KR101111296B1 - System for Providing Credit Insurance Service Auto-Effected by Using Card - Google Patents

Abstract

The present invention relates to a credit insurance service providing method that is automatically associated with the use of the card, the card customer subscribes when using the card including at least one or more cash payment payment and / or loan, and / or installment purchase using the card An insurance service providing method in which the customer automatically purchases insurance in the process of using a card in response to insurance product information and / or insurance policy information to be provided, wherein at least one insurance information required at the time of insurance purchase is included in the ICC in the card. Mounting the integrated circuit chip and using at least one of a cash service payment and / or a loan and / or an installment purchase, and the card terminal reads the insurance information mounted on the ICC in the card. And the insurance information read from the card terminal and a card according to the use of the card. Providing use approval request information to a server through a connected communication session on a communication network; reading the card information based on card use approval request information received from the card terminal at the server, and corresponding to the read card information. Reading card-related information including at least one or more card customer credit evaluation information, card usage information, and card usage information from a predetermined database or providing the card-related information in connection with a card company server; Determining whether the insurance contract is concluded for the use of the card based on the card related information and the insurance information provided from the card terminal; and when the insurance contract is concluded based on the determination result, the card related information at the server. And the insurance information provided from the card terminal Generating predetermined insurance contract information for signing an insurance contract for the use of the card, and providing the generated insurance contract information to an insurance company server at the server.

According to the present invention, if the amount provided by the cash service or loan cannot be repaid, it is possible to prevent the credit failure and the late payment of the credit card by paying it back through insurance.

Card, insurance

Description

System for Providing Credit Insurance Service Auto-Effected by Using Card}

1 is a block diagram showing an exemplary system according to a preferred embodiment of the present invention.

Figure 2 is a preferred embodiment of the process of the present invention is implemented.

3 is a simplified block diagram of a preferred embodiment according to the present invention.

Figure 4 is a preferred embodiment of the process of the present invention is implemented.

<Description of main parts of drawing>

100: server 105: information processing unit

110: extraction unit 115: determination unit

120: insurance processing unit 125: renewal processing unit

130: card terminal 135: insurance server

140: insurance register 145: card company server

150: card

The present invention relates to a method and system for providing a credit insurance service that is automatically linked with a card use. The present invention relates to a method and a system for providing a credit insurance service. A card such as a cash service of the client is added by using an insurance processing server interworking with the server on a card using network consisting of a card, a terminal, and a server, using a card interworking with a medium (ICC or server (or database)). It is to automatically insure the amount used.

Cards (particularly credit cards, etc.) are the most widely used payment methods for replacing cash, checks and the like.

With the recent increase in card-related infrastructure, the card population has grown rapidly and is also actively used for electronic commerce on the Internet.

However, as a side effect of the expansion of the card-using population, accidents caused by bad credit and card debt frequently occur.

On the other hand, the insurance system is widely used as a means to reduce the economic burden caused by accidents (traffic accidents, fires, etc.) for the uncertain future of economic and social life.

These insurances are provided with a certain amount of insurance premiums from a number of them to form a common reserve property, in preparation for the risk of unforeseen accidental accidents, and any one of the plurality may receive a benefit from it when an accident occurs. It is to be able to save from anxiety.

Therefore, the present invention is to provide a service in conjunction with the card, insurance, to prevent possible damage from the use of the card in advance.

An object of the present invention for resolving the above problems is the insurance product information that the card customer should subscribe and / or when using the card including at least one or more cash service payment, and / or loan, and / or installment purchase using the card; Or an insurance service providing system in which the customer automatically purchases insurance in the process of using a card, in response to insurance policy information, storing insurance information of the card customer for a predetermined insurance with respect to the amount of use of the card. A predetermined amount of the card use amount using a storage medium, a card terminal that provides the card use information to a server when the card is used, and the card use information provided from the terminal and insurance information previously stored in the storage medium. Card holders, including servers that automatically perform insurance business It is to provide a credit insurance service providing system that is processed in the same connection.

In addition, another object of the present invention is the insurance product information and / or insurance policy information that the card customer should subscribe when using the card including at least one or more cash service payment, and / or loan, and / or installment purchase using the card In the insurance service providing method for the customer to automatically insured in the process of using the card in response to the step of mounting at least one or more insurance information required for the insurance in the integrated circuit chip (ICC) in the card, When using a card including at least one cash service payment, and / or loan, and / or installment purchase, reading the insurance information mounted on the ICC in the card at the card terminal, and reading the card at the card terminal. Insurance information and card use authorization request information according to the use of the card are connected to a communication section on the communication network. The card information is read based on the card use authorization request information received from the card terminal in the server, and the card customer credit evaluation information and the card usage record information corresponding to the read card information are provided. Reading the card related information including at least one card usage information from a predetermined database or interworking with a card company server, and receiving the card related information from the card terminal at the server. Determining whether the insurance contract is concluded for the use of the card based on the insurance information; and when the insurance contract can be concluded according to the determination result, the server uses the card-related information and the insurance information provided from the card terminal. To provide insurance coverage for the use of the card. Which the insurance contract and the resulting use of information cards, including the steps of providing insurance to the server and automatically associated processing methods to provide credit insurance services in the step and the server to generate an agreement.

