KR20040009366A - System and method for offering and managing a insurance goods using a credit member's settlement apparatus - Google Patents

Abstract

PURPOSE: A system and a method for managing the insurance goods provision using a member shop terminal are provided to make a subscriber or a member shop proprietor effect and manage a guarantee insurance of an article in real-time by using a terminal installed in the member shops. CONSTITUTION: Member shop terminals(A1-An) include a display part for operating a settlement button and a guarantee insurance subscription button, inputting the card information, and displaying the information, and a communication module. Buyer terminals(B1-Bn) include a web browser for outputting the guarantee insurance information and the communication module. Insurance company servers(SS1-SSn) register the guarantee insurance for the article by receiving an insurance subscription signal and the article information from the member shop terminal, and process an insurance rate for the article. Card company servers(CS1-CSn) process the credit settlement by receiving the settlement information for the article and the guarantee insurance. An insurance goods providing/management server(SGPMS) processes the insurance subscription, and transmits the card information of a subscriber to the card company server.

Description

Insurance product provision management system and method using the merchant terminal {SYSTEM AND METHOD FOR OFFERING AND MANAGING A INSURANCE GOODS USING A CREDIT MEMBER'S SETTLEMENT APPARATUS}

The present invention relates to an insurance product providing management system and method using a merchant terminal, and more specifically, subscribers and merchants, manufacturers using a merchant terminal and a bank ATM terminal can quickly purchase a plurality of insurance, merchants Improve the sales of goods by using the goods security insurance, event-based split insurance, and insurance for plural insurers to execute and process split agreements on insurance payments, and to input and process information quickly and securely; It relates to an insurance product providing management system and method using a merchant terminal to ensure the activation of.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

In light of these circumstances, Applicant will provide more efficient use of credit cards and various events through such credit cards to maximize the merchant's sales, fulfill the sound tax obligations of credit card users, and provide credit card users with credit. In order to give a credit for the use of the card, on January 07, 2002, the name of the invention: a patent application for a lottery ticket release system using a merchant terminal and a processing method thereof was filed.

Looking at the above-mentioned patent application, the gist of the patent is linked to the credit card payment server to purchase a lottery ticket through the merchant terminal at the time of credit card purchases or cash purchases, and the personal information registered in advance to the credit card company The information can be automatically registered on the server, the lottery purchase information is included in the card sales slip, and the buyer can receive the lottery number automatically by random number processing from the server side. Fill in all or part numbers manually and get the rest of the numbers automatically to get the lottery ticket.

In addition, if the buyer registers the strategy number on the server in advance, and purchases the lottery ticket, the corresponding lottery strategy number is automatically provided to the buyer by combining the lottery strategy number on the server. It is possible to provide lottery tickets, integrated management of multiple credit card companies in a single lottery ticket release server to purchase lottery tickets for payment of goods / services using various credit cards, and based on the number of offline lotteries registered in advance. As a result, buyers can selectively purchase offline lotteries.

In addition, the applicant of the present invention filed on January 18, 2002 about the title of the invention: the division number of the lottery number and the online lottery release system capable of processing the same, and a processing method thereof.

The gist of the above patent allows the merchant to separately purchase the online lottery number, thereby increasing the relative chance of winning, processing the partial payment for the winnings, and providing the reserve for the purchase of the prize. By dividing the number into individual numbers, it leads to buyer satisfaction, reduces the burden on reserve providers to activate online lottery sales, and provides online advertisements by splitting the online lottery numbers in exchange for watching various advertisements or reading. It was to make it possible to activate it, and to sell separately the registered lottery tickets sold offline, and to pay the prizes in installments.

In addition, another aspect of the patent was to enable the online lottery to be purchased in real time through various online lottery purchase terminals, such as mobile, product purchase window, cash dispenser, and to register the same.

However, both of the above patents were inventions using the functions of payment terminals of the existing merchants, and there was a limit in data communication of the existing payment terminals to perform various multi-payments. Therefore, there has been a problem in that it does not satisfy the desires of merchant owners or consumers who desire multi-payment of massive capacity.

In addition, there is a limit that the existing merchant terminal can not perform the tasks performed by the banks and credit card companies through the cashiers in part. This can also be regarded as a problem of data communication capacity. Thus, consumers and merchants had to suffer the inconvenience of having to spend time and visit a bank or credit card company directly.

This problem may be caused by a new member of the insurance product, or the inconvenience of a registered insurance product, as well as the insurance company, or the credit card number on the phone for the card verification. It should be informed to, and the inconvenience of having to perform a long authentication process through the credit card number and password information. In particular, there is a problem that a new insurance subscriber must enter specific personal information.

In addition, even if the merchant owner to provide a particular insurance product as an event product among the existing insurance products, there is a problem that there is almost no such product, and the joining procedure is the same as the existing insurance product, which is very troublesome.

On the other hand, the existing insurance products are very uniform, there is a limit that the choice of consumers is not wide.

Therefore, even at the present time when the perception of insurance is changing as the advanced culture is taking root in our society, the sales of insurance products and merchants are not linked at all, and the conventional off-line insurance product sales and subscription process The problem went on. This problem is limited to increase the sales even when using a multi-payment terminal in the merchant, it also showed a limit in increasing the sales of insurers.

The present invention has been made in view of the above-described circumstances of the prior art, and when a user purchases an item using a terminal provided in a plurality of merchants, the subscriber or the merchant owner subscribes to the insurance in real time in real time, and the insurance and the management for the same. An object of the present invention is to provide an insurance product providing management system using the affiliated store terminal and a method thereof.

Another object of the present invention is to provide a system and method for providing insurance product management system using an affiliated store terminal that enables consumers to recognize accurate product information by including post-purchase insurance insurance subscription information of a product in bar code information of a sold product. .

Another object of the present invention is to provide a subscriber terminal or a manufacturer in real time to subscribe to the insurance insurance of the product when purchasing the goods using a terminal provided in a plurality of merchants, merchants terminal using the merchant terminal to insure the insurance, management To provide an insurance product providing management system and method thereof.

Another object of the present invention is to provide an insurance product providing management system and method using an affiliated store terminal to provide and manage a divided insurance obtained by dividing various insurances for a period of time in exchange for purchase of goods at a merchant.

Another object of the present invention is to provide a system and method for providing insurance product management system using a merchant terminal that allows a credit card loss insurance to be subscribed to using a merchant terminal and manages insurance products therefor. .

Another object of the present invention is to provide a single payment to the insured by the insured on the basis of the accident insured by the multiple insurers of the insured, and insurance using the merchant terminal to manage the rate applied in the event of an accident differentially The present invention provides a product management system and method.

