KR20040000823A - System for network-based issue/custody of insurance policy and method thereof - Google Patents

Abstract

PURPOSE: A system and a method for issuing/keeping an insurance policy are provided to issue an insurance policy as an electronic document form, send the electronic document to a subscriber through e-mail, and store the insurance policy online. CONSTITUTION: A server computer certifies a user through a certificate authority computer(S100). If the user is a new user, the server computer sends a form data for new user. The subscription data is stored at a membership database, and the new user's re-connection is required. When the user's login data is inputted, the server computer compares inputted data with stored data, and login process is executed. In case that an insurance subscription is selected, the form data is transmitted, and the first insurance fee payment request is transmitted to the user's computer. After first insurance fee is paid, the electronic insurance policy is transmitted to the user.

Description

System for network-based issue / custody of insurance policy and method

The present invention relates to an insurance policy issuance / storage system and method.

More specifically, an insurance policy, which is a certificate of insurance, is issued in the form of an electronic document, sent to the user by secured e-mail, and stored online so that the user can easily view the insurance policy anytime, anywhere. Issuance / Storage Systems and Methods.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, as part of the business through the Internet, sites that provide various contents such as internet advertisements, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, and e-commerce are rapidly increasing.

In recent years, such insurance companies have provided services that enable them to subscribe to various insurance products, which are mainly done offline, online. The convenience and need not to do is increasing the interest and use of users.

In other words, in order to subscribe to various insurance products on-line, the user meets the designer in person and performs legal notice and handwritten signature using the insurance policy, and then receives the insurance premium directly to the designer or pays it through credit card / bank transfer. After the subscription is made, the insurance company confirms the contents of the insurance policy written by the user and the payment of the one-time premium, processes the user's insurance through computerized input, and mails the written insurance policy to the user. Since it takes a way to complete the insurance, users who want to insure the insurance had to spend extra time for subscription of insurance products, one-time premium payment, etc.

Accordingly, as described above, each insurance company has begun to provide a service so that the insurance can be purchased online to solve the inconvenience caused by the offline insurance.

In this way, when a user subscribes to various insurance products online, the user accesses a site operated by the insurance company, checks the description of the insurance product through a text-based document, and expresses his intention to purchase the insurance product. After mailing the insurance policy to the relevant user, he / she carries out legal notices such as the health condition related to the insurance policy on the insurance policy, and returns the subscription to the insurance company after signing the certificate to prove that the user has completed it. Contact the relevant user to process their identity and legal notice (in this case, the insurance company records and keeps a record of the call with the user), and the user who received the insurance policy pays the premium once through credit card / bank transfer. When the insurance company confirms the payment of the premium once, the user enters the computer. Handle the insurance, and mailed to the insurance policy document to the user completes the insurance.

However, as described above, in the past, when an insurance policy is issued to a user who purchased insurance online, the insurance company must print the insurance policy and provide it to the user. Due to the cost of having a computerized system, the delivery of insurance policies has to be carried out by mail or visiting the architect. There was a problem that a user complaint occurred.

In addition, since the insurance policy is a paper document, users who have signed up for the insurance may be lost or damaged during the storage process after receiving the insurance policy. It was difficult to check the contents of the insurance, and it was inconvenient to visit the insurance company directly if the insurance policy was lost and reissued.

An object of the present invention is to issue an insurance document in the form of an electronic document and send it to the user by secured e-mail, so that the insurance policy can be easily printed, delivered, and stored so that the above-mentioned problems can be solved. To provide a network-based insurance policy issuance / storage system and method.

Another object of the present invention is to provide a network-based insurance policy issuance / storage system that enables the insurance company to easily look up insurance policies anytime, anywhere by the insurance company to keep the insurance policy, the insurance certificate on the insurance online; To provide a way.

1 is a block diagram schematically showing the configuration of a network-based insurance policy issuance / storage system according to the present invention,

2 is a block diagram showing in detail the configuration of the server computer of FIG.

