KR20020063549A - Paying system of car insurance bill by credit card and method - Google Patents

Abstract

PURPOSE: A system and a method for paying an insurance using a credit card are provided to enable a credit card company to increase the sale, to enable an insurance company to raise the product compatibility and to enable a subscriber to lessen the burden for the insurance. CONSTITUTION: A subscriber terminal(40) has a web browser and a communication tool accessing to the Internet. A service server(10) sends the credit card information and the car insurance information by connecting to the Internet. A credit card company server(20) issues the credit card if the subscriber applies to the credit card by sending the credit card information and pays the insurance by lending out to the subscriber. An insurance company server(30) calculates an insurance estimate by sending the insurance information to the service server. A member terminal(50) sends the point of the subscriber to the service server when the subscriber uses the credit card.

Description

Payment system and method of car insurance payment using credit card {Paying system of car insurance bill by credit card and method}

The present invention relates to an automobile insurance premium payment system and method using a card, and more particularly, an amount corresponding to a point obtained by using a card issued when the insurance premium expires after a certain period of payment is made by paying an automobile insurance premium from a card company. Except for the payment system and method for repaying the auto insurance premiums borrowed from the card company.

The insurance system is designed to pursue social welfare by distributing a large number of employees and distributing the heavy economic burden that an individual suffers at the time of an accident to all insureds.

In particular, among various insurances, since car insurance has a high accident rate, those who want to drive a car are almost in need of insurance.

When a car insurance subscriber pays a car insurance premium, he or she can pay by cash or credit card. Generally, it is preferred to pay a credit card that can be deducted at the end of the year and has a traumatic effect.

Also, if you pay your car premium using a credit card, you can pay your car insurance premiums in installment or lump sum payments.If you pay your car insurance premiums in installments, you will be charged with interest, so you should pay lump sum payments rather than installment payments. Done.

However, those who cannot afford to pay in one lump sum because they cannot afford financially are paying in installments even at the expense of interest, which makes it difficult for people with financial difficulties to pay more premiums. High situation.

An insurance agent or insurance company that is required to recruit insurance subscribers may exempt installment interest even though the company has been able to reduce profits in order to secure customers by considering the complaints of those who pay such auto insurance premiums. If the exemption from installment interest is exempted, it is difficult to exempt the installment interest because it is regarded as an unfair transaction act (special benefit provision: basis of Article 156, Paragraph 1, Article 4 of the Insurance Business Act).

On the other hand, the service that calculates the points corresponding to the amount used according to the user's purchase of goods or use of the service to refund or discount the user has a variety of types of services, but the refund amount is small and the points accumulated amount is not known to provide a substantial benefit to the user. I can't give it.

The present invention has been made in order to solve the above problems, the object of the present invention is to pay the car insurance premiums from the card company, except for the amount corresponding to the points obtained by using the card issued after a certain time has passed to the card company By repaying borrowed auto insurance premiums, card companies can increase sales by encouraging points, insurers can increase product competitiveness, and subscribers can provide auto insurance premium payment systems and methods that can reduce the burden of auto insurance premiums. It is.

In order to achieve the above object, the present invention provides a premium earned by using a card when a subscriber is issued a card from a card company and subscribes to auto insurance, receives a premium from the card company, and pays the premium and passes the insurance premium after a certain period of time. It is to provide a system and method for paying auto insurance premiums.

1 is a block diagram of an automobile insurance premium payment system according to the present invention.

2 is a schematic flowchart of a vehicle insurance premium payment method according to an embodiment of the present invention.

3 is a detailed circuit diagram of the card issuing step shown in FIG.

4 is a detailed circuit diagram of the point earning step shown in FIG.

FIG. 5 is a detailed circuit diagram of the auto insurance signing step shown in FIG.

6 is a detailed circuit diagram of the loan repayment step shown in FIG.

FIG. 7 is a detailed circuit diagram of the auto insurance signing step shown in FIG.

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

10: service server 12: subscriber DB

14: Car insurance information DB16: Point DB

18: card information DB20: card company server

30: insurance company server 40: subscriber terminal

50: merchant terminal 60: Internet network

Hereinafter, the configuration and operation of the embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram of an automobile insurance premium payment system according to the present invention.

