KR20020045844A - Method for planning an insurance to choose freely guarantee item and amount on the internet - Google Patents

Abstract

PURPOSE: A method for planning an insurance to choose freely guarantee item and amount on the internet is provided to design an insurance the most appropriate to the condition of a customer by making the structure of a main contract and a special contract flexible. CONSTITUTION: A customer inputs the personal information by connecting to a web site(S502). The input data are transmitted to a server system through the Internet(S504). The server system transmits a design page and calculated data to the customer(S508). The customer inputs desired insurance specifications and insurance money on the design page(S510). An insurance fee calculating program of the server system sums up the insurance money for the insurance specifications(S514) and checks the limits on respective specifications(S516). The insurance fee calculating program calculates a total insurance fee by integrating repeated sessions(S518) and transmits the insurance fee payment period and method to the browser of the customer(S520). The customer confirms and settles the specifications of an insurance(S532).

Description

Method for planning an insurance to choose freely guarantee item and amount on the internet}

The present invention relates to an insurance design method that allows customers to freely select, set, and subscribe to the desired guarantees and amounts of insurance on the web. More specifically, the desired guarantees are selected on the web without the customer contacting the salesperson. If you do not want to guarantee coverage, you can freely choose the amount of coverage you want, as well as the amount of coverage you choose independently. Guarantees and guarantees that allow the premium portion of undesired coverage to be diverted to the expansion of the coverage for the desired coverage, so that an optimal coverage design suitable for each individual customer can be performed in a single product centered on the desired coverage. Insurance design method with free choice of amount It is about.

In the case of insurance, which is currently being made on the website through the Internet, the main contract matters (Insurance 1, Guarantee 2, Guarantee 3…) and the Contracts (Species 1, 2, 3) are specified by the insurer. This is a form in which a customer subscribes to an account, and as the number of accounts increases, the detailed coverage also increases proportionally.

Therefore, customers should join the packaged main contract created by the insurer in a batch and one by one for the special contracts, so most guarantees are included in the main contract and the special contracts are marginal in the overall coverage. .

In the case of such an account, the customer wants guarantee 1 and guarantee 2 of the main contract, but could not exclude it without special need for guarantee 3, and in order to expand the guarantee amount for guarantee 1 and guarantee 2, The amount of insurance coverage must be extended, resulting in double coverage for unwanted coverage3 and, of course, premiums for unwanted coverage3.

In addition, since insurance products are in the form of independent products with separate risks such as illness or disaster, customers must purchase several insurances in order to receive even risk guarantee. For each product, the main contract and special contract As it is a way of presenting the amount and coverage of insurance amount in case of accident unilaterally and the customer accepts it, it was not possible to select the coverage and amount of insurance as the customer wants.

As described above, in the conventional method of calculating the premium by combining the main contract matter and the cost of the special contract selected by the customer, the products are separated by risk area, and the main contract matter is predetermined by the insurer for each product. However, the adjustment to this account is limited to the method of changing the number of accounts, so that the customer has no choice but to subscribe to various products in order to prepare for various risks. The only problem was that they could not receive selective coverage for the part they wanted.

Therefore, the present invention was devised to solve the above-mentioned problems, and the flexible design of the main contract and the special contract allows the customer to freely select the desired amount of guarantee amount in the event of an accident, so that the most appropriate guarantee design is possible. Its purpose is to make it possible.

In addition, it is possible to guarantee various risks by joining a single product, and in each risk, it is possible to freely select the desired guarantee amount according to the guarantees for the specific risks, so that the user can receive selective coverage for the desired part. There is another purpose.

In addition, the customer can divert the premium portion of the unwanted coverage with the same premium burden to increase the amount of coverage for the desired coverage, which is another purpose of allowing the client to make an optimal insurance plan for each client. .

In order to achieve the above object, the insurance design method of the present invention comprises the first step in which the customer enters a simple personal information to access the website, and then select the desired amount of coverage for each accident for the desired coverage;

And a second process of calculating an insurance premium paid by referring to the insurance details and selecting a premium payment method by inverting the input amount of the desired guarantee for each accident.