1 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a first embodiment of the present invention;

Figure 2a is a diagram showing a bar code containing the insurance information of the insurance product providing management system using the merchant terminal according to the first embodiment of the present invention,

2b is a view showing a receipt including insurance information of the insurance product providing management system using the merchant terminal according to the first embodiment of the present invention;

3 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to the first embodiment of the present invention;

4 is a flowchart illustrating another signal flow of the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention;

5 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a second embodiment of the present invention;

6 is a data diagram illustrating a signal processing state of an insurance product providing management system using an affiliated store terminal according to a second embodiment of the present invention;

7 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to a second embodiment of the present invention;

8 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention;

9 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention;

10 is a diagram illustrating a signal processing state of an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention;

11 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a fourth embodiment of the present invention;

12 is a data diagram illustrating a data processing state of an insurance product providing management system using an affiliated store terminal according to a fourth embodiment of the present invention;

13 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to a fourth embodiment of the present invention;

14 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a fifth embodiment of the present invention;

15 is a data diagram showing a data processing state of an insurance product providing management system using an affiliated store terminal according to a fifth embodiment of the present invention;

16 is a flowchart illustrating a signal flow of the insurance product providing management system using the affiliated store terminal according to the fifth embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: Merchant terminal, SGPMS: Insurance product provision management server,

SS1-SSn: insurance company server, CS1-CSn: card company server.

In order to achieve the above object, according to a preferred embodiment of the present invention to operate the payment button for payment of goods and the insurance insurance subscription button for the goods, and to input the card information for crediting the goods and insurance premiums A merchant terminal having a display unit for displaying insurance subscription information and product purchase information, and having a communication module for transmitting corresponding data to a remote server; A purchaser terminal having a web browser configured to access a remote server and to display a screen of whether to subscribe to the insurance coverage and insurance information when the goods are paid through the merchant terminal, and having a communication module installed therein; The insurance company server registers the insurance insurance for the buyer's goods by receiving the insurance insurance subscription signal and the product information generated through the affiliated store terminal, and calculates and processes the insurance payment rate according to the period and the goods classification category. Wow; A card company server for receiving credit payment information and insurance premium payment information generated through the merchant terminal and performing credit settlement processing; In connection with a plurality of merchant terminals, insurance processing is performed according to the insurance subscription signal for insurance product subscription selected by the merchant owner, and the card information inputted by the subscriber is transmitted to the card company server for payment processing. There is provided an insurance product providing management system using an affiliated store terminal, characterized in that the insurance product providing / management server performs insurance subscription processing of the insured by the subscriber's card information.

Preferably, the merchant terminal is a product insurance management system using the merchant terminal, characterized in that the screen information that can generate a subscription signal for the insurance after the purchase of goods on the outside is output by a separate unique shortcut operation Is provided.

Preferably, the insurance product providing / management server is provided with an insurance product providing management system using a merchant terminal, characterized in that applying the rate according to the category and the total period of use according to the price characteristics of the goods.

Preferably, the classification according to the article category is provided with an insurance product providing management system using a merchant terminal, characterized in that at least includes a classification according to whether luxury goods, necessities, consumer products.

Preferably, the bar code information attached to the outer surface of each article in the affiliated store is provided with an insurance product providing management system using the affiliated terminal, characterized in that the subscription information for the product security insurance further includes.

On the other hand, the present invention is a process for generating a desired signal for the merchant owner to subscribe to the goods security insurance; Registering article information; Registering insurance payment rate information with respect to the article from an insurance company in a server; Providing premium information on the guaranteed insurance; Performing a settlement process for the premium; A process of generating an accident signal; Provided is an insurance product providing / management method using a merchant terminal, which comprises a process of providing an insurance premium applied to an insurance payment rate.

Preferably, the product information registration process is provided by the classification process and registration in the category of the goods by the characteristic of the server, the insurance product providing / management method using a merchant terminal, characterized in that the process consisting of registering the product information is provided. .

Preferably, the accident reception process includes the steps of transmitting the code information unique to the article; Provided is a insurance product providing / management method using an affiliated store terminal, further comprising a process of extracting product information and customer information through the corresponding information.

Preferably, the insurance product providing / management method using a merchant terminal further comprising the step of the buyer to the insurance insurance subscription for a particular item separately from the seller.

Preferably, the process of generating the accident signal is provided by the insurance product providing / management method using an affiliated store terminal, characterized in that performed through the input and transmission of the guaranteed insurance unique code included in the barcode of the article.

Preferably, the payment of the product insurance premium is provided to the insurance product providing / management method using the merchant terminal, characterized in that any one of the merchant owner, seller, buyer, manufacturer.

Preferably, when a customer purchases a security insurance for a particular item regardless of the merchant owner, customer payment information, product information, and customer credit card information should be registered. A method is provided.

On the other hand, the present invention is to enter the payment button for payment of goods and donated security insurance code for the corresponding goods, and to enter the card information for crediting the goods and insurance premiums, insurance subscription information and purchase of goods An affiliated store terminal including a display unit configured to display information on a screen and having a communication module for transmitting corresponding data to a remote server; A purchaser terminal having a communication module mounted therein for accessing a remote server to generate a desired insurance coverage request signal, inputting product information to a remote server, and receiving a specific insurance code from the server; The insurance company server registers the insurance insurance for the buyer's goods by receiving the insurance insurance subscription signal and the product information generated through the affiliated store terminal, and calculates and processes the insurance payment rate according to the period and the goods classification category. Wow; A card company server for receiving credit payment information and insurance premium payment information generated through the merchant terminal and performing credit settlement processing; Provide insurance products for receiving insurance insurance subscription signals and corresponding goods information from a plurality of buyer terminals and extracting and transmitting the insurance insurance unique code to the buyer terminal to pay premiums through the input of a unique code of the merchant terminal. Provided is an insurance product providing management system using an affiliated store terminal, which comprises a management server.

On the other hand, the present invention is the process of inputting the desired insurance coverage subscription signal through the subscriber terminal; Inputting corresponding item information; Generating a unique insurance code and providing it to a corresponding subscriber terminal; Inputting an insurance code into the merchant terminal; Paying the premium; A process of receiving an accident occurrence signal; Transmitting an accident occurrence signal to an insurance company server; Provided is a method of providing / managing insurance products using a merchant terminal, which comprises a process of paying insurance by applying rates according to the period of use and classification of the goods.

Preferably, when the insurance code is entered into the merchant terminal, the insurance product using the merchant terminal further comprises the step of automatically generating the premium according to the input information and the warranty period to send to the merchant terminal; Provided / managed methods are provided.

Preferably, the process of transmitting the vehicle number and card information in the case of car insurance; Querying the premium information according to the vehicle type and the purchaser's accident according to the vehicle number and card information; Provided is an insurance product providing / management method using an affiliated store terminal, which further includes a process of automatically calculating a corresponding vehicle insurance premium.

On the other hand, the present invention is to input the payment button for payment of goods and the divided insurance providing signal provided in exchange for the purchase of the goods, and to input the corresponding card information, the insurance subscription information and the goods purchase information is displayed on the screen An affiliated store terminal having a display unit and a built-in communication module for transmitting corresponding data to a remote server; A purchaser terminal equipped with a communication module therein for accessing a remote server to check whether the insurance is in real time; An insurance company server that registers the divided insurance for the corresponding buyer by receiving the divided insurance subscription signal generated through the affiliated store terminal; A card company server for receiving credit payment information and partial premium payment information generated through the merchant terminal and performing credit settlement processing; After receiving the subscription signal for the split insurance from a plurality of merchant terminals, the split insurance payment processing is performed, and when the split insurance subscription information is transmitted during card payment, a control signal is generated to the insurer server to process the buyer information as the insurer subscriber information. An insurance product providing management system using an affiliated store terminal, comprising an insurance product providing / management server, is provided.

