KR20020003951A - Method for insurance plan by using internet - Google Patents

Abstract

PURPOSE: A method for designing an insurance using the Internet is provided to reduce a cost in accordance with managing insurance designers and subscribers by applying a love degree between a man and a woman to an insurance commodity on the Internet and relaying the information to an insurance company. CONSTITUTION: The first and second users connect to a homepage of an insurance mediator and performs a member joining process through a public switching telephone network or an exclusive line(116¯118). Insurance commodities are displayed and the first and second users select and join to one insurance commodity being supplied by an Internet insurance mediator in accordance with a selection of the users(119¯120). A question survey and a consultation are performed for creating a love point capable of deciding a love degree of the first and second users(121). The love point is supplied for paying an insurance money as an objective criterion. The love insurance mediates a commodity and user information being supplied from the Internet insurance mediator to the Internet insurance company(122).

Description

Method for insurance plan by using internet}

The present invention relates to an insurance contract method on the Internet, and more particularly, to an online insurance design method for providing a medium of a commercial insurance product by pointing out objective criteria provided by a server and subjective criteria provided by a user. will be.

In general, insurance is provided by visiting an insurance company or an insurance company employed by an insurance company. The types of insurance are limited to health insurance, life insurance, education insurance, accident insurance, etc. I can't.

Recently, insurance products are provided on the Internet and users can purchase insurance by paying low-cost insurance payments. These insurance products have been converted from insurance attraction by insurance planners to insurance attracting methods using the Internet. Insurance companies can reduce labor costs by insurance planners, and insurers can reduce the time wasted due to attracting insurance planners.

However, the conventional insurance design method is to determine the insurance suitability of the insured by the conditions provided by the insurance company unilaterally, there is a problem that the insured must select the desired insurance products in accordance with the unilaterally provided subscription criteria.

In addition, the method of designing insurance using the Internet must select an insurance product that meets the subscription criteria provided to the insurance company, and the insurance company must store and manage data for sales and management directly. And there is a problem that must invest a lot of money and time in data management.

The present invention has been made in order to solve the above problems, by applying the degree of love of men and women on the Internet on the Internet to mediate the information to the insurance company to reduce the cost of insurance and subscriber management on the Internet The purpose is to provide a method of insurance design.

1 to 3 is a schematic configuration diagram of an apparatus for an insurance design method according to an embodiment of the present invention,

4a to 4b is a flow chart showing an insurance design method according to an embodiment of the present invention,

* Explanation of symbols for main parts of the drawings

101: user 1 102: user 2

103: public switched telephone network (PSTN) 104: Internet

105: Internet insurance broker 106: Internet insurance company

107: web server 108: homepage

109: public gateway interface 110: database

The present invention for achieving the above object is a first step of performing a member authentication process by subscribing to the Internet insurance brokerage service; A second step of performing a predetermined member registration process if authentication fails as a result of performing the first step; A third step of displaying an insurance product upon successful authentication as a result of performing the first step; A fourth step of determining whether to subscribe to an insurance product displayed by the internet insurance brokerage service; A fifth step of performing a member registration process when joining the insurance product as a result of the determination in the fourth step; A sixth step after the fifth step, performing a questionnaire and a task for obtaining a love point; A seventh step of performing the third step if the job is selected as a result of the determination in the fourth step; And an eighth step of requesting stored user information and a love point after the sixth step.

Hereinafter, the preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the technical idea of the present invention. .

Hereinafter, the insurance design method on the Internet according to an embodiment of the present invention will be described.

1 is a configuration diagram of a service system for designing insurance on the Internet according to an embodiment of the present invention. The first and second users 101 and 102, the public switched telephone network 103, and the Internet 104 as insurers are shown in FIG. Internet insurance broker 105, which manages insurance data received from the first and second users 101 and 102, receives insurance data of the first and second users 101 and 102 requested by the insurance broker 105 to provide insurance products. Insurance service provider 106 is included.

As shown in the figure, the insurance design method on the Internet is mainly provided by the Internet insurance broker 105 and the insurance service provider 106, the first and second users (101, 102) using a modem to establish a public switched telephone network ( 103, the Internet 104 is connected, and a user's web browser is used to access the homepage of the insurance broker 105 and input his information.

