KR20000024171A - Internet Auto-Insurance Premium-Calculation and Application System - Google Patents

Internet Auto-Insurance Premium-Calculation and Application System Download PDF

Info

Publication number
KR20000024171A
KR20000024171A KR1020000003822A KR20000003822A KR20000024171A KR 20000024171 A KR20000024171 A KR 20000024171A KR 1020000003822 A KR1020000003822 A KR 1020000003822A KR 20000003822 A KR20000003822 A KR 20000003822A KR 20000024171 A KR20000024171 A KR 20000024171A
Authority
KR
South Korea
Prior art keywords
insurance
internet
fee
subscription
calculation
Prior art date
Application number
KR1020000003822A
Other languages
Korean (ko)
Inventor
김성준
Original Assignee
김성준
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 김성준 filed Critical 김성준
Priority to KR1020000003822A priority Critical patent/KR20000024171A/en
Publication of KR20000024171A publication Critical patent/KR20000024171A/en

Links

Classifications

    • F—MECHANICAL ENGINEERING; LIGHTING; HEATING; WEAPONS; BLASTING
    • F16—ENGINEERING ELEMENTS AND UNITS; GENERAL MEASURES FOR PRODUCING AND MAINTAINING EFFECTIVE FUNCTIONING OF MACHINES OR INSTALLATIONS; THERMAL INSULATION IN GENERAL
    • F16K—VALVES; TAPS; COCKS; ACTUATING-FLOATS; DEVICES FOR VENTING OR AERATING
    • F16K31/00—Actuating devices; Operating means; Releasing devices
    • F16K31/02—Actuating devices; Operating means; Releasing devices electric; magnetic
    • F16K31/06—Actuating devices; Operating means; Releasing devices electric; magnetic using a magnet, e.g. diaphragm valves, cutting off by means of a liquid
    • F16K31/0644—One-way valve
    • F16K31/0655—Lift valves
    • F—MECHANICAL ENGINEERING; LIGHTING; HEATING; WEAPONS; BLASTING
    • F16—ENGINEERING ELEMENTS AND UNITS; GENERAL MEASURES FOR PRODUCING AND MAINTAINING EFFECTIVE FUNCTIONING OF MACHINES OR INSTALLATIONS; THERMAL INSULATION IN GENERAL
    • F16K—VALVES; TAPS; COCKS; ACTUATING-FLOATS; DEVICES FOR VENTING OR AERATING
    • F16K27/00—Construction of housing; Use of materials therefor
    • F16K27/02—Construction of housing; Use of materials therefor of lift valves
    • F16K27/029—Electromagnetically actuated valves
    • H—ELECTRICITY
    • H01—ELECTRIC ELEMENTS
    • H01F—MAGNETS; INDUCTANCES; TRANSFORMERS; SELECTION OF MATERIALS FOR THEIR MAGNETIC PROPERTIES
    • H01F7/00—Magnets
    • H01F7/06—Electromagnets; Actuators including electromagnets
    • H01F7/08—Electromagnets; Actuators including electromagnets with armatures
    • H01F7/16—Rectilinearly-movable armatures

Landscapes

  • Engineering & Computer Science (AREA)
  • General Engineering & Computer Science (AREA)
  • Mechanical Engineering (AREA)
  • Physics & Mathematics (AREA)
  • Electromagnetism (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

PURPOSE: A system for both outputting car insurance fee of internet and subscription is provided to handle the output of insurance, subscription and settlement promptly on the internet. In addition, by the system, an insurant can output insurance fee, compare the fee with the fee of other insurance companies on the internet, and they can send subscriptions to the insurance companies as well as settle up the bill for insurance on the internet. CONSTITUTION: The financial supervisory service serves both internet insurance system and insurance companies with the information for insurance such as the characters of insurant and the discount premium rate of insurance based upon the formula for insurance premium rate. The internet insurance system is linked with each insurance company so as to exchange the information for insurance each other on the internet. In addition, the internet insurance system is linked with electronic commerce system so that an insurant can receive the serves for insurance such as output of insurance fee, subscription and settlement of insurance fee on the internet.

