KR20030049697A - A method of management for the credit card information of an insurant - Google Patents

Abstract

PURPOSE: An insurance subscriber card data processing method is provided to issue a card to an insurance subscriber, and to pay back a part of a premium to the insurance subscriber via the card. CONSTITUTION: An insurance subscriber fills in a card issue application form, and transmits the card issue application form to a member management server of an insurance service company(S1). The member management server analyzes the card issue application form, and checks whether the insurance subscriber is a member(S2). Then, the server analyzes the credit state of the subscriber by using the credit data of a credit assessment organization or a bank(S3), checks whether the subscriber has already owned the card(S4), and issues the card to the subscriber if the subscriber does not own the card(S5). The server checks whether the subscriber pays a premium(S6), and deposits a milage at an account linked to the card if the subscriber normally pays the premium(S7). The subscriber can use the milage when he or she downloads a bell sound or purchases a service or a commodity at affiliated department stores or theaters.

Description

How to handle insured card information {A method of management for the credit card information of an insurant}

The present invention relates to a method for efficiently managing an insurance subscriber, and more particularly, to a method for issuing a card to the insurer in the insurer, and to provide a portion of the insurance payment in the form of a cash back to the card.

Currently, a company that provides customers with tangible / intangible services or goods and receives payment for the service or goods has various event events for the management of the customers. / Mid / Small and small shopping shops, gas stations and beauty salons, and the event event held by the service company by setting a cumulative score for the customer member's service or product payment price, for example to give prizes or intangible services This is the way it is

That is, the service provider issues a membership management card, for example, at the time of the customer's first transaction, and provides a mileage score, cashback score, or bonus score by a dedicated member management card processing terminal whenever the customer uses the service. Is typically issued and managed by the service provider in a formal form (eg, magnetic card).

In addition, in most cases, while having a bank account issued by each bank while trading a plurality of banks, a cash withdrawal card is issued from each bank if necessary. In addition, a product of a prepaid card or a debit card that can be used by charging a predetermined amount has been proposed and applied to practical use. Recently, a credit card issued by a credit card company linked to a bank or an independent credit card company is substituted for cash. It is widely used as a payment method.

However, the accumulation of the card mileage up to now is provided only by purchasing the actual goods or using the service, so there is an unreasonable point of unnecessary purchase in some cases.

An object of the present invention is to provide a subscriber card information processing method having a cash back function by refunding a part of premiums to be paid monthly.

Another object of the present invention is to provide a subscriber information processing method that can help increase the sales of insurance companies by providing differentiated insurance products.

The subscriber card information processing method according to the present invention for achieving the above object is a process of the insurance subscriber connected to the member management server of the insurance company via the Internet to send the card issuance application information to the member management server of the insurance company, the insurance company Analyzing the information received from the member management server of the process of determining whether the insured, the credit card status of the cardholders, the process of checking whether the insured person owns the credit card, insurance that does not own the card It includes the process of issuing differentiated cards according to the credit status of the subscriber, checking whether the insured pays the monthly premium, and modifying the card mileage information of the subscriber who paid the premium. do.

A detailed feature of the subscriber card information processing method according to the present invention is that the card provided to the subscriber is a magnetic card or a smart card with an integrated circuit (IC).

1 is a flow chart showing the process of the insurance card information processing method according to the present invention.

Hereinafter, the insurance card information processing method according to the present invention with reference to the accompanying drawings will be described in detail.

1 is a flow chart showing the process of the subscriber card information processing method according to the present invention. As shown, a client (insurance subscriber) transmits a card issuance application made using a computer or provided using an application provided by an insurance company member management server through an internet bulletin board to an insurance company member management server. At this time, the information included in the application form includes the name, type of insurance and card information (S1).

The insurance company member management server analyzes the received application and analyzes the items listed to check whether the normal insured (S2) abnormal data is sent error message to the client.

If it is determined to be a normal insured, the credit information of the insured is extracted from a credit rating agency or a bank, and the credit status is analyzed (S3).

Determine whether the card issuing applicant owns the card (S4), and in the case of non-holders issue the card. The issued card may be in the form of a magnetic card or a smart card in which an integrated circuit (IC) is embedded. In addition, since the state has already been verified through the analysis of credit status, it is possible to receive a loan service using a card or to receive a benefit of premium priority payment (S5).

Check whether the premium is paid (S6), if normally paid, the card information of the subscriber is read, and reflects the mileage corresponding to a portion of the insurance payment of the month. Therefore, the insured person can use the same means as cash using the reserves accumulated by the insurance company. Affiliates that have partnered with insurance companies can be companies that provide services online and those that provide services offline. By using the reserve, you can download the mobile phone character or ringtone of the insured online, or you can benefit from various service providers such as theaters, department stores, condos, etc. (S7).

As described above, the subscriber card information processing method according to the present invention provides a part of the premium as a mileage to the insurance subscriber even without paying a premium, unlike a general card cash back, thereby providing the mileage of the product without special advertisement. It has the effect of increasing sales.

Claims (3)

The insurance subscriber accessing the member management server of the insurer via the Internet and transmitting the card issuance application information to the member management server of the insurance company; Analyzing the information received from the member management server of the insurance company to determine whether the insured, and the credit status of the card insured subscribers, Verifying the insured's possession of a credit card; The process of issuing a differentiated card according to the credit status of an insured person who does not own the card; The process of confirming the insured's monthly premium payment, Insurance card information processing method comprising the step of modifying the mileage information of the card of the subscriber who paid the premium. The method of claim 1; And the card provided to the subscriber is a magnetic card. The method of claim 1; The card provided to the subscriber is insurance card information processing method characterized in that the integrated circuit (Integrated Circuit) smart card.