In addition, another object of the present invention, the insurance product information and / or insurance policy that the card customer should subscribe when using the card comprising at least one or more cash service payment, and / or loan, and / or installment purchase using the card An insurance service providing method in which the customer automatically insures in the process of using a card in response to the information, wherein the card customer obtains at least one insurance information required for the insurance according to the use of the card. Storing the information in a storage medium on a wired / wireless network in association with the information and / or customer information, and when the customer uses a card including at least one of cash payments and / or loans and / or installment purchases, a card terminal Reading predetermined card information and / or customer information from the card; Providing the read card information and / or customer information to a server through a connected communication section on a communication network, and the insurance information corresponding to the card information and / or customer information in association with the storage medium in the server. Reading a card, and related to a card including at least one of card customer credit evaluation information, card usage information, and card usage information corresponding to the card information and / or customer information provided from the card terminal at the server. Reading information from a predetermined database or interworking with a card company server, and entering into an insurance contract for the use of the card based on the card related information and the insurance information read from the storage medium in the server; Judging whether the insurance contract can be concluded according to the determination result. And generating predetermined insurance contract information for concluding an insurance contract for the use of the card by using the card related information and the insurance information in the server, and providing the generated insurance contract information to an insurance company server in the server. The present invention provides a method for providing a credit insurance service which is automatically linked with a card use.

The present invention relates to a credit insurance service providing method and system that is automatically associated with the use of the card, when using the card including at least one or more cash service payment and / or loan, and / or installment purchase using the card, An insurance service providing system for allowing a customer to automatically purchase insurance during a card use process in response to insurance product information and / or insurance policy information required by a customer, comprising: A storage medium storing insurance information of the card customer, a card terminal providing the card use information to a server when the card is used, the card use information received from the terminal and insurance information previously stored in the storage medium To automatically process a certain insurance business It characterized in that it comprises a server to perform.

According to the present invention, the storage medium includes at least one storage chip provided on an IC chip attached to the card, and / or an IC chip mounted on or detached from a wireless terminal, and / or a server located on a wired / wireless communication network. It is characterized by including the above.

In addition, the storage medium is located in the card company server, and / or in the VAN company server, and / or in the insurance company server, and / or characterized in that located in the card terminal.

In addition, according to the present invention, the card is an MS (magnetic stripe) type card, an IC chip type card, a mixed card and a wireless card terminal that is mixed or mixed with the MS (magnetic stripe) type and IC chip type It includes at least one, and the card is characterized in that it comprises at least one or more of the credit card, debit card, check card.

Further, according to the present invention, when the client uses the card (e.g., cash service, loan, etc.), the provision of insurance service for the use of the card (amount) is performed by the insurance information (e.g., insurance product information, insurance subscription policy information) of the client. Etc.) may be implemented in more various ways, which will be described in more detail through the preferred embodiments described below.

According to a preferred embodiment of the present invention, when insurance information on the client's card use is located in the client's card, the card includes at least one cash service payment and / or loan and / or installment purchase using the card. In use, the insurance service providing method for the customer to automatically insured in the course of using the card in response to the insurance product information and / or insurance policy information that the card customer should subscribe, at least one or more required at the time of insurance Incorporating insurance information into an integrated circuit chip (ICC) in the card (1), using a card including at least one cash service payment, and / or loan, and / or installment purchase, within the card at the card terminal. Reading the insurance information mounted on the ICC (2), and reading the read information from the card terminal. (3) providing information and card use approval request information corresponding to the use of the card to a server through a connected communication session on a communication network; and (3) the card based on the card use approval request information received from the card terminal at the server. Read information, and read card-related information including at least one or more card customer credit evaluation information, card usage information, and card usage information corresponding to the read card information from a predetermined database, or a card company (4) determining whether an insurance contract is concluded for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server; If it is possible to conclude an insurance contract according to the determination result, the card-related information and the car in the server (6) generating predetermined insurance contract information for concluding an insurance contract for the use of the card by using insurance information provided from a terminal, and providing the generated insurance contract information to an insurance company server at the server; 7) Includes.