Description

인터넷 자동차보험료 산출 및 청약 시스템{Internet Auto-Insurance Premium-Calculation and Application System}Internet Auto Insurance Premium Calculation and Application System

본 발명은 인터넷보험에 관한 것으로 기존의 인터넷보험은 가입자가 신상을 입력하고 보험료산출을 의뢰하면 보험사 혹은 인터넷보험사업자가 이것을 접수하여 별도의 단말기를 통하여 보험료를 산출하여 통보하여야 한다. 즉 가입자가 즉시 보험료를 자유롭게 산출하여 청약할 수 없으며 보험사를 선택하는 것도 제한적이다.The present invention relates to the Internet insurance, the existing Internet insurance, if the subscriber enters a new request and calculates the premium, the insurance company or the Internet insurance provider should receive this and calculate the premium through a separate terminal to notify. In other words, the subscriber cannot freely calculate and subscribe the premiums immediately, and the insurance company is limited.

본 발명은 상기와 같은 문제를 해소하기 위하여 보험료산출과 청약,결제에 이르는 전과정을 인터넷상에서 즉시 처리할 수 있도록 한다. 보험가입자는 인터넷에서 보험료산출은 물론 각보험사의 보험료를 비교할 수 있고 또한 즉시 인터넷상에서 청약하며 전자상거래로 결제도 가능하다.The present invention can immediately process the entire process from premium calculation, subscription, payment to the Internet to solve the above problems. The insured can calculate the premiums on the Internet, compare the premiums of each insurer, and immediately subscribe on the Internet and pay by e-commerce.

..

상기의 인터넷보험 체제의 구성은 다음과 같다.The structure of the Internet insurance system is as follows.

우선 인터넷보험 시스템의 기본은 보험료자동정산 프로그램이다. 이것은 프로그램언어 비쥬얼 베이직(Visual Basic)으로 구성되어 가입자가 입력한 보상한도등의 조건에 따라 보험료를 자동산출한다. 이때 차종에 따른 차량가액등의 데이터는 MS-SQL 프로그램으로 입력,처리되어 가입자의 모든 요건에 맞추어 보험료를 산출한다. 또한 각 보험사마다 보험요율이 다르므로 각 보험사의 보험료를 별도로 산출하여 가입자가 자유롭게 선택할 수 있도록 하며, 주기적으로 변하는 차량가액등 보험료산출 요건등은 MS-SQL의 DB에서 처리되도록 한다.First of all, the basis of the Internet insurance system is the automatic premium payment program. It consists of the program language Visual Basic, which automatically calculates the premium according to the terms of the compensation limit entered by the subscriber. At this time, data such as vehicle price according to the vehicle type is input and processed by MS-SQL program to calculate premium according to all requirements of subscriber. In addition, insurance rates are different for each insurer, so the insurance premiums of each insurer are calculated separately so that the subscriber can freely choose and the premium calculation requirements such as the vehicle price that changes periodically are processed in the database of MS-SQL.

여기에 보험료를 가입자가 완벽하게 산출하기 위해서는 보험관계 공공기관(보험개발원)에서 보유하며 보험사에 제공하고 있는 가입자별 특성요율과 할인할증요율이 필요하다. 이것은 인터넷 온라인상에서 본 발명의 인터넷시스템과 연결하여 가입자의 주민등록번호등 가입자신상에 따라 자동으로 정산프로그램에 입력되어 처리 되도록 한다.In addition, in order to fully calculate the premium, the subscriber's characteristic rate and discount premium rate are required by insurance-related public institutions (Insurance Development Institute) and provided to insurers. This is connected to the Internet system of the present invention on the Internet online so that it is automatically entered into the settlement program and processed according to the subscriber's identity such as the social security number of the subscriber.

상기와 같은 과정으로 가입자는 인터넷상에서 즉시 보험료를 산출할 수 있으며 각기 다른 보험사의 보험료를 비교하여 선택할 수 있다. 가입자는 보험료산출과 보험사의 선택이 끝나면 전자상거래 시스템을 통하여 바로 청약과 결제가 가능하여 진다. 결제부분의 기능은 우선 신용카드결제를 위주로 하며 각 은행의 인터넷망을 이용하여 온라인 이체도 가능하도록 한다.With the above process, the subscriber can calculate the premium on the Internet immediately and can compare the insurance premiums of different insurance companies and select them. Subscribers can subscribe and pay through the e-commerce system after calculating premiums and choosing insurance companies. The function of the payment part is to make credit card payments first, and to make online transfers using the internet network of each bank.

