KR20020004155A - The method and apparatus for insurance entrance and management using mobile telecommunication terminal - Google Patents

Abstract

PURPOSE: An insurance subscription/management method through an Internet-enabled mobile communication terminal an apparatus thereof are provided to allow a user to subscribe for various kinds of insurance, in particular, insurance with a short period and with a small amount of insurance fee such as a tourist insurance. CONSTITUTION: If an insurance subscriber connects to a corresponding insurance company through an Internet access service of a mobile communication terminal, the main screen on which service types of the insurance company are indicated is displayed on a display window of the mobile communication terminal(S101¯S104). If the insurance subscriber selects an insurance subscription on the main screen, types of insurance that the subscriber can subscribe for are displayed(S202). If the insurance subscriber checks a type of insurance and selects a desired insurance, the related information and various options for the corresponding insurance are displayed and the insurance fee and benefits according to the selected option are displayed(S204¯S212).

Description

The method and apparatus for insurance entrance and management using mobile telecommunication terminal}

The present invention relates to an insurance subscription system through the Internet. More specifically, in the case of insurance having a short period such as various insurances, especially travel insurance, and a small amount of payment, it is possible to simply subscribe using an internet-enabled mobile communication terminal. The present invention relates to a method and apparatus for insurance coverage / management through a mobile communication terminal capable of internet.

In general, the insurance business is located in a certain building, the insurance agent visits the home or office, receives the insurance application from the subscriber, and then submits the application to the insurance company. However, such a conventional insurance method has a problem in that the insurance applicant does not receive insurance benefits when an insurance agent submits an application to a recruitment agent and then, in fact, a problem occurs in an intermediate stage from the insurance company to the completion of insurance approval. For example, if the insurance application form received from the applicant for insurance is not submitted to the insurance company due to a loss or error due to the mistake of the insurance recruiter, or the computer cannot be processed due to the mistake of the insurance company. If it occurs.

In order to solve such a problem, in the past, the insurance agent had to carry the terminal computer directly, so that the subscriber's subscription information could be directly input on the spot. Such a prior art is the Republic of Korea Patent No. 0128146 (wireless insurance management system) registered in 1997.

However, the conventional wireless insurance management system can receive the insurance even if the insured dies immediately after submitting the insurance application, and can solve the disadvantage of not receiving the insurance due to the delay of the recruiting agent. In fact, in order to implement such a wireless insurance management system, it is inconvenient for the insurance agent to carry a wireless communication terminal computer separately, and a vehicle equipped with an expensive communication relay device is located within a certain distance. There is a problem in that the insurance registration information transmitted from the computer is sent to the insurance company to complete the insurance registration. In addition, high-quality human resources to operate and manage expensive telecommunication relays should always be on hand, and local limits for communication telecommunication relays to communicate with each terminal, and communication environments such as when insurance recruiters enter the basement. There were many problems such as being restricted.

In addition, referring to the Republic of Korea Patent Publication No. 2000-0023911 (Insurance method using a mobile phone) disclosed on May 6, 2000 in the prior art as follows.

1 is a block diagram of a device for insurance using a mobile telephone according to the related art, which provides data of insurance in a wireless communication between subscribers of a mobile telephone 2 through a mobile carrier 1; An insurance company recommends text transmission by connecting the database unit 13, the insurance company main computer 12 which inputs and outputs the data from the database unit 13 to the private line L1, and the mobile carrier 91, also via the private line L3. Built-in a program for the subscriber of the mobile telephone (2) and for the insurance company's main computer 12 to apply for insurance through the leased line (L2) of the insurance company's main computer 12 or the Internet network (3). It consists of one server 11.

In the insurance method using the mobile phone configured as described above, a menu for insurance product guidance should be set in the mobile phone 2 of the mobile subscriber. When the subscriber of the mobile phone wants to purchase travel insurance through the mobile phone (2), if he presses the set insurance insurance phone number, he is connected to the server of the mobile carrier (1), and receives the data from the server (11) to receive the insurance service. The text message to guide is displayed on the mobile telephone 2. FIG. The user of the mobile phone 2 enters the corresponding information according to the guidance of the text message to subscribe to the insurance desired by the user.