According to the present invention, the credit insurance service providing method automatically linked to the use of the card, the insurance company server to conclude an insurance contract based on the insurance contract information (8) and the insurance contract conclusion information in the insurance company server Providing 9 to the server and / or the card terminal and / or the card customer-owned wired or wireless terminal and / or the card issuer server.

In addition, according to the present invention, the credit insurance service providing method that is automatically associated with the use of the card, updating the insurance product information and / or insurance policy information that the card customer should subscribe in accordance with the new insurance contract signed in the server It further comprises the step.

In addition, according to the present invention, the method for providing a credit insurance service that is automatically linked to the use of the card, further comprising the step of updating the insurance information mounted on the integrated circuit chip (ICC) in the card according to the conclusion of the new insurance contract. Include.

According to the present invention, in the step (1) of mounting at least one or more insurance information required for the insurance to the integrated circuit chip (ICC) in the card, the insurance information is the insurance target insurance product pre-set by the card customer And at least one or more insurance information set by the card customer, and at least one or more customer information provided from the card customer when the insurance is signed.

According to the present invention, the step of determining whether to conclude the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server (5), the intention to insure insurance from the card-owning client And determining a predetermined premium based on the card customer credit evaluation information, the card usage performance information, the card related information including at least one or more card usage information, and / or the card use amount information. It is characterized by comprising.

For example, if the client's credit rating is very good and the usage history is excellent, the premium is lowered and provided. On the contrary, the client with a lower credit rating or less used credit is provided with a relatively high premium. It is possible to calculate the premium differential.

According to the present invention, the step of determining whether the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server (5), the card issuer server It is characterized by judging whether the contract is concluded according to the use of the card by comparing the insurance use policy and the card use amount information set according to the card use amount information provided in the set insurance subscription policy.

According to the present invention, the step of determining whether the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server (5), the card issuer server It is characterized by judging whether the contract is concluded according to the use of the card by comparing the insurance policy set in accordance with the credit evaluation information of the card-use customer provided in the insurance policy set up and the credit evaluation information of the card-use customer. .

According to the present invention, the step of determining whether the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server (5), the card issuer server The insurance policy set according to the accumulated amount information of the card cash service and / or the loan amount included in the insurance policy set up, and the accumulated amount information of the card cash service and / or the loan amount of the card user, It is characterized by determining whether the contract is concluded according to the use of the card.

According to the present invention, when it is possible to conclude an insurance contract according to the determination result, a predetermined insurance contract for conclusion of an insurance contract for the use of the card using the card related information and the insurance information provided from the card terminal in the server In the step (6) of generating information, the insurance contract information includes at least one of the card customer information, insurance subscription condition information, the card unique information, and the card use amount information required for the insurance subscription. It is characterized by.

In addition, according to the present invention, when the insurance contract can be concluded according to the determination result, a predetermined number of insurance contracts for the use of the card using the card related information and the insurance information provided from the card terminal in the server. In the step of generating insurance contract information (6), the insurance contract information generation includes the insurance information, the card customer information, insurance subscription condition information, and the card in a predetermined insurance contract document required for the insurance subscription. At least one of the unique information and the card amount of money information is automatically auto-filled.

Further, according to a preferred embodiment of the present invention, the step of (3) providing the insurance information read out from the card terminal and the card use approval request information according to the use of the card to a server through a connected communication session on a communication network; Determining whether the card terminal provides the read insurance information to the server based on the read insurance policy information and the card use amount information; and when the card use amount satisfies the insurance policy information, the card terminal The method may further include generating the read insurance information and card use approval request information according to the use of the card.

For example, if the card terminal confirms that the insurance policy information read from the card is set to request an insurance contract when a card use amount (cash service amount, etc.) exceeds a certain limit, the card use amount does not exceed a certain limit. If not, it is not necessary to provide the insurance information to the server.

Further, according to the present invention, insurance information (insurance policy, etc.) updated upon completion of the insurance contract may be variously applied to future card use (cash service payment, and / or loan, and / or installment purchase, etc.). It features.

For example, if the insurance policy in the insurance information is set to increase or decrease according to the number of card use (cash service payment, and / or loan, and / or installment purchase, etc.), the first (primary) card use (cash service) according to the present invention. If the premium applied in the insurance contract for payment, and / or loan, and / or installment purchase, etc. is 0.3%, the use of the secondary card (premium: 0.5%) through the insurance policy renewal, the use of the third card (premium) : 0.7%), ..., The premium applied in the insurance contract for the nth card use may be increased.

Further, in another preferred embodiment, the insurance that is automatically linked in accordance with the use of the card including at least one or more cash service payment, and / or loan, and / or installment purchase in accordance with the present invention is the insurance information in the card It is stated that it can be applied cumulatively based on (insurance policy, etc.).

