KR20010098013A - Bankasurance Vehicle insurance entrance system and method through the internet - Google Patents

Abstract

The present invention relates to a system and method for auto insurance insurance through the Internet. The subscriber accesses the information provider's server through the Internet and inputs basic personal information. The information providing server calculates the insurance premiums of each insurance company based on the basic personal information of the subscriber, and divides the schedule into the cheapest automobile insurance premiums and decides the amount to be paid in a certain period. Make a deposit. From the first payment of the savings, the subscriber is provided with an opportunity to receive some or all of the savings to be paid by the compensation insurance provided by the information providing server. On the expiration date of the subscriber's auto insurance, the information providing server receives the auto credit loan provided by the partner bank to the subscriber and subscribes the automobile insurance to the insurance company desired by the customer. By doing so, subscribers can get affordable car insurance with minimal monthly payments.

Description

Bankasurance Vehicle insurance entrance system and method through the internet}

The present invention relates to a system and method for bancassurance car insurance through the Internet. Particularly, when a user accesses a business operator via the Internet to input basic data and pays a monthly amount to the affiliated bank, the server of the business operator can The present invention relates to a system and method for bancassurance auto insurance through the Internet that allows auto insurance to be subscribed to a car insurance company at a low premium using a prize compensation insurance and a cash back system.

These days, the Internet is closely related to our lives and provides a variety of information to our users.

Some computer carriers allow you to access the Internet through their communications server, or you can install a dedicated line or your own server to access the Internet directly.

On the other hand, in the past, a car user personally signed a car insurance with an insurance company.

The premiums were paid in one lump sum, two installments and six installments.

Lump-sum payment is a method of paying 100% of car insurance premiums by the due date, and payment by card is also possible.

The second installment pays the first premium, 100% of the liability premium and 60% of the optional premium in the first round, and the second pays the remaining 40% five months after the first round. At this time, the card payment is the same as lump sum payment.

The sixth installment is the first premium, 100% of liability premiums, 16.7% of arbitrary premiums, about 16.7% in the first round, and the total random premiums in the second to sixth rounds are equally paid by about 16.7%. In this case, however, a direct debit agreement is required. At this time, it is the same as the lump sum payment upon card payment.

Such a premium payment method has a disadvantage in that an individual enters a large amount of money at a time in a bank account and pays a high card interest even when paying with a card.

The technical problem to be achieved by the present invention is to improve the above-mentioned disadvantages, the subscriber enters the basic data by accessing the operator via the Internet, and the automatic payment of the monthly fixed amount to the affiliated bank, the operator is a subscriber Affiliated banks will pay the auto insurance premiums to the subscribers through the auto credit loans on the auto insurance expiration date.

By doing so, you are paid cash on the cash back into your compensation insurance and any interest you owe, and you pay off some or all of the auto premium paid by offsetting the principal and interest on the loan. The present invention provides a system and method for bancassurance car insurance through the Internet.

1 is a block diagram of a bancassurance car insurance subscription system through the Internet according to an embodiment of the present invention.

2 is a flowchart illustrating an operation of a bancassurance insurance plan through the Internet according to an embodiment of the present invention.

3 is a diagram illustrating a difference between a bancassurance auto insurance subscription system and a conventional system through the Internet according to an embodiment of the present invention.

Bancassurance car insurance subscription system through the Internet according to one feature of the present invention for solving this problem,

An insurance information database that stores insurance information about the insurance company;

A subscriber database that stores information about insurance coverage for a subscriber;

When a user connects via the Internet with a computer equipped with a web browser and inputs basic personal information, the insurance premiums of each insurance company are calculated according to the basic personal information entered, and the insurance premiums are equally distributed to the lowest premium. Determining the installment, and includes an information providing server for claiming the installment on the subscriber on the day.

In order to solve these problems, the method of subscribing to bancassurance car insurance through the Internet according to another feature of the present invention is

The subscriber accesses the information providing server of the operator through the Internet using a computer, and inputs the basic personal information;

The information providing server calculates the insurance premiums of each insurance company based on the subscriber's basic personal information entered into, and divides them into the lowest cost insurance premiums, and decides the amount to be paid in a certain period. Claiming;

The information providing server includes the step of subscribing the auto insurance to the insurance company with the loan from which the subscriber receives the Internet auto credit loan from the partner bank on the expiration date of the auto insurance of the subscriber.

