KR20020044449A - A sale method of an insurance using vending machine on the computer network - Google Patents

Abstract

PURPOSE: A method for selling an insurance product on a communications net using a vending machine is provided to improve the convenience of purchasing and selling of the insurance product and to facilitate the collection of an insurance bill. CONSTITUTION: The method for selling an insurance product on a communications net using a vending machine comprises: a system construction step(S10) for connecting a communication device to a service system, connecting the service system with an insurance agent, and collecting/saving information about the insurance agent, a consumer, and various insurances; a vending machine installation step(S20) for selecting a specific place capable of increasing the purchasing power of the insurance and installing the vending machine formed with an output device for providing an insurance products; an advertising step(S30); and a selling step(S40) for providing the insurance product according to the receipt of money.

Description

How to sell insurance products through communication using a vending machine {A SALE METHOD OF AN INSURANCE USING VENDING MACHINE ON THE COMPUTER NETWORK}

The present invention relates to a method of selling insurance products, and more particularly, to a method of selling insurance products on a communication using a vending machine for selling insurance products using a vending machine connected to a communication network.

In general, an insurance product purchases the insurance product by a supplier who directly sells the insurance product, visits a consumer who wants to purchase the insurance product, informs them of the characteristics of the insurance product, the consumer's information, and the price of the product. The consumer who wants to confirm the insurance product, provides information such as personal information of the consumer, and pays a premium for the insurance product, thereby making it possible to purchase the insurance product.

In addition, the sale of the insurance product through communication such as the Internet posts the insurance product on a communication network such as the Internet, and the consumer who views the information on the insurance product applies for the insurance product and information such as consumer personal information. It is also known that the insurance company that posted the insurance product on the Internet in accordance with this consumer information visits the consumer, such as insurance card for the insurance product, and the method of recovering the premium of the insurance product is also known It is.

According to the prior art, in selling an insurance product, the consumer who wants to purchase the insurance product should be visited directly to provide information on the insurance product, and the consumer's information on the subscription of the insurance product must be acquired. There was a problem in that additional manpower was consumed in accordance with the visit to and provision of information on insurance products.

In accordance with the prior art, the insurance product is posted on a communication network such as the Internet, and in selling the insurance product according to the posted information, the consumer is provided with information on the insurance product through the Internet, and after confirming the intention to join. Since a vendor who wants to sell the insurance product must visit a consumer and deliver a document such as an insurance card, there is a problem in that an additional manpower is consumed.

In addition, according to the prior art, when selling the insurance product through door-to-door sales or posting on the Internet, it is difficult to purchase the insurance product when the encounter with the visitor is not made, and the insurance product information posted on the Internet is If the consumer is not equipped with a place that cannot be received or a medium such as a computer capable of receiving the insurance product information, the selling of the insurance product is not possible, and thus the selling method of the insurance product is reduced. .

According to the prior art, in the case of providing and selling insurance product information through a communication network such as the Internet, a consumer who purchases the insurance product such as an insurance document describing the actual insurance contents after providing the insurance product information. Because it must be delivered directly to, there was a problem that additional labor is consumed.

An object of the present invention has been invented to solve the above problems, insurance products in communication using a vending machine that can abolish a separate labor for providing information such as information and insurance documents of insurance products To provide a sales method.

Another object of the present invention is to sell insurance products on a communication system using a vending machine, which enables the output of a special insurance certificate prescribed by an insurance company, thereby eliminating additional labor such as visit and delivery for providing the insurance certificate. In providing a method.

Another object of the present invention is to purchase insurance products from a vending machine through a local communication device provided by a consumer, as well as to receive the subscription and payment for insurance products provided by the vending machine through the local communication device. An object of the present invention is to provide an insurance product selling method in a communication system using an automatic vending machine to further improve convenience of product selling and purchasing.

Still another object of the present invention is to communicate with an automatic vending machine to improve the sales efficiency of insurance products by allowing the consumer to sell the insurance product at a place where a desire to purchase an insurance product such as a risk of life occurs. It provides a method of selling insurance products on the market.

Another object of the present invention is to sell insurance products in a space in which a large number of consumers live, such as when they are moving or waiting, so that insurance on communication using a vending machine to improve sales efficiency of insurance products. To provide a method of selling a product.

Still another object of the present invention is to purchase information and insurance premiums, as well as to obtain the information of the insurance product without the user having a medium capable of receiving information on the insurance product transmitted on the communication. The present invention provides a method of selling insurance products over a communication system using an automatic vending machine that facilitates the sale of insurance products and the collection of insurance premiums.

It is another object of the present invention to provide a method of selling insurance products on a communication system using a vending machine that can add advertising effects as well as selling insurance products and promoting the insurance products and advertising other products. have.

Still another object of the present invention is to sell and promote an insurance product, as well as to sell information through a local area network, and to sell insurance products on a communication system using a vending machine that can add information and mediation effects. In providing.

