KR20010108695A - System for providing insurance service to netizen and method for providing the insurance service by means of the same - Google Patents

Abstract

An insurance service providing system for a network user and an insurance service providing method using the same are provided. According to the present invention, there is provided a insurance service providing method comprising the steps of: a) a user accessing a predetermined homepage through a communication network; b) accessing the home page to the user; c) displaying the home page to be accessed by the user; And d) providing insurance services to a user viewing the home page.

In addition, the insurance service providing system according to the present invention includes data storage means for storing the information displayed on the homepage and the information related to the insurance service; And a main server for managing data storage means and providing insurance services to the user when the user accesses the homepage.

Accordingly, when using an insurance service providing system and method for a network user according to the present invention, users can prepare for a risk without a separate subscription procedure or cost.

Description

Insurance service providing system for network users and method of providing insurance service using the same {SYSTEM FOR PROVIDING INSURANCE SERVICE TO NETIZEN AND METHOD FOR PROVIDING THE INSURANCE SERVICE BY MEANS OF THE SAME}

The present invention relates to a system for providing an insurance service to a user viewing an advertisement or a homepage through a communication network, and an insurance service providing method using the same.

In recent years, as a communication network such as the Internet is rapidly developed and spread to the public, a company that operates a company promotes the company through a communication network as well as media such as television, radio, and newspapers.

Some of these operators are in the insurance business, and those in the insurance business promote insurance services through a communication network and receive insurance subscriptions from netizens to provide insurance services to netizens.

Accordingly, netizens living in a modern society where life-threatening accidents or illnesses are prevalent can apply for insurance through the network and pay premiums online or offline, just in case. The service is provided. In this way, netizens recognize the need for insurance and, if possible, try to cope with accidents by purchasing various types of insurance.

However, in this case, there is a problem that netizens have to purchase insurance through a separate subscription procedure, and there is a problem that excessive premiums have to be paid.

The present invention has been made in an effort to provide a system capable of providing insurance services to netizens without a separate subscription procedure and an insurance service providing method using the same in order to effectively solve the above problems.

1 is a block diagram schematically showing a system for providing insurance service for a network user according to a first embodiment of the present invention.

2A to 2D are diagrams showing data stored in the comprehensive information management database and its format in the main server shown in FIG.

3 is a flow chart illustrating a first embodiment of providing insurance services using the system in FIG.

FIG. 4 is a diagram schematically showing an embodiment of a screen of an operator homepage displayed to a user when providing insurance service according to the flowchart in FIG. 3.

FIG. 5 is a flow chart illustrating a second embodiment of providing insurance services using the system of FIG.

6 is a block diagram schematically showing a system for providing insurance service for a network user according to a second embodiment of the present invention.

7A to 7C are diagrams showing data stored in a mail management database by the main server in FIG. 6 and their formats.

8 is a flow chart illustrating a method of providing insurance services using the system of FIG.

<Description of the symbols for the main parts of the drawings>

1: communication network 10: user computer

20: main server 21: communication server

30: comprehensive information management database 30a: member information database

30b: Insurance information database 30c: Member company information database

30d: Operator homepage information database

One aspect of the present invention for achieving the above object relates to a method for providing insurance services to a user using a communication network. The insurance service providing method of the present invention comprises the steps of: a) accessing a predetermined homepage by the user through the communication network; b) accessing the home page to the user; c) displaying the home page being accessed to the user; And d) providing the insurance service to the user viewing the home page.

Another aspect of the present invention for achieving the above object relates to a method for providing insurance services to a user of a user computer connected to a communication network. The insurance service providing method of the present invention comprises the steps of: a) sending an e-mail to the user computer via the communication network; And b) if the user confirms the e-mail, providing the insurance service to the user.

One aspect of the present invention for achieving the above object relates to a system for providing an insurance service to a user accessing a homepage. The insurance service providing system of the present invention includes data storage means for storing contents displayed on a homepage and information related to the insurance service; And a main server for managing the data storage means and providing the insurance service to the user when the user accesses the homepage.

Another aspect of the present invention for achieving the other object relates to a system for providing insurance services to a user using a computer communication network. The system of the present invention includes data storage means for storing e-mail information to be transmitted to the user; And a main server for transmitting the e-mail information stored in the data storage means to the user, and providing the insurance service to the user when the user checks the e-mail.