Preferably, the divided insurance is an insurance product providing management system using an affiliated store terminal, characterized in that the insurance to apply only a specific contract item of the whole insurance, or a specific period of less than one year as the insurance period.

On the other hand, the present invention is a process for the merchant to apply for subscription to the split insurance; Paying the partial insurance amount; The purchaser purchases the goods; Selecting a merchant to designate a particular purchaser as a partial insurance subscriber; Transmitting the buyer information; An insurance product providing / management method using a merchant terminal, which comprises a process of registering a corresponding purchaser as a divided insurance subscriber, is provided.

Preferably, an affiliated store owner provides an insurance product providing / management method using an affiliated store terminal, which may preset a predetermined amount as a divided premium for a single buyer.

Preferably, when the divided insurance type is car insurance, there is provided a method for providing / managing insurance products using a merchant terminal, wherein the purchaser's car insurance is free of charge for a predetermined period of time when the buyer's car insurance expires.

Preferably, in the case where the split insurance type is auto insurance, the merchant owner provides the split insurance with different insurance limits according to the premium of the buyer's car and the accident rate of the buyer. / Management methods are provided.

Preferably, when a plurality of split insurance application is made using a single merchant terminal, it is possible to store the corresponding subscription information according to the selection of the merchant owner, and transmit the subscription information to the insurer server collectively for a certain time of the day. Provided is an insurance product providing / management method using a merchant terminal.

Meanwhile, the present invention provides various key operation buttons for the card loss insurance, a reader for inputting a plurality of cards, an output unit for outputting various types of information, and a merchant equipped with a communication module therein to enable data communication. A terminal; An insurance company server that performs subscription processing and accident processing for card loss insurance; Premium payment information of card loss insurance card company server for receiving credit from the merchant terminal processing; The insurance product receiving the card loss insurance subscription information and premium payment information inputted and transmitted from the merchant terminal and performing insurance registration processing, and transmitting the insurance subscription information and card payment information to the insurance company server and the card company server, respectively. Provided is an insurance product providing management system using an affiliated store terminal, characterized in that the provision / management server.

Preferably, the insurance product providing / management server receives a card loss accident signal from the subscriber through the subscriber terminal to provide to the insurance company server and the card company server, and calculate the card loss report time from the accident occurrence date for the difference Provided is an insurance product providing management system using a merchant terminal, which is programmed so that insurance benefits are differentially applied.

Preferably, the insurance product providing / management server insurance product providing / management system using a merchant terminal further comprises a data storage for storing insurance rate information and card payment information provided from the insurance company server and card company server This is provided.

On the other hand, the present invention is a process for generating a signal that the customer wants to join the card loss insurance; Sequentially entering the card of the customer through the affiliated store terminal; Registering the card information; Paying a premium for card loss insurance; Reporting a lost accident; Processing the lost accident report; An insurance product providing / management method using a merchant terminal, comprising a process of paying insurance premiums, is provided.

Preferably, the lost accident report processing step of confirming the accident processing date guaranteed by the card company of the lost card; Determining whether the accident date is other than that; Provided is a insurance product providing / management method using a merchant terminal, which comprises a process of applying a premium rate of a buyer.

On the other hand, the present invention is a subscriber terminal generating a desired signal for joining a car insurance applied to the joint insurance system, the subscriber to generate a selection signal for the payment of insurance benefits for even days and odd days of a plurality of insurance companies; A merchant terminal for generating a desired signal for joining a car insurance applied with a joint insurance system, inputting payment information for a corresponding insurance, and transmitting and processing the insurance information; An insurance company server that receives the insurance subscription signal jointly from the merchant terminal, receives payment for insurance money, and transmits and receives various accident data, payment data, and insurance subscription data so as to perform accident handling on an accident day when a corresponding subscriber occurs; Receives insurance subscription signal from the merchant terminal, receives payment for insurance claims, receives insurance signal from the corresponding subscriber terminal, extracts insurance company information that is obliged to pay insurance on the accident date, and receives incident insurance data from the insurance company server. There is provided an insurance product providing management system using an affiliated store terminal, characterized in that the insurance product providing / management server to transmit the insurance processing is made.

On the other hand, the present invention is the process of generating a subscription signal to the customer / even day linked car insurance company; Providing insurance acceptance information of the customer to each insurance company server; Determining the insurance company's obligation to pay even and odd insurance benefits; The customer makes a payment for the premium; A process of generating an accident signal from a customer; Determining which insurer is required to pay a claim on the day of the accident; Transmitting accident information to the insurance company server; There is provided an insurance product providing / management method using an affiliated terminal, wherein the insurance company performs an accident treatment and a premium rate is applied to the premium of the corresponding customer.

Preferably, the process of determining the even and odd days insurance payment obligations of the corresponding insurer is randomly provided to the even and odd days corresponding to each insurance company or the customer provides insurance products using the merchant terminal A method is provided.

Preferably, the premium rate application for the accident occurrence customer is provided with the insurance product providing / management method using the merchant terminal, characterized in that only the insurance company paid the insurance premiums.

EMBODIMENT OF THE INVENTION Hereinafter, 1st Embodiment of this invention is described in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a first embodiment of the present invention.

Referring to this, the insurance product providing management system using the merchant terminal according to the first embodiment of the present invention allows the subscriber or the merchant owner to subscribe to the insurance insurance of the corresponding goods in real time when purchasing the goods using the terminals provided in the plurality of merchants. Insure and manage them. To this end, the terminals A1 to An provided in the affiliated stores are capable of multi-payment, and the multi-payment, in particular, the subscription of insurance products and the payment of goods using various cards, and the information of the terminals A1 to An It is possible to check in real time through the display unit.

In addition, the terminals A1 to An may be connected in real time to an insurance product providing / management server (SGPMS) that transmits and manages customer data on insurance products and data on various insurance products immediately according to the selection of the merchant owner. One shortcut button is formed.

In detail, the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention provides a guaranteed insurance so that the merchant owner can purchase a guaranteed insurance after purchasing the product for the goods sold by the affiliated store, and the guarantee thereof. Consumer's personal information and contract period information related to insurance, classification processing, insurance calculation processing, and payment processing of relevant goods are managed so that a certain amount of insurance money can be paid for the price of the goods after the consumer purchases the goods.

In this case, the affiliated store includes a distributor and a manufacturer, and the distributor includes a plurality of distributors such as a department store, a large discount store, and a specific credit card affiliated store. In addition, a variety of financial companies, such as banks, insurance companies, credit deposits may be included.

The insurance product providing / management server (SGPMS) is connected to a plurality of merchant terminals A1 to An and performs insurance subscription processing according to the insurance subscription signal for insurance product subscription selected by the merchant owner through corresponding merchant terminals A1 to An. At this time, the card information input by the subscriber for the purchase of the goods is received and transmitted to the card company servers CS1 to CSn to perform the payment processing, and the insurance information processing of the insured is performed by the card information of the subscriber. At the same time, the insurance subscription information is transmitted to the insurance company servers SS1 to SSn so that the final insurance subscription process can be performed.

Therefore, if the subscriber wants to purchase insurance products from a certain insurance company or if the merchant owner wants to provide a specific insurance product to the buyer in exchange for the purchase price of the goods, the insurance is promptly purchased at the same time as the card payment. It is very convenient.