1 is a block diagram of a insurance product selling method in communication using a vending machine according to the present invention;

Figure 2 is a schematic diagram showing a system of the insurance product selling method in communication using a vending machine according to the present invention,

3 and 4 is a block diagram of a method of selling insurance products on communication using a vending machine according to an embodiment of the present invention.

<Description of Symbols for Major Parts of Drawings>

10-Service System 20-Database

30-Vending Machine 40-Insurance Certificate

50-Handheld Information Terminal 60-Insurance Companies

70-Network 80-Local Area Network

The present invention for achieving the technical problem to be achieved by the present invention comprises a service system connected to the insurance company, a communication means for receiving information transmitted from the service system and an output means for outputting the received information. It is characterized by including a vending machine.

Another feature of the invention is characterized in that the vending machine includes a portable information terminal provided by the consumer and a short-range communication means capable of transmitting and receiving information.

Another feature of the present invention is characterized in that through the portable information terminal provided by the consumer to enable the transmission and reception of consumer authentication and consumer information and payment information required by the vending machine.

Another feature of the present invention is characterized in that the vending machine is provided with communication means capable of transmitting information generated by the vending machine to a service system and a client system.

Another feature of the invention is characterized in that for receiving the information transmitted from the client system and outputting the information through the output means of the vending machine.

Another feature of the invention is characterized in that the document format defined by the insurance company is included in the output means of the vending machine.

Another feature of the invention is characterized in that it comprises a communication means for mediating the information transmitted from the client system and the service system to the client system and the service system.

Another aspect of the present invention, the insurance product information provided by the insurance company from the service system to the vending machine, the insurance product information is displayed on the vending machine, the consumer who has viewed the information displayed on the vending machine the vending machine Sending the purchase intention of the insurance product through the input means of, and the service system receiving the purchase intention of the insurance product outputs the authentication document for the insurance product through the output means of the vending machine to provide to the consumer. It is characterized by.

Another feature of the invention is characterized in that the service system controls the vending machine while transmitting and receiving information via the communication means.

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

Figure 1 shows a method of selling insurance products on communication using a vending machine according to the present invention, Figure 2 shows a system of a method of selling insurance products on communication using a vending machine according to the present invention, Figure 3 and Figure 4 shows an insurance product selling method in communication using a vending machine according to an embodiment of the present invention, the present invention is a system construction step (S10), vending machine installation step (S20), and a promotional step (S30) And, the sales step (S40), and comprises a service end step (S50).

The system building step S10 includes a communication means building process S11, an insurance company connection process S12, and a database building process S13.

The communication means building process (S11) is a general communication means capable of transmitting and receiving information, such as connecting to the Internet through the Internet communication means to connect the service system 10 to a computer communication network 70 such as the Internet service Connect with system 10.

The insurance company connection process (S12) is connected to the service system 10 and the insurance company 60 through a dedicated line or an internet network to transmit and receive information.

Here, the service system 10 and the insurance company 60 is preferably connected to the insurance company 60 through a universal communication network such as a dedicated line that forms the end of the information at both ends for information leakage and stable transmission and reception of information. Do.

In addition, the service system 10 and the insurance company 60, such as operating the service system 10 or the insurance company 60 in the service system 10 is configured as the same company Of course it can be.

The database construction process (S13) is a communication means connected to the service system 10 to the database 20 linked to the service system 10, each insurance company 60, the service system 10 and the connection Collecting information such as the vending machine 30 and the consumer using the service system 10, and configured to enable a partial or total sorting of the collected information, insurance information and advertisement to provide to the consumer Information such as information is collected and stored by the insurance company 60 and the advertiser.

The vending machine installation step (S20) includes an installation site selection process (S21), a communication connection process (S22), and an output medium insertion process (S23).

The installation site selection process (S21) is a vending machine (30) that can sell insurance products, amusement parks, airports, harbors, passenger terminals arranged to board the ship, and accusations of purchasing power of the insurance products, and sue Select places where consumers such as roadside rest areas can directly feel danger to the body, moving roads between subway lines, large stores, and densely populated areas that can facilitate the promotion of the insurance products. In addition to the input / storage in the database 20, general information of a consumer using the selected place is collected / stored in the database 20.

The communication connection process (S22) is to install the vending machine 30 in the selected place, and through the communication means to connect the installed vending machine 30 to the communication network 70 to which the service system 10 is connected. Connect.

Here, an Internet communication means capable of connecting to the Internet network is installed in the vending machine 30 so as to be connected to a dedicated line for connecting to the service system 10, the Internet network, and a wireless communication network. It is a matter of course that the local area communication means is provided to enable information communication with the portable computer or the portable information terminal (50).

The output medium insertion process (S23) is a storage medium such as a monitor for providing the output information output through the output means of the vending machine 30 to the consumer, the output paper of the printer, the receipt of insurance premium payment, etc. It is inserted into each output means of the vending machine 30.

