KR20010091149A - Insurance auction method through internet - Google Patents

Abstract

PURPOSE: An insurance auction method through the Internet is provided so that a subscriber can select an insurance product and to purchase an insurance article when previously registered bidding participants present their prices for an item that he provides. CONSTITUTION: If a user, connected with the Internet, accesses a web site(S100), the web site's initial screen is output on the monitor of his PC(S101). The web site judges whether the user is a member or a bidding participant(S102). In case that the user is a member, he inputs his ID and password(S103). An operator web server drives a database to compare and judge through the inputted ID and password whether the member is an authenticated member(S104). If the authenticated member registers information for a desired insurance article in the web site(S105), the web server stores a list for the registered article in the database(S106). Meanwhile, in case that the user is a bidding participant, he inputs his ID and password(S107). the web server compares and judges through the inputted ID and password whether the bidding participant is an authenticated bidder(S108). The authenticated bidder participates in bidding for a desired article after searching for information for the articles of the members registered in the database(S110). The web server stores a list of bidding participants in the database(S111). The member, after confirming the status of the bidding participants for the article he registered, selects and determines a suitable bidding participant(S112).

Description

Insurance Auction Method Through Internet}

The present invention relates to a method of insurance auction over the Internet. More specifically, a member who wants to join a car insurance or life insurance, etc., on a website of the Internet uploads information on the amount of subscription and the conditions of subscription, etc. Participate in the bidding, and the member selects the bidders who responded to the bidding, and the insurance auction method through the Internet to select and join the insurance.

In general, insurance is to be guaranteed against a variety of diseases, risks, loss or accidents, and the nature and type of insurance varies. Such insurance can be purchased through an insurance company or an insurance company directly selected by the individual or organization wanting to join. Such insurance is inherently enforced by the designated law and can be purchased at the buyer's request.

Conventionally, auto insurance allows most of the owners who own a car to purchase or renew insurance, and can be renewed annually.

However, the owner of the car did not recognize the exact conditions of enrollment, the method of enrollment, the amount of subscription, etc., or it was not easy to select the various conditions desired by the auto insurance company.

In other words, subscribers usually purchase insurance through an insurance company that sells insurance from a specific insurance company.In this case, the subscriber is insured according to the relevant insurance conditions, such as the conditions and the amount of the subscription of a specific insurance company. It was not easy to compare and judge how different the product of the other insurers was.

Therefore, insurance is not only the most important factor in the amount or condition of the subscription, but also because the insurance company's terms and conditions, such as the design details of the insurance company can show a lot of differences.

However, in the past, various insurances, including auto insurance, are purchased directly by the insurance company or insurance planner. The insurance company sells them through visits or correspondence, and most of them are presented by insurance planners. Since the contract is made according to the terms and conditions of the subscription, the subscriber has a problem that it is not easy to receive the quotes of various insurance companies even if they are selectively enrolled or enrolled through the insurance company that wants the desired insurance and conditions.

In order to solve the above problems, the present invention operates an auction or bidding method for a website for insurance, which corresponds to the Internet. The purpose is to provide a method of insurance auctioning over the Internet in which a pre-registered bidder proposes an appropriate price in response to the conditions and the amount, thereby allowing the member to finally select the bidder to purchase the insurance product. to be.

In addition, the present invention is to provide a variety of insurance, that is, auto insurance, fire insurance, drip insurance, life insurance and pension insurance, retirement insurance, education insurance, etc. through the auction or bidding method to be able to join.

1 is a system construction for auctioning insurance over the Internet according to the present invention,

2 is a flowchart illustrating a method of insurance auction through the Internet according to the present invention;

Figure 3 is a flow chart showing the registration of members or bid participants for insurance auction over the Internet according to the present invention.

♣ Explanation of symbols for main part of drawing ♣

10: insurance auction operator 12: operator web server

14: Database 20: Internet Network

30: Member 40: Bidder

In order to achieve the above object, the present invention provides a method for connecting to a corresponding website by connecting to an internet network, outputting an initial screen of the website, determining whether a member or a bidder is a member, In the case of entering a member's ID and password, determining whether the entered ID and password is an authenticated member, registering information about the item to be insured in the case of an authenticated member, and registering Storing a list of old items in a database; if the bidder is a bidder, inputting an ID and password of the bidder; determining whether the inputted ID and password are authenticated bidders; If you are not a member or bidder, refuse the verification and request a message and reconfirmation. If you are a certified bidder, Storing the list of bid participants in the database, checking and determining the bidding status of the bidders for the information on the items presented by the members, and registering the items for bidding. If the member does not confirm the bidding within the set time, the bidding is automatically performed according to the set conditions, the output and confirmation of the result determined or automatically won by the member, and the member is sent to the bidder according to the successful bidding. It is characterized by performing the step of making a notification.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a system for auctioning insurance through the Internet according to the present invention.