For example, if a client receives 500,000 won in cash for the first time using the card and executes an insurance contract (primary insurance contract), the client may later perform the second service (with the insurance contract maintained). When receiving a 400,000 won cash service and executing an insurance contract (secondary insurance contract), it may be accumulated and applied to the first insurance contract amount. (The above first cash service and the second cash service can be contracted separately and / or accumulated)

In addition, according to the present invention, it is noted that the card-related information including at least one or more credit rating information, usage performance information, and usage information may be stored in various locations without departing from the spirit of the present invention. For example, the card-related information is stored in a database built in a server and / or a card company server and / or a VAN company server and / or a card terminal.

In another preferred embodiment of the present invention, the insurance information (eg, insurance product information, insurance policy information, etc.) of the client is stored in a storage medium (eg, a storage medium including at least one or more servers, databases, etc.) on a wired / wireless communication network. When included, the insurance product information and / or insurance policy information that the card customer must subscribe to when using a card including at least one cash payment, and / or loan, and / or installment purchase using the card. In the insurance service providing method for the customer to automatically insure the insurance in the process of using the card, the card information of the customer at least one or more insurance information required at the time of the insurance subscription according to the use of the card; And / or storage media on wired or wireless networks in connection with customer information. (1) storing the predetermined card information and / or customer information from the card at the card terminal when the card is used and the customer includes at least one or more cash service payments and / or loans and / or installment purchases. (2) providing the read card information and / or customer information to a server through a connected communication session on a communication network at the card terminal (3), and interworking with the storage medium at the server. (4) reading predetermined insurance information corresponding to the card information and / or customer information, and card customer credit evaluation information corresponding to the card information and / or customer information provided from the card terminal at the server; Read card-related information including at least one card usage information and card usage information from a predetermined database; or (5) determining whether an insurance contract is concluded for the use of the card based on the card-related information and the insurance information read from the storage medium by the server; (7) generating predetermined insurance contract information for the conclusion of an insurance contract for the use of the card by using the card-related information and the insurance information in the server, if the insurance contract can be concluded according to the result. (8) providing the generated insurance contract information to an insurance company server.

According to the present invention, a method of providing a credit insurance service which is automatically linked to the use of the card comprises the steps of: (9) concluding an insurance contract based on the insurance contract information at the insurance company server and the insurance contract conclusion information at the insurance company server; Providing 10 to the server and / or the card terminal and / or the card customer-owned wired or wireless terminal and / or the card issuer server.

In addition, according to the present invention, the credit insurance service providing method that is automatically associated with the use of the card, updating the insurance product information and / or insurance policy information that the card customer should subscribe in accordance with the new insurance contract signed in the server It further comprises the step.

In addition, according to the present invention, the credit insurance service providing method that is automatically associated with the use of the card, the method further comprises the step of updating the insurance information stored in the storage medium on the wired and wireless network in accordance with the new insurance contract conclusion; It is characterized by.

According to the present invention, in the step of storing at least one or more insurance information required for the insurance in a storage medium on the wired / wireless network, the insurance information includes the insurance target insurance product information set by the card customer, and the And at least one insurance policy set by a card customer and at least one or more customer information provided from the card customer when the insurance is signed.

According to the invention, the step of determining whether the insurance contract for the use of the card on the basis of the card-related information and the insurance information provided from the card terminal in the server, confirming the intention to purchase insurance from the card-owning client And calculating a predetermined premium based on the card customer credit rating information, card usage information, card related information including at least one or more card usage information, and / or card use amount information. It is characterized by.

In addition, according to the present invention, the step of determining whether the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server, insurance pre-set by the card issuer server It is characterized by judging whether the contract is concluded according to the use of the card by comparing the insurance use policy set according to the card use amount information included in the subscription policy and the card use amount information.

In addition, according to the present invention, the step of determining whether the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server, insurance pre-set by the card issuer server It is characterized by judging whether the contract is concluded according to the use of the card, in contrast to the insurance subscription policy set according to the credit evaluation information of the card-use customer provided in the subscription policy and the credit-evaluation information of the card-use customer.

In addition, according to the present invention, the step of determining whether the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal in the server, insurance pre-set by the card issuer server The insurance policy set in accordance with the accumulated amount information of the card cash service and / or loan amount provided in the subscription policy and the accumulated amount information of the card cash service and / or loan amount of the card using customer, It is characterized by determining whether or not to conclude a contract.

According to the present invention, when it is possible to conclude an insurance contract according to the determination result, a predetermined insurance contract for conclusion of an insurance contract for the use of the card using the card related information and the insurance information provided from the card terminal in the server In the generating of the information, the insurance contract information may include at least one or more of the card customer information, the insurance condition information, the card unique information, and the card use amount information required for the insurance subscription. .