However, such a conventional technology uses only the Internet dedicated line (TCP / IP) for communication between the server and the insurance company, and the actual data transmission is a method of providing only a text service through a Short Messaging Service (SMS) server. The text service does not immediately proceed with the user's selection, but queues, that is, accumulates and processes information in a predetermined buffer, so that the user's request is not immediately reflected. Among the required fields such as social security number, address, and phone number, the social security number must be entered directly, and the rest are not considered. In addition, the premium payment is not considered at all, there is a problem in that the time is delayed until the insurance contract is effective by actually paying the premium. In addition, it was determined that a few days after the current time in case of joining the travel insurance, it was inconvenient to pay the insurance fee by calculating during the travel period.

The present invention is to solve the above-mentioned problems of the prior art, the purpose of the insurance subscribers who want to insure using the Internet-enabled mobile communication terminal connected to the web server of the insurance company, the insurance subscription screen directly Insurance method and device through internet-enabled mobile terminal that allows subscribers to directly select the insurance they want while checking out, and pay insurance premiums immediately using a payment system such as a credit card. It provides.

Another object of the present invention is to provide an insurance management method through the Internet-enabled mobile communication terminal for the insurance subscriber to check and change the insurance contents subscribed to them using the Internet-enabled mobile communication terminal, and also to change their personal information. In providing.

1 is a schematic configuration diagram of an insurance subscription device using a mobile communication device according to the prior art,

2 is a connection configuration diagram of an insurance subscription / management device of the Internet-enabled mobile communication device according to an embodiment of the present invention,

3 is a flow chart of the insurance subscription / management process of the Internet-enabled mobile communication device according to an embodiment of the present invention,

FIG. 4A illustrates an embodiment of a screen displayed on a mobile communication terminal in FIG. 3.

4B is a diagram illustrating an embodiment of a screen connected to FIG. 4A.

<Description of Symbols for Major Parts of Drawings>

102, 104: mobile communication terminal

202, 204, 206, 208, 210: carrier server

203, 205, 207, 209, 211: network hierarchy

300: insurance company 302: insurance company web server

304: Customer history database

312: insurance company main server 314: main database

400: card approval server

According to the present invention, a method of subscribing to insurance through an internet-capable mobile communication terminal according to the present invention indicates that the type of service of the insurance company is displayed when the insurer connects to the insurance company through the Internet access service of the mobile communication terminal. Displaying a main screen on a display window of the mobile communication terminal; displaying a type of insurance available for insurance if the insured selects insurance on the main screen; If you choose to display the relevant information and various options of the insurance, and to display the premium and coverage according to the specifications selected by the user, and after checking the premium and the subscriber decides to join the insurance, Displaying the terms and conditions of use, and If you wish to pay the fee through a mobile terminal characterized by yirueojim an insurance contract results in displaying on the display of the mobile communication terminal.

The insurance management method of the Internet-enabled mobile communication terminal to achieve another object of the present invention is the main screen displaying the service type of the insurance company when the insured is connected to the insurance company through the Internet access service of the mobile communication terminal; Displaying on the display window of the mobile communication terminal, selecting a corresponding menu when the insured person confirms / changes the contracted insurance on the main screen, and the customer's information when the insurance subscriber wants to change the related information in the contract. Displaying the contents of the contract contracted by the customer on the display window after checking the contents, and if the contents of the contract are checked and changed, updating the contents in a database when the contents are changed, and updating the updated results. Characterized by the step of displaying to the subscriber.

In order to achieve the another object of the present invention, the insurance / management device of the Internet-enabled mobile communication terminal is each of the mobile communication terminal 102, 104 with a built-in different Internet Web browser, and the Internet of the mobile communication terminal Each service provider server 202 to 210 that connects a wireless Internet service using a protocol corresponding to a browser in response to a service connection request, and the service provider server when the predetermined mobile communication terminal requires internet access to an insurance company. Insurance company web server 302 which converts insurance-related information of the insurance company into web-based data and transmits it to be displayed on a display window of a mobile communication terminal through the carrier server, and insurance-related information to the insurance company web server. An insurance company main server 312 for providing and updating various types of information according to a user's request; Search your credit card number by the insured entered through the server, characterized by consisting of card authorization server 400 to authorize payment of the premium on that credit card.