3 is a flow chart showing in detail the operation of the network-based insurance policy issuance / storage method according to the present invention;

4 to 7 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

100: network communication network 200: user computer

300: server computer 310: data communication means

320: control means 330: insurance policy issuance means

340: membership management database 350: insurance product database

360: insurance policy database 370: email security processing / delivery means

400: certificate authority computer

The network-based insurance policy issuance / storage system of the present invention for achieving the above object, the network communication network for connecting the unspecified number of communication lines and data communication between each other; In response to an external request for providing an insurance sales service connected through a network communication network, a user who performs the electronic authentication by outputting the login or new member registration data input by the user to the outside and checks the insurance product information is provided externally. Print out the insurance subscription data, including the option to receive the insurance policy through the Internet, which is entered according to the insurance subscription form, receive the insurance subscription approval data and the one-time payment request data from the outside, A plurality of user computers receiving electronic insurance policies in writing; When the insurance selection data is input from the user computer which performs the electronic authentication process based on the login or new member registration data inputted from the user computer connected through the network communication network and checks the various insurance product information built into the database, the user Output the insurance form data to the computer, perform the approval or rejection of the insurance subscription based on the insurance subscription data including the choice of receiving the insurance policy via the Internet input from the user computer, and perform the computerized input of the approved insurance subscription data. Print out the insurance approval approval data and the one-time premium payment request data to the user's computer, and after confirming the one-time premium payment of the user who performed the insurance subscription, issue an electronic insurance policy or print it on paper. Issued insurance policy A server computer for issuing an insurance document in electronic form, storing it in a database, and providing it to the user by secured e-mail when it is necessary to reissue the insurance policy through electronic authentication due to received or lost or damaged; In response to a request of a server computer connected through a network communication network, a user performs electronic authentication for identification of a specific user, and is configured as a certification authority computer for outputting electronic authentication data of the user to the server computer.

In addition, the network-based insurance policy issuance / storage method of the present invention, (1) the user of the user through the certification authority computer based on the login or new member registration data input from the user computer that is connected to the communication through the network communication network from the server computer Performing an electronic authentication process; (2) determining whether the insurance product subscription or the insurance policy inquiry is selected from the user computer that has undergone electronic authentication processing at the server computer; (3) provide the insurance subscription form data to the user's computer upon the request of the user who has chosen to subscribe to the insurance product on the server computer, and apply the insurance subscription based on the insurance subscription data including the choice of receiving the insurance policy via the Internet input from the user's computer; Performing computerized input of the approved insurance subscription data at the same time as approving or rejecting the data, and providing insurance approval approval data and one-time premium payment request data to the corresponding user computer; (4) After confirming the payment of the premium once by the user who made the insurance subscription on the server computer, issue an electronic document insurance policy, store it in the database, secure the issued insurance policy and send it to the e-mail address specified by the user. Shipping process; (5) A process of providing insurance policy data of the user stored in the database to the user computer according to the request of the user who has selected the insurance policy inquiry from the server computer.

Hereinafter, with reference to the accompanying drawings will be described in detail the network-based insurance policy issuance / storage system and method of the present invention.

1 is a block diagram schematically showing the configuration of a network-based insurance policy issuance / storage system according to the present invention.

As shown, the network communication network 100 is a communication network such as a wired / wireless internet, and a communication line between a plurality of user computers 200 and a server computer 300, a server computer 300, and a certificate authority computer 400. The data communication between the electronic certification and the issuance / storage of the insurance policy is performed by connecting each other.

The plurality of user computers 200 log-in data or new member registration data input by a user in response to a request of the server computer 300 for providing insurance sales and insurance policy issuance / storage services connected through the network communication network 100. To the server computer 300 to perform the electronic authentication, to check the detailed information of the various insurance products provided by the server computer 300, the server computer ( The insurance subscription form data is input from 300.

Then, the insurance subscription data including the insurance policy receipt selection (that is, the receipt of the insurance policy in the electronic document through the e-mail) input by the user according to the insurance policy form data received from the server computer 300 server The computer 300 outputs the data, receives the insurance subscription approval data and the one-time premium payment request data from the server computer 300, and after the one-time premium payment, the insurance policy, which is an electronic document, from the server computer 300. It is provided to you by mail.

