KR101084292B1 - System and Method for Providing Insurance Policy to Specific Acount - Google Patents

Abstract

The present invention relates to a method and system for providing insurance policies corresponding to a specific account, and the method for providing insurance policies corresponding to a specific account according to the present invention is directed to a customer having a credit card payment account (or a specific billing account). Providing an insurance policy corresponding to an account, storing the insurance policy information in association with the customer information and the account information, and storing the insurance policy information in a storage medium; periodically checking the validity of the account, wherein the validity is not confirmed. In this case, the method includes automatically canceling the subscription to the insurance policy, and in response to the automatic termination of the insurance policy subscription, processing the settlement return for the premium paid.

Specific account, insurance policy

Description

System and Method for Providing Insurance Policy to Specific Acount}

1 is a diagram illustrating a face-to-face information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering account registration information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering account registration information in a non-face-to-face manner for registering a specific purpose account (specific billing account, specific card payment account, etc.) according to one embodiment of the present invention.

5 is a diagram illustrating an insurance policy providing system for providing an insurance policy for a customer having an account according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an implementation method in which a storage medium storing insurance subscription information corresponding to customer information (or account information) is provided in a DBMS on a financial system according to an embodiment of the present invention.

FIG. 7 illustrates an embodiment in which a storage medium storing insurance information corresponding to customer information (or account information) includes a database associated with a ledger D / B provided in a DBMS on a financial system, according to another embodiment of the present invention. A diagram illustrating the method.

8 is a diagram illustrating an insurance product subscription process for providing an insurance policy corresponding to an account used for a specific purpose according to one embodiment of the present invention.

9 is a diagram illustrating an insurance termination process due to failure of account validation after joining an insurance product according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a premium settlement process for insurance product operation according to an embodiment of the present invention.

11 is a diagram illustrating a process of refinancing an insurance rate according to an insurance termination rate according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: financial company server 505: information receiving unit

510: Information verification unit 515: Insurance subscription processing unit

520: information storage unit 525: validation unit

530: insurance termination processing unit 535: settlement processing unit

540: insurance rate processing unit 545: information provider

550: storage medium

The present invention provides an insurance policy corresponding to the account to a customer having a card payment account (or a specific billing account), and stores the insurance policy information in association with the customer information and the account information to be stored in a storage medium. And periodically checking the validity of the account, and if the validity is not confirmed, automatically canceling the subscription to the insurance policy, and in response to the automatic termination of the insurance policy, the premium paid The present invention relates to a method for providing an insurance policy corresponding to a specific account, which includes the step of processing the settlement refund for the account.

Weak accidents caused by various causes, such as the sale of over-the-counter drugs or incorrect drug storage by non-professionals, are often compensated with a reasonable amount of cash.

Above all, there is a problem that the pharmacist can bring financial and mental damages to the pharmacist, and physical and mental damages to the general public who visited the pharmacy.

On the other hand, it is time for financial institutions to offer new services, such as providing insurance policies, using their customers and the accounts they have.

An object of the present invention for solving the above problems is to provide an insurance policy corresponding to the account to a customer having a credit card payment account (or a specific billing account), and periodically to the account corresponding to the provided insurance policy Means for checking the validity of the insurance policy, and if the validity is not confirmed, automatically canceling the subscription to the insurance policy and processing the settlement return for the insurance premium paid in response to the automatic termination of the insurance policy subscription. And a means for calculating a rate at which the validity is not confirmed for a predetermined period of the customers who are provided with the insurance policy, and recalculating the insurance rate based on the calculated ratio. have.

An insurance policy providing method corresponding to a specific account according to the present invention provides a insurance policy corresponding to the account to a customer having a credit card payment account (or a specific billing account), and converts the insurance policy information into the customer information. And storing the data in a storage medium by linking with the account information, periodically checking the validity of the account, and automatically canceling the subscription to the insurance policy if the validity is not confirmed. In response to the automatic termination of the insurance policy, characterized in that it comprises the step of processing the settlement refund for the premium paid.

According to the present invention, the checking of the validity of the account may include changing the card payment account (or specific billing account) to an account of another financial institution, or the card payment account (or specific billing). Account) is not included for a certain period of time, or account cancellation (or cancellation) application for the card payment account (or specific billing account) is received, including one or more characterized in that it is made. .

The method may further include calculating a rate at which the validity is not confirmed for a predetermined period of time among the target customers of the insurance policy, and refining the insurance rate by applying the calculated rate to an existing insurance rate. do.

An insurance policy providing system corresponding to a specific account according to the present invention provides a insurance policy corresponding to the account to a customer having a card payment account (or a specific billing account), and periodically responds to the provided insurance policy. Means for checking the validity of the account, and, if the validity is not confirmed, automatically cancels the subscription to the insurance policy, and in response to the automatic termination of the insurance policy, And means for processing and calculating a rate at which the validity of the insurance policy target customers is not confirmed for a certain period of time, and refining the insurance rate based on the calculated rate.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a face-to-face information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined customer registers at least one of customer information and account information for registering a specific purpose account (specific billing account, specific card payment account, etc.) with an information registration system through a predetermined information registration interface. When providing the account registration information including the above, in the information registration system for the system configuration for storing the information stored in the predetermined storage medium 130 by linking the customer information, account information included in the provided account registration information, Those skilled in the art to which the present invention pertains, various implementations for the configuration of information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) by referring to or modifying this drawing 1 It will be appreciated that the method may be inferred, but the present invention includes all implementation methods inferred from the above, It shall be limited to methods.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing the account registration information provided from the customer on the storage medium 130 via a predetermined information registration interface on the information registration system shown in FIG. For convenience, it is referred to as "information registration server 100".