The present invention made as described above will be described in detail with reference to the accompanying drawings.

2 is a block diagram of the insurance / management device of the Internet-enabled mobile communication terminal according to the present invention, each Internet phone with a different Internet Web browser (WAP: Wireless Application Protocol) (ME: Microsoft Browser), Mobile communication terminals 102 and 104, such as " IMT 2000, " and each communication company that connects wireless Internet services with a protocol corresponding to a browser in accordance with the Internet service connection request of the mobile communication terminals 102 and 104. If the server 202 to 210 and the predetermined mobile communication terminal 102 or 104 request Internet connection to the insurance company 300, the insurance related information of the insurance company through the carrier server 202 to 210. An insurance company web server 302 for converting the data into web-based data and displaying the same on a display window of the mobile communication terminals 102 and 104 through the carrier server 202-210, and the insurance company web server 302. Insurance officer to The insurance company main server 312 and the insurance company main server 312 which provide related information and update various information such as insurance subscription information, insurance contractor's contract contents, insurance contractor's personal information, etc. according to a user's request. It consists of a card approval server 400 for retrieving the credit card number entered by the insurance subscriber through the credit card to approve payment for insurance premiums.

Referring to the operation of the present invention configured as described above with reference to Figures 2 to 4b in more detail as follows.

First, as shown in FIG. 3, when the mobile subscriber subscribes to the insurance using the mobile communication terminal 102 (104) such as an Internet phone or an "IMT2000" video telephone, the Internet function is applied. Drive it.

Here, the mobile communication terminal in which the Internet service function is implemented currently uses two different web browsers. That is, there are "WAP" and "ME". Each of the mobile communication terminals 102 and 104, which are embedded with each web browser, transmits data according to different communication methods. That is, each mobile communication terminal 102 (104) and the web server (202 to 210) of the carrier transmits the information through the network hierarchy (203 to 211) for the characteristics of the web browser. For example, if the current carrier identification number is "011, 017, 019", the "WAP" network hierarchy 203 (207) (built in the carrier server 202, 206, 210) ( 209 is composed of application layer (WAE), session layer (WSP), transaction layer (WTP), security layer (WTLS), mobile layer (WDP) and bearers (CDMA). On the other hand, if the current carrier identification number is "016, 018", each network hierarchy established in the carrier server 204 (208) is "HTML, HTTP, TLS-SSL, TCP / IP (UDP / IP) ". As such, the mobile communication terminals 102 and 104 and the corresponding service provider servers 202 to 210 perform internet communication in accordance with the network hierarchy (S102).

If the user of the mobile communication terminal 102 having the telephone number "011-XXX-XXXX" wants to access a company called 'Samsung Fire Insurance Co., Ltd.' When the Internet service function built in the mobile communication terminal is selected, the mobile communication terminal accesses the web server 202 of the service provider providing the mobile communication service through the base station and the mobile communication station (not shown). S101)

Next, the telecommunication company web server 202 is connected to the web server 302 of the 'Samsung Fire Insurance Co., Ltd.' (300) through a firewall. The insurance company web server 302 displays its own company initial screen 502 on the user's mobile communication terminal 102. (S102)

The user of the mobile communication terminal 102 who wants to subscribe to the insurance selects the confirmation key on the initial screen 502 of the insurance company and accesses the insurance company main screen 504. (S104)

The user selects a desired service on the menu screen 504.

If the user selects a call, the corresponding call screen 534 is displayed to allow the user to select a desired department (a representative phone, a compensation center, a customer center, etc.) to make a call. Then, the main server 312 searches the main database 314 to read the insurance information contracted by the user to the insurance company and display it on the mobile communication terminal 102 (S240).

