KR20010104782A - Insurance Subscription/Management Method using Internet with real-time - Google Patents

Abstract

The present invention relates to a real-time insurance subscription / management method using the Internet, in particular ECI (External Control Protocol / Internet Protocol) protocol for transmitting data over the Internet and between the SNA (Systems Network Architecture) network of insurance companies The present invention relates to a real-time insurance subscription / management method using the Internet that provides not only real-time insurance on the Internet by interfacing data using Call Interfacing, but also provides other insurance services to clients.

In the past, the insurer's network is composed of SNA (Systems Network Architecture) network, so the interface for combining with the TCP / IP protocol, which is an Internet protocol, is not defined. Therefore, insurance and other insurance services can be provided to clients in real time on the Internet. There was a problem that could not be.

The present invention defines the ECI interface between the TCP / IP protocol and the SNA network, which is an internet protocol, so that a client can easily be insured and receive insurance services in real time on the Internet.

Description

Insurance Subscription / Management Method using Internet with real-time}

The present invention relates to a real-time insurance subscription / management method using the Internet, in particular ECI (External Control Protocol / Internet Protocol) protocol for transmitting data over the Internet and between the SNA (Systems Network Architecture) network of insurance companies The present invention relates to a real-time insurance subscription / management method using the Internet that provides not only real-time insurance on the Internet by interfacing data using Call Interfacing, but also provides other insurance services to clients.

In general, the Internet has already changed the concept of time, space, and speed, changing the mode of human existence itself. This situation provides companies with the same opportunity to create unlimited business opportunities in the global environment and to secure a myriad of potential clients.

However, since the insurer's network is composed of SNA (Systems Network Architecture) networks, the interface for combining with the TCP / IP protocol, which is an Internet protocol, is not defined, so that insurance and other insurance services can be provided to clients in real time on the Internet. There was a problem that could not be.

The present invention has been proposed to solve the problems described above, the object of which is to define an ECI (External Call Interface) that can be combined with the SNA network of the insurer and TCP / IP of the Internet, the insurance using the ECI It is to provide a real-time insurance subscription / management method using the Internet to provide services to clients in real time.

1 is a block diagram showing an insurance system using the Internet according to the present invention,

2 is a flowchart showing a method of insurance and insurance management using the Internet according to the present invention;

3 is a detailed configuration diagram for explaining the insurance subscription / management method using the Internet according to the present invention,

4 is a flowchart illustrating a process of processing data in the insurance company of FIG.

5 is a flowchart for explaining the process of FIG. 4 in detail;

FIG. 6 is a flowchart for describing a process after calling the ECI of FIG. 5 in detail.

<Description of Symbols for Main Parts of Drawings>

100: insurance company 110: client

130: Insurance Development Institute 140: National Certification Body

150: financial company / card company 210: web server

211: Internet Information Server (IIS)

212: Microsoft Transaction Server

213: Web Server Database 240: Authentication System

300: SNA network (Systems Network Architecture)

310: Host

311: Customer Information Control System (CICS)

312: Database of Hosts 330: Insurance Agency Hosts

350: financial company / card company host

A feature of the present invention for achieving the above object is the process of receiving an insurance application from the client subscribed to the member of the insurance company; Querying the client data using the social security number extracted from the database storing the client information; Outputting the client data and the insurance contract and requesting confirmation from the client; Automatically calculating the premium of the client when the client data and insurance contract are confirmed by the client; The process of being certified for insurance; Sending insurance certificate and insurance payment receipt upon receiving insurance premium from the client after authentication of insurance subscription; Inquiring whether or not to receive other insurance services; If he or she wishes to receive other insurance services, he or she may include providing other insurance services.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

As shown in FIG. 1, the insurance company 100 provides insurance service through the Internet in real time to the client 110 and the client (as shown in FIG. 1). Insurance development agency 130 that provides the information of the insurance company 100 to the insurance company 100, the national certification authority 140 that authenticates the insurance, and the insurance premiums are automatically stored in the account of the client 110 according to the request of the client 110. It is provided with a financial company / card company 150 to transfer to the insurance company (100).