The insurance auction operator 10 is a provider who operates a website for auctioning and bidding insurance products through the Internet. The insurance auction operator 10 manages a website and manages members and bidders. In addition, the insurance auction operator 10 should have a system for operating a website through the Internet.

The operator web server 12 allows the insurance auction operator 10 to store, output, and control data input and output through the Internet network for operation, and input and output of auctions and insurance products for members' products. It is a high-capacity computer that can process, manage, and operate data.

The database 14 stores, outputs, and manages data input and output by driving and controlling the web server 12 for the operator and the program.

The member 30 is a person who intends to sign up insurance through auctions and bids on property (for example, automobile) or intangible property or personal property or life through the Internet. A computer, etc. must be in place.

Bidding participant 40 can freely select the conditions of membership or the amount of subscription from member 30 by providing insurance products related to goods or property or personal or life items attached to auction or bidding through the Internet. In order to provide a service for this, a personal computer for accessing the Internet should be provided.

The internet network 20 has a function of allowing the member 30, the bidder 40, and the insurance auction operator 10 to remotely provide, bid, auction and sell insurance products. It is equipped with a system to perform.

In the present invention, the insurance for bidding and auction can be selectively applied to any one of auto insurance, fire insurance, drip insurance, life insurance, pension insurance, aging insurance, education insurance, and the goods for the auction is insurance It may also be an item for real commerce (eg real estate or real estate) that is not the subject of the product.

Accordingly, the present invention is a method of bidding and auctioning the member and the bidder to select and provide insurance products through the system is made through the flow chart of Figures 2 and 3 as an embodiment.

That is, in step S100, when the member 30 connects to the Internet network 20 and accesses the corresponding website provided by the insurance auction operator 10, in step S101, the member 30's Internet network ( 20) The initial screen of the connected website is output from a monitor such as a personal computer for connection.

In step S102, it is determined whether the target user who accesses the website on the initial screen is the member 30 or the bidder 40.

In this case, the non-member 30 or the bidder 40 is not formally authenticated through the registration process of FIG. In other words, the registration of the member and the bidder in step S120 determines whether to register as the member 30 or the bidder 40 when the initial screen is output by accessing the corresponding Internet website and then in step S121. In the case of the member 30, the member information is inputted, an ID and a password are given. In the step S122, the bidder 40 determines whether the bidder 40 meets the criteria provided for the bidding. .

Therefore, when the bidder 40 meets the criteria in step S123, input of bidder information, ID and password are given, and in step S124, the right to participate in bidding is granted. However, if the bid participants 40 that do not meet the criteria in steps S125 and S126 is given an ID and password, but does not grant the right to participate in the bid.

In step S127, when registration is made with the member 30 and the bidder 40, the corresponding information is stored in the database 14, and in step S128, the member 30 and the bidder 40 of the bidder 40 Classification and registration will be completed.

As such, when the registration process of the member 30 and the bidder 40 is completed, in step S103, in the case of the member 30, the member's ID and password are inputted, and in step S104, the operator's web server ( 12 operates the database 14 to compare and determine whether the inputted member ID and password are authenticated members.

In the case of the member 30 authenticated in step S105, if the member 30 registers the information on the item to be insured on the website, in step S106, the list of registered items is stored in the database 14. ). In the case of auto insurance, for example, registration of bidding items is divided into comprehensive insurance and plus insurance according to the type.In the case of comprehensive insurance, the vehicle, collateral (mandatory; adult, optional; adult, object, Selective joining methods for children, vehicles, etc., and insurance coverage for victim-centered compensation, etc.In the case of plus insurance, privately owned cars, passenger cars with 16 seats or less, vans with 1 ton or less For example, a subscription vehicle for a vehicle, a subscription type for a set type, a subscription method such as a mandatory or optional type, and a compensation range of an insured person (driver) are selected.

In addition, the information on the item to be bid for the member 30, for example, the simple personal information and vehicle information of the member, the driver's range, age, the use of the vehicle, the type of operation of the vehicle, the amount of insurance desired, payment How to register, such as bid closing date will be registered.

In addition, the list of the registered goods, for example, the ID of the registrant and the vehicle name (eg, Potential 2.0), the bid deadline and the number of bids are displayed.

In addition, in the case of the bidder 40 in step S107, input the ID and password of the bidder 40 and determine whether the inputted ID and password are the authorized bidder 40 (S108). Perform

In step S109, if the member 30 and the bidder 40 is not the operator web server 12, the authentication is rejected and a message and reconfirmation are requested.