The insurance product information between the insurance product providing / management server (SGPMS) and the insurance company is shared, respectively, and may be agreed in advance to provide the insurance product to the merchant at the insurance product providing / management server (SGPMS), and the subscription processing and payment thereof. Overall management of the process becomes possible.

That is, after purchasing the goods provided by the insurance product providing / management server (SGPMS), the guaranteed insurance is preceded by the classification process for the various items sold in the merchant. The categories are classified and registered according to whether the goods are luxury goods, daily necessities, or consumer goods. In addition, the products classified according to the category, when the buyer purchases the goods and the damage of the goods due to various accidents, the insurance premium payment rate of the corresponding product is applied to different insurance payment rates for each classification product.

In the case of luxury goods, the guarantee insurance after purchase of the article according to the present invention applies a larger depreciation cost to the insurance payment rate than the general necessities, and also applies a larger depreciation rate in the case of consumer products as well as general necessities. For example, high-end handbags and the like are subject to larger depreciation rates (eg, 40% depreciation) compared to household appliances (eg, 20% depreciation), resulting in the calculation of benefits paid out of guaranteed insurance.

In addition, the calculation for the insurance after the purchase of the goods processed in the insurance product providing / management server (SGPMS) is calculated by applying the period of use of the goods. In other words, the insurance after the purchase of the item is applied to the category and the period of use. Therefore, in the insurance product providing / management server SGPMS, a classification of the corresponding goods and a rate to which the period of use according to the classification are applied are built in the database.

For example, if you have a high-end handbag (depreciation-(product price x 0.4)) and the term of use is two months (e.g.-(product price x 0.2)), you will receive a 60% reduction in the total price of the handbag. You will be paid. In addition, the guaranteed insurance after the purchase of goods may be a conditional insurance that requires the purchase of goods at the merchant that originally purchased the goods.

Preferably, the guarantee insurance after purchase of the article is a period-linked product and a product classification rate linked product, and the linked period is different depending on the type of each product, and the information on this may be recognized by the buyer as well as the merchant. It is provided from the insurance product provision / management server SGPMS to the merchant terminal A1 to An or the purchaser's terminal B1 to Bn.

In addition, the purchaser terminal (B1 ~ Bn) can remotely access the insurance product providing / management server (SGPMS) to check whether the insurance insurance subscription after purchase of the product for real-time, and check the corresponding insurance information It is also possible to calculate the expected benefits in real time.

On the other hand, the insurance product providing / management server (SGPMS) is a first database (DB1) for storing the personal information of the buyer who subscribed to the insurance product through the merchant terminal (A1 ~ An), and the buyer associated with the buyer personal information The second database DB2 is constructed in which the product information insured is stored.

In addition, when the merchant terminal A1 to An selects a button for payment of goods and a insurance insurance subscription button for the goods and pays a credit card, the goods information and insurance subscription information are provided to the insurance product providing / management server. An algorithm is registered to the affiliated store terminals A1 to An and the insurance product providing / management server SGPMS to be automatically registered in the SGPMS and automatically sent to the insurance company servers SS1 to SSn and the card company servers CS1 to CSn. It is built in. In addition, a communication module is mounted inside the affiliated store terminals A1 to An to enable data communication, and a display screen for outputting a reduced web browser is provided.

Meanwhile, the affiliated store terminals A1 to An may input personal information of the corresponding customer by inputting the resident registration number of the customer, and the resident registration number may replace the signature. When registered with the SGUMS, such as a product security insurance, it is preferable that the resident registration number, customer information, card information, and product information are stored in association with each other. In the following embodiment, the customer or buyer information and the insurance information are matched with the resident registration number, and the database of the insurance product providing / management server (SGPMS) is accessed through the affiliated store terminals A1 to An or subscriber terminals B1 to Bn. can do.

In this way, the purchase information of the buyer and the insurance insurance subscription information for the article is shared by the insurance product providing / management server (SGPMS) and the insurance company.

2A is a diagram illustrating an article barcode including insurance information of an insurance product providing management system using an affiliated store terminal according to the first embodiment of the present invention.

Referring to this, the insurance product providing management system using an affiliated store terminal according to the first embodiment of the present invention publishes information on whether or not to purchase insurance insurance on each product sold in the affiliated store, as well as the seller and the buyer. To be recognizable, the article barcode shown in FIG. 2A will include insurance information therein.

For example, if A, B, and C of the barcodes illustrated in FIG. 2A are bar codes indicating product information, D represents code information for confirming whether or not the corresponding product is insured and the scope of the insurance.

Accordingly, the buyer can access the insurance product providing / management server (SGPMS) through the purchaser terminals B1 to Bn and input the corresponding code so that the insurance insurance information for the corresponding product can be displayed on the screen in real time.

FIG. 2B is a diagram illustrating a receipt including insurance information of an insurance product providing management system using an affiliated store terminal according to the first embodiment of the present invention.

Referring to this, the insurance product providing management system using the merchant terminal according to the first embodiment of the present invention posts the information on whether the insurance insurance subscription on the receipt of each product sold in the merchant, the buyer as well as the seller In order to be able to recognize the information, the article receipt shown in FIG. 2B will include insurance insurance information therein.

For example, the receipt 2 illustrated in FIG. 2B includes information on merchants 6 selling the goods, card information (4; optional) of the corresponding buyer, payment amount information (8), and information on whether to purchase insurance. (10), product code information 12 is output.

Therefore, the seller and the buyer can check in real time whether or not the goods are insured insurance, the merchant information (6), the buyer's card information (4), payment amount information (8) and insurance coverage Information about whether or not (10), product code information 12 is the insurance product providing / management server (SGPMS) and insurers can be shared respectively.

The function and operation of the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

3 is a flowchart illustrating a signal flow of the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention.

First, the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention operates the affiliated store terminals A1 to An in the hope that the seller subscribes to the product security insurance through the affiliated store terminals A1 to An. By generating a desired signal for insurance.

The insurance subscription request signal and product information are provided from the affiliated store terminals A1 to An, and the insurance product providing / management server SGPMS receives the corresponding goods information, classifies the corresponding goods, stores them in the goods group data, and Provided to the insurance company servers SS1 to SSn.

Then, the insurance company server (SS1 ~ SSn) registers the information about the article, and provides the rate information for the article to the insurance product providing / management server (SGPMS). Subsequently, the insurance product providing / management server (SGPMS) registers the rate information in a database, and provides the rate information to the affiliated store terminals A1 to An so that the seller recognizes it. In this case, the calculation of the insurance premium rate may be performed independently by the insurance product providing / management server (SGPMS) to notify the insurance company.

When the seller confirms the rate information on the goods insurance provided to the merchant terminals A1 to An and wishes to join the insurance, the seller selects the insurance purchase button provided on the merchant terminals A1 to An. And read your credit card information.

Then, the insurance wish signal and credit card information are transmitted to the insurance product providing / management server (SGPMS), and the insurance product providing / management server (SGPMS) registers the information in a database. At the same time, the insurance product providing / management server SGPMS provides the insurance subscription information to the insurance company servers SS1 to SSn and the card payment information to the card company servers CS1 to CSn.