A subscriber terminal 50 having a communication means for accessing a web browser and the Internet network 60, and connected to the Internet network 60 transmits the car insurance information including card information and insurance premiums of the subscriber terminal 50. A service server 10 for transmitting the card information to the service server 10 and a card company server 20 for issuing a card when a subscriber applies for a card and loaning and paying a car insurance premium to a subscriber on a premium payment date; An insurance company server 30 which transmits automobile insurance information to the service server 10 to calculate an automobile insurance premium estimate, and an affiliated store terminal 50 which transmits the points obtained by the subscriber using the card to the service server 10. Include.

Herein, the affiliated store means an affiliated store of a card company and a service server.

The service server 10 manages the vehicle insurance premium payment system according to the present invention and manages the subscriber DB 12, the car insurance information DB 14, the point DB 16, and the card information DB 18, The subscriber who wants to receive the premium payment service subscribes to the service server 10 through the subscriber terminal 40.

When the subscriber subscribes to the service server 10 through the subscriber terminal 40, the service server 10 lists personal information necessary for issuing a normal card, personal information necessary for automobile insurance, vehicle information, and insurance subscription information. The member registration window is displayed on the subscriber terminal 40 so that the subscriber terminal 40 can display personal information, vehicle information, and insurance subscription information necessary for the member registration window, and transmit it to the service server 10. The server 10 stores this in the subscriber DB 12.

The personal information includes the name, resident number, telephone number, address, company address, etc. The vehicle information includes the model, year, vehicle number, etc. The insurance information includes the type of insurance, driving year, Include license number, especially insurance expiration date.

In addition, the service server 10 stores and manages the card information received from the card company server 20 in the card information DB 18 and stores the car insurance information received from the insurance company server 30 in the car insurance information DB 14. Save it.

When the subscriber subscribes as a member, the service server 10 transmits the card information stored in the card information DB 18 to the subscriber terminal 40 so that the subscriber can be issued a desired card.

The subscriber station 40 selects a desired card and transmits it to the service server 10, and the service server 10 transmits subscriber information to the card company server 20 that issues the selected card.

The card company server 20 issues a card to the subscriber in consideration of credit.

In the case where there is only one card by the alliance with the card company, the service server 10 does not transmit the card information to the subscriber terminal 40, but instead transmits the subscriber information to the card company server 20 to which the card company is directly affiliated with the card company server. 20 issues the card to the subscriber in consideration of credit and the like.

The card is an IC card in which a microcomputer and an IC memory are embedded in a credit card or the like. In the IC memory, data about simple personal information and the like are inputted and stored, and a picture may be attached to the outer surface of the card.

In addition, the service server 10 calculates the car insurance premium based on the car insurance information stored in the car insurance information DB 14 and transmits the insurance type car insurance premium to the subscriber terminal 40 to select and subscribe to the desired insurance type. Make sure

On the other hand, merchants registered as a member on the service server 10 or a merchant affiliated with the card company server 20 as a member to purchase goods or services with the issued card to read the card to the merchant terminal 50 corresponding to the amount As many points are assigned and this point is transmitted to the service server 10.

The affiliated store terminal 50 has a reading means for reading the information of the card, and provides points according to the purchase of goods or use of services, and at this time, the points are determined according to a calculation standard predetermined by the card company or the service server.

The service server 10 stores the points in the existing points and stores them in the points DB 16 for each card, and integrates all the points for each card into one as necessary.

In addition, if there are many cards and different types of insurance, the cards and insurances can be matched 1: 1 so that the management of the cards and insurances can be increased while increasing the sales of the cards and insurances.

If the subscriber is already insured, when the insurance expiration date approaches, the service server 10 transmits the arrival of the insurance expiration date with the car insurance information to the subscriber terminal 40 through the Internet network 60 and the subscriber terminal 40 selects the desired car insurance and transmits it to the service server 10.

The card company server 20 provides the card information to the service server 10 and directly deposits the insurance premium of the selected auto insurance in the name of the subscriber when the insurance expiration date approaches.

The insurance company server 30 confirms the contract of the auto insurance premium deposited in the subscriber's name and notifies the subscriber terminal 10 of the contract. If there is no defect, the insurance company server 30 delivers the auto insurance policy, receipt or certificate concluded in the subscriber's name by mail. On the other hand, this fact is notified to the subscriber station 40 by e-mail or the like.