If the user selects travel insurance among various insurance types, the travel insurance subscription screen 506 is displayed (S202).

If the user selects to join the travel insurance, the travel insurance screen 506 is displayed. Check the travel insurance subscription screen (506), select the travel period input, then check the travel departure time input screen (508) and the arrival time input screen (510) from the trip, respectively (S204) (S206) travel to contract insurance A period is input. (S204) (S206)

After inputting the travel departure / arrival time, the type of travel is selected through the display screen 512. (S208)

The main server 312 calculates premiums and contents of insurance based on the information selected by the user who wants to purchase insurance, and displays the result to the user (514).

When the user checks the displayed screen and decides to purchase insurance, other check items, for example, whether to drive a motorcycle during the travel period (516), the current state of health (518), and so on.

When the insurance contract is established, the insurance-related terms and conditions of subscription are displayed (520) and notified to the user. (S216)

When the user confirms the above-described process, a confirmation screen 528 indicating that the insurance subscription was successfully completed is displayed. However, if the insurance subscription fails due to the cancellation of the user or the user's input information error, etc., the insurance subscription failure screen is displayed (530), and the user starts or restarts from the beginning. do.

At this time, the main server 312 retrieves and updates data such as insurance subscriptions and other insurance and personal information of customers through the main database 314, and the retrieved data is "CPT" (CICS) in the insurance company web server 302. Data is transmitted through the Programming Toolkit technology. "CPT" is a technology for transmitting / receiving data between an "NT-based server" and an "IBM-based server" through a socket in a TCP / IP environment.

As such, when the insurance subscription is processed normally and the insurance subscription is completed, the insurance premium can be paid in the current state. Payment of insurance premiums can be made by credit card payment, prepayment by a telecommunications company, mobile billing solution or firm banking, etc. Here, the payment by credit card is described as an embodiment as follows.

The main server 312 first displays a payment confirmation to a credit card to a customer, and then requests credit card information input for payment, and a user inputs his or her credit card information according to the guide screen. To this end, first, the card number, the card expiration date and the password is input through the respective input screens 522, 524, and 526. (S224) (S234) The main server 312 enters the card user's corresponding information. Access to the card approval server 400 of the approval company requests the approval.

The card approval server 400 determines whether the insurance premium can be approved by the credit card according to the request of the insurance company main server 312 and transmits the insurance premium to the insurance company main server 312.

The insurance company main server 312 displays the approval result and the insurance contract result sent from the card approval server 400 to the user to complete the travel insurance insurance and payment of the user (S226).

Meanwhile, when the user selects a contract inquiry in step S104 of checking the menu screen 504, the corresponding insurance is displayed 532.

When the insurance to be changed is selected on the displayed screen 532, the insurance company web server 302 checks the customer's information through a social security number, etc., and then displays the corresponding insurance information.

The user checks the displayed insurance information and changes insurance related information such as a premium payment account number and a billing address issuance address. The changed information is updated in the main database 314 by the main server 312 and confirms the update result to the user again.

In addition, when the user wants to change his or her personal information, the customer information (telephone number, address, e-mail, etc.) registered in the main database 314 is read from the main server 312 as in the insurance contract inquiry and change. Display it to the user, and if the user wants to change the displayed information of the user, change it directly. The changed information updates the corresponding information in the main database through the main server 312, and confirms the updated information to the user.

As described above, according to the present invention, a method and apparatus for insurance / insurance / management of an internet-enabled mobile communication device are interlocked in real time with a host of a mobile communication terminal and an insurance company, and an operation logic and a payment logic are located at a host. By exchanging data required for insurance calculation in real time through "CPT", the person who wants to buy insurance can check the insurance screen and directly select the desired insurance. In addition, by paying premiums immediately using a payment system such as a credit card, you can not only receive insurance benefits at the same time as insurance subscription, but also directly select the desired contract period at the time the insured person wants without being constrained by time and space. You can freely join the desired product.

In addition, the insurance subscriber can directly check or change the insurance contents by using the mobile communication terminal, and can immediately change his personal information.