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) includes an employee terminal provided in at least one or more companies. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined dedicated network.

According to one embodiment of the present invention, the customer visits the company to register the account for the specific purpose (specific billing account, specific card payment account, etc.), and through the information registration window provided in the company (or At least for registering a certain application (eg, a specific purpose account (specific billing account, specific card payment account, etc.)) for registration of a specific purpose account (e.g., a specific billing account, a specific card settlement account, etc.) A document with a form for filling in one or more information items) and submitting the completed application to a teller, the teller enters (or selects) the information entered in the request through a given teller terminal. The window terminal transmits the input (or selected) information to the information registration server 100 provided on the information registration system through the dedicated network. It is preferable.

Here, the teller terminal preferably comprises an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 100 connected to the teller terminal is a server provided in the company (eg, a web). Server, etc.), wherein the dedicated network connecting the window terminal and the information registration server 100 includes an Internet or an intranet for connecting a communication channel between the window terminal and the information registration server 100. It is preferable.

In the information registration system as described above, the application created by the customer, the teller terminal used by the teller, and the dedicated network connecting the teller terminal and the information registration server 100 are used by the customer. Specific billing account, specific card payment account, etc.) to perform the function of the information registration interface for registering the account registration information to achieve registration.

The storage medium 130 provided on the information registration system according to the present invention links the customer information and account information included in the account registration information provided from the information registration terminal to a predetermined storage medium 130. Characterized in that the storage information, the account registration information including at least one or more of the customer information, account information stored in the storage medium 130 to register the account for a specific purpose (specific billing account, specific card payment account, etc.) To be used.

The customer information is the personal information of the customer (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the unique information of the customer (for example, uniquely given from a national (or public) institution) ID (or code) and member information of the customer (e.g., member ID information or CIF (Customer Information File) number given to the customer by the customer registering as a member customer of the information registration authority). It is preferable that it comprises at least one or more).

Preferably, the account information includes a specific billing account (eg, a health insurance billing account) held by the customer, and an account number corresponding to a specific card payment account.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined dedicated network, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined dedicated network, the information registration server 100 is a server provided on the information registration system connected to the window terminal through a predetermined dedicated network. (Or an apparatus or a program), whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the dedicated network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined private network, the interface unit 105 establishes a communication channel with the window terminal based on a protocol stack defined in the dedicated network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in the information registration related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account registration information from the information registration terminal and providing the information registration terminal to the information registration terminal; And an information receiving unit 115 which receives predetermined account registration information transmitted from the information registration terminal through the user interface in connection with the unit 105 and validates validity of the received account registration information. The validity confirming unit 120 to confirm and the customer information, the account information included in the account registration information is confirmed and stored in a predetermined storage medium 130 It is characterized by comprising an information storage unit 125 to.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Input (or select) account registration information to generate a predetermined user interface that can be transmitted to the information registration server 100 through the dedicated network, or to extract from a predetermined database (not shown), and the interface unit 105 And the user interface generated (or extracted) to the information registration terminal through the dedicated network.

According to another embodiment of the present invention, predetermined information registration having at least one user interface for inputting (or selecting) the account registration information to the information registration terminal and transmitting the account registration information to the information registration server 100 through the dedicated network. When the program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) account registration information including at least one of the customer information and account information based on the user interface, and sets the input (or selected) account registration information to the dedicated network. It transmits to the information registration server 100 through.

According to an embodiment of the present invention, when the information registration terminal is an employee terminal connected to a predetermined dedicated network, the interface providing unit 110 provides a predetermined user interface that can be provided by an information registration related program provided in the employee terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the employee terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) account registration information including at least one of customer information and account information through the user interface through the user interface, the information receiving unit 115 transmits the information through the dedicated network. And receiving the account registration information in conjunction with the), and provides the received account registration information to the validity verification unit 120.

The validity confirming unit 120 checks whether the account registration information received from the information registration terminal satisfies the validity for registering a specific purpose account (specific billing account, specific card payment account, etc.).

According to an embodiment of the present invention, the validity check of the account registration information includes registering at least one or more information matching the account registration information stored in the storage medium 130 associated with (or provided) the information registration system. It is preferable to include checking whether there is.

For example, the validation of the account registration information includes checking whether the customer information included in the account registration information matches information stored in the storage medium 130 associated with (or provided with) the information registration system. It is preferable to make.

In addition, the validity check on the account registration information confirms whether the account information included in the account registration information matches the ledger information (account ledger information) provided in the financial system associated with (or provided) the information registration system. It is preferable that it consists of including.

When the validity of the account registration information is confirmed, the information storage unit 125 is characterized in that the customer information, the account information included in the account registration information in association with the storage information stored in the storage medium 130, When the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 is included in the received account registration information. It is preferable to store the stored customer information and account information in the storage medium 130 by linking.

2 is a diagram illustrating a process of registering account registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 2, when the information registration server 100 on the information registration system shown in FIG. 1 is connected to an employee terminal through a predetermined dedicated network, the employee terminal is connected to the information registration server 100. After connecting and connecting a communication channel for information registration according to the present invention, and transmitting the account registration information including the customer information, account information to the information registration server 100 through the communication channel, the information registration The server 100 is an implementation method for linking and processing customer information and account information included in the received account registration information in a predetermined storage medium 130, which is commonly known in the art. If you have a person with reference to this figure 2 or modified to infer various implementation methods for registering the account registration information to the information registration server 100 in the employee terminal. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the employee terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 shown in FIG. 1 is referred to as a “server” for convenience, and the information registration is performed at the window terminal. The customer information and account information transmitted to the server 100 are referred to as "account registration information" for convenience.