In addition, the first process is a first step of transmitting the personal information data entered by the customer;

A second step of calculating a risk level and a guaranteed limit based on the transmitted personal information data and transmitting the design screen and the calculated data;

A third step of transmitting the selected data by repeatedly inputting the guarantee items and the guarantee amount as desired by the customer through the transmitted design screen; It further comprises.

In addition, the third step is characterized in that the customer repeatedly inputs the desired guarantee amount for each incident by the number of guarantee sessions to independently determine the guarantee amount for the selected guarantee.

In addition, the second process is a fourth step of searching for and analyzing the guarantee data and the amount of the guarantee data entered by the customer to sum the amount of guarantee for each guarantee and to check the subscription limit for each guarantee;

The total insurance premium is calculated by inverting the payment insurance amount by combining the repeated insurance sessions, and the insurance premium is sent to the customer's browser along with the insurance coverage entered, the insurance premium payment period, and the insurance premium payment method. Step 5;

Step 6 in which the customer checks the transmitted data and enters the insurance period, premium payment period and premium payment method:

A seventh step of calculating and transmitting the final premium based on the entered insurance subscription period, premium payment period and premium payment method; It further comprises.

1 is a flowchart of the overall processing of the insurance system according to the present invention

2 is an overall configuration diagram of the insurance system according to the present invention

3 is a detailed processing flowchart of FIG.

Explanation of symbols on the main parts of the drawings

10: terminal device

11 input unit

12: interface unit

13: operating system

14 connection

20: Internet Protocol

21: browser

22: output unit

30: server device

31: connection

32: interface unit

33: operating system

34: Internet Protocol

40: web server unit

41: premium calculation program

42: Web Database

When described in detail with reference to the accompanying drawings, the specific configuration and operation according to the configuration of the present invention.

1 is an overall process flow chart of an insurance system according to the present invention, FIG. 2 is an overall configuration diagram of an insurance system according to the present invention, and FIG. 3 is a detailed process flow chart of FIG.

1, the customer accesses the website through the Internet, enters brief personal information, selects a desired guarantee, freely inputs a desired guarantee amount for each accident, and selects the desired guarantee. By inverting the desired guarantee amount, the insurance premium is calculated by referring to the confirmation of the insurance details and the selection of the premium payment method.

Referring to Fig. 2, the overall configuration of the present system will be described. This system is composed of a terminal device 10 which is a means for a customer to access an insurance system through the Internet, and a server device 30 which is insured.

The terminal device 10 is connected with an input unit 11 and an interface 12 for outputting the input contents to the corresponding device, and the input unit 11 is provided with a keyboard and mouse, not shown, to input various data. do.

In addition, the terminal device 10 constitutes an operating system 13 connected to the output terminal of the interface 12 and the Internet protocol unit 20 operating thereby.

The operating system 13 causes each device to operate so that the corresponding device processes the content input through the interface unit 12.

The terminal device 10 is provided with a browser 21 which is operated by the operating system 13 and which can be connected to the Internet by the Internet protocol unit 20.

The browser 21 is a tool for searching for a hypermedia document and searches all documents on the Internet and displays the contents of the document on a screen for the customer to see.

In addition, the terminal device 10 includes a connection unit 14 connected between the interface unit 12 and the Internet and an output unit 22 connected to the interface unit 12.

The connection unit 14 is provided with a modem and network adapter, not shown, to be connected to the Internet network.

The output unit 22 includes various devices such as a monitor to display the contents searched by the browser 21.

Meanwhile, the server device 30 is configured and operates like the connection unit 14, the interface 12, the operating system 13, and the internet protocol unit 20 of the terminal device 10 described above.

That is, the server device 30 includes a connection portion 31 connected to the Internet and an interface 32 for outputting the input contents to the corresponding device. In addition, the server device 30 includes an operating system 33 and an internet protocol unit 34 for operating each device to process the contents input through the interface unit 32.

The server device 30 is operated by the operating system 33 and includes a W server unit 40 operated on the Internet protocol unit 34.

The web server unit 40 transmits the calculated data. The server device 30 is connected with a premium calculation program portion 41 between the web server portion 40 and the web database portion 42.

The premium calculation program unit 41 operates by the operating system 33 and operates while exchanging data with the web server unit 40.

The premium calculation program unit 41 provides an insurance design function based on functions such as ASP.