In this way, the method of registering or managing insurance in real time using the Internet is performed as shown in FIG. 2.

First, a client 110 having an insurance subscription request accesses a web site of an insurance company 100 using a web browser such as Netscape or Explorer and joins a member of the insurance company 100. In this case, the items necessary for membership registration are the same as the items required for insurance, and the insurance company 100 receives an ID and password from the client 110 and confirms that there are no duplicate IDs to approve the corresponding ID and password (step). S10).

Subsequently, if the client 110 applies for insurance, the client 110 accesses the insurance company 100, inputs his ID and password, receives approval from the insurance company 100, and then provides the insurance company 100. Check the type of insurance, and choose one of your own insurance and apply for it. Accordingly, the insurance company 100 inquires the information of the client 110 from the insurance development agency 130 in the SNA network through the ECI using the resident registration number entered by the client 110 when the member joins, and the information of the client 110 is included in the information. The insurance previously included (including insurance of other insurance companies), etc. are included (step S20).

The insurance company 100 inquiring the information of the client 110 from the insurance development agency 130 requests the client 110 to confirm the insurance contract matters and the information of the client 110 inquired by the insurance development agency 130 (step S30). ). At this time, when the client 110 confirms the insurance contents previously subscribed and applies for subscription, the insurance company 110 automatically calculates the premium for the insurance that the client 110 intends to subscribe to and presents the insurance to the client 110. (Step S40).

After automatically calculating and presenting the insurance premium to the client 110, insurance is provided from a national certification body (the two national certification bodies in Korea are SignGate or Sign Korea) 140. Authentication for subscription is received (step S50).

Subsequently, the insurance company 100 inquires of the client 110 to pay the premium now, and if the client 110 responds, the insurance company 100 connects to the financial company or the card company 150 that the client 110 is dealing with and the corresponding premium. Is paid via internet banking or card payment (step S60).

Accordingly, since the insurance contract is concluded, the insurance company 100 sends the receipt of the insurance policy and the premium payment for the insurance to the client 110 by e-mail and mail (step S70).

Thereafter, when the client 110 accesses the website of the insurance company 100 to change the insurance contract or receive another service, the insurance company 100 asks the client 110 whether to provide another insurance service. (Step S80). When the client 110 requests to be provided with another insurance service, the insurance company 100 processes this to provide another insurance service to the client 110. For example, in order to receive an agreement loan or a credit loan using the insurance subscribed by the client 110, the client 110 connects to the insurance company 100 through the Internet and applies for a loan to the insurance company 100. The insurance company 100 processes the loan application of the client 110 in real time and automatically transfers it to the account of the client 110 (step S90).

Referring to the configuration of the network for performing such an operation in detail as shown in FIG.

The insurance company 100 on the Internet includes a web server 210 that a client 110 connects through the Internet and provides a client 110 with a web page of the insurance company 100 on a web browser of the client 110. It is provided with a host 310 that handles insurance services, such as insurance, loan of (110).

The web server 210 transmits data to the IIS server 211 that transmits and receives data to and from the client 110 using the TCP / IP protocol, and to the transaction management and host 310 of the web server 210 using ECI. MTS 212 to deliver, and a database 213 that stores member data for the client 110 is provided.

The MTS 212 includes a CICS connection module 220 for transferring data to the host 310.

Then, the web server 210 of the insurance company 100 is authenticated for the insurance subscription using the TCP / IP from the authentication system 240 of the national certification authority 140.

In addition, the host 310 of the insurance company 100 is a network is formed by the SNA network connected to the host 330 of the insurance development agency 130 and the host 350 of the financial company / card company 150 by a dedicated line.

The process of processing data in the configuration as described above is performed as shown in FIG.