In addition, according to the present invention, when the insurance contract can be concluded according to the determination result, a predetermined number of insurance contracts for the use of the card using the card related information and the insurance information provided from the card terminal in the server. In the step of generating insurance contract information, the insurance contract information generation may include the insurance information, the card customer information, insurance subscription condition information, the card unique information, and the predetermined insurance contract document required for the insurance. At least one or more of the card use amount information is automatically auto-filled.

Hereinafter, a preferred embodiment of a method for providing a credit insurance service that is automatically linked to a card use according to the present invention will be described in detail with reference to the accompanying drawings. Add a sign. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. For example, the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It will be obvious to those skilled in the art.

In addition, in describing 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.

1 is a block diagram showing a representative system according to a preferred embodiment of the present invention.

In the drawing, at least one insurance information such as insurance product information, which is pre-set by the card customer, insurance policy information pre-set by the card customer, and at least one or more customer information provided by the card customer at the time of insurance, the client smart card ( 150 is a simple configuration diagram for the case where the present invention is implemented.

The preferred configuration according to the present embodiment relates to a credit insurance service providing system that is automatically linked with card use, and includes at least one or more credit card information, debit card information, check card information, and the like. Card having an integrated circuit chip (ICC) including insurance product information pre-set by the card customer, insurance policy information pre-set by the card customer, and at least one customer information provided by the card customer at the time of insurance Extracting the insurance information mounted on an integrated circuit chip (ICC) in the card 150 when using a card including at least one of 150 and at least one cash payment and / or loan and / or installment purchase, The extracted insurance information and card use permission request information according to the use of the card are transmitted to the server 100 through a connected communication session on a communication network. Based on the card terminal 130 and the card use authorization request information provided from the card terminal 130 includes at least one or more credit rating information, usage performance information, usage information corresponding to the card 150 Extracting card-related information from a predetermined database, and determining whether or not to conclude the insurance contract for the use of the card based on the card-related information and the insurance information provided from the card terminal 130, and the determination result If the insurance contract can be concluded accordingly, the server 100 generates predetermined insurance contract information for the conclusion of the insurance contract for the use of the card by using the card related information and the insurance information provided from the card terminal 130. It is configured to include a server 100 to provide to the insurance company server 135.

In addition, the system further includes an insurance company server 135 for receiving insurance contract information about the card use of the client from the server 100 to perform insurance processing.

According to the present invention, the card 150 includes insurance product information that is pre-set by the card customer, insurance policy information pre-set by the card customer, and at least one or more customer information provided by the card customer during insurance. And an integrated circuit chip (ICC) having a memory function for mounting insurance information as an application (or data) type and processing for executing the mounted insurance information in association with the card terminal 130.

According to the present invention, the card terminal 130 is based on at least one smart card standard that satisfies ISO / IEC 7816 and / or ISO / IEC 14443, etc., and is integrated into an integrated circuit chip (ICC) in the card 150. And a card interface for extracting mounted insurance information and card information (card number, etc.), wherein the card interface is connected to the card terminal 130 through a protocol such as an application protocol data unit (APDU). The data transaction between the smart card 150 is performed.

The card terminal 130 may include at least one of a credit authentication terminal (CAT), a point of sales (POS) system, a personal computer (PC), an auto teller machine (ATM), and a CD device. .

In addition, the card terminal 125 is at least one or more card interfaces for transactions with the client card 150, at least one of the MS interface, chip interface, wireless data communication (RF, Bluetooth, WLAN, infrared, etc.) interface, etc. It includes more.

The server 100 shown in the drawing includes an information processing unit 105, an extraction unit 110, a determination unit 115, an insurance processing unit 120, an update processing unit 125, and an associated database. The information processing unit 105 receives and confirms client card information and / or personal information and insurance information provided from the card terminal 130 through a communication session connected with the card terminal 130.

For example, the client card information and / or personal information, insurance information, etc., through the present invention, the card authorization according to the use of the card 150 including at least one or more cash service payment, and / or loan, and / or installment purchase It may be included in the request message and provided from the card terminal 130.

The extraction unit 110 in the server 100 uses credit rating information corresponding to the card 150 based on the card use approval request information provided from the card terminal 130 through the information processing unit 105. Card-related information including at least one piece of performance information and usage information is extracted from a predetermined database or provided in association with the card company server 145.

The information determining unit 115 is a card-related information (credit evaluation information, usage performance information, usage information, etc.) extracted and / or received by the extraction unit 110 and the insurance received and confirmed by the information processing unit 105 On the basis of the information, it is determined whether the insurance contract for the use of the card is concluded.