Hereinafter, exemplary embodiments of an insurance service providing system for a network user and an insurance service providing method using the same will be described in detail with reference to FIGS. 1 to 8.

1 is a block diagram schematically showing a system for providing insurance service for a network user according to a first embodiment of the present invention.

As shown in FIG. 1, the insurance service providing system according to the first embodiment of the present invention is connected to a communication network 1 through a plurality of user computers 10 and a communication server 21 connected to the communication network 1. And a main server 20, a comprehensive information management database 30 connected to the main server 20, and at least one member use server 40 connected to the communication network 1.

The user of the system according to the present invention can access the main server 20 and the member use server 40 connected to the communication network 1 using the user computer 10. The user inputs his or her personal information, such as age, medical history, social security number, etc. to the user computer 10. In this case, the personal information input to the user computer 10 is provided to the main server 20 through the communication network (1).

The main server 20 manages a comprehensive information management database 30 and operates a site for providing insurance services. Accordingly, the main server 20 receives the user's personal information through the user computer 10 and registers the user as a member of the site, and the member ID (hereinafter referred to as "member ID") for each user. ). In addition, the main server 20 receives various company information provided from member companies and information on various insurance services provided by an insurance company through the member use server 40. In this case, the main server 20 stores all the information provided from the user, the insurance company and the member company in the comprehensive information management database 30 and manages the information stored in the comprehensive information management database 30. In other words, when each of the information providers, that is, the user, the insurance company, and the member company, provides the new information, the main server 20 stores the existing information already stored in the comprehensive information management database 30. Update to. In this case, the communication server 21 transmits the information transmitted through the communication network 1 to the main server 20, and transmits the information transmitted from the main server 20 to the communication network 1.

Meanwhile, the comprehensive information management database 30 includes a member information database 30a storing information related to a user, an insurance information database 30b storing information related to an insurance service, and a member company information database storing information related to a member company. 30c and the operator homepage information database 30d which provides information related to the homepage of the site operator, the information may be managed.

In this case, as shown in FIG. 2A, the member information database 30a includes the ID of each member, the age of the member, the medical history of the member, the resident registration number of the member, and the insurance provided by the member. Information related to the service is stored. In the insurance information database 30b, as shown in FIG. 2B, an insurance company provides such types of insurance, terms of each insurance, premiums for each insurance, and insurance contract period (for example, one day or one week). Information is mainly stored. As shown in FIG. 2C, the member company information database 30c stores a list of member companies that pay premiums for each member, the homepage address of each member, premiums or scores provided by each member company, and the like. As shown in FIG. 2D, the operator homepage information database 30d stores an operator homepage including a greeting prepared by an operator, advertisements for member companies, homepage addresses of member companies, trade names of member companies, and the like.

In addition, the member use server 40 is operated for each member company, the member use server 40 manages the homepage of each member company. Accordingly, the user can access the homepage of each member company by using the user computer 10 connected to the member use server 40. The homepage of each member company is linked to the operator homepage.

FIG. 3 is a diagram showing a first embodiment of providing insurance service using the system of FIG. 1, and is a flowchart showing a case where a user is provided with insurance service by accessing an operator homepage.

As shown in Figs. 1 to 3, when the user logs in, that is, connects to the main server 20 through the communication network 1 using the user computer 10 (S110), the main server 20 is connected. Check whether the registered user is a registered member in the insurance service providing site operated by the main server 20 (S120).

If it is confirmed in the checking step (S120) that the user accessing the main server 20 is not a registered member, the main server 20 induces the connected user to register as a new member (S122). . In this case, in order to register as a member of the insurance service providing site, the connected user applies for membership registration by accurately and detailing his or her personal information such as his / her age, medical history, social security number, and the like. Subsequently, when the connected user is registered as a new member, the main server 20 gives a member ID to a user registered as a member (S124), and stores information about the new member in the member information database 30a. (S126).