2 is a schematic flowchart of a vehicle insurance premium payment method according to an embodiment of the present invention.

First, a number of affiliates are registered as members in the card company, and the service server 10 makes necessary arrangements in cooperation with the card company server 20 and the insurance company server 30, and recruits separate merchants from the card company affiliated stores as members. .

As shown in the drawing, the subscriber terminal 40 accesses the service server 10 through the Internet network 60 to register as a member (S100), and receives a card through the card company server 20 (S200). And, first earning points earned by using the card issued from the service server 10 (S300), and select the desired car insurance and pay the insurance premiums of the selected car insurance from the card company to conclude the car insurance Step (S400), the second earning points earned using the issued card to the first earned points (S500), and the step of cashing the points from the loaned amount and paying the remaining loans (S600) It is composed.

In step S100, the subscriber accesses the service server 10 through the Internet network 60 using the subscriber terminal 10 to receive the service of the automobile insurance premium payment system according to the present invention.

The service server 10 displays a member registration window on the subscriber terminal 40 so that personal information necessary for issuing a normal card, personal information at the time of joining a car insurance, vehicle information, and insurance subscription information can be displayed, and the subscriber terminal ( 40 inputs personal information, vehicle information, and insurance subscription information necessary for this member registration window, and transmits it to the service server 10, and the service server 10 stores it in the subscriber DB 12.

Since the fact that the service server 10 is a member of the card issuance and the points issued using the issued card means to redeem the premiums borrowed by this point, so in the present invention, the card issuing doctor or insurance The subscriber is not asked to the subscriber through the subscriber terminal 40.

3 is a detailed circuit diagram of the card issuing step shown in FIG.

In step S200, the service server 10 determines whether there is one or more cards of the card company server 20 associated with the service server 10 (S210).

If one, the service server 10 transmits the information entered by the subscriber in the member registration step (S100), that is, the subscriber information to the card company server 20 (S220), the card company server 20 based on the subscriber information credit, etc. Evaluate to issue a card and transmit the card issuance fact to the subscriber station 40 (S230).

The issued card will be delivered to the subscriber by mail or personal transport.

If there is more than one card in step S210, the service server 10 transmits various card information stored in the card information DB 18 to the subscriber terminal 40 so that the subscriber can select and issue a card (S240).

One of the various types of cards displayed on the screen of the subscriber terminal 40 is selected and transmitted to the service server 10 (S250), and the service server 10 issues the card company server 20 for issuing the selected card. In step S220, the transmission is performed.

4 is a detailed circuit diagram of the point earning step shown in FIG.

In steps S300 and S500, when the subscriber purchases goods at the affiliated store or issues a payment using the card with the issued card, points are granted through the affiliated store terminal 50 and the result is transferred to the service server 10. Transmit (S310).

The affiliated store includes both a card company affiliated store and a service server affiliated store.

In the present invention, the card payment process of transmitting sales information between the merchant terminal 50 and the card company server 20, requesting approval, and accumulating points upon approval and storing them in a separate DB managed by the card company server 20. Is not a subject matter of the present invention, and thus description thereof is omitted here.

The service server 10 accumulates new points in the previously accumulated points and stores them in the point DB 16 (S320).

The point accumulation may be accumulated by integrating the points obtained through the other card company terminal 50.

FIG. 5 is a detailed circuit diagram of the auto insurance signing step shown in FIG.

In the step S400, the service server 10, when the insurance due date approaches, the arrival of the insurance due date and transmits the various car insurance information stored in the car insurance information DB 14 to the subscriber terminal 40 (S410).

The car insurance information includes the car insurance premium calculated by the service server 10 based on the insurance information provided by the insurance company server 50.

Subscriber terminal 40 selects the desired car insurance based on the provided insurance information, insurance premiums, and the like and transmits to the service server 10 (S420).

In this case, the subscriber station 40 may select the insurance that has been subscribed as it is and transmit it to the service server 10.

The service server 10 transmits the selected car insurance information and subscriber information to the card company server 20 and the insurance company server 30 handling the selected car insurance (S430).