Referring to FIG. 2, a window terminal shown in FIG. 1 connects to a server through a dedicated network, connects a predetermined communication channel for registering the account registration information, and establishes an account for a specific purpose. Requesting the registration of the account registration information for the registration of an account, a specific card payment account, etc. (200), the server generates (or extracts) a predetermined information registration interface for registering the account registration information (205), The generated (or extracted) information registration interface is transmitted to the terminal and output through the communication channel (210).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) account registration information including at least one of the customer information and account information in the terminal.

Thereafter, the terminal inputs (or selects) account registration information including at least one or more customer information and account information through the information registration interface (215).

If the terminal registers (or selects) the customer information and the account registration information including the account information through the information registration interface (220), the terminal inputs (or selects) the customer information through the private network; The account registration information including the account information is transmitted to the server (225).

Thereafter, the server checks the validity of the account registration information by receiving and reading the customer information and the account information through the dedicated network (230).

According to an embodiment of the present invention, the validation of the account registration information is at least one matching the account registration information on the storage medium 130 (or D / B) associated with (or provided) the information registration system. It is preferable to include checking whether the above information is registered.

For example, the validation of the account registration information includes checking whether the customer information included in the account registration information matches information stored in the storage medium 130 associated with (or provided with) the information registration system. It is preferable to make.

In addition, the validity check on the account registration information confirms whether the account information included in the account registration information matches the ledger information (account ledger information) provided in the financial system associated with (or provided) the information registration system. It is preferable that it consists of including.

If the validity of the account registration information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and does not perform the information registration procedure corresponding to the account registration information. Do not.

On the other hand, if the validity of the account registration information is authenticated (235), the server performs an information registration procedure corresponding to the account registration information, by linking the customer information and account information to a predetermined storage medium 130 Save (245).

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 ) May be provided in the DBMS or a predetermined database associated with the DBMS, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the account registration information transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates that at least one customer information or account information is used for a predetermined customer to register an account (specific billing account, specific card payment account, etc.) for the specific purpose with an information registration system through a predetermined information registration interface. When providing the account registration information including the above, the system configuration for storing the information stored in a predetermined storage medium 330 by linking the customer information, account information included in the provided account registration information in the information registration system, Those skilled in the art to which the invention pertains, various implementation methods for the configuration of information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) by referring to or modifying this figure 3 It may be inferred from the law, but the present invention includes all implementation methods inferred from the above, It shall be limited to methods.

Hereinafter, components corresponding to at least one or more means or functional configuration for storing the account registration information provided from the customer on the storage medium 330 via a predetermined information registration interface on the information registration system shown in FIG. For convenience, it is referred to as "information registration server 300".

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for registering a specific purpose account (specific billing account, specific card payment account, etc.) includes at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal including at least one or more client terminals and the like, wherein the information registration terminal comprises an information registration server 300 provided on the information registration system through a predetermined network means. The communication channel is connected.

According to an embodiment of the present invention, the customer accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When entering (or selecting) account registration information for registering the specific purpose account (specific billing account, specific card payment account, etc.) through at least one user interface provided by the registration server 300, the client terminal It is preferable to transmit to the information registration server 300 provided on the information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the information registration server 300. The customer performs a function of an information registration interface for registering the account registration information for registering the account for the specific purpose (specific billing account, specific card payment account, etc.).

The storage medium 330 provided on the information registration system according to the present invention is linked to the customer information and account information included in the account registration information provided from the information registration terminal to a predetermined storage medium 330. Characterized in that the storage information, the account registration information including at least one or more of the customer information, account information stored in the storage medium 330 to register the account of the specific purpose (specific billing account, specific card payment account, etc.) To be used.

The customer information is the personal information of the customer (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the unique information of the customer (for example, uniquely given from a national (or public) institution) ID (or code) and member information of the customer (e.g., member ID information or CIF (Customer Information File) number given to the customer by the customer registering as a member customer of the information registration authority). It is preferable that it comprises at least one or more).

Preferably, the account information includes a specific billing account (eg, a health insurance billing account) held by the customer, and an account number corresponding to a specific card payment account.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 May be a predetermined database associated with the DBMS, whereby the present invention is not limited thereto.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based application program) provided by the information registration server 300, the interface unit 305 and the client terminal based on the CDMA protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined account registration information from the information registration terminal to provide the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined account registration information transmitted from the information registration terminal through the user interface in connection with the unit 305 and the account included in the received account registration information; It is characterized in that it comprises an information storage unit 325 for storing in a predetermined storage medium 330 by linking the customer information, account information.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) account registration information and transmit it to the information registration server 300 through the network means, or extract from a predetermined database (not shown), and extract the interface unit ( In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) account registration information including at least one of the customer information and account information based on the user interface, and inputs the input (or selected) account registration information to the network means. It transmits to the information registration server 300 through.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the account registration information to the information registration terminal and transmitting the account registration information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) account registration information including at least one of customer information and account information through the user interface through the user interface, and transmits the information through the network means. And the account registration information in connection with 305, and provides the received account registration information to the validity verification unit 320.

The validity verification unit 320 is characterized in that whether the account registration information received from the information registration terminal satisfies the validity for registering a specific purpose account (specific billing account, specific card payment account, etc.).

According to an embodiment of the present invention, the validation of the account registration information is at least one matching the account registration information to the storage medium 330 (or D / B) associated with (or provided) the information registration system It is preferable to include checking whether the above information is registered.

For example, the validation of the account registration information includes checking whether the customer information included in the account registration information matches the information stored in the storage medium 330 associated with (or provided with) the information registration system. It is preferable to make.

In addition, the validity check on the account registration information confirms whether the account information included in the account registration information matches the ledger information (account ledger information) provided in the financial system associated with (or provided) the information registration system. It is preferable that it consists of including.

