KR20000050077A - Method for Serving Insurance Contract using Internet - Google Patents

Abstract

PURPOSE: A method for intermediating an internet insurance contract service is provided to exchange all sorts of information related to insurance subscription application and to process insurance work by connecting users and insurance handling institutes in real time through a virtual insurance contract computer system. CONSTITUTION: A virtual insurance operating manager(30) is equivalent to a web site registered in the internet and operates and manages a virtual insurance operating network solution(40). A virtual insurance computer system(50) executes the virtual insurance operating network solution(40). A search engine(60) operated by the virtual insurance computer system(50) is to reinforce data processing efficiency and a search function in operating the virtual insurance operating network solution(40). A network server(70) stores and manages all processed results operated by the virtual insurance operating network solution(40). A database(90) stores private information and goods information that insurance handling institutes(A-C) hold.

Description

How to broker an Internet insurance handling service {Method for Serving Insurance Contract using Internet}

The present invention relates to an insurance handling service using the Internet, and more particularly, to construct a virtual insurace contract computer system in cyberspace and to provide real-time insurance handling agencies and users through the virtual insurance handling computer system. The present invention relates to a method for intermediary insurance handling services that enables the insurance business to be processed while exchanging various information related to insurance application.

It is known to apply for insurance using the Internet. The general method is a form in which an Internet user 1 and an insurance handling agency 3 using a computer system process information while directly exchanging information through the Internet 2 network, as shown in FIG. When the insurance handling agency 3 is connected to the insurance handling agency 3, the insurance handling agency 3 first evaluates the information provided from the Internet user 1 through its own information database 4, and then the shared information database 5 ) Is used to evaluate the entry again to determine eligibility. Here, the data processing for evaluating input information is applied to integrate and process its own information and shared information separately for the purpose of processing efficiency. To this end, each insurance handling agency shares and uses customer information. The eligibility criteria for membership are determined by the independent criteria of the insurance handling agency (3).

FIG. 2 shows a flow chart of the insurance business handling and certification process handled by the regulatory standard of the insurance handling agency 3 when the Internet user 1 requests insurance from the insurance handling agency 3 via the Internet.

When the Internet user 1 first decides on the insurance handling agency 3, he or she accesses the Internet (S1), or first accesses the Internet and selects the desired insurance handling agency (3) (S2). The agency 3 guides various insurance products. If the Internet user 1 decides in advance according to the insurance product guide or inputs user information according to the instructions of the insurance agent 3 (S3), the inputted user information is the data processing host of the insurance agent 3 It is inputted in to propose a master plan such as a subscription plan (S4). According to the planned subscription design, the information is retrieved by data processing by the loan management agency 3's own management database 4 (S5), and the user information is retrieved using the shared information database 5 again. After (S6), the calculated variables, such as monthly payment, dividend desired amount, compensation amount, etc. are calculated according to the inquiry result (S7). Then, the inputted variables are combined to determine whether they are suitable for the insurance product of the insurance handling agency 3 (S8), and if the handling criteria are met, a handling approval procedure is carried out (S9), and the results are transmitted to the Internet user. Similarly, if the insurance handling criteria are not met (compliance with the product conditions, etc.), the result is sent to the Internet user with a notification of the cause of the non-conformance (S10), and the processing of the insurance handling process is terminated by subscription and rejection (S11).

In this case, when a specific insurance handling agency (3) is called through the Internet to apply for insurance, the Internet user A, the potential customer of insurance, was denied because he did not receive the desired insurance design from the insurance handling agency B. When user A designs a subscription to company C other than company B and requests it, he or she receives a notification that he or she can purchase insurance under the desired conditions. This is because the insurance agency's products and application standards differ.

What is important here is that the possibility of underwriting transactions between Internet user A and insurance handling agency C is blocked. In other words, although A and C can trade with each other, A is not aware of C, which is equivalent to A's inconvenience in financial transactions and C's loss of customer transactions. This phenomenon is indicated by the customer's awareness of the information.