First, when the client 110 accesses the web server 210 of the insurance company 100 by using a web browser such as Netscape or Explorer, the web server 210 of the insurance company 100 is connected to the web browser of the client 110. The insurance company 100 provides a web page. At this time, the web page of the insurance company 100 is provided by an ASP (not shown), which is a software block existing in the IIS server 211 of the web server 210, the ASP does not make the web page in HTML format in advance. When the client 110 requests a web browser, an HTML-formatted web page is created and provided to the client 110 using the TCP / IP protocol. The ASP also provides a web page for the client 110 to fit into any web browser, such as Netscape, Explorer, or Scripter.

Thereafter, when the client 110 inputs its own ID and password, which is member data, the web server 211 of the insurance company 100 receives it (step S410). The MTS 212 of the web server 211 which has received the member data compiles the member data to convert it into machine language code that can be recognized by the computer (step S420). Here, MTS was called 'Viper' at the time of development and is a program that runs on a web server or a network server which is an internet server. That is, it manages application or database transaction requests on behalf of the client.

Then, ECI, which is an interface for transmitting the compiled member data to the host 310 of the insurance company 100 existing in the SNA network, is called (step S430), and the member data is transferred to the host 310 using the called ECI. It transmits (step S440). Accordingly, the host 310 processes the insurance service desired by the client 110. That is, when the information of the client 110 is inquired, the insurance company host 330 connected to the leased line using the resident registration number of the client 110 inquires the information of the client 110 or the financial company / card company when paying the premium of the client 110. The premium is transferred from the host 350. The host 310 of the insurance company 100 which has performed such a process transmits the processing result to the web server 210 by using the ECI (step S450). In response, the web server 210 receiving the insurance service processing result of the client 110 determines whether the processing result is normally processed or abnormally processed (step S460). At this time, if the processing result is normal, the client 110 transmits the requested insurance service to the web browser of the client 110 (step S470). If the processing result is abnormal, an error is sent to the web browser of the client 110. The message is output (step S480).

The process of processing the member data in the insurance company 100 in the above-described process will be described in more detail as shown in FIG. 5.

Member data is received from the client 110 by the IIS server 211 of the web server 210 (step S500). Then, the MTS 212 designates the program name of the host 310 that processes the insurance service desired by the client 110 and the data length for transmitting to the database 312 for the corresponding member data (step S501). The member data is compiled to generate an object file (step S502). Thereafter, the compiled member data is allocated and stored (step S503), the ECI which is an interface for transmitting the member data to the host 310 is called (step S504), and the state of the ECI call is checked (step S503). If the call state is normal, the member data is transmitted to the host 310 using the ECI (step S505). If the call state is abnormal, the data transmission is canceled (step S510).

After transmitting the member data, the web server 210 receives the transmission result whether the member data has been normally received from the host 310 (step S507).

After receiving the member data, the host 310 extracts the information of the client 110 stored in the database 312 by using the member data, processes the insurance service of the client 110, and then displays the corresponding processing result on the web. Transfer to server 210. When the web server 210 receives the processing result, it is determined whether the member data processing is normally processed (step S508). If the member data processing has been processed normally, the client 110 is notified of the processing result (step S508). S509), if the member data processing is abnormal, an error message is output on the web browser of the client 110 (step S511).

Looking at the process of calling the above-described ECI in more detail, it is performed as shown in FIG.

When the MTS 212 of the web server 210 calls the ECI, the DLL file for executing the ECI is loaded. Here, a DLL file is a collection of small programs, and any of them can be called when needed by a large program running in a computer. That is, a small program allows a large program to communicate with a specific device such as a printer or scanner. Then, the DLL file has a file extension of almost '* .dll' and is not compiled with the main program, and is dynamically linked with the programs using it during execution (step S600).