The server computer 300 requests a login or new member registration to the user computer 200 which has performed a communication connection through the network communication network 100, and if login data or new member registration data is input from the user computer 200, Based on the data, electronic certification of the user is performed through the certification authority computer 400, and insurance insurance selection data is input from the user computer 200 which checks various insurance product details established as a database and performs legal notice. The insurance policy form data is output to the user computer 200.

Then, based on the insurance subscription data including the insurance policy receipt selection through the Internet input from the user computer 200, the approval or rejection processing of the insurance subscription is performed and the computerized input of the approved insurance subscription data is performed, and the insurance subscription approval is performed. The data and the one-time premium payment request data are output to the user's computer 200. After confirming the one-time premium payment of the user who performed the insurance subscription, an insurance policy in electronic document is issued or the insurance printed on the paper is printed. If a policy is issued or it is necessary to reissue the insurance policy through electronic certification due to loss or damage, the insurance policy is issued as an electronic document, stored in a database, and provided to the user by secure e-mail.

In addition, the server computer 300 described above, when insurance policy inquiry selection data is input from a specific user computer 200 that is connected through the network communication network 100, the details of the insurance policy that you want to inquire to the user computer 200 Request information input, and extracts the insurance policy data stored in the insurance policy database based on the detailed information of the insurance policy to be entered from the user computer 200 to output to the user computer (200). At this time, the server computer 300 requests the input of a password that has been previously promised to the user computer 200 that selects the insurance policy inquiry for data security and user property protection, and inputs the password input from the user computer 200. After checking, insurance policy inquiry service can be performed.

The certification authority computer 400 performs electronic authentication for identification of a specific user according to a request of the server computer 300 connected through the network communication network 100, and transmits the electronic authentication data of the user to the server computer 300. )

2 is a block diagram showing in detail the configuration of the server computer 300 of FIG.

As shown, the data communication means 310 is the insurance policy according to the specific user computer 200 that has made a communication connection to the server computer 300 and the login or new member registration data for electronic authentication, the insurance subscription request Output of form data, input of insurance subscription data including insurance policy receipt selection through the Internet, approval data according to insurance subscription approval, and output of one-time premium payment request data, and are authenticated under the control of the control means 320. A communication connection is performed to the institution computer 400 to perform an electronic authentication request based on the login data input by the user connected to the server computer 300 and input the electronic authentication data of the user.

Then, the data communication means 310 outputs the insurance policy inquiry selection data input from the user computer 200 to the control means 320, and the detailed information input request data of the insurance policy desired to be inquired to the user computer 200. Outputs the detailed information of the insurance policy to be input from the user computer 200 to the control means 320, and outputs insurance policy data input from the control means 320 based on the detailed information of the insurance policy. Output to (200).

The control means 320 performs a communication connection with the certification authority computer 400 based on the login or new member registration data input from the specific user computer 200 through the data communication means 310 to perform electronic authentication. To control the insurance policy form data to be output to the user computer 200 having selected the insurance subscription, and approve or reject the insurance policy based on the insurance subscription data including the selection of insurance policy receipt through the Internet input from the user computer 200. Simultaneously with processing, the computerized entry of approved insurance data is controlled.

Then, the insurance policy approval data and the one-time premium payment request data of the user are controlled to be output to the user computer 200, and after confirming the one-time premium payment of the user, the insurance policy of the electronic document according to the insurance contract Control issuance and control the security policy to be sent to the user computer 200 via e-mail.

In addition, when the insurance policy inquiry selection data is input from the user computer 200 through the data communication means 310, the control unit 320 requests the user computer 200 to input detailed information of the insurance policy that the user wants to inquire. Control the extraction of the insurance policy data stored in the insurance policy database 360 based on the detailed information input from the user computer 200, and outputs the extracted insurance policy data to the user computer 200.

The insurance policy issuing means 330 issues an insurance policy which is an electronic document of a user who subscribes to a specific insurance product under the control of the control means 320 and stores it in the insurance policy database 360.

The member management database 340 stores login information and personal information of each user under the control of the control unit 320.