In addition, B and C clearly applied different insurance products and coverage criteria. This is normal in the competition of commodity sales, but because financial products are different from other goods, this does not help to activate financial transactions.

On the other hand, there is a service that provides a computer system of the affiliated financial institution among the insurance services using the Internet, and when the customer applies for insurance, the conditions desired by the customer are transmitted in a data transmission method rather than a real time method. In other words, the amount or interest rate that can be insured by the administrator or judged by the data processing at the head office or branch of an individual insurance handling agency computer system is transmitted from an Internet user to an e-mail or data file. This takes a lot, and likewise, Internet users are independent of insurance-related information unless they are connected to other insurance agencies.

As such, Internet users (1) are alienated from insurance information because they do not know the details of different subscription criteria and products for each insurance handling agency (3), and the insurance handling agency (3), on the contrary, presents enough products for potential customers. Despite being able to do so, it results in the loss of good product sales opportunities by being alienated from potential customers, which is caused by the failure to deliver various product information desired by the customer to the desired place in real time.

Accordingly, an object of the present invention is to provide a new service that is openly operated on the Internet in order to reduce inconveniences in transactions between Internet users and insurance handling agencies or inconsistencies in insurance transactions caused by absence of product information. It is to provide an insurance handling service method using a virtual insurance handling agency.

Another object of the present invention is to provide a virtual insurance handling agency on the Internet to the actual insurance handling agency according to the application of the predetermined criteria to connect the insurance candidates proposed by the insurance handling agency by the competition of free goods, insurance handling work procedures It is to reduce the processing cost.

Features of the present invention for achieving this object,

If an Internet user accesses the Internet, obtains insurance product information according to the guidance of the insurance agency, and enters the information, he / she starts the inquiry and evaluation through the self-managed database and the shared information database of the insurance agency. In the Internet insurance handling service method of determining and transmitting the result to the Internet user,

Internet insurance handling service method of the present invention,

Allowing a computer user who wishes to insure to access the Internet through a computer terminal and go through a virtual insurance network solution on the Internet on behalf of each individual insurance agency;

Registering the subscription conditions and information of the Internet user through the virtual insurance network solution and requesting insurance;

Registering the requested information from the internet user computer system into a virtual insurance network solution and transmitting the goods and information requested by the internet user to each insurance handling agency computer system through the virtual insurance computer system;

The company searches for its products in the computer systems owned by each insurance handling agency, evaluates all the product information corresponding to the insurance conditions requested by the user, and the information provided from the virtual insurance computer system, and sends the result to the virtual insurance computer system. Sending the step,

The virtual insurance computer system classifies or analyzes the product information and the information evaluation result transmitted from the computer system of each insurance handling agency, selects the optimal insurance handling agency and product desired by the user, and transmits the result to the user computer system. Step by step,

By the mediation of the virtual insurance computer system, the Internet user designates a desired insurance handling agency and goods, characterized in that the step of connecting the insurance handling agency with the Internet user to guide the insurance.

1 is a block diagram illustrating a general Internet insurance processing process

2 is a flow chart showing a conventional Internet insurance processing process

3 is a block diagram illustrating an internet insurance processing process according to the present invention.

4 is a flow chart for explaining the Internet insurance process according to the present invention.

* Description of the symbols for the main parts of the drawings *

10: Internet user 20: Internet

30: Virtual insurance manager 40: Virtual insurance network solution

50: virtual insurance computer system 60: search engine

70: network server 80: insurance handling agency

90: database

When an Internet user who wishes to purchase insurance is connected to the Internet, the virtual insurance network solution intermediates the Internet user and insurance handling agency and immediately brokers an insurance handling agency that provides the optimal product information and conditions to the Internet user. Activation and open sharing of product information between suppliers and consumers.

3 is a block diagram of an internet financial loan service data processing according to the present invention.