On the other hand, in the checking step (S120), if the user accessing the main server 20 is a member registered in the insurance service providing site, the user computer 10 is the operator homepage stored in the comprehensive information management database 30 It is connected to (S130). At this time, the advertisement of the member company and the member I.D input field is displayed on the operator homepage. In this case, it is preferable that the type of insurance service and insurance contract period for which the member pays the premium is displayed together with the advertisement.

Subsequently, when the user inputs the member ID into the ID input box on the operator homepage using the user computer 10, the main server 20 receives the member ID (S140) and provides a predetermined insurance service to the user. (S150). Then, the main server 20 stores the information on the insurance service provided by the user in the member information database 30a and updates the information stored in the member information database 30a (S160). In this case, the user becomes an insured person according to the terms and conditions of the insurance and a predetermined contract condition, so that the user can enjoy the benefits provided by the insurance service.

In addition, a user authentication program for knowing that a member visits the operator homepage may be provided to a user registered as a member of the present embodiment. In this case, the user can subscribe to the insurance service without inputting member I.D.

In the present embodiment, the member company's advertisement is configured and described as being displayed on the screen of the operator homepage. In another embodiment, as shown in FIG. 4, the advertisement of the member company is selected on the screen of the operator homepage. At least one tag (two in the example) for example, a banner advertisement may be displayed, and when the user selects the tag, an advertisement associated with the tag and a member ID input field may be displayed.

FIG. 5 is a flowchart illustrating a second embodiment of providing insurance service using the system of FIG. 1, and is a flowchart illustrating a case where a user connects to a member company homepage through an operator homepage.

As shown in Figs. 1 and 5, when a user logs in, that is, connects to the main server 20 through the communication network 1 using the user computer 10 (S210), the main server 20 is connected. Check whether the user is a registered member of the insurance service providing site (S220).

In the checking step (S220), if it is confirmed that the user connected to the main server 20 is not a member registered on the site, the main server 20 induces the connected user to register as a new member ( S222). In this case, in order to register as a member, the connected user applies for membership registration by describing personal information such as his / her age, medical history, social security number, etc. accurately and in detail. Subsequently, when the connected user is registered as a new member, the main server 20 gives a member ID to a user registered as a member on the insurance service providing site (S224) and the new member to the member information database 30a. Store the personal information for (S226).

In addition, a member authentication program for knowing that a member visits when visiting a member company homepage may be provided to a user who is registered as a member of the present embodiment. In this case, the user can subscribe to the insurance service without inputting member I.D.

On the other hand, in the checking step (S220), if the user accessing the main server 20 is a member registered in the insurance service providing site, the user computer 10 is the operator homepage stored in the comprehensive information management database 30 It is connected to (S230). At this time, on the user computer 10, the address of the member company homepage included in the operator homepage or the trade name of the member company is displayed. In this case, it is preferable that the type of insurance service and insurance contract period for which the member pays the premium is displayed together on the operator homepage.

Subsequently, when the user clicks on the member company homepage address or the member company's name displayed on the operator homepage, the main server 20 connects the user computer 10 to the homepage of the member company clicked by the user ( S240).

At this time, the main server 20 provides a predetermined score to the user accessing the member company's homepage, and adds the score provided to the user to the user's score stored in the member information database 30a, and the member information database. The information stored in 30a is updated (S250).

Then, when the user applies for a predetermined insurance service, the main server 20 examines the cumulative score stored in the member information database 30a to determine whether the cumulative score of the user can be provided with the insurance service. Check (S260).

In the checking step (S260), if it is confirmed that the cumulative score of the user stored in the member information database (30a) is not enough to provide insurance services, the main server 20 is a user computer through the communication network (1) Notify (10) that it is impossible to provide insurance services (S262).

On the other hand, in the checking step (S260), if the cumulative score of the user stored in the member information database (30a) is confirmed to be enough to receive the insurance service, the main server 20 provides insurance services to the user It provides (S270). In this case, the main server 20 decreases the cumulative score of the user by a score corresponding to the insurance service provided to the user, records the insurance service provided by the user, and updates the member information database 30a (S280). ). On the other hand, the user becomes a subscriber of the contract contracted according to a predetermined contract condition, and can enjoy the benefits provided by the insurance service.