For example, the information determining unit 115 confirms the intention to insure insurance from the card-owning client, and based on the card customer credit evaluation information, card usage record information, card usage information, and card use amount information, the card is determined. A predetermined premium to be borne by the owning client is calculated.

In addition, the information determining unit 115 compares the card use amount information and the insurance use policy set according to the card use amount information included in the insurance policy set in advance by the card issuer server 145, and the card is used. The insurance policy set in accordance with the credit card information of the credit card customer and the credit card information provided in the insurance policy set by the card issuer server 145 to determine whether to conclude the contract according to the use and credit of the credit card user In preparation for the evaluation information, it is determined whether the contract is concluded according to the use of the card and / or the accumulated amount information of the card cash service and / or loan amount included in the insurance policy set in advance by the card issuer server 145. In accordance with the insurance policy set forth below and the cumulative amount of the cardholder's card cash advance and / or loan amount, It is characterized by determining whether the contract is concluded according to the use of the card.

The insurance processing unit 120 in the server 100 interworks with the insurance processing server 135 through a communication network, and uses predetermined card-related information and insurance information to provide predetermined insurance contract information for signing an insurance contract for the use of the card. It generates and serves to provide the generated insurance contract information to the insurance company server 135.

For example, the insurance contract information includes at least one of the card customer information required for the insurance, the insurance condition information, the card-specific information and the card use amount information, and the predetermined insurance contract required for the insurance. The document may be generated by automatically auto-filling at least one of the insurance information, the card customer information, the insurance subscription condition information, the card unique information, and the card use amount information.

Further, after the predetermined insurance contract is completed in connection with the insurance processing server 135 according to the present invention, the update processing unit 125 in the server stores the storage medium according to the insurance contract completion information provided from the insurance processing server 135. The insurance contract completion information is provided to the storage medium for updating the insurance information stored in the card (such as an ICC or a database in the card).

The insurance product database in the server 100 records information on at least one insurance product that can be provided to a client through the server 100 according to the present invention.

The personal information database in the server 100 includes personal authentication related information such as client ID and password, e-mail, mobile phone number, and card related information (issued card name, card expiration date, card usage history information, credit evaluation information, card). Information such as usage degree information).

The premium information database in the server 100 stores appropriate premium information for the amount of card use.

The insurance policy database in the server 100 includes a set of policy information for subscribing or providing a corresponding insurance for the use of the card, and the insurance policy in the insurance policy database includes the card usage history and the insurance of the client. It is characterized by being updated based on the contract performance.

The insurance processing server 135 is interlocked with the insurance processing unit 120 of the server 100, receives insurance contract information provided from the server 100, and the insurance is automatically associated with card use in accordance with the present invention. The insurance registration unit 140 is configured to perform a subscription process, and provides insurance completion information to the server 100 after completion of the subscription process, and an insurance database including registered insurance information.

Figure 2 is a preferred embodiment of the process of the present invention is implemented.

According to a preferred embodiment of the present invention, the insurance information for the use of the card 150 of the client (for example, the insurance product information pre-set by the card customer, the insurance policy information pre-set by the card customer, the card customer at the time of insurance) At least one or more pieces of customer information, etc. received from the client's card is initiated by mounting the client personal information and / or insurance information associated with the card information to the client card (200).

When the client performs the use of the card 150 such as cash service through the card terminal 130 (205), the card terminal 130 is the insurance information (extractable information extracted to the integrated circuit chip (ICC) in the card 150 ( Application or data) (210)

If there is no insurance information (application or data) for the insurance service that can be automatically subscribed to the use of the card 150 of the client according to the present invention (215), the card terminal 130 is the only Generate card use approval request information for the use of the card 150 and provide it to the server 100 (220), the server 100 generates response information for the card use approval request to the card terminal 130 (225).

On the other hand, if the insurance information for the insurance service that can be automatically linked to the use of the card 150 of the client according to the present invention in the integrated circuit chip (ICC) in the card (230), the card terminal 130 ) Reads the insurance information according to the present invention from the card 150 and provides the read insurance information and card use approval request information to the server 100 through a network (eg, a VAN) (235). .

The server 100 may provide card-related information (eg, credit corresponding to the card) corresponding to the card 150 based on the card use approval request information on the use of the card 150 provided from the card terminal 130. Information including at least one of evaluation information, usage performance information, and usage information) is extracted from a predetermined database (240).

When the card related information corresponding to the card 150 is extracted from the database, the server 100 determines whether to conclude the insurance contract for the use of the card 150 based on the card related information and the insurance information. (245).

For example, in the conclusion of the insurance contract, card related information such as the card usage history and credit rating of the card use client is an important basis for the conclusion of the insurance contract, and according to a preferred embodiment of the present invention, insurance is provided from the card-owning client. Confirm the subscription intention, and calculate a predetermined premium to be borne by the card-owning client based on the card customer credit evaluation information, the card usage record information, the card usage information, and the card use amount information.