Here, the code 10 is all Internet users including individuals or corporations and organizations, the code 20 is an internet network, the code 30 is a virtual insurance operation manager corresponding to a website registered on the Internet, and 40 is a virtual insurance operation manager (30). Is a network solution for virtual insurance operation, which is operated and managed by a network, and 50 is a virtual insurance computer system that performs the virtual insurance network solution 40. Reference numeral 60 denotes a search engine that can be operated by the virtual insurance computer system 50 for the purpose of enhancing data processing efficiency and retrieval function in operating the network solution 40, and 70 denotes all processing results operated by the network solution. It represents a network server for storing and managing the data, 80 are a number of insurance handling agencies ABC ... agreed with the entity that operates the virtual insurance operation manager 40, and the commercial agreement by prior agreement or bylaws, 90 are each It represents a database in which personal information and product information held by the insurance handling agency 80 are stored.

The main insurance procedure according to the present invention proceeds as follows.

A virtual insurance network solution 40 on the Internet 20 in which an Internet user 10, a user of a computer system who wishes to purchase insurance, accesses the Internet 20 through a computer terminal and brokers the work of each individual insurance handling agency 80. And the insurance conditions and personal information of the Internet user 10 through the virtual insurance computer system 50, requesting each insurance handling agency 80 to register the insurance, and registering the information. And registering the information requested from the Internet user computer system into the virtual insurance computer system 50 and transmitting the goods and personal information requested by the user to each insurance handling agency computer system through the virtual insurance computer system 50. And, all insurance companies that search for their products in the computer system owned by each insurance handling agency 80, and corresponding to the insurance conditions requested by the user Evaluating the product information and the personal information provided from the virtual insurance computer system 50 through the database 90 and transmitting the result to the virtual insurance network solution 40;

The virtual insurance computer system 50 classifies or analyzes the product information received from the computer system of each insurance handling agency 80 to select the optimal product and insurance handling agency 80 desired by the user, and the result is displayed on the Internet. The step of transmitting to the user 10 computer system, and the step of directly connecting the Internet user 10 and the insurance handling agency 80 by the mediation of the virtual insurance network solution 40.

An embodiment is shown in the flow chart of FIG. 4, which is a process of processing a subscription through the Internet, designation and connection of a suitable insurance handling agency for the application, and detailed information on products through a virtual insurance network solution. Yes.

When the Internet user 10 accesses the Internet through a wired or wireless network (S10) and calls the virtual insurance operation manager 30, which is a website uploaded on the Internet (S11), the virtual insurance operation manager 30 is connected to the Internet. The basic information data of the Internet user including the personal information of the user, the list necessary for the insurance, and the recognized product information is transmitted to the virtual insurance network solution 40 (S12). Receives Internet user information data through the virtual insurance network solution 40 and processes the data file in a suitable form through the virtual insurance computer system 50 or performs data processing to output the input data information as information ( S13). When the information data received by the virtual insurance network solution 40 is transmitted to the insurance agency 80 linked in advance (S14), based on the basic data received from the virtual insurance network solution 40, insurance handling agency ( 80 classifies product recommendation and the like by applying its own standard and starts information processing through the database 90 (S15). Herein, the information or application criteria stored in the database 90 may be different or similar for each insurance handling agency 80, and a standard that is determined autonomously within a general insurance handling scope is applied.

The information data of the Internet users processed by the computer system of the insurance handling agency 80 is such as the availability of insurance, the appropriate goods and subscription conditions, the result of the information processing, and the like. In step S16, the virtual insurance network solution 40 is transmitted.

The virtual insurance network solution 40 collects the data transmitted from each insurance handling agency 80 and gives a processing instruction to the virtual insurance computer system 50 to classify the insurance handling agency 80 presenting the optimal condition. The classification is started, and the conditions are based on the various conditions included in the information data (subscription conditions, monthly payments, dividend payment amount, compensation amount, etc.) provided by the Internet user among the various conditions presented by each insurance handling agency 80. The insurance handling agency 80 presenting the merchandise in proximity is classified (S17). In order to execute the operation efficiently in step S17, a search engine 60 may be used to search for data transmitted from the insurance agency 80. When step S17 is performed, the final product intended by the Internet user may be used. It is the same as recommended with the insurance handling agency 80, and notifies the recommendation and selection results to ask whether insurance can be subscribed (S18), if possible, the Internet user 10 and the insurance handling agency 80 directly connected After finishing (S19 ~ S20).