The client 110 copies the variables for the ID and password input when the insurance company 100 connects to the member data variables stored in the host 601 (step S601). Since the version for calling the ECI in the MTS 212 and the version for calling the ECI embedded in the host 310 must be the same, the calling version of the ECI is designated to be the same as the calling version of the host (step S602). Subsequently, a transmission mode for transmitting member data to the host 310 is designated, and specifying a member data transmission mode requires that the transmission mode between the host 310 and the web server 210 be identical to the member data at the host 310. Can be received (step S603). After designating the transfer mode, the member data for the host 310 is copied to the parameter for transmitting the member data (step S604). Thereafter, an end time for receiving a processing result after transmission of the member data is designated. If the end time is not received but the web server 210 does not receive the result of processing the member data, it means that abnormal processing of the member data has been performed. Therefore, an error message is output to the web browser of the client 110 (step S605). After specifying the end time, the MTS 212 connects with the CICS connection module 220 in the MTS 212 to call the CICS of the host 310 to connect the data transmission module (step S606). Here, CICS is an OLTP program that easily manages transaction-oriented tasks for data entry and transaction inquiry in a number of industries including banks, airlines, mail orders, supermarkets, manufacturers, and the like.

Thereafter, the host 310 receives a return code for determining whether the member data has been normally received (step S607), and copies an ABEND code for identifying an error generated during insurance service processing (step S608).

Although the preferred embodiments of the present invention have been described in detail above, it will be understood by those skilled in the art that the present invention may be modified or modified in various ways. Accordingly, modifications to the embodiments of the present invention will not be possible without departing from the technical scope of the present invention.

As described above, the present invention defines the ECI interface between the TCP / IP protocol and the SNA network, which is an Internet protocol, so that a client can easily receive insurance and receive services in real time on the Internet.

Claims (8)

Receiving an insurance application from a client enrolled in an insurance company; Retrieving the client data using the social security number from the database where the client information is stored; Outputting the client data and the insurance contract and requesting confirmation from the client; Automatically calculating the premium of the client when the client data and insurance contract are confirmed by the client; The process of being certified for insurance; Sending insurance certificate and insurance payment receipt upon receiving insurance premium from the client after authentication of insurance subscription; Inquiring whether or not to receive other insurance services; If you want to receive other insurance services, real-time insurance subscription / management method comprising the step of providing other insurance services. The method of claim 1, Receiving and compiling member data from an insurance company's web server; Calling, by the insurance company's web server, an ECI to send the compiled member data to a host; Delivering the compiled member data to the host using the ECI; Receiving a processing result of the compiled member data from the host; Determining whether the processing result of the member data is normal; And if the processing result of the member data is normal, notifying the client of the processing result. The method of claim 2, wherein the receiving and compiling the member data at the web server comprises: Designating a program name and data length for member data; Compiling the member data to generate an object file insurance insurance / management method using the Internet, characterized in that it further comprises. The method of claim 2, wherein the step of calling the ECI, Storing the compiled member data in a transmission buffer for transmission to the host; Real-time insurance subscription / management method using the Internet, characterized in that further comprising the step of calling the ECI, the call state of the ECI. The method of claim 4, wherein If the call state of the ECI is normal, the insurance member / insurance method using the Internet characterized in that for delivering the compiled member data to the host. The method of claim 4, wherein If the call state of the ECI is abnormal, the insurance subscription / management method using the Internet, characterized in that the cancellation of the transmission of the compiled member data to the host. The method of claim 2, If the member data processing result is abnormal, real-time insurance subscription / management method using the Internet characterized in that it further comprises the step of delivering an error message to the client. The method of claim 4, wherein the step of determining the call state of the ECI by calling the ECI, Invoking the ECI, loading the DLL file; Copying a variable of member data into a variable to be processed in the host; Specifying the same version as the ECI call version of the host; Designating a transmission mode for transmitting member data to the host; Copying member data into a parameter sent to the host; Designating a member data transmission end time; Invoking CICS of the host to connect to the host; After a CICS call, receiving a return code indicating an ECI call status from a host; And copying the ABEND code to identify an error occurring in the member data processing.