The card company server 20 borrows a premium corresponding to the selected auto insurance in the name of the subscriber and directly pays it to the insurance company server 30 that handles the selected auto insurance in the name of the subscriber (S440).

The insurance company server 30 checks the automobile insurance premium deposited in the name of the subscriber in the card company server 20 and notifies the subscriber terminal 40 of the deposited amount and insurance security contents (S450).

The subscriber terminal 40 checks the reported amount and insurance coverage and determines whether there is a defect (S460).

If there is a defect, the subscriber immediately corrects through the insurance company server 30 (S470).

In other words, if the car insurance premium is incorrectly received and the collection is caused, the subscriber deposits the difference to the insurance company, and if the refund occurs, the customer receives the insurance directly.

After the service server 10 has no defect in step S460 or the defect is corrected through step S470, the service server 10 sends the subscriber a car insurance policy and a receipt or a certificate that can support the contract, and the contract facts. Notify the terminal 40 (S480).

6 is a detailed circuit diagram of the loan repayment step shown in FIG.

In step S600, the service server 10 transmits the accumulated points accumulated in the month to the subscriber terminal 40 and the card company server 20 in the month in which the auto insurance contracted by the subscriber expires (S610).

The card company server 20 transmits the bill to the subscriber terminal 40 by deducting it from the loan that was previously loaned to pay the car insurance premium by returning the points to cash (S620).

The method of deducting cumulative points from loans is the first cumulative point, so that only the interest portion of the subscriber's auto insurance premium can be borne.

Second, the cumulative point can only cover a certain portion (for example, 50%) of auto insurance premiums.

Loan interest is normally charged.

The subscriber station 40 checks the accumulated point sent from the service server 10 and the payment amount sent from the card company server 20 and deposits the charged amount into the card company server 20 (S630).

FIG. 7 is a detailed circuit diagram of the auto insurance signing step shown in FIG.

5 is different from the end of the insurance expiration date when the insurance expiration date, and instead of performing the step (S410) of transmitting the car insurance information, the subscriber terminal 40 when it is necessary to subscribe to the car insurance, such as buying a car Transmitting the insured car insurance to the service server 10 (S405), the service server 10 performs the step (S415) for transmitting the car insurance information to the subscriber terminal (40).

In this way, when the subscriber receives a card for insurance payment, the card company loans the car insurance premium to the subscriber and deposits it in the name of the subscriber.When paying the loan, the subscriber deducts the amount corresponding to the accumulated points earned using the card and pays the loan. With the increase in sales, the card company recognizes the image of △△ car insurance 00 card, and firmly established itself as a payment method of car insurance.

The insurer can attract auto insurance customers through its sales network and the service server can increase sales.

Subscribers can also relieve the economic burden of paying auto insurance premiums.

As described above, according to the present invention, by paying the car insurance premiums from the card company and repaying the car insurance premiums borrowed from the card company except for the amount corresponding to the points obtained by using the card issued after a certain time, Can increase sales by encouraging points, insurers can increase product competitiveness, and subscribers can reduce the burden of auto insurance premiums.

Claims (16)