At this time, when a particular buyer purchases the corresponding product, the buyer's card information and the product purchase history are transmitted to the insurance product providing / management server (SGPMS) via the merchant terminals A1 to An, thereby providing / managing the insurance product. The server (SGPMS) performs insurance insurance on the buyer's goods in association with the buyer's information. At the same time, the buyer information and the article information are transmitted to the insurance company servers SS1 to SSn. This completes the insurance start registration of the article.

Subsequently, when a buyer needs to purchase a new item because the item is damaged while using the item, the buyer can be paid for the item, wherein the buyer can send the mobile terminal and the insurance product providing / management server (SGPMS). In addition, through the ARS using the buyer's computer terminal and landline telephone, the claim for compensation is received. At this time, the buyer enters a unique insurance code included in the bar code information of the article to report the compensation.

Then, the insurance product providing / management server (SGPMS) performs the report acceptance processing according to the compensation report information, the insurance code entered by the buyer to the insurance company server (SS1 ~ SSn) to pay the benefits for the goods Send the request signal.

Accordingly, the insurance company server (SS1 ~ SSn) pays the insurance premiums by applying the post-sale period for the goods and the rate according to the classification of the goods. At this time, the rate calculation according to the period of use and the classification of the article may be delegated by the insurance product providing / management server (SGPMS) for the agency. In addition, different rates are applied according to whether the goods are necessities, luxury goods or consumer goods, and the rates are applied in accordance with the period of use after sale. Therefore, the general insurance money is smaller than the sales amount, and the difference should be borne by the buyer due to the buyer's circumference.

Preferably, a rate is applied to the insurance money paid from the insurance company server (SS1 to SSn) can be insured by the insurance company and the merchant divided by the appropriate ratio. This is because, in this case, it is preferable that the franchise owner perform the investigation of the authenticity of the accident information at the front end of the insurance payment. In order to prevent false reporting of accident information, merchants are required to pay a certain amount of insurance under the condition that they purchase the same or other items from the merchant. A portion of the benefit is part or all of the margin earned on sale of the goods.

Therefore, it is desirable to confirm the accident report in this way, and it is desirable that the confirmation process be carried out under the initiative of the franchisee.

Using the management method shown in Fig. 3, the merchant owner or seller can purchase insurance and provide it to the buyer as an event for a specific item sold at the seller.

4 is a flowchart showing another signal flow of the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention.

First, the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention may select a specific product through the affiliated store terminals A1 to An to allow the buyer to make a credit payment. You can buy insurance coverage for your covered items.

That is, through the affiliated store terminal (A1 ~ An), the buyer can generate a guarantee insurance subscription request signal for the article. At this time, the buyer generates the corresponding goods information and the card information for payment through the merchant terminals A1 to An, and the merchant terminals A1 to An are the payment information for the purchase price of the information. The card company servers CS1 to CSn may be transmitted, and the product information, premium payment information, and card information may be separately transmitted to the insurance product providing / management server SGPMS.

Then, the insurance product providing / management server (SGPMS) registers the card information of the customer as personal information of the insured, and provides the personal information, article information, and premium payment information to the insurance company servers SS1 to SSn. Done. This completes the insurance start registration of the article.

Subsequently, when a buyer needs to purchase a new item because the item is damaged while using the item, the buyer can be paid for the item, wherein the buyer can send the mobile terminal and the insurance product providing / management server (SGPMS). In addition, through the ARS using the buyer's computer terminal and landline telephone, the claim for compensation is received. At this time, the buyer can receive the accident report by transmitting the credit card information of the buyer to the insurance product providing / management server (SGPMS) through the merchant terminal (A1 ~ An).

Then, the insurance product providing / management server (SGPMS) performs the report acceptance processing according to the compensation report information, the insurance code entered by the buyer to the insurance company server (SS1 ~ SSn) to pay the benefits for the goods Send the request signal.

Then, the insurance product providing / management server (SGPMS) checks the customer information on the insurance accident signal to determine which merchant purchased the goods, and makes a request for confirmation of damage to the merchant. To this end, the franchisee should check the authenticity of the accident information at the front of the insurance claim, and the franchisee shall bear a certain amount of the insurance under the condition that it purchases the same thing or another item at the merchant in order to prevent false reporting of the accident information. Do it. Since some of the benefits are part or all of the margin earned on the sale of the goods, the merchants know the exact cause of the accident, but they do not lose money due to the sale of the goods.

Accordingly, the insurance company server (SS1 ~ SSn) pays the insurance premiums by applying the post-sale period for the goods and the rate according to the classification of the goods. At this time, the rate calculation according to the period of use and the classification of the article may be delegated by the insurance product providing / management server (SGPMS) for the agency. In addition, different insurance rates are applied depending on whether the goods are necessities, luxury goods, or consumer goods. Therefore, the general insurance money is smaller than the sales amount, and the difference should be borne by the buyer due to the buyer's circumference.

4, the insurance premium of the goods purchased by the customer is paid for the signal flow shown in FIG. 4, and insurance for this is performed through the merchant terminals A1 to An, and the accident reception and personal information input thereof are performed by the merchant terminal A1. It is very easy to use because it can be performed very quickly and accurately in real time through ～ An).

Meanwhile, the insurance product providing management system using the affiliated store terminal according to the first embodiment of the present invention may be applied to used goods, and the manufacturer may pay a premium for the goods security insurance. In this case, the manufacturer may provide the product information sold at the affiliated store to the manufacturer or by providing the product through the insurance product providing / management server (SGPMS) so that the manufacturer may pay the insurance premium for the product.

In addition, when the affiliated store is a gas station, it is possible to provide vacation insurance, etc. to the corresponding buyer at the time of refueling. In this case, payment information and a customer card using the affiliated store terminals A1 to An provided at the corresponding gas station are also provided. Information and affiliated store information may be transmitted to the insurance product providing / management server (SGPMS) to perform insurance subscription processing.

EMBODIMENT OF THE INVENTION Hereinafter, the 2nd Example of this invention is described in detail with reference to drawings.

5 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a second embodiment of the present invention.

Referring to this, the insurance product providing management system using the merchant terminal according to the second embodiment of the present invention is a mobile terminal (M1 ~ Mn) or computer terminal (B1 ~ Bn), wired telephone terminal before the buyer purchases goods at the merchant Through the ARS through T1 to Tn, the insurance product can be connected to the provision / management server SGPMS, and the insurance payment can be made through the merchant terminals A1 to An.

Therefore, the insurance product providing management system using the affiliated store terminal illustrated in the second embodiment of the present invention is not limited to only the product insurance. Accordingly, the insurance product providing / management server (SGPMS) registers information such as various insurance products such as injury, automobile insurance, fire insurance, seasonal insurance products, travel insurance, cancer insurance, and the like for online sales.

The purchaser remotely accesses the insurance product providing / management server (SGPMS) using various mobile terminals (M1 to Mn), computer terminals (B1 to Bn), and wired telephone terminals (T1 to Tn) to provide various insurance information. Can be received, and selective subscription processing can be performed. At this time, in order to complete the subscription processing of the selected insurance, payment processing must be performed. In consideration of various security issues, the buyer pays the insurance premium through the merchant terminals A1 to An when purchasing the goods without wired or wireless web. can do.