Claims (12)

If the insured person connects to the insurance company through an internet access service of the mobile communication terminal, displaying a main screen on which the service type of the insurance company is displayed on the display window of the mobile communication terminal (S101 to S104); If the insured selects insurance on the main screen, displaying the types of insurance that can be insured; If the subscriber checks the type of insurance and selects a desired insurance, displaying information related to the insurance and various options, and displaying insurance premiums and contents according to the specifications selected by the user; (S204 to S212) And after checking the premium, if a subscriber decides to join the insurance, displaying the terms and conditions of the insurance; (S216) and If the insured subscriber pays the premium through the mobile communication terminal, the insurance subscription method of the Internet-enabled mobile communication terminal, characterized in that the step (S224 ~ 226) is made to inform the insured subscriber. The method of claim 1, wherein the Internet access service is implemented using information based on the World Wide Web. The method of claim 1, wherein when the insured subscriber uses a mobile communication terminal to access the insurance company over the Internet, the mobile communication service provider providing the Internet service transmits the subscriber's personal information to the insurer. How to insure your mobile terminal with internet. The method of claim 1, wherein the insured person selects a travel departure time when he / she selects travel insurance among insurance types (S204). Selecting a time to arrive from the trip; (S206) Selecting a type of trip (S208) and The insurance method of the Internet-enabled mobile communication terminal, characterized in that the step of selecting the current state of health. 2. The method of claim 1, wherein insurance premium payment of the insured subscriber comprises: entering the credit card information of the insured subscriber when selecting payment by credit card; Authorizing a credit card through an authentication solution on the credit card information inputted from an insurance company; And If the insurance premium approval to the credit card is completed, the insurance signing method of the insurance subscriber signing method comprising the step of displaying to the insurance subscriber, characterized in that the Internet-enabled mobile terminal. Displaying a main screen displaying a service type of the insurance company on a display window of the mobile communication terminal when the insured person connects to the insurance company through an internet access service of the mobile communication terminal; Selecting a menu when an insurance subscriber checks / changes a contracted insurance on the main screen; If the subscriber wants to change the related information in the contract, checking the information of the customer and displaying the contents of the insurance contracted by the customer on the display window; Checking and changing the contract contents of the insurance and updating the changes in the database if the contents are changed; And The insurance management method of the Internet enabled mobile terminal characterized in that it comprises the step of displaying the updated result to the insurance subscriber. 7. The method of claim 6, wherein the personal information of the policyholder is changed through the same steps when the personal information of the policyholder is changed on the main screen. Respective mobile communication terminals 102 and 104 having different Internet web browsers therein; Respective service provider servers 202 to 210 for connecting a wireless Internet service according to a protocol corresponding to a browser in response to an internet service connection request of the mobile communication terminal; When the predetermined mobile communication terminal requires internet access to an insurance company, the insurance related information of the insurance company is converted into web-based data through the service provider server and displayed on the display window of the mobile communication terminal through the service provider server. Insurance company web server 302 for transmitting; An insurance company main server 312 providing insurance related information to the insurance company web server and updating various types of information according to a user's request; And An internet-enabled mobile communication terminal comprising a card approval server 400 configured to search for a credit card number entered by an insurance subscriber through the insurance company main server and approve payment of insurance premiums with the corresponding credit card. Insurance / Management Device. [9] The apparatus of claim 8, wherein the insurance company web server transmits information through a protocol capable of communicating with each of the communication company web servers. The Internet-enabled mobile communication terminal of claim 9, further comprising a customer history storage unit 304, which stores a list and information of insured customers connected to an insurance company, in the insurance company web server. Insurance / Management Device. [9] The apparatus of claim 8, wherein the insurance company main server calculates a premium based on the insurance type and specification selected by the insured and transmits it to the insured. The main database of claim 11, wherein the main database provides information to the insured through the main server and updates the personal information, contract insurance information, credit card and payment information of the customer under the control of the main server. Insurance subscription / management device of the Internet-enabled mobile communication terminal, characterized in that it further comprises (314).