Next, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a bancassurance car insurance subscription system through the Internet according to an embodiment of the present invention.

As shown in Figure 1, the bancassurance car insurance subscription system through the Internet according to an embodiment of the present invention,

Subscriber's computer 3;

An insurance information database 6 storing insurance information about the insurance company;

A subscriber database 8 that stores information about insurance coverage for a subscriber;

When a user connects via internet to a computer equipped with a web browser and inputs basic personal information, the insurance premiums of each insurance company are calculated according to the basic personal information entered, and the insurance premiums are equally distributed to the lowest premium. An information providing server 7 for determining the installment and providing the subscriber with the automobile insurance on the expiration date of the automobile insurance;

Insurance company server 1;

A bank server 2; And

And other Internet service provider server 4.

The subscriber computer 3 is connected to the Internet network 5 via a private communication network, and may be connected to the Internet network 5 with its own server.

Then, the operation of the bancassurance car insurance mediation system through the Internet having such a configuration will be described with reference to FIG.

First, the insurance term is defined as follows.

Contingency insurance is insurance that pays in accordance with the contents of the insurance, considering it is an insurance accident when it is insured by the probability of occurrence or non-occurrence of a specific event as a statistical value.

For example, if you have more than 1cm of snow on Christmas, you can pay out prizes to new customers, or if you win more than 15 gold medals at the Sydney Olympics, you can pay to new customers. An insurance product used as a customer's free product.

Prize compensation insurance as an auto insurance sales promotion product is licensed by the Financial Supervisory Service, and is not regulated.

Insurable profit means that the premium is paid by the operator, but the insurance benefits are received by the customer, so the policyholder has no insurable interest.

On the other hand, auto insurance is mandatory insurance, and if it is not, insurance is subject to social sanctions, and it can induce customers' interest by incorporating prize compensation insurance. will be.

2 is a flowchart illustrating an automobile insurance subscription method through the Internet according to an embodiment of the present invention.

First, the computer user 3 accesses the information providing server 7 of the operator through the Internet network 5 (S21).

Then, the information providing server 7 checks whether the user is a legitimate subscriber by checking the ID and password of the connected user (S22).

If the user is a legitimate subscriber, the information providing server 7 provides various information related to the insurance desired by the subscriber and a prize compensation insurance event (S24).

On the other hand, if the user is not a legitimate subscriber, the information providing server 7 inquires whether the user wants a new subscription (S23).

If the user does not want a new subscription, the information providing server 7 provides only the allowed information.

If the user wants a new subscription, the information providing server 7 receives insurance-related basic information from the user and stores it in the subscriber database 8 (S25).

Next, the information providing server 7 calculates the car insurance premiums for each insurer according to the subscriber's information, divides the premium calculated as the cheapest premium among them, sets the first share as the monthly payment, and then informs the subscriber of the insurance premium ( S26).

The subscriber pays a one-time installment to the relevant bank (1) and subscribes to bancassurance auto insurance through the Internet, so that he / she is eligible for the auto credit loan for the entire auto insurance premium to be paid. (S27), the information providing server 7 is entitled to participate in various prize compensation insurance. (S28) At this time, the information providing server 7 and other Internet service provider server (4) and the Internet network (5). ), The accumulated cash points can be collected from the subscriber's principal card company, the principal refiner, the principal securities company, and the Internet shopping mall operator who accumulates a lot of cyber money into the relevant direct debit account under the subscriber's application. In this case, the monthly payment to be paid by the subscriber is paid at the first accumulated cash back point, and the shortage is automatically withdrawn from the subscriber's account. In this case, some or all of the premiums may be discounted according to the points and the prize compensation insurance program.

On the other hand, the member continues to participate in the prize compensation insurance to accumulate the reserves (S29), each time the monthly payments of the members to accumulate the accumulated interest on the installments (S30).

The information providing server 7 receives the monthly payment from the bank server 2 every month, and when the insurance maturity date of the subscribers is reached, the subscriber provides the car insurance to the insurance company server 1 that the member wants through the Internet automatic credit loan that the subscriber receives from the partner bank. Subscribing on behalf of the Internet, the insurer sends the subscriber's insurance policy and receipt to the subscriber (S32).