To this end, the insurance product providing / management server (SGPMS) to automatically issue a unique insurance subscription temporary code for each buyer to the buyer at the same time with the buyer's insurance subscription application, the buyer through the merchant terminal (A1 ~ An) If the user operates the insurance subscription button shown in the merchant terminals A1 to An and enters the corresponding unique code at the time of payment of other goods, the insurance information and premiums that the buyer wants to subscribe to are displayed on the screen, and payment is possible.

6 is a data diagram illustrating a signal processing state of an insurance product providing management system using an affiliated store terminal according to a second embodiment of the present invention.

Referring to this, in the insurance product providing / management system using the merchant terminal according to the second embodiment of the present invention, various online insurance information is transmitted from an insurance company server (SS) linked to the insurance product providing / management server (SGPMS). The insurance product providing / management server (SGPMS) will be registered. At this time, the insurance information is registered in the insurance product providing / management server (SGPMS) so as to differentiate the insurance information by each insurance, age, gender, and occupation, and the buyer accesses the insurance product providing / management server (SGPMS) in real time to obtain a premium. It can also be calculated.

Subsequently, the purchaser remotely accesses the insurance product providing / management server (SGPMS) using various terminals, and receives insurance product information registered in the insurance product providing / management server (SGPMS), among the insurance information. Any one or more insurance buyers selectively use the purchaser terminal to generate a desired signal for subscription.

Then, according to the insurance subscription signal of the corresponding buyer, the insurance product providing / management server SGPMS transmits the insurance product and the unique insurance code corresponding to the buyer to the purchaser terminal.

After that, the buyer can visit the merchant to purchase the goods and pay the premium through the corresponding merchant terminals A1 to An. In the payment of the premium, the purchaser inputs a unique insurance code given to the buyer in advance and the card (CD) ) Can be read to the merchant terminals A1 to An to perform payment processing.

Then, the affiliated store terminals A1 to An transmit the card information and the unique code of the corresponding buyer. Preferably, if a unique insurance code is entered in the affiliated store terminals A1 to An before card information is input, after confirming the buyer information according to the insurance code in the insurance product providing / management server (SGPMS), the premium is calculated to calculate the premium. Insurance premiums can be automatically entered into the terminals A1 to An.

The purchaser can pay the premium automatically entered into the merchant terminals A1 to An using a card CD.

The card information entered by the purchaser through the affiliated store terminals A1 to An is transmitted to the insurance company server SS and the card company server CS through the insurance product providing / management server SGPMS. Before the transfer to the insurance company server (SS) is transferred to the card company server (CS) to perform a credit payment, the payment details can be transferred from the card company server (CS) to the insurance company server (SS), the insurance product provided It can also be transmitted to the insurer's server (SSP) via the / SGPMS.

At the same time, the insurance product providing / management server (SGPMS) transmits the insurance information together with the purchaser information to the insurance company server (SS) along with the insurance code. Subsequently, the insurance company server SS completes insurance purchase processing of the corresponding buyer and transmits the subscription processing information to the insurance product providing / management server SGPMS.

Then, the insurance product providing / management server (SGPMS) transmits the insurance subscription processing information to the various terminals of the buyer so that the buyer can recognize it.

The function and operation of the insurance product providing management system using the affiliated store terminal according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

7 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to a second embodiment of the present invention.

The signal flow shown in FIG. 7 is a signal flow for performing automobile insurance subscription processing through the affiliated store terminals A1 to An and the insurance product providing / management server SGPMS. First, the insurance company servers SS1 to SSn. The car insurance information transmission to the insurance product providing / management server (SGPMS). In this case, a plurality of insurers register the car insurance information to the insurance product providing / management server (SGPMS), the insurance information, the applied rate, the calculated insurance information is different.

At the same time, the insurance premium calculation algorithm built in the insurance company servers SS1 to SSn is built in the insurance product providing / management server SGPMS, so that the buyer accesses the insurance product providing / management server SGPMS in real time and owns the buyer. You can also calculate the premium in real time by entering the car information.

Subsequently, the insurance product providing / management server SGPMS registers the corresponding vehicle insurance information in the affiliated store terminals A1 to An or transmits the insurance information to the purchaser's terminal.

At this time, when the purchaser enters vehicle number information through the affiliated store terminals A1 to An or the purchaser terminal, the input information is registered and registered in the insurance product providing / management server SGPMS, and the insurance company server SS1 to SSn).

The insurance company server SS1 to SSn extracts a grade of a vehicle owned by the buyer, an accident history of the owner, and an applicable rate through a search for the vehicle number, and calculates an automobile insurance premium in real time.

The insurance company servers SS1 to SSn transmit the corresponding information to the affiliated store terminals A1 to An or purchaser terminals through the insurance product providing / management server SGPMS. The premium information is checked and the purchaser sends a subscription intention to the insurance product providing / management server (SGPMS) through the affiliated store terminals A1 to An or the purchaser terminal.

Then, the insurance product providing / management server SGPMS provides the insurance code to the affiliated store terminals A1 to An or the purchaser terminal. In this case, the merchant terminals A1 to An may provide insurance information instead of insurance codes to be automatically input for payment, and provide the insurance codes to the purchaser terminals.

When the buyer receives the insurance code to the terminal, if the visitor visits the merchant provided with the merchant terminals A1 to An and inputs the corresponding code, the merchant terminal (SGPMS) in the insurance product providing / management server (SGPMS) as described above. A1 to An) allow premiums to be automatically entered.

Therefore, when the purchaser enters the card information into the merchant terminals A1 to An, the payment information is authorized to the insurance product providing / management server (SGPMS) and registered with the insurance code information, and the payment information is stored in the insurance company. The transfer is made to the servers SS1 to SSn and simultaneously provided to the card company servers CS1 to CSn for payment. Preferably, prepayment should be made when paying customers for auto insurance. Prepayment refers to a method of making a payment in advance so that cancellation of payment is not possible at the customer's choice after a certain waiting time.

In the case of subscribing to automobile insurance through the above payment method, when the payment is canceled at the request of the customer, the customer may receive a refund of the remaining amount after deducting a certain fee as the payment cancellation fee.

When the payment is completed, the insurance product providing / management server SGPMS transmits the payment completion information to the insurance company servers SS1 to SSn, and the insurance company servers SS1 to SSn transmit the insurance completion information of the buyer. Send to the insurance product providing / management server (SGPMS).

Then, the insurance product providing / management server (SGPMS) provides insurance completeness processing information to the merchant terminal (A1 ~ An) side so that the buyer can recognize this.

Hereinafter, a third embodiment of the present invention will be described in detail with reference to the drawings.

8 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention.

Referring to this, the insurance product providing / management system using the merchant terminal according to the third embodiment of the present invention allows the seller or the merchant owner to provide the divided insurance in exchange for the purchase of the buyer's goods, and performs the insurance provision process.

The split insurance exemplified in the present invention refers to a term limited insurance or an insurance that selects and provides only a specific contract item when a plurality of contract items are included in a single insurance. The management server (SGPMS), and the application and premium payment is processed by the merchant owner or seller.

For example, in the case of automobile insurance, insurance items for the own vehicle or the offspring included in the comprehensive insurance may be selectively provided. Many insurance items for the car or offspring are not insured, so it is provided for a certain period in return for the purchase of the merchandise. In addition, in the case of a buyer who has a comprehensive insurance of all items, the relevant insurance period can be extended, and the payment of the insurance money is also handled by the seller or the merchant.