The insurance product database 350 stores and outputs detailed information on a plurality of insurance products to be sold online under the control of the control unit 320.

The insurance policy database 360 stores insurance policy form data and insurance subscription data input by users, and is issued by the insurance policy issuing means 330 for each user who performed an insurance contract under the control of the control means 320. Save and print insurance policy data in electronic form.

The e-mail security processing / sending means 370 performs the security processing of the insurance policy of the electronic document according to the insurance contract under the control of the control means 320, and the e-mail address designated by the user for the secured insurance policy. Ship to

Next, an embodiment of the network-based insurance policy issuance / storage method according to the present invention configured as described above will be described in detail with reference to FIGS. 3 to 7.

3 to 7 are flowcharts showing in detail the operation of the network-based insurance policy issuance / storage method according to the present invention.

First, the server computer 300 performs the electronic authentication process of the user through the certification authority computer 400 on the basis of the login or new member registration data input from the user computer 200 connected through the network communication network 100 (S100).

In detail, the server computer 300 requests input of new login data or new member registration to the user computer 200 that is connected through the network communication network 100 (S110), and from the user computer 200. It is determined whether login data is input or new member registration is selected (S120).

As a result of the determination, when a new member registration is selected from the user computer 200, the server computer 300 provides form data for new member registration to the user computer 200 (S130), and inputs from the user computer 200. After the new member registration data is stored in the member management database 340 to perform new member registration, the user computer 200 requests a reconnection (S140).

However, when the log data is input from the user computer 200 as a result of the above-described determination (S120), the server computer 300 compares the log data input by the user with data previously stored in the member management database 340. After confirming, the communication connection is performed (S150).

After entering the user's login data or registering a new member, the server computer 300 performs a communication connection with the certificate authority computer 400 through the network communication network 100 and requests electronic authentication of the user who logged in ( In step S160, it is determined whether the electronic authentication data of the corresponding user is input from the certification authority computer 400 (S170).

As a result of the determination, when the electronic authentication data of the corresponding user is input from the certification authority computer 400, the server computer 300 provides the electronic authentication processing result of the logged in user to the corresponding user computer 200, and the electronic authentication processing of the user. End (S180).

As described above, after processing the electronic authentication of the user who is connected to the server computer 300 through the above-described process (S100), the server computer 300 selects the insurance product subscription from the user computer 200 has been subjected to the electronic authentication process It is determined whether the insurance policy inquiry is selected (S200).

When the insurance product subscription is selected from the user computer 200 as a result of the above-described determination (S200), the server computer 300 transfers the insurance policy form data to the corresponding user computer 200 at the request of the user who has selected the insurance product subscription. Provide an approval or rejection of the corresponding insurance subscription based on the insurance subscription data including the selection of receipt of the insurance policy through the Internet input from the user computer 200, and perform computerized input of the approved insurance subscription data. The approval data and the one-time premium payment request data are provided to the corresponding user computer 200 (S300). In other words, a specific insurance product is sold online according to the insurance subscription of the user.

In detail, the server computer 300 determines whether detailed information of a specific insurance product is requested from the user computer 200 (S310), and when detailed information of a specific insurance product is requested from the user computer 200, The insurance product database 350 extracts detailed information of the insurance product in text / video data and provides the extracted insurance information to the user computer 200 (S320).

In addition, the server computer 300 determines whether the legal notice check of the insurance product included in the detailed information is selected from the user computer 200 confirming the detailed information of the specific insurance product (S330), and the legal notice of the insurance product. When the check is selected, whether or not the legal notice of the user is confirmed based on the legal notice confirmation data input from the user computer 200 (S340).

After the legal notice of the user confirming the insurance product, the server computer 300 determines whether the insurance subscription for the subscription of a specific insurance product is selected from the user computer 200 (S350), and if the insurance subscription is selected, the specific insurance Insurance subscription form data for the subscription of the product is provided to the corresponding user computer (200) (S360).

In operation S370, the server computer 300 determines whether insurance subscription data including an insurance policy receipt selection through the Internet for insurance coverage is input from the user computer 200.