Here, the output paper includes an insurance certificate 40 having a shape and a paper form defined by the insurance company 60, and stores the different insurance certificate 40 for each insurance company 60 in different output paper, The output paper stored in the different output paper trays is individually transported to a printing machine such as the printer according to the output paper information for each insurance company stored in the vending machine 30 and the database 20.

The promotion step (S30) comprises a step of promoting the product sold in the vending machine 30, the information transmission process (S31), information storage process (S32), information output process (S33) It is configured to include.

The information transmission process (S31) is collected / stored in the database 20, the advertisement information and information for providing information on insurance products, information products, and information storage using the media vending machine (30) The collected / stored information is transmitted to a storage medium or output means of the vending machine 30 through a communication means of the service system 10.

In addition, through the service system 10 connected to the vending machine 30 and the dedicated line, the database 20 and the output means and input means of the vending machine 30 can be configured to interoperate with each other. to be.

The information storage process (S32) includes the advertisement information and information for providing information including information such as the output order of each information defined in the service system 10, the output time, the output form through the output means, and the like. Store in the storage medium of the vending machine (30).

In addition, the prescribed information about the information output is prescribed and stored in the service system 10 and the database 20, and the stored information is controlled at the time of outputting the information of the vending machine 30 so as to control the vending machine 30. Of course, it is possible to provide information through).

The information output process (S33) is to display the monitor and the like provided with the advertisement information and information providing information in the vending machine 30 in accordance with the information output regulations prescribed by the vending machine 30 and the service system 10. It is displayed / implemented to the outside of the vending machine 30 through a device, an audio device such as a speaker, and output means such as a signboard and a stereoscopic image display device.

The selling step (S40) is to provide a product provided with a predetermined fee to the consumer in the vending machine 30, consumer information input process (S41), insurance company notification process (S42), and insurance claim process ( S43), and insurance evaporation process (S44).

The consumer information input process (S41) is a consumer watching the advertisement of the vending machine 30 or, if necessary, the consumer who wants to buy insurance to operate the vending machine 30 to provide information about the product to be insured and provided By inputting, the consumer inputs or selects information of a product to be provided through input means such as a keyboard and a touch screen provided in the vending machine 30, and the service system 10 for the purchase of the selected product. Fill in the items set in).

In addition, the personal information of the consumer is transmitted from the portable information terminal 50 of the consumer through the short-range communication means provided in the vending machine 30, and the insurance product is sold by the vending machine 30 according to the consumer information. Of course you can sell.

Here, the information transmitted from the portable information terminal 50 to the vending machine 30 is posted on the Internet by the service system 10 through a terminal such as a personal computer and an internet communication means installed in the terminal. After completing the consumer authentication by accessing a website, the consumer authentication program through the short-range communication means is received and stored in the portable information terminal 50 of the consumer by the service system 10 according to the authentication information. The consumer authentication information received by the information terminal (50) is transmitted to the vending machine (30) to achieve the holder authentication and the transmission of consumer information.

The consumer authentication program through the short-range communication means stored in the portable information terminal 50 is the personal information of the consumer required by the vending machine 30 in accordance with securing the communication distance between the vending machine 30 and the portable information terminal 50. Information about the item or the consumer identification code is transmitted to the vending machine 30 to derive the authentication of the consumer and the consumer's preferred product information.

Here, the consumer selects any one product among the products provided in the vending machine 30, and the consumer personal information, the health status, and the member authentication item set by the service system 10 to purchase the selected product. Information, such as a keyboard and a touch screen, a recognition device such as a voice recognition device and a fingerprint recognition device, and a diagnosis device such as a blood pressure monitor and a blood extractor. It is preferable.

The insurance company notification process (S42) is based on the consumer information input by the consumer, the member's authentication information of the consumer, information on the insurance product to be purchased by the consumer, brokerage fees for the insurance product and insurance company (60) The information on the insurance premium prescribed by the service system 10 and the insurance company 60 is transmitted to the insurance company 60 through a communication means such as a dedicated line connected between.

Here, the brokerage fee and insurance premium is preferably settled by unit periods, such as monthly, after completion of the confirmation by the insurance company 60 that provides the insurance product, and after being informed of the confirmed information.

The insurance claim process (S43) is a vending machine 30 to the user who requested the insurance product through the vending machine 30 charge information, such as insurance premiums for the insurance product according to the regulations of the database 20 and the insurance company (60) (30), and displays the transmitted information through an output means such as a monitor of the vending machine 30, and claims the premium of the insurance product.

In addition, the premium charged to the consumer through the output means of the vending machine 30 is selected by the consumer through the storage method selection means, etc. provided in the vending machine 30, and the selected information is provided to the service. The premium is transferred to the system 10 or through a payment means such as a cash dispenser or a card reader provided in the vending machine 30.