Therefore, the purchaser can select this through the merchant terminals A1 to An. If a specific amount is set in advance in the insurance product providing / management server (SGPMS) and the vehicle information of the corresponding buyer is inputted, It is preferable to allow the buyer to recognize the insurance period through the merchant terminals A1 to An.

In addition, the split insurance may also include accident insurance or cancer insurance, it may be possible to purchase accident insurance only in certain seasons (eg, winter). In addition, by using the merchant terminals A1 to An, the vehicle information input by the purchaser is divided by the grade in the insurance product providing / management server SGPMS, thereby making the insurance period extension width different.

For example, when the vehicle information input by the purchaser through the affiliated store terminals A1 to An is 1500 CC vehicles, split insurance may be provided in which the insurance period is twice as long as that of the 3000 CC vehicles. In addition, when the purchaser enters the vehicle information in a state in which the merchant owner or the seller sets a predetermined amount in advance in the insurance product providing / management server (SGPMS), the insurance term is automatically calculated to be within the set amount. It is provided from the insurance product providing / management server (SGPMS) to the affiliated store terminals A1 to An so that buyers and sellers can recognize it.

Preferably, the partial insurance provided by the merchant owner or seller in exchange for the purchase of the goods of the buyer is transmitted to the insurance product providing / management server (SGPMS) through the merchant terminals A1 to An at a predetermined time of the day. Insurance can be processed.

In this case, when the corresponding purchaser personal information and vehicle information are input to the affiliated store terminals A1 to An, when the corresponding data is accumulated in a predetermined amount or more, the insurance product providing / management server (SGPMS) is collectively transmitted. The purchaser can check the insurance product in real time by remotely accessing the insurance product providing / management server (SGPMS) through a computer terminal.

The function and operation of the insurance product providing management system using the affiliated store terminal according to the third embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

9 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention.

First, the insurance product providing management system using an affiliated store terminal according to the third embodiment of the present invention may provide a period-linked or price-linked split insurance for a plurality of insurance products in exchange for a purchaser's purchase of goods by a merchant or seller. If the merchant owner sets the price or period for the divided lottery ticket in advance in the insurance product providing / management server (SGPMS), when the buyer purchases the goods and presents the card as payment for the merchant, the merchant gives the merchant The terminals A1 to An are operated to select the payment for the purchase of goods and the pre-registered partial insurance.

Then, the purchaser's card information and the divided insurance subscription signal for the purchase of the goods are transmitted and registered to the insurance product providing / management server SGPMS, and the insurance product providing / management server SGPMS is a corresponding card company server CS1 to CSn) transmits the payment amount information and the insurance subscription information to process the credit payment.

The card company servers CS1 to CSn complete the credit settlement process and transmit the personal information of the corresponding customer for the insurance to the insurance product providing / management server SGPMS. Then, the insurance product providing / management server SGPMS transmits the corresponding customer information and the divided insurance subscription information to the insurance company servers SS1 to SSn to perform insurance subscription processing.

When insurance subscription processing is performed through the insurance company servers SS1 to SSn, the insurance company servers SS1 to SSn provide premium information to the insurance product providing / management server SGPMS. Subsequently, the insurance product providing / management server SGPMS provides the premium information to the affiliated store terminals A1 to An.

Accordingly, when the merchant owner or the seller makes a payment through the merchant terminals A1 to An, the insurance product providing / management server SGPMS provides the payment information to the insurance company servers SS1 to SSn to divide the card. Complete insurance coverage.

Then, the insurance company server (SS1 ~ SSn) transmits the subscription confirmation information to the insurance product providing / management server (SGPMS), the card company server (CS1 ~ CSn) provides the confirmation information for the purchase of the insurance product providing / It is sent to the management server (SGPMS).

Accordingly, the insurance product providing / management server (SGPMS) provides insurance subscription information and goods purchase confirmation information to the affiliated store terminals A1 to An, and the affiliated store terminals A1 to An receive receipts of the corresponding information. Will print

10 is a diagram illustrating a signal processing state of an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention.

Referring to this, an insurance product providing management system using an affiliated store terminal according to a third embodiment of the present invention may perform a repurchase discount as an event independently of the affiliated store regardless of insurance. A merchant or seller may selectively designate a particular product, purchase the item, and if the item is damaged, repurchase a certain percentage of the price of the item as a repurchase assistance.

In this case, it is preferable to support the conditional repurchase fund that the repurchase must be performed at the affiliated store, all the items may be subject to the repurchase fund payment, and selectively the repurchase fund may be selected.

When the merchant owner selects the item to be repurchased, the selection information is transmitted to the insurance product providing / management server (SGPMS) through the merchant terminals A1 to An, so that the buyer can view it on the web through various terminals. Register to be processed.

In the insurance product providing / management server (SGPMS), as well as repurchase discount information, map information and sales article information of the corresponding affiliate store are output together.

Hereinafter, a fourth embodiment of the present invention will be described in detail with reference to the drawings.

11 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a fourth embodiment of the present invention.

Referring to this, the insurance product providing management system using the merchant terminal according to the fourth embodiment of the present invention includes merchant terminal A1 to An, the insurance product providing / management server SGPMS, and insurance company servers SS1 to SSn. In conjunction with each other, card loss insurance is provided for purchasers.

Therefore, in the insurance product providing / management system using the affiliated store terminal according to the fourth embodiment of the present invention, various key operation buttons for subscribing to a card loss insurance, a reader for inputting a plurality of cards, and an output for outputting various information are displayed. And merchant terminals A1 to An equipped with a communication module therein to enable data communication.

In addition, there is provided an insurance company server (SS1 ~ SSn) that performs the subscription processing and accident processing for card loss insurance, the card company server that receives credit payment information of the card loss insurance from the merchant terminal (A1 ~ An) credit processing ( CS1 to CSn).

On the other hand, the card loss insurance subscription information and premium payment information inputted and transmitted from the affiliated store terminals A1 to An are received, and insurance registration processing is performed, and the insurance company servers SS1 to SSn and card company servers CS1 to CSn. The insurance product providing / management server (SGPMS) for transmitting and processing the respective insurance subscription information and card payment information is provided.

The insurance product providing / management server SGPMS includes a data storage DB3 for storing insurance rate information and card payment information provided from the insurance company servers SS1 to SSn and the card company servers CS1 to CSn.

In addition, the insurance product providing / management server (SGPMS) receives the card loss accident signal from the subscriber terminal (100a ~ 100n) through the subscriber terminal and provides to the insurance company server (SS1 ~ SSn) and card company server (CS1 ~ CSn) In addition, the insurance product providing / management server (SGPMS) is programmed to calculate the time point of the card loss report from the date of occurrence of the accident and to apply the insurance premiums for the difference.

12 is a data diagram illustrating a data processing state of an insurance product providing management system using an affiliated store terminal according to a fourth embodiment of the present invention.

Referring to this, the subscriber 100 visits the affiliated store, checks the card loss insurance information on the insurance product providing / management server (SGPMS) through the affiliated store terminals A1 to An, and subscribes to enroll the card loss insurance. Generate the desired signal. At the same time, the subscriber 100 inputs a plurality of possession card information through the affiliated store terminals A1 to An to be registered in the insurance product providing / management server SGPMS.