When the validity of the account registration information is confirmed, the information storage unit 325 is characterized in that the customer information, the account information included in the account registration information and the processing information stored in the storage medium 330, When the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit 325 is included in the received account registration information. It is preferable to store the stored customer information and account information in the storage medium 330 by linking.

4 is a diagram illustrating a process of registering account registration information in a non-face-to-face manner for registering a specific purpose account (specific billing account, specific card payment account, etc.) according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 and connecting the communication channel for information registration according to the present invention, the account registration information including the customer information, account information to the information registration server 300 through the communication channel When the transmission, the information registration server 300 relates to an embodiment of the present invention to the customer information, the account information included in the received account registration information, the accounting information is stored in a predetermined storage medium 330, the present invention belongs to If the person skilled in the art, refer to or modify the present Figure 4 to the information registration server 300 from the client terminal to the account, etc. Various implementation methods for registering the lock information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information and account information transmitted to the server 300 is referred to as "account registration information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile Connect a predetermined communication channel for registering the account registration information by accessing the server through a communication network or an IEEE 802.16x-based portable Internet, and the like, and for the specific purpose account (specific billing account, specific card payment account, etc.). When requesting to register the account registration information for registration (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the account registration information (405), and the communication channel. The generated (or extracted) web page is transmitted to the terminal through the output (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) account registration information including at least one of the customer information and account information in the terminal.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the account registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) account registration information including at least one or more customer information and account information through the information registration interface (415).

If the terminal registers (or selects) the account information including the customer information and the account information through the information registration interface (420), the terminal inputs the customer information (or selected) through the communication channel. The account information is transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selected) customer information and account information to the server through the communication channel may include the account registration information input (or selected) through the information registration interface. The method may further include transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information and the account information through the communication channel to check the validity of the account registration information (430).

According to the exemplary embodiment of the present invention, checking the validity of the account registration information may include decrypting the account registration information when the account registration information is electronically signed or encrypted through a security module provided in the terminal, or It may further comprise decoding the account registration information.

According to an embodiment of the present invention, the validation of the account registration information is at least one matching the account registration information on the storage medium 330 (or D / B) associated with (or provided) the information registration system. It is preferable to include checking whether the above information is registered.

For example, the validation of the account registration information includes checking whether the customer information included in the account registration information matches the information stored in the storage medium 330 associated with (or provided with) the information registration system. It is preferable to make.

In addition, the validity check on the account registration information confirms whether the account information included in the account registration information matches the ledger information (account ledger information) provided in the financial system associated with (or provided) the information registration system. It is preferable that it consists of including.

If the validity of the account registration information is not authenticated (435), the server generates a web page including the predetermined information registration error information and transmits it to the terminal (440), the information corresponding to the account registration information Do not perform the registration process.

On the other hand, if the validity of the account registration information is authenticated (435), the server performs the information registration procedure corresponding to the account registration information, by linking the customer information, account information to a predetermined storage medium 330 Save (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 May be a predetermined database provided in the DBMS or linked thereto, and the present invention is not limited thereto.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the account registration information transmitted from the terminal.

5 is a diagram illustrating an insurance policy providing system for providing insurance policy to a customer having an account according to an embodiment of the present invention.

In more detail, FIG. 5 shows that after a customer registers an account (for example, an account including a condition used for a specific purpose) by a predetermined customer through the information registration system shown in FIG. 1 or 3, The system is configured to provide an insurance policy corresponding to the account to a customer who registers an account used for the specific purpose by interworking with a predetermined insurance company server in the financial company server 500 linked to the information registration system. If one of ordinary skill in the art to which the present invention belongs, one can infer various implementation methods for constructing an insurance policy providing system for providing insurance policy corresponding to a specific account by referring to and / or modifying the drawing 5. It will be appreciated that the present invention includes all implementation methods inferred and is limited to the implementation method illustrated in FIG. It does not.

Hereinafter, the customer information and account information are received from the information registration server on the information registration system shown in FIG. 1 or 3 on the insurance policy providing system shown in FIG. 5, and the account is provided with the insurance policy providing system. In the case of an account issued by the financial institution, it is determined that the account is issued by the financial institution, and in connection with a predetermined insurance company server, an insurance corresponding to the customer and an insurance policy corresponding thereto are issued, and the customer information (or account) And at least one means for storing in the storage medium 550 in association with the information), periodically paying and operating the premium, and refinancing the insurance rate according to the account usage status (or performance) of the customer; Or the component corresponding to the functional configuration is referred to as "financial company server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, an insurance policy providing system for providing an insurance policy service includes a customer provided from one or more customers through the process of FIG. 6 or FIG. 4 to the financial institution server 500. An information registration server providing information and account information, and receiving the customer information and account information from the information registration server, checking whether the account is an account issued by a financial institution equipped with the insurance policy providing system, In the case of an account issued by an institution, an insurance corresponding to the customer and an insurance policy corresponding to the customer are issued in connection with a predetermined insurance company server, and processed in association with the customer information (or account information) and stored in the storage medium 550. Pays the premium on a regular basis and operates according to the account usage status (or performance) of the customer. A bank server, including the property determined 500, the insurance company server that works in conjunction with the financial company server 500 processing the insurance sign-up and insurance policy issued on the client characterized in that formed.

According to an embodiment of the present invention, the financial company server 500 and the information registration server may be provided in one system or implemented as one server, and the financial company server 500 and the insurance company server may be one. It may be provided in the system or implemented as one server, and the present invention includes the above embodiments, but is not limited thereto.