In addition, the determination of the conclusion of the insurance contract according to the preferred embodiment of the present invention is the insurance subscription policy and the card usage amount set according to the card usage amount information provided in the insurance policy set in advance in the card issuer server 145. In preparation for the information, it is determined whether the contract is concluded according to the use of the card and / or the insurance subscription policy set according to the credit evaluation information of the card-use customer included in the insurance subscription policy set by the card issuer server 145. And the card cash service provided in the insurance policy set by the card issuer server 145 to determine whether the contract is concluded according to the use of the card 150 and / or to prepare credit evaluation information of the card user. And / or an insurance policy set in accordance with the accumulated amount information of the loan amount and the card cash advances of the cardholder's customer and / or Alternatively, in order to prepare for the accumulated amount information of the loan amount, it is noted that it is possible to determine whether to conclude the contract according to the use of the card 150.

If it is determined that it is not possible to conclude an insurance contract for the use of the card 150 (250), the server 100 generates a non-insurance contract message and provides it to the card terminal 130 with the card use approval response information. The process ends by 255.

On the other hand, as a result of determining whether the insurance contract for the use of the card 150 is concluded based on the card-related information, if it is possible to conclude the insurance contract for the use of the card 150 (260), the server 100 ) Generates insurance contract information for the insurance contract and provides the generated insurance contract information to the insurance processing server 135 on the communication network (265).

For example, the insurance contract information includes client personal information (authentication information, etc.) necessary for insurance, insurance information, insurance premium information, card use amount (cash service amount, loan amount, etc.) information.

The insurance processing server 135 processes the insurance contract based on the insurance contract information provided from the server 100 (270), and the insurance processing result is returned to the server 100 and / or the card terminal 130 and / or Or to the card-owning client wired / wireless terminal and / or card company server 145 or the like (275), the server 100 receives insurance processing result information from the insurance processing server 135, so that the insurance contract is Determine if it is a new contract

According to a preferred embodiment of the present invention, whether to renew the insurance contract for the card use of the client may be included in the existing contract or applied or renewed based on the existing contract.

Thus, if there is an existing contract based on the client's card usage (280), the insurance information update according to the contract is renewed based on the existing contract (285).

On the other hand, if the contract is a new contract, the server 100 processes to update the insurance product information and / or insurance subscription policy information that the card-owning client should subscribe in accordance with the new insurance contract (290).

In addition, insurance information for the card use of the client according to the present embodiment is renewed by renewing the insurance information pre-loaded in the integrated circuit chip (ICC) of the card 150 according to the conclusion of the new insurance contract (295). Insurance service that is automatically associated with the use of the card 150, including the end is terminated.

Figure 3 is a simplified block diagram of a preferred embodiment according to the present invention.

This figure is a preferred embodiment of the present invention, in accordance with the present invention, insurance information (e.g., a subscription against insurance product set by the client, which provides a basis for insurance coverage for the client's card use (cash service or loan, etc.). Information, insurance policy information previously set by the client, at least one or more customer information provided from the client at the time of insurance, and the like are mounted in a database or a storage medium 300 on a wired / wireless communication network.

According to this drawing, the components (for example, the server 100, the insurance processing server 135, the card terminal 130, etc.) in this drawing inherit the functions described above in FIG.

However, FIG. 3 further includes a storage medium 300 on a wired / wireless communication network for providing an insurance service that is automatically linked with card use according to the present invention.

According to the present invention, the storage medium 300 is located in the server 100, or separately located as an independent server on a communication network, or a VAN server.

Figure 4 is a preferred embodiment of the process of the present invention is implemented.

According to a preferred embodiment of the present invention, the insurance information of the client (for example, the subscription against insurance product information previously set by the client, the insurance policy information previously set by the client, at least one or more customers provided from the client at the time of insurance) Information, etc.) is included in a storage medium 300 (eg, a storage medium including at least one server, a database, etc.) on a wired / wireless communication network.

4 shows insurance information associated with client personal information and / or card information in a storage medium 300 on a wired / wireless communication network, and the client associates with the personal information and / or card information through a card terminal 130. Initiated by using the card 150 is 400.

When the client uses a card such as cash service payment and / or loan and / or installment purchase (405), the card terminal 130 reads card information from the card 150 and the read card. Card use authorization request information including information and card use information (cash service amount information, customer information, etc.) is generated and provided to the server 100 (410).

The server 100 checks card information and customer information based on the card approval request information provided from the card terminal 130 (415), and the server 100 based on the card information and / or customer information. The card-related information corresponding to the card 150 is linked with the storage medium 300 to extract predetermined insurance information (420).