As a result of the determination, when the insurance subscription data is input from the user computer 200, the server computer 300 checks the contents of the corresponding insurance subscription data, processes the approval or rejection of the insurance subscription, and stores the approved insurance subscription data in the insurance policy database. In operation S380, the controller 360 stores the stored information at 360.

In addition, the server computer 300 provides the approval data and the one-time premium payment request data according to the insurance subscription of the user to the corresponding user computer 200 (S390).

Now, after selling the insurance product online according to the insurance subscription of the user through the above-described process (S300), the server computer 300 checks whether the user who performed the insurance subscription paid the premium once, and then made an electronic document. The insurance policy is issued and stored in the insurance policy database 360, the security policy is issued, and then sent to the e-mail address designated by the user (S400).

In detail, the server computer 300 determines whether the user who performed the insurance subscription paid the premium once (S410).

As a result of the determination, once the premium payment is performed, the server computer 300 issues an electronic document insurance policy through the policy issuing means 330 after completing the subscription of the specific insurance product subscribed by the user ( S420), the insurance policy of the electronic document issued through the insurance policy issuing means 330 is stored in the insurance policy database 360 (S430).

Subsequently, the server computer 300 performs security processing of the insurance policy in the electronic document through the electronic mail security processing / transmission means 370 (S440), and the insurance policy data in the electronic document performing the security processing is performed by the user. The insurance mail and insurance policy issuance service is terminated online by sending to the designated e-mail address (S450).

On the other hand, if the insurance policy inquiry is selected from the user computer 200 as a result of the above-described process (S200), the server computer 300 is stored in the insurance policy database 360 in accordance with the request of the user who selected the insurance policy inquiry The insurance policy data of the corresponding user is provided to the user computer 200 (S500).

In detail, the server computer 300 determines whether insurance policy inquiry selection data is input from the user computer 200 (S510).

As a result of the determination, when the insurance policy inquiry selection data is input from the user computer 200, the server computer 300 requests input of detailed information of the insurance policy that the user computer 200 wants to inquire (S520).

Thereafter, the server computer 300 determines whether the detailed information of the insurance policy to be inquired from the corresponding user computer 200 is input (S530), and when the detailed information of the insurance policy to be inquired is input from the user computer 200. The insurance policy data stored in the insurance policy database 360 is extracted based on the detailed information of the insurance policy input by the user (S540).

The server computer 300 outputs the specific insurance policy data extracted from the insurance policy database 360 to the corresponding user computer 200 to terminate the insurance policy inquiry service (S550).

As described above, according to the network-based insurance policy issuance / archive system and method of the present invention, users who have performed insurance online can easily receive an insurance policy by secured e-mail or perform an online inquiry of the insurance policy easily. In this way, the insurer operating the server computer can improve customer satisfaction due to the rapid delivery of insurance policies, and can greatly reduce the cost of issuing and delivering paper insurance policies, and inquiries related to insurance benefits. It is possible to reduce the efficiency of the call center, thereby improving the efficiency of call center operation.