As shown in FIG. 1 or FIG. 3, the information registration server is configured to allow a predetermined customer to register customer information for registering a specific purpose account (specific billing account, specific card payment account, etc.) through a predetermined information registration interface. If the account registration information including at least one account information is provided, the customer information included in the provided account registration information, the account information is provided on the information registration system for storing in a predetermined storage medium 550 by linkage processing; A component corresponding to at least one or more means or functional configuration for storing the account registration information provided from the customer on the storage medium 550 through a predetermined information registration interface on the information registration system. It is characterized by including.

The storage medium 550 provided on the insurance policy providing system according to the present invention is the customer information and account information provided from the information registration server, insurance product operation information generated by the customer's insurance, and insurance At least one subscription information, insurance cancellation history information, premium processing information, characterized in that for storing.

The customer information is the personal information of the customer (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the unique information of the customer (for example, uniquely given from a national (or public) institution) ID (or code) and member information of the customer (e.g., member ID information or CIF (Customer Information File) number given to the customer by the customer registering as a member customer of the information registration authority). It is preferable that it comprises at least one or more).

Preferably, the account information includes a specific billing account (eg, a health insurance billing account) held by the customer, and an account number corresponding to a specific card payment account.

The insurance product operation information is a general term for information for managing and operating the insurance product to which the customer is subscribed through a predetermined financial account, and may be variously modified according to the characteristics and attributes of the insurance product.

According to an exemplary embodiment of the present invention, the insurance product operation information may include insurance policy information corresponding to the insurance product (for example, insurance policy attribute including a predetermined policy number and the premium, insurance rate, insurance policy, subscription period, etc.). It is preferable to comprise).

In addition, the insurance product management information preferably further comprises insurance product basic information including a predetermined insurance product name corresponding to the insurance product, various additional attributes of the insurance product and the insurance product management institution.

Those skilled in the art to which the present invention pertains can easily infer the construction of the insurance product operation information corresponding to the insurance product features and attributes, so a detailed description thereof will be omitted for convenience.

The insurance rate processing information may be changed from one of the customers provided with the insurance policy to an account of another financial institution, or the transaction history for the account does not exist for a certain period of time, or the account is canceled (or canceled). Or termination) characterized in that it comprises the insurance rate information that is recalculated in response to the proportion of customers received the application.

According to an embodiment of the present invention, the storage medium 550 is preferably provided in a DBMS on a financial system provided on the insurance policy providing system (or associated with the insurance policy providing system). The storage medium 550 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 550 is provided on (or associated with) the insurance policy providing system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 500 provided on the insurance policy providing system according to the present invention is a generic term for the insurance policy providing system-side components connected to the customer terminal through a predetermined network means, and includes at least one server (or device). ) And / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

Referring to FIG. 5, the financial institution server 500 may include an information receiver 505 that receives (or confirms) customer information and account information transmitted from the information registration server or stored in the storage medium 550. (Or confirmed) by comparing the customer information and account information with the ledger information on the financial system, the information verification unit 510 to confirm whether the account issued by a financial institution provided with the financial institution server 500, and the verification result The insurance information processing unit 515, which processes insurance subscription corresponding to the customer (or account) in association with a predetermined insurance company server, and insurance policy information generated (or issued) according to the insurance insurance process; (Or account information) and the information storage unit 520 to be stored in the storage medium 550 in association with the process, the validity check unit 525 to periodically check the validity of the account associated with the insurance policy, and If the validation is not successfully performed according to the validation result, an insurance revocation processing unit 530 which performs revocation processing for the subscribed insurance in connection with the insurance company server, and premiums paid according to the termination of insurance, etc. Checking, the settlement processing unit 535 for performing the settlement process for the overpaid premium, and the insurance rate processing unit for refinancing the insurance rate based on the customer's insurance cancellation history for a certain period (for example, one year) ( And 540.

The information receiving unit 505 may receive one or more customer information and account information transmitted from the information registration server, and the storage medium 550 in which the customer information and the account information are stored may be the financial company server 500. In the case where the financial institution server 500 is interlocked with the storage medium 550, the financial institution server 500 checks (or extracts) customer information and account information stored in the storage medium 550. Or received or extracted) customer information and account information are provided to the information verification unit 510 and insurance processing unit 515.

When the customer information and the account information are received (or confirmed or extracted) through the information receiving unit 505, the information checking unit 510 receives the received (or confirmed or extracted) customer information and account information from the financial company server ( The account information of the customer is compared with the ledger information on the financial system linked with 500, characterized in that whether the account issued through the account issuance system linked to the financial system, characterized in that the account issuance check details The subscription processing unit 515 is provided.

The insurance subscription processing unit 515 processes insurance subscription corresponding to the customer (or account) in connection with a predetermined insurance company server according to the account issuance confirmation details of the information confirmation unit 510.

According to the implementation method of the present invention, the insurance to be covered in response to the customer (or account) is requested by the specific group (or group) to which the customer belongs, or the group (or group) that provides the customer information and account information. Or it is characterized in that the insurance product required.

For example, when the customer is a pharmacist, the customer information and account information providing group may be a pharmacist society to which the customer belongs as a member, wherein the insurance product may be weakened insurance for pharmacists, but is not limited thereto. Do not.

According to the implementation method of the present invention, if the account issuance check result of the information verification unit 510, the insurance insurance procedure is no longer performed when the customer's account is not an account issued to the financial institution.

The information storage unit 520 is a predetermined insurance product that is generated (or extracted) in accordance with the insurance processing, if the insurance corresponding to the customer (or account) is successfully made through the insurance processing unit 515 The operation information is stored in the storage medium 550 in association with the customer information (or account information).

Here, the insurance product management information is a general term for information for managing and operating the insurance product to which the customer is subscribed through a predetermined financial account, and is preferably modified in various ways according to the characteristics and attributes of the insurance product. Do.