In addition, the consumer information is completed through the portable information terminal 50 provided by the consumer, the payment of the insurance premium may be made according to the bank information included in the consumer authentication information, and the portable information terminal ( Of course, the premium can be paid by using the payment program set in 50) and the payment system consisting of the vending machine 30 connected to the service system and the bank information network.

The insurance evaporation process (S44) is based on the insurance product information requested by the consumer, the insurance policy, the subscription part, the receipt and the insurance policy prescribed in the database 20 and the insurance company 60, the insurance certificate 40 Combines the consumer information with the consumer information and transmits the information on the insurance certificates 40 to the consumer to an output means such as a storage medium or a printer device of the vending machine 30, and the certificate for the insurance product requested by the consumer. Output them.

In addition, through the short-range communication means installed in the vending machine, the certificate for the insurance product may be transmitted to the portable information terminal 50 and the portable computer used by the consumer to complete the output of the insurance product. .

The service termination step (S50) comprises a consumer information cleanup process (S51), the advertising information cleanup process (S52), the offer information cleanup process (S53), and the output medium confirmation process (S54).

The consumer information cleaning process (S51) organizes the information on the user who purchased the insurance product, the user information including the insurance type of the consumer, the health status information of the user, and the user's service system 10 And storing information on the use status of the vending machine 30 in the database 20 and transmitting and organizing information related to the user and the product to a company providing the corresponding product selected by the consumer.

The advertisement information cleaning process (S52) stores the priority information of the advertisement information promoted through the vending machine 30, the advertisement posting period, the advertisement response information, etc. together with the advertisement information in the database 20. In addition, the information on the new advertisement information to be promoted through the vending machine 30 and the advertisement setting information are stored in the database 20, and the vending machine 30 is transmitted to the vending machine 30. Modify the advertisement information saved or printed in.

The offer information cleaning process (S53) is news information, such as news and stock information provided to the consumer through the vending machine 30, digital goods information, such as games, music, gift certificates, transportation boarding tickets, movie tickets, Product information such as the insurance product is stored in the database 20 together with purchase information, and correction / addition of each piece of information is performed.

The output medium confirmation process (S54) identifies the output medium consumed and the output medium consumed due to the product offering, and supplements or replaces it.

At this time, the confirmation of the output medium is confirmed by the output medium checking means set in the vending machine 30, and the consumption information of the output medium is supplemented by transmitting the consumption information of the output medium from the output medium checking means to the service system 10. It is desirable to require.

Next, a system for implementing an insurance product selling method in communication using a vending machine according to the present invention configured as described above will be described.

The present invention includes a service system 10, a database 20, a vending machine 30, an insurance company 60, a communication network 70, and a portable information terminal 50.

The service system 10 is a universal server system including a central processing unit equipped to process information, a storage medium provided to temporarily or permanently store the information, and communication means for communicating information with each device. And an information processing program, a driving program for driving the system, a communication program for posting information on a communication, and the like so as to interoperate with the database 20.

The database 20 collects information on products to be sold, consumer information, insurance company 60 information, and information about the vending machine 30, and organizes the information to be outputted and sorted in part or in whole. It is configured as a program, connected to the service system 10 is configured to connect.

Here, the database 20 may be configured to interoperate with the control of the service system 10 while being stored in a storage medium of the service system 10 and, of course, to interoperate with the service system 10. Of course, it can be configured as a separate data server connected by a communication means.

In addition, the database 20 may be configured to connect or share information with the sales company's database 20 of the product sold by the vending machine 30 through the communication means.

The vending machine 30 is connected to the box-shaped case forming an external appearance while separating a plurality of parts from the outside, interworking with the service system 10 and the database 20, and is capable of information communication with the consumer. Communication means, display means or voice output information, input means configured to be operated by consumers and administrators using the vending machine 30, the service system 10 and the database 20 And a storage medium, such as a central processing unit (CPU) for processing information communicated with the computer, and a hard disk drive configured to temporarily or permanently store the information processed by the central processing unit.

Here, the case comprises the appearance of the vending machine 30, and includes a product sales company such as insurance company 60, and an external advertising medium such as a signage advertisement of the advertiser requesting an advertisement to the service system 10 do.

The communication means may include Internet communication means including a router, a modem, and a switch connected to the service system 10 and the database 20 to transmit and receive information, and short-range communication of a portable information terminal 50 used by a consumer. It includes a short-range communication means installed to enable information communication through the means.

The output means includes information generated by the vending machine 30, information stored in a storage medium provided in the vending machine 30, information transmitted by the service system 10 and the insurance company 60, and the like. And a display device such as a monitor for outputting information input or transmitted by the consumer using the vending machine 30, a printer for outputting the insurance certificate 40, etc., and a speaker for outputting advertisement information and the like by voice. .

In addition, the output means is the vending machine 30 and the insurance system 40 generated by the service system 10 to the vending machine to be transmitted to devices such as a portable information terminal 50 and a portable computer equipped with a consumer It comprises a short-range communication means provided in (30).