In steps S10 to S20, the internet user 10 and the insurance handling agency 80 do not directly exchange information related to the insurance product, but simply input the information into the virtual insurance network solution 40 built on the Internet site. Receive approvals and products related to insurance.

The virtual insurance network solution 40 is a collection of several different insurance handling agencies 80 in one place, where various conditions presented by each insurance handling agency 80 are collected and processed through the virtual insurance computer system 50. Then, by recommending the insurance handling agency 80 and the insurance product that presents the optimal conditions to the Internet user (10) corresponding to the desired customer to subscribe insurance.

The Internet user 10 as a consumer does not need to be aware of the different insurance product application criteria applied by each insurance handling agency 80. Also, all the insurance handling agencies which are applied at the present time even though the recognition of the product information is low. It is possible to select an insurance handling institution 80 which presents the most advantageous conditions of the insurance product of 80). As a result, inconveniences in transactions between insurance handling agencies and applicants for insurance are reduced or inconveniences in insurance transactions caused by the absence of product information are applied to the product standards of insurance handling institutions.

The certification process can be changed at any time in accordance with a separate agreement between the network operator and the insurance agencies involved. For example, the final decision of insurance approval may be processed by the virtual insurance computer system according to the agreement, or may be performed by the relevant insurance handling agency recommended as shown in the flow chart of FIG. 4, by designating an independent certification authority. The form of performing the authentication procedure is also possible.

The present invention provides a network solution virtually established on the Internet, so that insurance agencies can connect according to a predetermined standard, thereby linking the insurance candidates proposed by the insurance agency by free competition. Reduces processing costs to activate insurance transactions. Application of the insurance handling transaction method can be applied to general insurance handling agencies and all insurance insurers, and the insurance handling agencies register and participate in accordance with the network solution operation agreement to openly sell their products to unspecified individuals through competition. can do.

According to the present invention, it is possible to select an advantageous insurance product among various product information of each insurance handling agency by the role of a mediation by a virtual insurance network solution that enables real-time interface with each insurance handling agency. It reduces the hassle of visiting or accessing various insurance handling agencies over the Internet to approve and select better products, and is operated under the agreement of insurance handling agencies and network operation managers. There is an effect that can help to activate the transaction.

Claims (2)

When an Internet user connects to the Internet, obtains product information on insurance coverage according to the guidance of an insurance agency, and enters data, he starts a search and evaluation through the insurance management agency's own management database and shared information database. In the Internet insurance service method of determining whether to approve the subscription and transmit the result to the Internet user, Internet insurance handling service method, Internet user who is a computer system user who wants to be insured, accesses internet through computer terminal and goes through virtual insurance network solution on the Internet that acts as broker for each individual insurance handling agency; Registering the insurance conditions and information of the Internet user through the virtual insurance computer system to provide information related to insurance insurance and to register the information; Registering information requested from the Internet user computer system into a virtual insurance computer system, and transmitting the products and information requested by the user to each insurance handling agency computer system through the virtual insurance computer system; Search the company's products in the computer system owned by each insurance handling agency, evaluate all the product information corresponding to the insurance condition requested by the user and the information provided from the virtual insurance computer system through a database and evaluate the result through the database. Transfer to a network solution, The virtual insurance computer system classifies or analyzes the product information and the evaluation result received from the computer system of each insurance handling agency, selects the optimal product and insurance handling agency desired by the user, and transmits the result to the Internet user computer system. Internet insurance handling service brokerage method, characterized in that consisting of steps. The method of claim 1, Internet insurance handling service brokerage method comprising the step of directly connecting the Internet user and insurance handling agency by the mediation of the virtual insurance network solution.