In addition, the server device 30 is provided with a web database unit 42 for referring to data required for insurance calculation or storing input data.

Next, the insurance design and subscription method according to the present invention configured as described above will be described in detail with reference to FIG.

FIG. 3 is a flowchart showing an operation flow centering on the premium calculation program unit 41 and the web database unit 42 most relevant to the present invention among the devices shown in FIG.

The customer accesses the website, enters a job, driving status, date of birth, gender, etc. (S502), and transmits the input data to the server device 30 through the Internet network (S504).

The server device 30 calculates the risk level and the insurance limit of the customer based on the personal information transmitted by driving the insurance premium calculation program 41 (S506). Data is transmitted (S508).

The customer inputs the desired guarantees and the amount of guarantee for each accident through the transmitted design screen (S510), and transmits the selected input data (S512).

The premium calculation program 41 of the server device 30 searches for and analyzes the data input by the customer, and requests the web database unit 40 for necessary data, and the web database unit 40 retrieves the requested data again and analyzes it. The total amount of guarantees for each of the guarantees is added (S514), and the subscription limit for each guarantee is checked (S516). This step is repeated as many as the number of guaranteed sessions. The premium calculation program unit 41 calculates the total premium by integrating the repeated sessions in the payment insurance amount inversion method (518), and the premium calculation program unit 41 includes the insurance coverage period and the premium payment period together with the entered insurance matters. And with the query for the premium payment method is sent to the customer's browser 21 (S520).

The customer checks the data transmitted through the browser 21 and inputs the insurance subscription period, premium payment period and premium payment method (522) and transmits it (S523).

The premium calculation program unit 41 of the server device 30 calculates the final premium based on the entered insurance subscription period, premium payment period and premium payment method (524), and outputs the final design to the web server unit 40. (526). The web server unit 40 stores the design details including the inputted final premium (528) and transmits the final design details to the browser 21 (530).

The customer finally confirms the insurance design matter through the browser 21 and at the same time readjusts the final insurance design matter (532).

As described above, since the present invention calculates insurance premiums based only on the insurance selected by the customer, the customer can freely select the size of the desired insurance amount in the event of an accident, thereby enabling the most appropriate guarantee design.

In addition, it is possible to guarantee a variety of risks through a single product subscription, you can freely select the desired amount of guarantee for each risk guarantee for each risk, you can receive selective coverage for the part you want.

In addition, the customer can deduct the premium portion for the unwanted coverage at the same premium burden to increase the amount of coverage for the desired coverage, so that it is effective to make an optimal insurance design suitable for each individual client.

Claims (4)

In how to buy insurance on the web, A first step in which a customer accesses a website and inputs brief personal information and then selects and inputs a desired guarantee amount for each accident for a desired guarantee; A second process of calculating the premium paid by referring to the details of the insurance coverage and the selection of the premium payment method by inverting the inputted desired amount of insurance for each accident; Way The method of claim 1, The first process includes a first step of transmitting the personal information data input by the customer; A second step of calculating a risk level and a guaranteed limit based on the transmitted personal information data and transmitting the design screen and the calculated data; A third step of transmitting the selected data by repeatedly inputting the guarantee items and the guarantee amount as desired by the customer through the transmitted design screen; Insurance design method, characterized in that made, including a guarantee and the amount of coverage free. The method of claim 2, wherein the third step is to select the guarantee amount and the guarantee amount independently, wherein the customer repeatedly inputs the desired guarantee amount for each incident by the number of guarantee sessions to independently determine the guarantee amount for the selected guarantee. This free insurance method. The method of claim 1, The second process is a fourth step of searching for and analyzing the data of the guarantees and the amount of guarantee data input by the customer to sum the amount of guarantees for each guarantee and check the subscription limit for each guarantee; The total insurance premium is calculated by inverting the payment insurance amount by combining the repeated insurance sessions, and the insurance premium is sent to the customer's browser along with the insurance coverage entered, the insurance premium payment period, and the insurance premium payment method. Step 5; Step 6 in which the customer checks the transmitted data and enters the insurance period, premium payment period and premium payment method: A seventh step of calculating and transmitting the final premium based on the entered insurance subscription period, premium payment period and premium payment method; Insurance design method freely selectable coverage and the amount of coverage, characterized in that made, including