In the present embodiment, the short-range communication means uses a 2.4 GHz frequency band that does not require a wireless license, wireless information communication is possible at a speed of 1 Mbps within a distance of 10M, and there is no payment of royalties due to an open license. It is preferable to configure a device using a near field wireless communication protocol (BLUETOOTH) that is compatible with an existing infrared port communication protocol (IrDA; Infrared Data Association).

In addition, the printer comprises a special paper such as insurance certificate 40 and receipts prescribed by the insurance company (60).

The input means may be a manipulation device such as a keyboard and a touch screen configured to be operated by a consumer to retrieve information about the consumer and information required by the consumer, and the vending machine 30 in the portable information terminal 50 provided by the consumer. Local area communication means and apparatus configured to transmit consumer information through a local area network, a diagnostic device such as a blood pressure monitor and a blood extractor for inputting the health information of the consumer, and fingerprint recognition for recognizing and authenticating the fingerprint of the consumer And a recognition device such as a device and a card recognition device.

In addition, the vending machine 30 is configured to include a cash input device, such as a cash acceptor and a card reader that can accommodate a cash or the like for the merchandise to be sold.

The insurance company 60 is composed of an insurance company that requests the service system 10 to sell the insurance product and a financial institution that sells the insurance product.

The communication network 70 includes an Internet network, a wireless communication network or a local area network that connects the service system 10 and the vending machine 30 to transmit and receive mutual information. It comprises a universal communication network 70 to which the portable information terminal 50 or the like is connected.

The portable information terminal 50 is a mobile communication telephone or a personal digital assistant (PDA) installed with an infrared communication device capable of communicating information with a device according to a short range wireless communication protocol (BLUETOOTH) installed in the vending machine 30. and a display device such as a liquid crystal screen for outputting the information received by the vending machine 30 such as a digital assistant or a notebook computer, and an input device such as a keypad configured to control the received information.

Next, a preferred embodiment according to the present invention configured as described above will be described.

A service system 10 having a communication means and a database 20 interoperating with the service system 10 are configured to enable connection to a universal communication network 70 such as an internet network and a wireless communication network.

In addition, the information about the insurance product and the financial product of the insurance company 60 by connecting to the insurance company 60 to sell the insurance product through the service system 10 through the communication means of the service system 10 Collected and stored in the database 20.

Here, the insurance product is a one-day insurance or a time insurance during the travel time using the transport means that the traveler who wants to use the transport during the trip feels a danger and provides a guarantee only for one day or the time using the transport. It is desirable to formulate.

In this case, the insurance company 60 provides information on insurance products to be sold, insurance premiums of the insurance products, insurance certificates 40 and receipts provided to consumers who purchase the insurance products, and the service system 10. ) Is transmitted or delivered, and the service system 10 receives the information and data or stores it and stores it in the database 20.

In addition, the service system 10 includes a vending machine 30 capable of selling the insurance product, and installs the vending machine 30 in a place where the consumer's desire to purchase the insurance product is improved.

Here, the vending machine 30, as shown in Figure 4, a case, a central processing unit, a power supply, a communication card configured to connect to the Internet network, output means such as a sound card and a video card, a keyboard And a short distance communication means and an input device such as a consumer authenticator.

In addition, the place where the consumer's willingness to purchase the insurance product is improved is preferably selected as a waiting place such as a play facility, a highway rest area, and a terminal for boarding various transportation means. The selection is made with reference to the survey data in (10) and the data from external survey institutions.

The vending machine 30 is installed at the selected place, and the installed vending machine 30 is connected to the service system 10 through the communication network 70.

In this case, the communication network 70 uses an internet communication network 70 such as a wireless communication network or a dedicated line in consideration of the information communication efficiency between the vending machine 30 and the service system 10. In this embodiment, the service system 10 and the vending machine 30 is bi-directional information transmission is possible, the leakage of information is relatively small, and accordingly the external interference is reduced by using a dedicated line, such as easy to maintain security and the service system 10 and To connect the vending machine (30).

The vending machine 30 is installed at the selected place, and the insurance certificate 40 of the insurance company 60 that provides the insurance product as the output medium of the printer is installed in the completed vending machine 30 for each category of insurance. Insert it as

In addition, the digital goods information, such as games, music files and transportation boarding pass provided by the vending machine 30 is transmitted to equipment such as a portable information terminal of the consumer through the short-range communication means provided in the vending machine 30 It is desirable to provide.

The vending machine 30 completes the insertion of the output medium, and the advertisement information requested by the advertiser in the service system 10 and the advertisement information about the insurance product to be sold by the insurance company 60 through the vending machine 30. ) To a storage medium such as a hard disk drive.

In this case, the advertisement information is transmitted to the storage medium of the vending machine 30 together with the advertisement regulation information such as the advertisement time and advertisement priority defined by the service system 10, and the advertisement information transmitted to the storage medium is In addition to being recorded in the storage medium, through the output means such as the monitor and the speaker of the vending machine 30 is displayed to the outside in accordance with the provisions of the advertisement information.

