 shows the automatic travel insurance processing process carried out by the travel insurance service system according to a preferred embodiment of the present invention.

Referring to Fig. 4, when the mobile terminal 1 arrives at the visited network (mobile communication network B) and accesses the visited network (step S100), the connection state of the mobile terminal 1 is set to the international gateway exchange station 15 of the home network. And the international gateway exchange detects the visited network connection (steps S110 and S120).

Thereafter, the traveler insurance service system 100 is notified of the mobile terminal connection from the international gateway exchange office 15 to recognize the visited network connection (steps S130 and S140).

When the visited network connection of the mobile terminal 1 is recognized, the traveler insurance service system 100 performs a subscriber authentication process for the mobile terminal 1 through the International Gateway Exchange (15) (step S150), and authenticates the mobile terminal. The subscriber is subjected to travel insurance subscription processing (step S160). In the travel insurance subscription processing step, the subscriber management processor 103 of the traveler insurance service system 100 may receive the information to be stored in the traveler insurance DB 105 described above from the mobile terminal 1 and perform the subscription processing. . In this case, the travel insurance subscription time is set as the visited network access point of the mobile terminal 1, and the insurance efficacy generation time is set as the detection time of the visited network access signal or a specified time before the detection time.

According to another aspect of the present invention, the mobile terminal subscriber receives the necessary information for joining the travel insurance before leaving the country, and performs only a formal subscription process, and then the subscriber terminal becomes effective when the mobile terminal 1 recognizes the arrival of the visited network. Service may be provided. In this case, when the visited network access to the mobile terminal is recognized, an insurance effect time is defined so as to recognize the insurance effect from the time of detecting the visited network access signal or from a designated time before the detection time, and the time of generating the insurance effect By applying to the insurance insurance subscriber management process reflected in the insurance DB to provide travel insurance services. In the travel insurance subscriber management process, travel insurance subscription processing, travel insurance DB management, and termination processing are performed.

5 shows a process of automatically canceling travel insurance carried out by the travel insurance service system according to a preferred embodiment of the present invention.

5, after the mobile terminal 1 returns to the home network (mobile communication network A) (step S200), as shown in steps S210 to S235, the MSC 12 and the visitor location register (VLR) ( 14, a general location registration procedure for registering the current location of the mobile terminal with the home location register (HLR) 13 is performed.

The traveler insurance service system 100 recognizes the return point of the home network by being notified of the location registration status of the mobile terminal 1 from the home location register 13 (step S240), and the return point is traveler insurance DB management and termination processing. By applying it to the traveler insurance subscriber management process for performing such an operation, a process of automatically canceling traveler insurance for the subscriber of the mobile terminal 1 is performed (step S250).

Although the present invention has been described above by means of limited embodiments and drawings, the present invention is not limited thereto and will be described below by the person skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of the claims.

The following drawings, which are attached to this specification, illustrate preferred embodiments of the present invention, and together with the detailed description of the present invention serve to further understand the technical spirit of the present invention, the present invention includes matters described in such drawings. It should not be construed as limited to.

1 is a block diagram illustrating a coupling relationship between a traveler insurance service system and a mobile communication network according to the present invention.

2 is a block diagram of a travel insurance service system according to a preferred embodiment of the present invention.

FIG. 3 is a table illustrating data stored in the traveler insurance subscriber DB in FIG. 2.

4 is a flowchart illustrating a process in which automatic travel insurance subscription processing is performed by the method for providing travel insurance according to a preferred embodiment of the present invention.

FIG. 5 is a flowchart illustrating a process of automatically canceling travel insurance by a travel insurance service providing method according to an exemplary embodiment of the present invention.

100: travel insurance service system 101: visit network access recognition unit

102: subscriber authentication processor 103: subscriber management processor

104: billing processing unit 105: travel insurance DB

Claims

(a) detecting, at the International Gateway MSC, a visited network access signal generated when the mobile station arrives at the visited station by outbound roaming; And

(b) defining a travel insurance subscription time point based on a time point at which the visited network access signal is detected, and applying travel travel insurance subscription time point to perform travel insurance subscription processing for a subscriber of the mobile terminal; How to provide travel insurance service using roaming network.

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The method of claim 1, wherein in step (a),

And performing a subscriber authentication process with respect to the mobile terminal.

The method of claim 1, wherein in step (b),

Conducting the travel insurance subscription process so as to recognize insurance efficacy from a time point of detecting the visited network access signal or a specified time before the time point of detection;

A method of providing a travel insurance service using a roaming network, wherein the insurance premium is calculated and charged from the time point at which the insurance effect is recognized to the end point.

The method according to any one of claims 1, 3 or 4,

A method for providing a travel insurance service using a roaming network, characterized in that the mobile terminal automatically terminates the subscription of the travel insurance on the basis of when the mobile terminal accesses a home network by an inbound.

The method of claim 5,

And a mobile terminal automatically cancels the subscription of the traveler's insurance on the basis of the time when the mobile terminal registers the location in the home location register of the home network.

Detecting, by the International Gateway MSC, a visit network access signal generated when the mobile terminal of the traveler insurance subscriber arrives at the visited country by outbound roaming; And

Defining an insurance efficacy point of time so as to recognize the insurance effect from a time point of detecting the visited network access signal or a specified time before the time of detection, and applying the time point of insurance effect to the traveler insurance subscriber management process; How to provide travel insurance service using roaming network.

A visited network access recognizing unit for recognizing a visited network access signal at an international gateway switching center as the mobile terminal arrives at the visited station by outbound roaming;

A subscriber management processor defining a travel insurance subscription time point based on a time point at which the visited network access signal is detected and applying travel travel insurance subscription time point to perform a travel insurance subscription process for a subscriber of the mobile terminal; And

And a subscriber authentication processing unit configured to authenticate a subscriber to the mobile terminal through the international gateway exchange when the visited network access signal is detected.

The method of claim 8,

And the subscriber management processor is configured to perform the travel insurance subscription processing so as to recognize insurance benefits from a time point of detecting the visited network access signal or a specified time before the time of detection.

10. The method of claim 9,

Traveling insurance service system using a roaming network, characterized in that it further comprises; a billing processing unit for calculating and charging the premium from the time point of insurance efficacy recognition to termination.

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The method of claim 8,

The subscriber management processor automatically cancels the travel insurance subscription based on the time when the mobile terminal is inbound and registers a location in a home location register of a home network. .