According to an exemplary embodiment of the present invention, the insurance product operation information may include insurance policy information corresponding to the insurance product (for example, insurance policy attribute including a predetermined policy number and the premium, insurance rate, insurance policy, subscription period, etc.). It is preferable to comprise).

In addition, the insurance product management information preferably further comprises insurance product basic information including a predetermined insurance product name corresponding to the insurance product, various additional attributes of the insurance product and the insurance product management institution.

Those skilled in the art to which the present invention pertains can easily infer the construction of the insurance product operation information corresponding to the insurance product features and attributes, so a detailed description thereof will be omitted for convenience.

The validity confirming unit 525 periodically checks the validity of the account associated with the insurance policy after the insurance subscription process and the insurance policy are issued.

According to an embodiment of the present invention, verifying the validity of the account may include changing the account (for example, a credit card payment account or a specific billing account) to an account of another financial institution, or performing a transaction on the account. It is characterized in that the details do not exist for a certain period of time, or whether the request for account termination (or cancellation or termination) for the account has been received.

When the insurance cancellation processing unit 530 does not successfully validate according to the validity verification result of the validity verification unit 525, the insurance cancellation processing unit 530 performs a termination process for the subscribed insurance in connection with the insurance company server. The insurance termination process is provided to the settlement processing unit 535 and insurance rate processing unit 540.

The settlement processing unit 535 checks the premiums paid in accordance with the insurance termination processing of the insurance termination processing unit 530 at a predetermined settlement time between the insurance companies, and performs settlement processing for the premiums paid. It is characterized by.

For example, if the insurance period is one year, when the customer changes the account or terminates the insurance in the middle of the insurance, the insurance premium (overpayment premium) paid after the insurance termination date at the time of insurance expiration is checked, and the insurance company The settlement operation that is refunded (or refunded) from the server is performed through the settlement processing unit 535.

The insurance rate processing unit 540 is characterized by re-defining a predetermined insurance rate, based on the insurance cancellation history of the customer for a certain period (or during a certain period).

According to an embodiment of the present invention, the ratio of the customers who have received the first insurance policy and the customers who have been insured in the middle of the insurance is characterized in that the predetermined insurance rate is redefined according to the confirmed ratio.

For example, by lowering or increasing premium rates, you can minimize premium risks incurred by customers who are insured.

In addition, referring to Figure 5, the financial institution server 500 is the insurance subscription processing history (or insurance certificate provisions), insurance cancellation processing details, such as customer communication means (for example, text messages, e-mail, telephone, fax) , Blog, homepage, mini homepage, messenger, etc.) may be configured to further include an information providing unit 545 provided.

6 is a diagram illustrating an implementation method in which a storage medium 550 for storing insurance information corresponding to customer information (or account information) is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, FIG. 6 shows the storage medium 550 illustrated in FIG. 5 in the ledger D / B when the storage medium 550 is provided in the DBMS on the financial system or in the ledger D / B. The information structure for one embodiment of the method of storing the insurance information is stored in the ledger information, if the person having ordinary knowledge in the technical field to which the present invention pertains, refer to and / or modify the present invention 6 ledger Although various information construction methods for storing the insurance information in D / B may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 6 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and the insurance shown in Figure 5 The account ledger corresponding to the financial product subscribed to through the securities providing system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the system includes at least one ledger (for example, a ledger, a loan ledger, a secured ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included for maintenance and management, and the technical details of Since there, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is connected to the customer ledger in a relational manner, the account ledger corresponding to the financial product, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction amount, interest rate accounting, flat consolidation It includes at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc., and includes the account number, abstention (month), period (days), and extension of the account ledger. Periodic receipt information including at least one expiration date and a target amount, and / or a trust including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Receiving information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), combination transaction, date of payment, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the storage medium 550 is the ledger D / B or the present invention including the implementation method provided in the ledger D / B. And insurance information including at least one of the customer information, the account information, and the insurance product operation information included in the insurance application information provided through a security provision system, in the form of additional information added to the account ledger. do.

The customer information is the personal information of the customer (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the unique information of the customer (for example, uniquely given from a national (or public) institution) ID (or code) and member information of the customer (e.g., member ID information or CIF (Customer Information File) number given in correspondence with the customer by registering the customer as a member customer of the information registration authority). Etc.) It is preferable to include at least one or more.

Preferably, the account information includes a specific billing account (eg, a health insurance billing account) held by the customer, and an account number corresponding to a specific card payment account.

The insurance product operation information is a general term for information for managing and operating the insurance product to which the customer is subscribed through a predetermined financial account, and may be variously modified according to the characteristics and attributes of the insurance product.

According to an exemplary embodiment of the present invention, the insurance product operation information may include insurance policy information corresponding to the insurance product (for example, insurance policy attribute including a predetermined policy number and the premium, insurance rate, insurance policy, subscription period, etc.). It is preferable to comprise).

In addition, the insurance product management information preferably further comprises insurance product basic information including a predetermined insurance product name corresponding to the insurance product, various additional attributes of the insurance product and the insurance product management institution.

Those skilled in the art to which the present invention pertains can easily infer the construction of the insurance product operation information corresponding to the insurance product features and attributes, so a detailed description thereof will be omitted for convenience.

According to another embodiment of the present invention, the insurance application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

7 illustrates a database in which a storage medium 550 storing insurance information corresponding to customer information (or account information) is associated with the ledger D / B provided in a DBMS on a financial system, according to another embodiment of the present invention. It is a figure which shows the implementation method containing.