In addition, the advertisement of the advertiser requesting the service system 10 and the advertisement may be posted through an external advertisement medium such as a signboard attached to the front or upper part of the case forming the external appearance of the vending machine 30.

Accordingly, a consumer who views the appearance of the vending machine 30 installed at the selected place and the advertisement or information displayed externally by the speaker and the monitor of the vending machine 30 moves to the vending machine 30 to receive the insurance. The purchase of goods.

At this time, the vending machine 30 that recognizes the consumer's access to the vending machine 30 through the proximity sensor installed in the vending machine 30 stops the advertisement information to be displayed and sells the insurance product. The product list is derived from the storage medium and displayed on the monitor.

Here, the proximity sensor or the like is abolished in the vending machine 30, and the user recognizes that the user operates the keyboard or the touch screen provided in the vending machine 30, and displays the advertisement information according to the recognition of the operation information. Of course, the user can display the product information that can be purchased by the user.

In addition, the advertisement information interrupted due to the operation or access of the consumer is temporarily stored in the storage medium of the vending machine 30 and continuously displayed after the operation of the consumer, as well as the advertisement information displayed before the operation of the consumer. Information about the display time and the number of times is transmitted to the service system 10 to calculate information according to the display of the advertisement information.

In the state in which the product information is displayed by the operation of the consumer, the consumer selects the insurance product by operating the displayed screen or keyboard, and the product information selected by the consumer is stored in the storage medium or service system of the vending machine 30 ( 10) is displayed on the monitor of the vending machine 30 to display the detailed information and the purchase screen for the product selected by the user.

In addition, the consumer who confirms the information on the product to be purchased confirms the purchase of the product by selecting a button for confirming the purchase of the product or inputting product purchase confirmation information.

At this time, the purchase confirmation information is derived from the purchase information of the corresponding product stored in the vending machine 30 and displayed on the monitor.

In addition, the user who views the purchase information displayed on the monitor executes the consumer authentication for purchasing the product.

Here, in the consumer certification, select the membership qualification check displayed on the monitor, and if the existing member, the existing member information is confirmed, and in the case of the new member, the consumer personal information required by the service system 10 or the insurance company 60 Enter the details and information related to the insurance product.

At this time, the information requested to the consumer may receive the health information of the consumer through the blood pressure monitor and blood extractor provided in the vending machine 30 according to the personal information of the consumer, as well as the characteristics of the insurance product. Of course.

In this embodiment, the consumer completes the consumer authentication on the website posted on the Internet network by the service system 10 through a terminal such as a personal computer equipped with the Internet communication means, and the authentication confirmation information and A consumer information transmission program or the like is installed in the portable information terminal 50 of the consumer, and the portable information terminal 50 is used to complete the consumer authentication and the transmission of the consumer information to the vending machine 30. Do.

Here, the consumer transmits information on personal information of the consumer and purchases of insurance products, etc. to the service system 10 through the website through the website posted by the service system 10, and the received consumer information. According to the service system 10 inputs the information on the registration and preference products for the consumer, etc. in the database 20, and the user identification code and password prescribed by the consumer and the service system 10 to define this In addition to completing notification of the consumer by notifying the consumer, the consumer information transmission program installed in the portable information terminal 50 used by the consumer and activated is transmitted to the terminal or the portable information terminal 50 of the consumer.

A consumer who receives the consumer information transmission program operates the portable information terminal 50 to install or retransmit the consumer information transmission program through the terminal.

Here, the consumer information transmission program may be configured to store consumer information, such as personal information about the consumer, and transmit it to the vending machine 30, as well as the consumer defined by the consumer and service system 10. It is configured to transmit information such as identification code and password and consumer information and preferences of the insurance product to the vending machine 30.

Therefore, the portable information terminal 50 is located in the local area network connection range of the vending machine 30 to recognize that information can be transmitted, or the consumer operates the vending machine 30 to purchase a insurance product. If selected, the authentication information for the consumer is requested from the vending machine 30 to the portable information terminal 50, or the authentication information for the consumer is requested through a display screen of the vending machine 30, and the like. In response to the request screen and the authentication request information received by the portable information terminal 50, the consumer operates the portable information terminal 50 to activate the consumer information transmission program installed in the portable information terminal 50. Sending consumer information such as identification code and password of the consumer set in the consumer information transmission program to the vending machine 30 to transmit the consumer authentication and related information. To complete.

The vending machine 30 that receives the consumer's information records the consumer information on a storage medium and transmits the consumer information to the service system 10 through a dedicated line.

The service system 10 that has received the consumer information stores the consumer information in the database 20, derives existing consumer information corresponding to the consumer information, and the insurance product previously purchased by the consumer, or a purchased product. Information is derived and the like is authenticated according to the information, and the authentication information is transmitted to the vending machine 30 operated by the consumer.