In the present embodiment, the case in which the user accesses the member use server 40 through the main server 20 is illustrated and described. On the contrary, the user directly accesses the member use server 40 to check the homepage of the member company. In addition, the member use server 40 transmits the information about the user accessing the member company homepage to the main server 20, so that the main server 20 provides the user with a score to update the member information database 30a. You can do that.

In addition, in the embodiments of providing the insurance service using the system in FIG. 1 described above, a system configured with only one member use server 40 is illustrated and described, but is not limited thereto. In the insurance service providing system, a plurality of member use servers 40 may be connected to the communication network 1.

6 is a block diagram schematically showing a system for providing insurance service for a network user according to a second embodiment of the present invention. In describing the present embodiment, similar parts to the system for providing insurance service according to the first embodiment of the present invention described above, for example, a communication network and a user computer, are different from the system according to the first embodiment. Only the same reference numerals are used as those in the system according to the first embodiment.

As shown in FIG. 6, the insurance service providing system according to the second embodiment of the present invention is connected to the communication network 1 through a plurality of user computers 10 and a communication server 51 connected to the communication network 1. The main server 50 and the mail management database 60 is connected to the main server 50.

The user of the system according to the present invention can access the main server 50 connected to the communication network 1 using the user computer 10.

The main server 50 operates a site that provides insurance services and manages a mail management database 60. Accordingly, the main server 50 receives the user's personal information input to the user computer 10 and registers the user as a member, and a member ID (hereinafter referred to as "member ID") to each user. To give. In addition, the main server 50 receives insurance information provided from an insurance company through the communication network (1). The main server 50 updates existing information already stored in the mail management database 60 with new information newly provided to the main server 50. In this case, the communication server 51 transmits the information transmitted through the communication network 1 to the main server 50, and transmits the information transmitted from the main server 50 to the communication network 1.

On the other hand, the mail management database 60 is a member information database (60a) for storing information related to the user, that is, the mail recipient, insurance information database (60b) for storing information related to the insurance service and the advertisement to be sent to the user The mail information database 60c may store and manage information related to a plurality of mails.

In this case, as shown in FIG. 7A, the member information database 60a includes a member ID of each member, a member's age, a member's medical history, a member's resident registration number, and a member provided by the main server 50. Information about insurance services and the member's e-mail address are stored. In the insurance information database 60b, as shown in FIG. 7B, an insurance company provides such types of insurance, terms of each insurance, premiums for each insurance, and insurance contract period (for example, one day or one week). Information is mainly stored. As shown in FIG. 7C, the mail information database 60c stores contents of an e-mail to be transmitted to the members, ie greetings, advertisements of member companies, types of insurance services provided, and the like.

8 is a flowchart illustrating one embodiment of a method of providing insurance services using the system of FIG.

6 and 8, the main server 50 sends an e-mail to the user computer 10 of the user through the communication network 51 (S310). In this case, the e-mail includes a member's advertisement, information on insurance services, and the like, sent to the user. The user may be a member registered in the insurance service providing site operated by the main server 50.

Then, the main server 50 determines whether the e-mail sent to the user computer 10 is confirmed by the user (S320).

In the determination step (S320), if it is determined that the e-mail is confirmed by the user, the main server 50 by providing the insurance service to the user who confirmed the e-mail in accordance with a predetermined contract condition (S330), the Ensure that users receive substantially the same benefits as insureds.

Subsequently, the main server 50 stores information on the insurance service provided to the user, and updates the member information database 60a (S340).

The insurance service provided in various embodiments described herein is preferably provided free of charge to a user accessing the homepage of the main server, the homepage of the member company, or an e-mail. However, in the present invention, an insurance service can be provided even if the user pays only a small premium in the name of the subscription fee.

Meanwhile, various embodiments of the present invention described above may be written as a program that can be executed in a computer. And, using a medium used in a computer, it can be implemented in a general-purpose digital computer for operating the program. The medium may be a magnetic recording medium (for example, a ROM, a floppy disk, a hard disk, etc.), an optical reading medium (for example, a CD-ROM, a DVD, etc.) and a carrier wave (for example, Recording media such as, for example, transmission via the Internet.

One embodiment of the recording medium is for recording a method for providing insurance services to a user using a communication network, a) a module through which the user connects to a predetermined homepage through the communication network; b) a module to which the home page is connected to the user; c) a module showing the home page to be accessed by the user; And d) a module for providing the insurance service to the user who views the home page.