On the other hand, the member can repay the entire car insurance premium loan early with the prize compensation insurance (S33).

The member accumulates by paying the first installment, the principal of the installment until the final payment of the 12th installment, the interest earned on the installment and the prize money won by the compensation insurance, etc., and Cash Back points provided by other Internet operators. Even after repaying the principal and interest on the auto insurance Internet auto credit loan with cash, the balance will accumulate in the bank account (S34, S35).

The subscriber must re-enroll in accordance with the renewal of the auto insurance, so he re-enrolls in such a product exclusively for bancassurance auto insurance through the Internet. (S36)

In fact, Fig. 3 shows the result of comparing the savings of the amount of the existing car insurance with the car insurance of the present invention.

As shown in Figure 3, the present invention is left even after the loan principal repayment.

As described above, in the embodiment of the present invention, subscribers using the Internet and bancassurance can legally discount car insurance with a minimum monthly payment, and can be inexpensively subscribed, so that the burden of money is eliminated at one time. The system and method of bancassurance auto insurance through the Internet has the advantage that the subscriber, the operator, the bancassurance affiliate bank, and each enemy insurance company can benefit.

This is summarized in detail as follows.

Subscriber: You can sign up for legal insurance with minimal payment, and don't have to pay a lot of money.

Since it is a reservation subscription through the Internet, the subscription details are entered in advance, so it is automatically subscribed at the expiration, making the subscription more convenient and convenient.

Some or all of the premiums paid through Prize Compensation Insurance may be refunded.

Applicable operators: 000 cyber Internet insurance agent

Regardless of the customer's auto insurance expiration date, insurance reservations can be encouraged.

By using a sales promotion strategy called prize compensation insurance, you can increase your earnings (sales) in marketing terms.

The renewal rate can be increased when renewing a customer's car insurance.

You can get profits from surveys on the Internet, banhurt ads, and e-commerce with the opening of shopping malls.

Bancassurance Affiliate Bank:

As it is a household loan, income increases according to credit by stable small loans (minimization of work cost through internet loan)

Contributing to the activation of banking transactions through the Internet, and the increase in performance from the development of exclusive products in the handling of new bancassurance business.

Return on investment and increase in balance due to the opening of "bank account for exclusive use of bancassurance car insurance" by the partner bank.

Marshal Insurance Company:

The additional business expenses can be greatly reduced by securing insurance reservation customers and handling insurance contracts through the Internet.

If an existing customer pays the premium through a credit card, the merchant's commission paid to the credit card company can be reduced by 3.6%.

With the activation of insurance through the Internet, it is expected to popularize internet insurance due to the ripple effect on other insurance items.

Claims (4)

An insurance information database that stores insurance information about the insurance company; A subscriber database that stores information about insurance coverage for a subscriber; When a user connects via the Internet with a computer equipped with a web browser and inputs basic personal information, the insurance premiums of each insurance company are calculated according to the basic personal information entered, and the lowest premium is paid in equal amounts. A system for bancassurance car insurance over the Internet that includes an information providing server that determines an installment and charges the subscriber with a payment from a partner bank when the bancassurance car insurance is purchased through the Internet. The method of claim 1, The information providing server subscribes the insurance to the insurance company on the insurance expiration date of the subscriber's insurance due to the automatic credit loan on the car insurance premium paid to the subscriber at the same time as the subscriber pays the first installment to the partner bank. And a bancassurance auto insurance subscription system via the Internet, characterized in that it is entitled to participate in various prize compensation insurance. The subscriber accesses the information providing server of the operator through the Internet using a computer, and participates in the prize compensation insurance program; If the subscriber has a bancassurance car insurance through the Internet, the opportunity to receive a part or all of the car insurance savings to the prize money received by participating in the prize compensation insurance provided by the information providing server; How to buy bancassurance car insurance through the Internet, characterized in that. The method of claim 3, The information providing server connects the cash points provided by other Internet operators such as card companies, shopping malls, securities companies, oil companies, etc., to which the subscriber is required to pay bancassurance affiliate banks, to the Internet network under the subscriber's application. Method of joining bancassurance car insurance through the Internet, characterized in that the first payment from the monthly installment to be collected into the installment direct debit account, and the shortage is automatically transferred to the subscriber's account.