The internet insurance broker 105 is a web server 107 which is a server providing a web service, a homepage 108 which serves as an interface for the first and second users 101 and 102 accessing the web server 107, A common gateway interface (CGI) 109 for receiving and transferring member IDs and passwords of the first and second users 101 and 102 that interface with the homepage 108, a user who subscribes to insurance, an insurance product, and It is composed of a database 110 that stores the post-management information of the insurance product.

The first and second users 101 and 102 access the web server 107, which is connected to the Internet 104 by a dedicated line, and use the homepage 108 of the insurance broker 105 to sign up for membership. Enter your password. At this time, the public gateway interface 109 confirms the member ID and password in the database 110, and transmits the result back to the homepage 108 so that the first and second users 101 and 102 can confirm it. .

Attached Figure 3 is an embodiment configuration of a database of insurance brokering service to which the present invention is applied, a member management database 111 that stores a member ID, password, and predetermined information of a user, and stores insurance product information. Insurance product database 112, a love point database 113 storing love points for the first and second users, a love memory database 114 for providing the love points to the first and second users, and The insurance company database 115 stores insurance companies that receive member information of the first and second users from an internet insurance broker.

An insurance design method through the Internet according to an embodiment of the present invention configured as described above will be described.

First, the first and second users 101 and 102 access the homepage 108 of the insurance broker 105 through a public telephone exchange network 103 or a dedicated line, and then perform a predetermined membership registration process (116 to 118).

Subsequently, if the membership registration and membership authentication procedures of the first and second users 101 and 102 are correctly performed, the insurance product is displayed and provided by the Internet insurance broker 105 according to the selection of the first and second users among the displayed insurance products. Subscribe to insurance products (hereinafter referred to as love insurance) (119-120). For example, the first and second users 101 and 102 are men and women who have an organic relationship with each other, and include a lover and a couple, and the first and second users 101 and 102 who have subscribed to the love insurance have the consent of each other or two of them. By the judgment of any one person, the love insurance can be purchased.

Subsequently, the first and second users 101 and 102 perform a survey and consultation for creating a love point that can determine their love degree (hereinafter, abbreviated as 'love point') (121). It is later provided as an objective criterion for insurance coverage. Here, the love insurance may be either a product provided by an internet insurance company or an insurance product brokering user information provided by an internet insurance broker 105 to the internet insurance company 106 (122).

In addition, the love insurance is used to induce continuous love and attention using a variety of love points, and at the same time provides a physical and mental compensation in case of occurrence of insurance payments that occur before the subsequent expiration.

In addition, the love insurance is characterized in that the first and second users (101, 102) to join jointly to give a mental reward to the lover to break up before expiration, and also compensation for disaster.

The internet insurance broker 105 provides a subscription criterion for the love insurance, and in particular, provides a criterion that is differentiated from a general insurance product. That is, in general, the subject of the insurance product is limited to the physical and the material, but the love insurance applies the love between lovers to the product, and provides the following criteria to objectify the love between the lovers.

In detail, as the first objective love point required when signing up for love insurance, it may occur to the first and second users (101, 102) in daily life such as e-mail, gift, number of flowers, and date. The point of expression is to survey the love expression (125). The first objective rough point is provided as a basic love point when a certain point is reached at the time of initial enrollment. When the subscriber responds to a questionnaire of a certain type provided by the insurance agent 105, the corresponding score is provided. It is a basic love point provided to the subscriber by using the granting method.

After joining the love insurance, the second objective love point, which is the standard of insurance payment, responds to the free form questionnaire provided by insurance brokers with age, issues, and trends for the expression of love after joining love insurance. (126).

In addition, the first and second objective love points may be set at regular intervals for systematic scoring, and the subsequent love points may be increased by answering a questionnaire required by the insurance agent. In this case, the first objective love point and the second objective love point may be the same type of questionnaire provided or may be a completely different type of questionnaire, and the type of questionnaire may be provided with various items to give a score for each item. The subscribers the opportunity to earn love points. In addition, for all items, record that the receiver (first user or second user) received for objectivity of the data, and all items are given the same score and can be recorded only up to two times in order to limit the scoring. If there is no recordable number of points, there is no limit on scoring, so it is allowed only up to two times to give all subscribers an equal opportunity. In other words, if you receive 10 emails, only 2 emails will be scored.

As described above, the first and second objective love points are the first and second users 101 and 102 by assigning a score through the tasks and consultation provided by the insurance agent 105 as a basis of insurance payment when the reason for insurance payment occurs. Is adopted.