In addition, each user who has subscribed to various insurance products online has the effect of checking the payment details of a specific insurance product subscribed to by the insurance policy online.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (9)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; In response to an external request for providing an insurance sales service connected through the network communication network, electronic authentication is performed by externally outputting login or new member registration data input by the user, and the user who confirms insurance product information is provided externally. Print out the insurance subscription data, including the choice of receiving the insurance policy through the Internet, according to the insurance subscription form, and receive the insurance subscription approval data and the one-time payment request data from the outside, and from the outside after one payment A plurality of user computers receiving electronic insurance policies by electronic mail; When the insurance selection data is input from the user computer which performs the electronic authentication process based on the login or new member registration data inputted from the user computer connected through the network communication network and checks the various insurance product information built into the database, Output the insurance offer form data to the user's computer, perform the approval or rejection processing of the insurance subscription based on the insurance offer data including the selection of the insurance policy receipt through the Internet input from the user's computer, and input the computerized input of the approved insurance offer data. Prints the insurance approval approval data and the one-time premium payment request data to the user's computer, confirms the one-time premium payment of the user who made the insurance subscription, and then issues an electronic insurance policy or Printed insurance policy A server computer for issuing an insurance document in electronic form, storing it in a database, and providing it to the user by secured e-mail when it is necessary to reissue the insurance policy through electronic authentication for reasons of being issued or lost or damaged; And And a certificate authority computer configured to perform electronic authentication for identification of a specific user according to a request of the server computer connected through the network communication network, and output the electronic authentication data of the user to the server computer. Network-based insurance policy issuance / storage system. The method of claim 1, wherein the server computer, Entering login or new member registration data for electronic authentication with a user computer that has made a communication connection to the server computer, outputting an insurance subscription form in accordance with an insurance subscription request, input of insurance subscription data including selection of insurance policy receipt through the Internet, It outputs the approval data and the one-time premium payment request data according to the insurance subscription approval, and the electronic authentication request and the electronic authentication request based on the login data inputted by the user connected to the server computer through the communication connection to the certification authority computer. Data communication means for inputting authentication data; Through the data communication means, control is made to perform electronic authentication by performing a communication connection with the certification authority computer based on login or new member registration data input from a specific user computer, and transmit insurance insurance form data to the user computer selected for insurance subscription. Control the output, control the computerized input of the approved insurance subscription data while performing the approval or rejection processing of the insurance subscription based on the insurance subscription data including the selection of insurance policy receipt through the Internet input from the user's computer. The insurance policy approval data and the one-time premium payment request data are output to the user's computer, and after confirming the one-time premium payment of the user, the issuance of the electronic insurance policy under the insurance contract is controlled, and the security processing is performed. The corresponding insurance policy It controls to be sent via e-mail to the computer control means; Insurance policy issuing means for issuing an insurance policy in the form of an electronic document of a corresponding user subscribed to a specific insurance product under the control of the control means; A member management database for storing login information and personal information of each user according to the control of the control means; An insurance product database for storing detailed information on a plurality of insurance products to be sold online under the control of the control means; Insurance policy form data and insurance subscription data input by users are stored, and insurance policy data of electronic documents issued by the policy issuing means for each user who performed an insurance contract under the control of the control means is stored. Insurance database; And In accordance with the control of the control means for the security processing of the insurance policy of the electronic document in accordance with the insurance contract, including the security security / sending means for sending the secured insurance policy to the e-mail address specified by the user Network-based insurance policy issuance / storage system, characterized in that configured. The method of claim 1, wherein the server computer, When insurance policy inquiry selection data is input from a specific user computer that is connected through the network communication network, request to input detailed information of the insurance policy that the user computer wants to inquire. A network-based insurance policy issuing / storage system, characterized in that the insurance policy data stored in the insurance policy database is extracted based on the details of the insurance policy entered by the user and output to the user computer. The method of claim 3, wherein the server computer, The user's computer, which selects the insurance policy inquiry, requests the input of a pre-committed password. A network-based insurance policy issuing / storage system, characterized in that the service is provided to check the password input from the user computer and proceed with the insurance policy inquiry service. (1) performing a process of electronic authentication of a corresponding user through a certification authority computer based on login or new member registration data inputted from a user computer connected through a network communication at a server computer; (2) determining whether the insurance product subscription or the insurance policy inquiry is selected from the user computer on which the electronic authentication process is performed on the server computer; (3) provide the insurance subscription