In more detail, FIG. 7 illustrates an information structure for an embodiment in which the storage medium 550 illustrated in FIG. 5 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the insurance subscription information in association with the ledger D / B in a predetermined database by referring to and / or modifying the drawing 7 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 7 illustrates a case in which it is not easy to store the insurance insurance information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution indicates the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the insurance information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 7 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 7, and the database on the Internet banking system according to the intention of the skilled person, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 7, the storage medium 550 includes a database associated with the ledger D / B provided in the DBMS on the financial system. And insurance information including at least one of customer information, financial account information, and insurance product operation information included, wherein the insurance information is registered in order to be processed in connection with the ledger D / B. Preferably, the information further includes a CIF number corresponding to the ledger information.

The customer information is the personal information of the customer (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the unique information of the customer (for example, uniquely given from a national (or public) institution) ID (or code) and member information of the customer (e.g., member ID information or CIF (Customer Information File) number given to the customer by the customer registering as a member customer of the information registration authority). It is preferable that it comprises at least one or more).

Preferably, the account information includes a specific billing account (eg, a health insurance billing account) held by the customer, and an account number corresponding to a specific card payment account.

The insurance product operation information is a general term for information for managing and operating the insurance product to which the customer is subscribed through a predetermined financial account, and may be variously modified according to the characteristics and attributes of the insurance product.

According to an exemplary embodiment of the present invention, the insurance product operation information may include insurance policy information corresponding to the insurance product (for example, insurance policy attribute including a predetermined policy number and the premium, insurance rate, insurance policy, subscription period, etc.). It is preferable to comprise).

In addition, the insurance product management information preferably further comprises insurance product basic information including a predetermined insurance product name corresponding to the insurance product, various additional attributes of the insurance product and the insurance product management institution.

Those skilled in the art to which the present invention pertains can easily infer the construction of the insurance product operation information corresponding to the insurance product features and attributes, so a detailed description thereof will be omitted for convenience.

8 is a diagram illustrating an insurance product subscription process for providing an insurance policy corresponding to an account used for a specific purpose according to one embodiment of the present invention.

In more detail, FIG. 8 shows that after a customer registers an account (for example, an account including a condition used for a specific purpose) by a predetermined customer through the information registration system shown in FIG. 1 or 3, In the process of providing an insurance policy corresponding to the account to a customer who registered an account used for the specific purpose by interworking with a predetermined insurance company server in the financial company server 500 linked to the information registration system. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for providing insurance and insurance policy corresponding to a specific account. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the financial institution server 500 shown in FIG. 5 is referred to as a “server” for convenience.

Referring to FIG. 8, the embodiment may be started from a process of receiving at least one customer information and account information transmitted from the information registration server at a server (800).

According to the exemplary embodiment of the present invention, when the storage medium 550 in which the customer information and the account information are stored is provided in the server, or when the server is linked with the storage medium 550, the server may store the storage medium ( It is preferable to check (or extract) the customer information and the account information stored in 550.

When the customer information and the account information is received (or confirmed or extracted), the server compares the received (or confirmed or extracted) customer information and account information with the ledger information on the financial system linked with the financial company server 500 In operation 805, the customer's account information is an account issued through an account issuance system associated with the financial system.

If the customer's account information is not an account issued through the account issuance system associated with the financial system (810), the server terminates the insurance policy issuance and provision process according to the present invention.

On the other hand, if the account information of the customer is an account issued through the account issuance system linked to the financial system (810), the server in connection with a predetermined insurance company server to sign up for insurance corresponding to the customer (or account) Process 815.

According to the implementation method of the present invention, insurance to be processed in correspondence with a customer (or account) is requested by a specific group (or group) to which the customer belongs, or a group (or group) that provides the customer information and account information. Or it is characterized in that the insurance product required.

For example, when the customer is a pharmacist, the customer information and account information providing group may be a pharmacist society to which the customer belongs as a member, wherein the insurance product may be weakened insurance for pharmacists, but is not limited thereto. Do not.

In the insurance subscription processing process, the server generates (or extracts) the predetermined insurance product operation information in association with the insurance company server, wherein the insurance product operation information includes a predetermined finance for the insurance product to which the customer is subscribed. As a general term for information for managing and operating through an account, it is preferable to carry out various modifications according to the characteristics and attributes of the insurance product.

According to an exemplary embodiment of the present invention, the insurance product operation information may include insurance policy information corresponding to the insurance product (for example, insurance policy attribute including a predetermined policy number and the premium, insurance rate, insurance policy, subscription period, etc.). It is preferable to comprise).

In addition, the insurance product management information preferably further comprises insurance product basic information including a predetermined insurance product name corresponding to the insurance product, various additional attributes of the insurance product and the insurance product management institution.

Those skilled in the art to which the present invention pertains can easily infer the construction of the insurance product operation information corresponding to the insurance product features and attributes, so a detailed description thereof will be omitted for convenience.

Subsequently, when the insurance subscription corresponding to the customer (or account) is successfully performed, the server stores predetermined insurance product operation information generated (or extracted) in accordance with the insurance subscription process and the customer information (or account information). Cooperative processing is stored in the storage medium 550 (820), the insurance subscription details and the insurance policy details of the customer communication means (e.g., text message, e-mail, telephone, fax, blog, homepage, mini homepage, messenger) Etc.) (825).

9 is a diagram illustrating an insurance termination process due to failure of account validation after joining an insurance product according to an exemplary embodiment of the present invention.

In more detail, FIG. 9 is connected to a predetermined insurance company server in the financial company server 500 through the process of FIG. 8 to receive an insurance policy corresponding to the account from a customer who registers an account used for the specific purpose. After providing, in the process of periodically checking the validity of the account of the customer, the process of revoking the insurance corresponding to the customer whose account is not validated, the general knowledge in the technical field to which the present invention belongs For those who have the same, it is possible to infer various implementation methods for the insurance termination process due to the failure of validating the account with respect to the insurance corresponding to a specific account by referring to and / or modifying the drawing 9, but the present invention Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the financial institution server 500 shown in FIG. 5 is referred to as "server" in FIG.