또한 추가적으로 청약과 결제가 끝난 인터넷보험 가입자에게 보험증권과 영수증을 인터넷상에서 발부한다.In addition, an insurance policy and a receipt are issued on the Internet to subscribers of internet insurance after subscription and settlement.

상술한 바와 같이 본 발명은 보험의 인터넷가입을 신속하고 효율적으로 처리하며 보험가입자의 자유롭고 객관적인 보험선택과 보험사의 영업과 업무처리의 효율성을 극대화시킨다. 또한 장기적으로는 보험사의 영업경비 및 관리비용을 절감시켜 보험료를 인하시킬 수 있는 공익성도 내포하고 있다.As described above, the present invention quickly and efficiently handles the subscription of the insurance and maximizes the free and objective insurance choice of the insured and the efficiency of the insurer's business and transaction. In the long run, it also has the public interest to lower insurance premiums by reducing operating expenses and management costs.

Claims (1)

인터넷 자동차보험료 산출과 청약에 있어서 가입자의 인터넷상 입력에 의해 즉시 보험료 산출이 이루어지는 방법,In the calculation and subscription of Internet car insurance premiums, the insurance premiums are calculated immediately by the subscriber's online input. 정확한 실제 보험료산출을 위하여 공공기관의 데이터를 연결하여 프로그램상에서 자동으로 보험료를 산출하는 방법,How to calculate the premium automatically in the program by connecting the data of public institutions for accurate actual premium calculation, 보험료 산출후 보험사를 비교하고 즉시 전자상거래로 보험료를 납부하고 보험증권과 영수증을 교부하는 방법.How to compare insurance companies after calculating insurance premiums, pay premiums by electronic commerce immediately, and issue insurance policies and receipts.
KR1020000003822A 2000-01-26 2000-01-26 Internet Auto-Insurance Premium-Calculation and Application System KR20000024171A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020000003822A KR20000024171A (en) 2000-01-26 2000-01-26 Internet Auto-Insurance Premium-Calculation and Application System

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020000003822A KR20000024171A (en) 2000-01-26 2000-01-26 Internet Auto-Insurance Premium-Calculation and Application System

Publications (1)

Publication Number Publication Date
KR20000024171A true KR20000024171A (en) 2000-05-06

Family

ID=19641810

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020000003822A KR20000024171A (en) 2000-01-26 2000-01-26 Internet Auto-Insurance Premium-Calculation and Application System

Country Status (1)

Country Link
KR (1) KR20000024171A (en)

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010016428A (en) * 2000-12-09 2001-03-05 조달현 union of Insurance to management system
KR20010064672A (en) * 2000-05-23 2001-07-11 박성수 System and method for making insurance plan and insurance contract using network
KR20010106675A (en) * 2000-05-22 2001-12-07 이수창 Insurance business system and operation method thereof based on internet
KR20020031726A (en) * 2000-10-23 2002-05-03 오성준 System for managing the car insurance on the Internet
KR20020051447A (en) * 2000-12-22 2002-06-29 이동욱 Method for managing car accident insurance
KR20030040715A (en) * 2001-11-15 2003-05-23 신동직 Car secured loan system and method through internet
KR20040000823A (en) * 2002-06-25 2004-01-07 인피언컨설팅 주식회사 System for network-based issue/custody of insurance policy and method thereof
KR100449635B1 (en) * 2001-09-28 2004-09-22 (주)팍스인슈 The system and method for calculating insurance fee according to public traffic utilization amount
KR100458525B1 (en) * 2001-08-28 2004-12-03 주식회사 비즈모델라인 The system for valuating the loss of soil environment and dealing with the insurance against the loss of soil environment
KR20230082152A (en) 2021-12-01 2023-06-08 보험계리법인지아컨설팅 주식회사 Method for calculating actuarial assumption and apparatus for calculating actuarial assumption