In addition, the server 100 stores card-related information (eg, card customer credit evaluation information, card usage information, card usage information, etc.) corresponding to the card information and / or customer information from a predetermined database. Extracting (425), and determining whether the insurance contract for the use of the card is concluded based on the card-related information and insurance information (430).

As described above with reference to FIG. 2, in the process of concluding the insurance contract through this embodiment, card related information such as the card usage history and credit rating of the card client is an important basis for concluding the insurance contract. According to a preferred embodiment of the card, the card possession client confirms the intention to insure insurance, and based on the card customer credit rating information, card usage information, card usage information and card usage amount information, The method further includes calculating a predetermined premium to be borne.

In addition, in the determination process of the insurance contract conclusion in accordance with a preferred embodiment of the present invention, the insurance policy and the insurance policy set according to the card use amount information provided in the insurance policy set in advance in the card issuer server 145 and the In the case of determining whether the contract is concluded according to the use of the card in preparation for the amount of use of the card (1), and the credit evaluation information of the card-using customer included in the insurance subscription policy set by the card issuer server 145. In the case of determining whether the contract is concluded according to the use of the card in preparation for the insurance policy set in accordance with the credit card information and the credit evaluation information of the card use customer (2), the insurance policy set in the card issuer server 145 The insurance policy established according to the card cash service provided and / or the accumulated amount information of the loan amount and the card cash card of the card holder If in case the accumulated amount information of the bus and / or the loan amount, to determine whether the contract of using the card 3 is possible and the like.

If it is determined that the insurance contract for the use of the card is not possible (435), the server 100 generates a non-insurance contract message and provides the card use approval response information to the card terminal 130, thereby providing the present process. Is terminated (440).

On the other hand, if it is possible to conclude the insurance contract for the use of the card based on the card-related information and insurance information, as a result of the insurance contract can be concluded (445), the server 100 provides insurance contract information for the insurance contract In operation 450, the generated insurance contract information is provided to the insurance processing server 135 on the communication network.

The insurance processing server 135 completes the insurance contract processing and provides the insurance contract conclusion information to the server, the card terminal, the customer wire / wireless terminal, and the card issuer server 145 (455), and the server 100 is new. The insurance product information and / or insurance policy information according to the insurance contract is renewed (460).

In addition, by updating insurance product information and / or insurance policy information mounted on the storage medium 300 on the wired / wireless network according to the conclusion of a new insurance contract (465), the client's card 150 according to the present embodiment is used. The insurance service which is automatically linked with the use of the card 150 including insurance information for the service is terminated.

According to the present invention, when using a card (for example, cash service, loan, etc.), the card is used in conjunction with a storage medium (ICC or server) containing insurance information for a predetermined insurance coverage for the amount of use of the card, the card By adding an insurance processing server interworking with the server on a card using network consisting of a terminal and a server, by automatically subscribing insurance for the card use amount such as cash service, loan, etc. of the client,

When using a card due to cash advances or loans, the cardholder can automatically purchase credit insurance for the amount of the card (cash service amount, loan amount) so that any late payment problems can be prevented. There is an advantage.

In addition, card companies have the advantage that they can create a new profit model (insurance income, etc.) using insurance.

In addition, the debt can not be paid by the customer can be processed through insurance, there is an advantage that can be minimized damages due to delinquency.

Claims (31)

delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete A credit insurance service providing system of a server connected to a card company server and an insurance company server through a communication network, The insurance policy of the card customer including insurance policy information set according to credit card information of the card user, credit card information of the card user, and information on the number of times the card is used (such as payment of cash service or loan or installment purchase). A database for storing information; An information processing unit for receiving card use approval request information transmitted from a card terminal when a customer uses a card; An extraction unit configured to extract card-related information including one or more credit rating information, usage history information, and usage information corresponding to the received card use approval request information from the database, or to be provided in cooperation with the card company server; In accordance with the insurance subscription policy and the card use history information, whether to conclude the contract according to the use of the card, or in conjunction with the card company server insurance set in accordance with the credit rating information of the card user provided in the insurance policy Accumulated amount of the card cash service and the loan amount provided in the insurance policy in accordance with the card company server to determine whether to conclude the contract according to the use of the card, in preparation for the subscription policy information and the credit rating information of the card user. A determination unit for determining whether to conclude a contract based on the use of the card, by comparing insurance policy information set according to the information and accumulated amount information of the card cash service and the loan amount of the card user; An insurance processing unit for generating insurance contract information for conclusion of an insurance contract for the use of a card and transmitting the generated insurance contract information to an insurance company server to request an insurance contract when the contract can be concluded according to the determination result; Credit insurance service delivery system that is automatically linked to use. delete delete delete delete

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