After the insurance subscription process corresponding to the customer (or account) is completed through the process of FIG. 8, and the insurance policy is issued for this, the server periodically checks the validity of the account associated with the insurance policy. (900).

According to an embodiment of the present invention, verifying the validity of the account may include changing the account (for example, a credit card payment account or a specific billing account) to an account of another financial institution, or performing a transaction on the account. It is characterized in that the details do not exist for a certain period of time, or whether the request for account termination (or cancellation or termination) for the account has been received.

As a result of the validity check, if the validity check is not normally performed as described above (905), the server performs a cancellation process for the subscribed insurance in association with the insurance company server (910).

Subsequently, the server processes predetermined insurance termination processing history information generated (or extracted) according to the insurance termination process in association with the customer information (or account information) and stores it in the storage medium 550 (915). Insurance termination processing details are provided to the customer communication means (eg, text message, e-mail, telephone, fax, blog, homepage, mini homepage, messenger, etc.) (920).

10 is a diagram illustrating a premium settlement process for insurance product operation according to an embodiment of the present invention.

In more detail, Figure 10 is a process for checking the overpayment premiums caused by the customer to be insured through the process of Figure 8 during the predetermined period, the settlement is made for the overpayment premium, the present invention Those skilled in the art will be able to infer various implementation methods for the insurance settlement process according to the termination of insurance by referring to and / or modifying the present figure 10, the present invention is all inferred practice It includes a method, and is not limited to the implementation method shown in FIG.

Hereinafter, the financial institution server 500 shown in FIG. 5 is referred to as "server" in FIG.

Referring to FIG. 10, when the server checks the insurance cancellation history for a predetermined period in association with the storage medium 550 (1000), and if the insurance cancellation history is confirmed from the storage medium 550 (1005), The server checks the premium paid due to termination of insurance in connection with the insurance company server (1010).

For example, if the insurance period is one year, when the customer changes the account or terminates the insurance in the middle of the insurance, the insurance premium (overpayment premium) paid after the insurance termination date at the time of insurance expiration is checked, and the insurance company It is preferable that a settlement operation for receiving a refund (or refund) from the server is performed.

When the overpaid premium is confirmed, the server receives the overpaid premium from the insurer and settles the payment (1015), and stores the settlement processing details in the storage medium (550) (1020).

11 is a diagram illustrating a process of refinancing an insurance rate according to an insurance termination rate according to an embodiment of the present invention.

In more detail, Figure 11 relates to the process of refinancing the insurance rate according to the rate of termination of insurance through the process of Figure 8, if one of ordinary skill in the art to which the present invention belongs, refer to this figure And / or modified to infer various implementation methods for the insurance rate refining process according to the insurance termination rate, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

The server checks the insurance subscription history and insurance cancellation history for a predetermined period in conjunction with the storage medium 550 (1100), and calculates an insurance cancellation rate based on the confirmed insurance subscription history and insurance cancellation history (1105). .

When the insurance termination rate is calculated (1110), the insurance insurance rate is recalculated by applying the calculated insurance termination rate to an existing insurance rate (1115).

According to the implementation method of the present invention, by lowering or increasing the insurance rate, it is possible to minimize the premium risk caused by the customers who terminate the insurance in the middle.

When the insurance rate is redefined, the server stores the insurance rate redefined in the storage medium 550 (1120).

According to the present invention, there is an advantage that it is possible to preempt the industry and secure customers in the field of weakened accident insurance services.

In addition, there is an advantage in that it is possible to improve the current image by preparing a positive treatment base for the treatment of negative weakening accidents.

Claims (4)

In the method of providing an insurance policy using a financial company server linked to the insurance company server, Receiving, by the financial company server, account information for a card payment account (or a specific billing account) and customer information corresponding to the account from an information registration terminal; Processing insurance subscription corresponding to the customer information and the account information in association with the insurance company server; Providing, by the financial company server, an insurance policy generated according to the insurance subscription process, and processing the insurance policy information in association with the customer information and the account information and storing the insurance policy information in a storage medium; Periodically checking the validity of the account by the financial company server, and automatically canceling the subscription to the insurance policy if the validity is not confirmed; And The financial company server, in response to the automatic termination of the insurance policy subscription, processing the settled refund for the insurance premium paid; insurance policy providing method corresponding to a specific account comprising a. The method of claim 1, wherein the validating of the account comprises: The financial institution server has changed the card payment account (or specific billing account) to another financial institution account, or the transaction history for the card payment account (or billing account) exists for a certain period of time. Or determining whether an application for canceling (or canceling) an account for the credit card payment account (or a specific billing account) has been received. The method of claim 1, Calculating, by the financial institution server, the ratio of the insurance policy providing customers that the validity is not confirmed for a predetermined period of time; And And refinancing the insurance rate by applying the calculated rate to the existing insurance rate by the financial company server. In the system that provides insurance policies corresponding to a specific account in conjunction with the insurance company server, An information receiver configured to receive account information for a card payment account (or a specific billing account) and customer information corresponding to the account from an information registration terminal; An insurance processing unit configured to process an insurance corresponding to the account; A validity verification unit for checking validity of an account corresponding to an insurance policy generated according to the insurance subscription process; If the validity is not confirmed, the insurance cancellation processing unit for automatically canceling the subscription to the insurance policy in connection with the insurance company server; A settlement processing unit for processing a settlement return for the insurance premium paid in response to the termination of the insurance policy subscription automatic; And An insurance rate processing unit for calculating a rate at which the validity is not checked for a predetermined period of the insurance policy providing targets, and refining the insurance rate based on the calculated rate; Policy offering system.

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