Lastly, the subjective love point is to point out quarrels that may occur between the first and second users 101 and 102 or desired points to each other, fulfillment of each other's appointments, etc. (127), and provide them as the deduction points of the love points, It provides a diary that can be shared by the first and second users (101, 102).

As described above, the love point utilizes the interactiveness of the Internet and the convenience of use to point out love expressions occurring between the first and second users 101 and 102 by periodical tasks and consultations, thereby insuring insurance. It is adopted as the standard for the provision of insurance and the payment of insurance benefits (129-130).

The first and second objective love points and the subjective love points are made through the homepage 108 of the insurance broker 105 and are databased and stored in the love memory so that the first and second users can check them later.

Here, the love memory is not only the quantitative data of the love points but also the love diary of the first and second users 101 and 102 who are the subscribers, and records the love process of the first and second users 101 and 102. This is primarily a love point generation process, but acts as a driving force for inducing competitive love as a medium for the first and second users 101 and 102 to make a continuous love.

Referring to the method of calculating the love point, the degree of contribution to the love point is given to the first objective love point, the second objective love point, and the subjective love point acquired through questionnaire preparation and consultation, respectively. For example, 30% of the first objective love point, 30% of the second objective love point, and 40% of the subjective love point may be given, and the contribution degree to the love point may be given differently.

As described above, the Internet insurance broker 105 provides love insurance to a dedicated homepage 108 to create and manage love points, which love insurance provides a unique structure and database to create and manage love points. Has In addition, the love insurance provided by the internet insurance broker 105 may promote insurance products by providing various information to not only the first and second users 101 and 102 who have subscribed to the insurance but also other users who visit the love insurance. And manages a love memory, which is a process of generating love points, and provides them to the first and second users 101 and 102.

As described above, the insurance product according to the embodiment of the present invention specifically targets the male and female lovers, the love and disaster between the two lovers as its contents, and of course, those who have a marital relationship are also eligible for subscription. On the other hand, insurance payment is decided by an Internet insurance company or a general insurance company, and the insurance party for mental damage is determined based on the love point provided by the internet insurance broker and the insurance money is paid to the relevant party. However, the payment of insurance benefits is based on the sincerity of love by Love Points.

The description of the business method of such insurance products will be omitted in the present invention.

In addition, the questionnaire, assignment, and consultation for the love point generation may be provided by an internet insurance broker or an internet insurance company, and the member information of the first and second users may be provided only when the internet insurance company requests the provision. Ask for the provision of member information when joining an insurance product.

Although the technical idea of the present invention has been described in detail according to the above preferred embodiment, it should be noted that the above-described embodiment is for the purpose of description and not of limitation. In addition, those skilled in the art will understand that various embodiments are possible within the scope of the technical idea of the present invention.

Unlike the life insurance and casualty insurance, the present invention described above can apply love between men and women to insurance, and a user who wants to purchase insurance can conveniently purchase insurance using the Internet without visiting an insurance agent or an insurance agent. In addition, insurance companies have the effect of reducing the management and cost of insurance products.

The present invention can be said to be an original model in that it is applied to the area of insurance by quantifying it in the object of love and using the web or the method of generating love points quantified. And the purpose is not just an insurance function such as disaster or mental compensation, but in the process of making love points, two insured couples play a role as a medium to broaden their understanding of each other and lead them to true interest and love. I would say. And this has the effect that it can lead the truth of the reason textbook in the institutional aspect.

In addition, since the main target group of insurance products is alienated from the insurance and the highest utilization of the Internet, it can contribute to the expansion of the insurance market and the vitalization of the market.

Claims (2)

A first step of subscribing to an internet insurance brokerage service and performing a member authentication process; A second step of performing a predetermined member registration process if authentication fails as a result of performing the first step; A third step of displaying an insurance product upon successful authentication as a result of performing the first step; A fourth step of determining whether to subscribe to an insurance product displayed by the internet insurance brokerage service; A fifth step of performing a member registration process when joining the insurance product as a result of the determination in the fourth step; After the fifth step, a sixth step of performing a questionnaire and a task for obtaining a love point A seventh step of performing the third step if the job is selected as a result of the determination in the fourth step; And An eighth step of requesting stored user information and a love point after the sixth step; Insurance design method on the Internet comprising a. The method of claim 1, The sixth step, A ninth step of performing a questionnaire and a task for acquiring a first objective love point given during initial subscription among the love points; And After the ninth step, a tenth step of periodically conducting a survey and a task to obtain additional love ins