Here, when the consumer is a new member, the consumer authentication information defined between the consumer and the service system 10 is generated, the consumer authentication information is notified to the consumer, and the service system 10 and the vending machine. Tolerate the use of 30.

In addition, the user authentication information is transmitted to the insurance company 60 to compare and analyze the database 20 provided in the insurance company 60, and determine the product purchase performance or credit rating of the insurance company 60 for the consumer. And, the information about this is stored in the database 20 linked to the service system 10.

In addition, by sending the information of the product selected by the consumer to the insurance company 60 to check the change of the information, etc., after checking the information on the insurance product can be sent to the consumer whether the consumer authentication and insurance coverage available Of course.

After completing the consumer authentication of the consumer, the premium information for the insurance product selected by the consumer is derived from the storage medium or database 20 of the vending machine 30, and the derived premium information is derived from the vending machine 30. To the consumer through the monitor.

The consumer checks the information displayed on the monitor of the vending machine 30, and pays the premium for the product to be purchased through a cash machine or a card reader provided on the front of the vending machine 30.

Here, the premium is made to pay the price through the portable information terminal 50 equipped with a short-range communication means installed in the vending machine 30 by selecting the payment method recorded by the consumer in the vending machine 30. Of course.

In the payment of the price through the portable information terminal 50, the consumer recognizes the insurance premium for the insurance product displayed on the display device of the vending machine 30, and the recognized premium is embedded in the portable information terminal 50. As described in Korean Patent Application No. 10-2000-0054340 (Commerce Method and System Using Communication Network), which is previously filed by the applicant, through the Internet banking program, the premium is paid to the service system 10. It is preferable to pay the premium to the service system 10 by using an electronic mobile shopping cart system capable of payment of a product price using a service system and a wireless communication network.

The vending machine 30 confirming the payment of the premium of the consumer provides the insurance product requested by the consumer.

At this time, the customer is notified of the premium payment of the premium to the service system 10, and after confirming the fact of the premium payment of the consumer in the service system 10 controls the printer installed in the vending machine 30 to the consumer Not only can the insurance certificate 40 be provided to the vending machine 30, but also after checking the consumer's insurance premium payment fact, the consumer's input information and the product information previously stored in the storage medium requested by the consumer Insurance 40 and the receipt can be output through the printer and of course provided.

In addition, when the consumer who paid the insurance premium selects and inputs the insurance certificate 40 information to the vending machine 30 to receive the insurance certificate 40 information by means other than the printer output, the insurance certificate 40 information for the consumer is automatically received. The output of the insurance certificate 40 is completed by transmitting to the portable information terminal 50 or the portable computer of the consumer through the short-range communication means installed in the vending machine 30.

In addition, when the consumer who checks the insurance certificate 40 information received from the portable information terminal 50 and the portable computer of the consumer requests the storage and guarantee of the insurance certificate 40 information, the insurance certificate 40 information Is transmitted to the service system 10 through the communication means of the vending machine 30, or directly from the portable information terminal 50 to the service system 10 to transmit the insurance certificate 40 information of the consumer service system Of course, it can be stored in the (10) or the database 20.

The vending machine 30 that has completed the sale of the insurance product to the consumer displays the advertisement information again on the monitor, and temporarily stores the consumer personal information stored in the vending machine 30 and insurance sales. Information and the like are transmitted to the service system 10 and stored.

In addition, the insurance product purchase information of the consumer is notified to the insurance company (60), according to the information that the consumer can pay the bill per unit period of the insurance product through the vending machine (30) Of course.

In addition, after outputting the insurance policy 40 of the consumer, it checks the output medium of the insurance policy 40, etc. inserted into the vending machine 30, and transmits the confirmed information to the service system 10, Replenishment of output medium, etc. is required.

In addition, it is a matter of course that a certificate issuance service may be provided, including civil documents such as a resident registration copy provided by a government office other than the insurance certificate 40.

Next, another embodiment according to the present invention configured as described above will be described.

The vendor who intends to sell the information and insurance products through the vending machine 30 that connects the first information and the insurance product through the communication network 70 collects information on the information and the insurance product to provide the database 20 for interworking with the service system 10. And a short-range communication means capable of storing the information and transmitting the information to the portable information terminal 50 of the consumer.

Accordingly, the service system 10 stores digital goods information such as music files and game files in the database 20, and stores digital goods information and advertisement information thereof in the database 20. Digital product information and advertisement information stored in 20 are transmitted to the vending machine 30 through the communication network 70.

The vending machine 30 that receives the digital product information and the advertisement information transmitted from the service system 10 stores the digital product information and the advertisement information in a storage medium of the vending machine 30, and the advertisement for the product. Information is displayed through the output means of the vending machine 30 to be displayed to the consumer moving around the vending machine 30.

The consumer who views the advertisement information and the product information displayed on the vending machine 30 moves to the vending machine 30 to purchase a product corresponding to the contents that are viewed, and the keyboard and the touch screen of the vending machine 30, etc. To operate the input means.