A subscriber terminal having a web browser and communication means for accessing the internet network, a service server connected to the internet network for transmitting card information and car insurance information to the subscriber terminal, and transmitting card information to the service server When the card is applied, the card company server that issues the card, the insurance company server which transmits the car insurance information to the service server, and calculates the insurance premium, and transmits the points obtained by the subscriber using the card to the service server. Consists of merchant terminal to say, When the expiration date of the auto insurance approaches, the card company borrows the car insurance premium and pays it to the insurer in the name of the subscriber.When the next maturity month of the auto insurance approaches, the card company excludes the amount corresponding to the points earned by using the issued card. Auto insurance premium payment system using a card, characterized in that the repayment of the auto insurance premium borrowed. The method of claim 1, wherein the service server, A card information DB for storing card information provided by a card company server, A car insurance information DB for storing car insurance information provided by an insurance company server; Subscriber DB that stores personal information, vehicle information, and insurance subscription information entered when the subscriber joins as a member, Auto insurance payment system using a card, characterized in that it comprises a point DB for storing and storing points sent from the merchant terminal. The method of claim 2, wherein the points accumulated in the point DB is a car insurance payment system using a card, characterized in that earned together with the points given through the other card company affiliated terminal. The method of claim 1 or 2, wherein the merchant is, Auto insurance premium payment system using a card, characterized in that it comprises a merchant registered as a member in the card company and a merchant registered as a member in the service server. The system of claim 1, wherein the insurance information transmitted from the service server to the subscriber terminal includes the insurance premium calculated by the service server. The system of claim 1, wherein when the card is various and the car insurance is different, the card and the car insurance are matched 1: 1 and the car insurance is determined for each card. Accessing the service server through the Internet network as a subscriber terminal and subscribing as a member, Receiving a card through a card company server, First earning points earned using a card issued by a service server; Selecting the desired car insurance and taking out the premium of the selected car insurance from the credit card company and paying the insurance to the insurance company, Second earning points earned using the issued card to the first earned points, Method of paying a car insurance premium using a card comprising the steps of cashing the points and deducting the loan amount and paying the remaining loan amount. The method of claim 7, wherein the card issuing step, Using the card, characterized in that the service server transmits the information (subscriber information) entered in the registration step to the card company server, the card company server issuing the card and transmitting the card issuance fact to the subscriber terminal How to pay car insurance premiums. The method according to claim 8, wherein in the card issuing step, there are various kinds of cards, Transmitting various card information to the subscriber terminal so that the subscriber can select and issue a card at the service server; and selecting one of various types of cards displayed on the screen of the subscriber terminal and transmitting it to the service server. Car insurance payment method using a card comprising a. The method according to claim 7, wherein the point primary accumulation step or secondary accumulation step, Using the issued card to give points through the merchant terminal and transmit the results to the service server, and the service server comprises the steps of earning and storing new points to the points previously stored in the card How to pay car insurance premiums The method of claim 7, wherein the automobile insurance conclusion step, When the insurance expiration date is approaching, the service server transmits the arrival of the insurance expiration date and the car insurance information to the subscriber terminal, selecting the desired car insurance from the car insurance transmitted from the subscriber terminal to transmit to the service server, and at the service server Transmitting the selected car insurance information and subscriber information to the card company server and the insurance company server handling the selected car insurance, and the insurance company server to handle the selected car insurance by borrowing the premium corresponding to the selected car insurance in the card company server in the name of the subscriber Directly paying in the subscriber's name, checking the insurance premiums deposited in the subscriber's name on the insurer's server, and notifying the subscriber terminal of the deposit amount and insurance coverage, and entering into the subscriber's name on the service server. Join a car insurance policy Car insurance premium payment method using a card comprising the step of sending to the subscriber and the fact of the contract to the subscriber terminal. The method according to claim 11, if the subscriber has not already been insured in the car insurance, instead of the step of the arrival of the insurance expiration date and the car insurance information to the subscriber terminal in the service server, the subscriber terminal willing to subscribe to the car insurance service server And a step of transmitting, and the service server transmitting the car insurance information to the subscriber terminal. The method of claim 11, wherein in the automobile insurance conclusion step, If there is a defect in the amount of money notified to the subscriber terminal from the insurance company server, the insurance premium payment method using a card further comprising the step of correcting through the insurance company server. The method of claim 13, wherein the correction is A method of paying a car insurance premium using a card, characterized in that a subscriber deposits the difference to an insurance company when a car insurance premium is improperly deposited and a collection is caused, and a customer receives directly from an insurance company when a refund occurs. The method of claim 7, wherein the loan payment repayment step, In the month when the auto insurance contracted by the subscriber expires, the accumulated points accumulated in the service server are transmitted to the subscriber terminal and the card company server, and the card company server is loaned to pay the auto insurance premium by returning the points to cash. It is composed of the steps of sending a payment amount deducted from the loan to the subscriber terminal and claiming, and after checking the cumulative points sent from the service server and the payment amount sent from the card company server from the subscriber terminal and deposits the billed amount to the card company server Car insurance premium payment method using a card. The method of claim 15, wherein the cumulative point is deducted from a loan. Car insurance premium payment method using a card, characterized in that one of the cumulative points to pay only the interest portion of the car insurance premiums and a cumulative point to pay only a certain portion of the car insurance premiums.