form data to the user's computer upon the request of the user who has chosen to subscribe to the insurance product on the server computer, and apply the insurance subscription based on the insurance subscription data including the choice of receiving the insurance policy via the Internet input from the user's computer; Performing computerized input of the approved insurance subscription data at the same time as approving or rejecting the data, and providing the insurance approval approval data and the single premium payment request data to the user computer; (4) After confirming the payment of the premium once by the user who made the insurance subscription on the server computer, issue an electronic document insurance policy, store it in the database, secure the issued insurance policy and send it to the e-mail address specified by the user. Shipping process; And (5) Network-based insurance policy issuance / storage, comprising the step of providing insurance computer data of the user stored in the database to the user computer according to the request of the user who selected the insurance policy inquiry from the server computer. Way. The method of claim 5, wherein the process (1), (1-1) requesting input of login data or registration of a new member from a server computer to a user computer connected through a network communication network; (1-2) determining whether login data is input from the corresponding user computer or new member registration is selected at the server computer; (1-3) if the new member registration is selected from the user computer as a result of the determination, providing form data for new member registration from the server computer to the user computer; (1-4) storing new member registration data input from the user computer in the member management database to perform new member registration, and requesting reconnection to the corresponding user computer; (1-5) When the login data is input from the user computer as a result of the determination in step (1-2), the server computer compares and confirms the login data input by the user and the data stored in the member management database and establishes a communication connection. Performing; (1-6) requesting electronic authentication of the user who logged in after performing a communication connection with the authentication authority computer through the network communication network at the server computer; (1-7) determining whether the electronic authentication data of the corresponding user is input from the certification authority computer in the server computer; And (1-8) if the electronic authentication data of the user is input from the certificate authority computer, providing the result of the electronic authentication processing of the user logged in at the server computer to the user computer, and terminating the electronic authentication processing of the user. Network-based insurance policy issuance / storage method, characterized in that made. The method of claim 5, wherein the process (3), (3-1) determining whether detailed information of a specific insurance product is requested from the user computer at the server computer; (3-2) if the detailed information of the specific insurance product is requested from the user computer, extracting the detailed information of the insurance product in text / video data from the insurance product database on the server computer and providing the same to the user computer; (3-3) determining whether the legal notice confirmation of the insurance product included in the detailed information is selected from the user computer for confirming the detailed information of the specific insurance product; (3-4) if the legal notice confirmation of the insurance product is selected as a result of the determination, confirming the legal notice of the user based on the legal notice confirmation data input from the user computer at the server computer; (3-5) determining whether an insurance subscription for a particular insurance product is selected from the user computer at the server computer; (3-6) if the insurance subscription is selected from the user computer as a result of the determination, providing the insurance policy form data for the subscription of the specific insurance product to the user computer at the server computer; (3-7) determining, at the server computer, whether insurance subscription data including insurance policy selection from the user computer over the Internet for insurance coverage is input; (3-8) When the judgment data is input from the user's computer as a result of the judgment, the server computer checks the contents of the insurance subscription data to process the approval or rejection of the insurance subscription, and the approved insurance subscription data is transferred to the insurance policy database. Storing; And (3-9) A method for issuing / storing a network-based insurance policy comprising the step of providing to the user computer the approval data and the one-time premium payment request data from the server computer at the server computer. The method of claim 5, wherein the process (4), (4-1) determining whether the user who performed the insurance subscription at the server computer paid the premium once; (4-2) As a result of the judgment, once the user pays the premium, the server computer completes the subscription of the specific insurance product subscribed by the user, and then issues the insurance policy in electronic document through the policy issuing means. Doing; (4-3) storing the insurance policy of the electronic document issued through the insurance policy issuing means in the server computer in the insurance policy database; (4-4) performing security processing of the insurance policy of the electronic document through the electronic mail security processing / sending means in the server computer; And (4-5) A network-based method comprising the step of sending a security policy of an electronic document secured through an email security processing / sending means to a user's designated email address through a server computer. How to Issue / Store Your Policy. The method of claim 5, wherein the process (5), (5-1) determining whether insurance policy inquiry selection data is input from the user computer at the server computer; (5-2) when the insurance policy inquiry selection data is input from the user computer, requesting to input detailed information of the insurance policy that the server computer wants to inquire from the server computer; (5-3) determining whether the detailed information of the insurance policy desired to be inquired from the user computer is input at the server computer; (5-4) when the detailed information of the insurance policy to be inquired from the user computer is input, extracting corresponding insurance data stored in the insurance policy database based on the detailed information of the insurance policy input by the user at the server computer; And (5-5) A network-based insurance policy issuing / storing method comprising the step of outputting a specific insurance policy data extracted from the insurance policy database from a server computer to a corresponding user computer.