By operating the consumer's vending machine 30, the vending machine 30 stops displaying the advertisement information and displays a screen requesting the user to select the music file, the game file, or the insurance product. .

When the consumer selects the music file from the product information displayed through the monitor or the like output means of the vending machine 30, the selection information of the music file is transmitted to the central processing unit installed in the vending machine 30, The central processing unit compares the selection information of the consumer with the information of the music file stored in the vending machine 30 to derive the music file information selected by the consumer.

At this time, the information about the music file is derived from the music file, the price information, the preference information such as the number of sales, and the like, and the information such as the music file and the price information is derived from the vending machine (30). Display to the consumer through the output means of.

The consumer who views the price information of the music file to be purchased through the monitor pays the price according to the price information through a payment device such as an ATM and a card reader provided in the vending machine 30.

The vending machine 30 confirming the payment of the consumer pays the music file selected by the consumer through the short-range communication means of the vending machine 30 to complete the sale of the music file.

In the present embodiment, the music file is a music file composed of MP3 (MP3) files, and the music file is stored in the storage medium of the vending machine 30 through the short-range communication means installed in the vending machine 30. It shall be transmitted to and provided to a consumer portable information terminal and a portable computer.

Here, the portable information terminal 50 is composed of a portable telephone and a PD having a program that can receive, store, set and utilize the signal transmitted through the wireless communication network and the information transmitted through the short-range communication.

Here, the vending machine 30 is controlled according to a control signal transmitted through a communication means connected with the service system 10, and the output of the vending machine 30 as well as the transmission and reception of the music information and the game information. The control of the advertisement information output through the means can be controlled according to the settings of the database 20, as well as the current status of each component and sale of the vending machine 30 and the vending machine 30 It is preferable that the information such as the current status of the set software is transmitted to the service system.

As such, the invention is not limited to the specific preferred embodiments described above, and any person of ordinary skill in the art without departing from the gist of the invention claimed in the claims may have various modifications. Of course, such changes are within the scope of the claims.

As described above, according to the present invention, the sales efficiency of the insurance product can be improved by installing a vending machine for selling the insurance product at a place where the consumer feels threatened and the motivation to purchase the insurance product is increased. It has an effect.

Another effect of the present invention is that the insurance policy for the sale of the insurance product, the insurance certificate and the receipt and the like of the receipt of the receipt can be easily output, there is an effect that the sale of the insurance product is easy.

Another effect of the present invention is that it is possible to subscribe, purchase and confirm insurance products using a portable information terminal and a local area network, thereby improving the ease of sales and subscription procedures for the insurance products.

Another effect of the present invention is that a consumer who uses a vehicle or the like during a trip purchases an insurance product within a short time, completes the journey, and releases the insurance product at the same time as the travel is completed so that the user can receive an appropriate guarantee with less time and cost. To improve the utility of consumers' insurance.

Another effect of the present invention is to promote the product to be sold at the same time to improve the promotional effect of the product, there is an effect of generating revenue through the advertising agency for other products.

Another effect of the present invention is to control and manage the vending machine through a service system collectively, thereby reducing the additional labor for maintenance and management of the vending machine.

Another effect of the present invention, there is an effect that can be generated by providing the additional information through the vending machine and the sale of the information.

Claims (6)

A communication means for transmitting and receiving information by connecting to a communication network is connected to a service system, and an insurance company providing a service system and an insurance product through the communication means, and a medium, an insurance company, a consumer and a vending machine connected to the communication means. A system building step of collecting / storing information on the service system; A vending machine for selecting a place where the purchasing power for the insurance product is inspired, installing a vending machine having a communication means connected to the service system, and installing an output means for providing the product to the vending machine; Installation step; And A sales step of receiving information of a consumer through the vending machine, charging a corresponding fee according to the information input by the consumer and information of a product selected by the consumer, and providing a product selected by the consumer according to the deposit of the fee; Insurance product sales method on a communication using a vending machine comprising a. The method of claim 1, The output means is a method for selling insurance products on a communication using a vending machine, characterized in that it comprises a short-range communication means to provide a product and insurance certificate through a short-range communication means of a portable information terminal provided by the consumer. The method of claim 1, And selling the vending machine at a boarding place of a vehicle for which the consumer feels a threat to the body. The method of claim 1, Output means installed in the vending machine selling insurance product on a communication using a vending machine, characterized in that it comprises an insurance certificate prescribed by the insurer. The method of claim 1, Method of selling insurance products on a communication using a vending machine, characterized in that through the output means of the vending machine can output the advertising information of the insurance company and the advertiser requesting the advertisement. The method of claim 1, Providing the insurance certificate of the vending machine includes storing the insurance certificate information in the service system at the request of the consumer, and notifying the consumer and the insurance company of the stored information. How to sell insurance products using telecommunications.