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH07239885A (en) * 1994-03-01 1995-09-12 Fujitsu Ltd Insurance business processing system
JPH10293794A (en) * 1997-04-21 1998-11-04 Yasuda Kasai Kaijo Hoken Kk Insurance diagnosis planning device
WO2000042556A2 (en) * 1999-01-13 2000-07-20 Volvo Commercial Finance Llc The Americas Method and system for real-time contracts, administration, and financial control to process electronic credit applications and insurance services via a global communications network
WO2000072219A1 (en) * 1999-05-20 2000-11-30 Ins Web Corporation System for online quoting and binding of insurance policies

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH07239885A (en) * 1994-03-01 1995-09-12 Fujitsu Ltd Insurance business processing system
JPH10293794A (en) * 1997-04-21 1998-11-04 Yasuda Kasai Kaijo Hoken Kk Insurance diagnosis planning device
WO2000042556A2 (en) * 1999-01-13 2000-07-20 Volvo Commercial Finance Llc The Americas Method and system for real-time contracts, administration, and financial control to process electronic credit applications and insurance services via a global communications network
WO2000072219A1 (en) * 1999-05-20 2000-11-30 Ins Web Corporation System for online quoting and binding of insurance policies

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010106675A (en) * 2000-05-22 2001-12-07 이수창 Insurance business system and operation method thereof based on internet
KR20010064672A (en) * 2000-05-23 2001-07-11 박성수 System and method for making insurance plan and insurance contract using network
KR20020031726A (en) * 2000-10-23 2002-05-03 오성준 System for managing the car insurance on the Internet
KR20010016428A (en) * 2000-12-09 2001-03-05 조달현 union of Insurance to management system
KR20020051447A (en) * 2000-12-22 2002-06-29 이동욱 Method for managing car accident insurance
KR100458525B1 (en) * 2001-08-28 2004-12-03 주식회사 비즈모델라인 The system for valuating the loss of soil environment and dealing with the insurance against the loss of soil environment
KR100449635B1 (en) * 2001-09-28 2004-09-22 (주)팍스인슈 The system and method for calculating insurance fee according to public traffic utilization amount
KR20030040715A (en) * 2001-11-15 2003-05-23 신동직 Car secured loan system and method through internet
KR20040000823A (en) * 2002-06-25 2004-01-07 인피언컨설팅 주식회사 System for network-based issue/custody of insurance policy and method thereof
KR20230082152A (en) 2021-12-01 2023-06-08 보험계리법인지아컨설팅 주식회사 Method for calculating actuarial assumption and apparatus for calculating actuarial assumption

Similar Documents

Publication Publication Date Title
EP1222596B1 (en) System and method for dividing a remittance and distributing a portion of the funds to multiple investment products
US8417635B2 (en) System, method, and computer program product for saving and investing through use of transaction cards
KR101524957B1 (en) Systems and methods for the payment of customer bills utilizing payment platform of biller
US8452708B1 (en) Universal payment processing
US20030208440A1 (en) International payment system and method
US20190378182A1 (en) Secure electronic billing with real-time funds availability
US20100250407A1 (en) Systems, methods and machine-readable mediums for consolidating financial information from multiple accounts maintained with a plurality of financial institutions
US20180121975A1 (en) Providing security in electronic real-time transactions
US20080162348A1 (en) Electronic-Purse Transaction Method and System
US20190318354A1 (en) Secure electronic billing with real-time funds availability
US20170300881A1 (en) Secure electronic billing and collection with real-time funds availability
Madina The use of digital technologies in the financial, banking and tax spheres of Uzbekistan
JP5785272B2 (en) Unsecured funding system for credit card merchants by purchasing uncertain future credit receivables
JP2002140516A (en) Method and system for property bond issue
US7756780B2 (en) Method and system for balance transfer operations
US20100191587A1 (en) Transaction system for charitable fund raising, with tax benefit
US20150317729A1 (en) Financial Evaluation Based on Foreign Remittance Activity
KR20000024171A (en) Internet Auto-Insurance Premium-Calculation and Application System
US7917437B1 (en) Method for avoiding intermediated payment aggregation
KR100927146B1 (en) Interest rate swap processing method and system derived from fixed interest rate in connection with variable loan
CN101663683A (en) System and method for financial transaction
KR20010095938A (en) Prepayment system using mileage
WO2018016658A1 (en) System and method of administering insurance scheme
KR20220082356A (en) System and method for annuity management
KR100348348B1 (en) Method for paying duties by proxy, lending money of duties

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application