In the case of the bidder 40 authenticated in the step (S110), after retrieving information on the member's article registered in the database, the bidder 40 participates in the bid for the desired member's article, step ( In the case of participating in the bidding at S111, the list of the bidders 40 is stored in the database 14.

The bidder 40 sees detailed information about the registered goods, and the corresponding information includes, for example, information about the owner of the vehicle, that is, the member's information and the car attached to the auction, a desired subscription amount, and a payment method. Will be.

In step S112, after checking the bidding status of the bidding participants 40 with respect to the information on the items presented by the member, it is determined to select and decide the bidding participants 40 that are considered appropriate. However, if the member who registered the item for bidding in step S113 does not confirm the bidding within the predetermined time period (for example, 24 hours), the set condition (for example, the lowest or highest price suggested by the bidder) The bid is automatically made according to the price between the price and the lowest price.

In step S114, the member 30 decides on its own or automatically checks the result of the successful bid by the passage of time after viewing the list output on the website, and then in step S115, according to the successful bid, the member is sent to the bidder 40. By notifying, the bidding and auction is completed.

When the member 30 confirms and determines the result of the bidding, for example, the member 30 may see the name of the vehicle, the bid deadline, and the number of bidders 40 who have bid and the member 30 is determined to be suitable. If the corresponding bidder 40 is selected, the determined matters can be viewed, for example, the number of the article and the insurance company and the estimated amount are output. When the auction according to the successful bid is completed, the member 30 completes all procedures by deleting the information attached to the auction.

The personal information of the member 30 is disclosed and notified only to the bidding participants 40 who have been successful in order to protect the privacy of the individual, and it is preferable not to expose the personal information of the bidding participants 40, and only the information of the company appears. , This allows the insurance auction operator 10 to examine and certify the bid participants 40 in advance.

In addition, it is desirable that the insurance auction operator operating the website notifies the bidder that he or she can create and manage a website related to insurance information and impose sanctions on inappropriate behaviors for members and bidders.

As described above, the present invention relates to a method of insurance auction through the Internet. When a member who is willing to insure a member posts a corresponding article on a website, the bidder responds to the bid for the article, and the member returns to the bidder who bids again. It is possible to select freely, and the present invention may be sufficiently changed, converted, substituted, and replaced in consideration of the above-mentioned, and is not limited to the above-described one.

As described above, in the insurance auction method through the Internet of the present invention, a vehicle owner who wants to purchase insurance or a member who wants to purchase various insurances presents information on the member's information and goods, the amount of money and the conditions of subscription. If the bidding is posted on the Internet website, the bidder presents the insurance information, the amount of subscription and the conditions of subscription for the relevant member, and the member can select the bidder who bid the bidding to purchase the insurance. It is possible to select more desirable conditions, premiums and insurance companies for members who want to join the company, and bidders can recruit insurance companies through the Internet, sell sales and insurance products, and make reliable and objective judgments for both members and bidders. It is effective to purchase and sell insurance products by.

Claims (4)

Connecting to a website by connecting to an internet network; Outputting the initial screen of the website, Determining whether a member or a bidder; If you are a member, enter the member ID and password, Determining whether the entered ID and password are authenticated members; Registering information about the item you want to insure if you are an authenticated member, Storing a list of registered items in a database; In case of the bidder, inputting the bidder's ID and password; Determining whether the entered ID and password are authenticated bidders, If the member and the bidder is not the step of rejecting authentication and requesting a message and reconfirmation, If the bidder is a certified bidder, Storing a list of bidders in the database in case of bidding, Checking and determining the bidding status of the bidders with respect to the information on the items presented by the members; If the member who registers the item for bidding does not confirm the bidding within the predetermined time period, the bidding is automatically performed according to the set condition; Outputting and confirming the result determined by the member or automatically won, And a member notifies the bidder in accordance with the successful bidding. The method of claim 1, wherein the insurance for the auction selectively applies any one of auto insurance, fire insurance, drip insurance, life insurance, pension insurance, aging insurance, and education insurance. The method of claim 1, wherein the auction item is a product for real commerce and not an object of an insurance product. The method of claim 1, wherein the registration of members and bid participants Determining whether to register as a member or bidding participant when the initial screen is output by accessing the corresponding Internet website; If you are a member, enter the member information, give ID and password, Determining whether the bidders meet the criteria established for bidding, In case of bidding participants, inputting bidding information and giving ID and password; Granting bidding authority if the bidder meets the criteria; If the bidder does not meet the criteria, do not grant the bidding rights, Storing the information in a database when the registration is made as members and bidders; The insurance auction method through the Internet, characterized in that further performing the step of completing the identification and registration of members and bidders.