Another embodiment of the recording medium is for recording a method of providing insurance services to a plurality of users having a user computer connected to a communication network, the method comprising: a) a module for sending an e-mail to the user computer via the communication network; And b) a module for providing the insurance service to the user when the user checks the e-mail.

Functional modules for implementing the present invention as described above can be easily implemented by programmers with average knowledge in the technical field to which the present invention belongs.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. . For example, when a user displays an advertisement of a member company on a monitor of a user's computer, insurance services of various types and various compensation conditions are provided according to the time of displaying the advertisement. Therefore, the true technical protection scope of the present invention will be defined by the appended claims technical spirit.

In the insurance service providing system for the network user and the insurance service providing method using the same according to the present invention as described above, since the user checks the advertisement or the homepage of a predetermined company, various insurance services can be provided for free or low cost In this case, the user can prepare for the risk without any additional registration procedure or cost.

Claims (18)

In the method of providing insurance services to a user using a communication network, a) accessing a predetermined homepage by the user through the communication network; b) accessing the home page to the user; c) displaying the home page being accessed to the user; And d) providing the insurance service to the user viewing the home page; Insurance service providing method for a network user, characterized in that it comprises a. The method of claim 1, And the homepage is an operator homepage of a site providing the insurance service. The method of claim 1, And the homepage is a homepage of a member company subscribed as a member to a site providing the insurance service. The method according to any one of claims 1 to 3, Step c) is c1) displaying at least one tag for selecting a predetermined advertisement on a screen of the homepage; And c2) displaying the advertisement associated with a tag selected by the user. Insurance service providing method for a network user, characterized in that it comprises a. The method of claim 4, wherein And a tag for selecting the advertisement is a banner advertisement schematically showing the contents of the advertisement. The method of claim 4, wherein The step d), d1) comprising the step of receiving the ID of the user insurance service providing method for a network user. The method of claim 4, wherein Step d), d1) providing a predetermined score to a user accessing the home page; And d2) at the user's request, providing the insurance service according to the user's score Insurance service providing method for a network user, characterized in that it comprises a. The method of claim 7, wherein And the score is accumulated every time the user accesses the home page. A method of providing insurance services to a user of a user computer connected to a communication network, a) sending an e-mail to the user computer via the communication network; and b) if the user confirms the e-mail, providing the insurance service to the user Insurance service providing method for a network user, characterized in that it comprises a. The method of claim 9, And the electronic mail includes a predetermined advertisement. In a system for providing insurance services to a user accessing a homepage, Data storage means for storing contents displayed on the home page and information related to the insurance service; And A main server for managing the data storage means and providing the insurance service to the user when the user accesses the homepage; Insurance service providing system for a network user comprising a. The method of claim 11, Insurance service providing system for a network user, characterized in that the content displayed on the home page includes at least one advertisement. The method of claim 12, The data storage means stores at least one tag respectively associated with the advertisement, And the main server displays the tag on the screen of the home page. The method of claim 13, And the tag is a banner advertisement for schematically representing the advertisement associated with the tag. In a system for providing insurance services to a user using a computer communication network, Data storage means for storing e-mail information to be transmitted to the user; And A main server for transmitting the e-mail information stored in the data storage means to the user and providing the insurance service to the user when the user checks the e-mail. Insurance service providing system for a network user comprising a. The method of claim 15, And said e-mail comprises a predetermined advertisement. Claims [1] A recording medium for recording a method of providing insurance service to a user using a communication network. a) a module through which the user connects to a predetermined homepage through the communication network; b) a module to which the home page is connected to the user; c) a module showing the home page to be accessed by the user; And d) a module for providing the insurance service to the user viewing the home page; Recording medium recording a program for providing insurance services for the network user, comprising a program code executable on a computer. Claims [1] A record carrier for recording a method of providing insurance services to a plurality of users having a user computer connected to a communication network. a) a module for sending an e-mail to said user computer via said communication network; And b) a module for providing the insurance service to the user when the user confirms the e-mail Recording medium recording a program for providing insurance services for the network user, comprising a program code executable on a computer.