Then, the insurance product providing / management server SGPMS transmits the personal information of the subscriber and the card information of the subscriber for the card loss insurance to the insurance company servers SS1 to SSn. Subsequently, the insurance company servers SS1 to SSn register card information of the customer.

Accordingly, when the subscriber 100 pays the premium through the merchant terminals A1 to An, the corresponding insurance payment information is provided to the card company servers CS1 to CSn through the insurance product providing / management server SGPMS. The credit is settled, and the credit settlement details are provided to the insurance company servers SS1 to SSn via the insurance product providing / management server SGPMS.

At this time, when the subscriber 100 reports the loss of the card to the insurance product providing / management server (SGPMS) through various terminals (M, T, B), the insurance product providing / management server (SGPMS) Incident processing is provided to the insurance company servers SS1 to SSn and the card company servers CS1 to CSn.

At the same time, the insurance product providing / management server SGPMS calculates the total accident amount by receiving information on whether the card is used after it is lost and its use amount through the card company servers CS1 to CSn. In this case, the insurance premiums to be incurred by the insurer correspond to amounts other than the filing date presented by the card company.

In other words, the buyer is not aware of the loss of the card, the card company is responsible for exceeding a certain period of time, the insurance company will bear the amount of illegal purchases with the card.

The function and operation of the insurance product providing management system using the affiliated store terminal according to the fourth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

13 is a flowchart illustrating a signal flow of an insurance product providing management system using an affiliated store terminal according to a fourth embodiment of the present invention.

First, the subscriber 100 receives the card loss insurance information from the insurance product providing / management server (SGPMS) through the affiliated store terminals A1 to An provided at the affiliate store to confirm.

Then, a subscription request signal for joining card loss insurance is generated through the merchant terminals A1 to An, and a plurality of possession card information is inputted through the merchant terminals A1 to An to provide / manage the insurance product. Send to server (SGPMS).

Subsequently, the insurance product providing / management server (SGPMS) registers authorized card information, subscriber information, card loss insurance desired information, and the insurance company server (SS1 to SSn) for the personal information and card loss insurance of the corresponding subscriber. Send the subscriber's card information. Subsequently, the insurance company servers SS1 to SSn register card information of the customer.

Accordingly, when the subscriber 100 pays the premium through the merchant terminals A1 to An, the corresponding insurance payment information is provided to the card company servers CS1 to CSn through the insurance product providing / management server SGPMS. The credit is settled, and the credit settlement details are provided to the insurance company servers SS1 to SSn via the insurance product providing / management server SGPMS.

At this time, when the subscriber 100 reports the loss of the card to the insurance product providing / management server (SGPMS) through various terminals (M, T, B), the insurance product providing / management server (SGPMS) receives the information. Incident processing is provided to the insurance company servers SS1 to SSn and the card company servers CS1 to CSn.

At the same time, the insurance product providing / management server SGPMS calculates the total accident amount by receiving information on whether the card is used after it is lost and its use amount through the card company servers CS1 to CSn. In this case, the insurance premiums to be incurred by the insurer correspond to amounts other than the filing date presented by the card company. In other words, the buyer is not aware of the loss of the card, the card company is responsible for exceeding a certain period of time, the insurer will be charged by applying the rate for the card payment made illegal purchase with the card.

Therefore, the insurance company server SS1 to SSn calculates the insurance payment rate and transmits the insurance payment rate to the insurance product providing / management server SGPMS, and pays the insurance money to the customer. Then, the insurance product providing / management server (SGPMS) to change the registered insurance rate of the customer.

Hereinafter, a fifth embodiment of the present invention will be described in detail with reference to the drawings.

14 is a schematic diagram showing a schematic configuration of an insurance product providing management system using an affiliated store terminal according to a fifth embodiment of the present invention.

Referring to this, the insurance product providing management system using the affiliated store terminal according to the fifth embodiment of the present invention allows a single insured to divide and join a single insurance product for at least two or more insurance companies.

In other words, an insurance product providing management system using a merchant terminal is provided to pay insurance premiums with a joint responsibility for a single insurance product subscribed to by a single insured. This can be done for all insurances, but especially for auto insurance, insurance companies should be designated in advance for even and odd days when the subscriber joins the insurance. In other words, the joint liability is not jointly paid, but if the accident occurs on even or odd days, the insurance company pays the insurance premiums, so the responsibility for the insurance is reduced to 6 months for the entire year. Will be. Preferably, each insurance company can determine the insurance payment situation in advance in case of an accident under various conditions through an agreement.

To this end, the present invention generates a desired signal for the subscription of the insurance (for example, automobile insurance) to which the joint insurance system is applied, the subscriber terminal (B) for generating a selection signal by the subscriber for payment of insurance benefits for even days and odd days of a plurality of insurance companies; , M).

Merchant terminals A1 to An for generating a desired signal for joining an insurance (for example, automobile insurance) to which the joint insurance system is applied, inputting payment information for the corresponding insurance, and transmitting and processing are provided.

In addition, various accident data, payment data, and insurance data are received by the merchant terminal A1 to An to jointly receive insurance subscription signals, receive payment for insurance money, and perform accident handling on the day of accident of the corresponding subscriber. Insurance company servers SS1 to SSn for transmitting and receiving are provided.

In addition, it receives the insurance subscription signal from the merchant terminal (A1 ~ An), receives the payment for the insurance, receiving the accident signal from the subscriber terminal (M. B) has a duty to pay the insurance for the accident date An insurance product providing / management server (SGPMS) which extracts insurance company information and transmits incident reception data to the corresponding insurance company servers SS1 to SSn to perform insurance processing is provided.

15 is a data diagram illustrating a data processing state of an insurance product providing management system using an affiliated store terminal according to a fifth embodiment of the present invention.

Referring to this, the insurance product providing management system using the merchant terminal according to the fifth embodiment of the present invention, the subscriber 100 to the insurance product providing / management server (SGPMS) a signal for insurance subscription hope signal and accident information send.

Then, the insurance product providing / management server SGPMS selects an insurance company corresponding to even and odd days arbitrarily according to customer information and insurance input information (eg, vehicle information) included in the insurance subscription request signal. Of course, when a subscriber makes a choice of a plurality of insurance companies, the insurance product providing / management server (SGPMS) decides only the insurance companies who are liable for liability for even and odd days.

At this time, the subscriber may determine the insurer each of which is responsible for the liability of the odd and odd days. The information is then sent to each insurance company server SS1 to SSn for registration processing.

If the subscriber has an accident, the accident occurrence information is authorized to the insurance product providing / management server (SGPMS) through subscriber terminals (B, M), and the insurance product providing / management server (SGPMS) is the accident. The insurance company corresponding to the job is determined to transmit the accident information to the insurance company server (SS1 to SSn) to be paid.

In this case, if the insurance company needs to adjust the rate for the subscriber at the insurance company (for example, SS1), it is preferable to apply the premium premium only to the insurance company (for example, SS1) who paid the insurance.

The function and operation of the insurance product providing management system using the affiliated store terminal according to the fifth embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

16 is a flowchart illustrating a signal flow of the insurance product providing management system using the affiliated store terminal according to the fifth embodiment of the present invention.

First, when a customer generates a desired signal for joining insurance (for example, automobile insurance) using the merchant terminals A1 to An and inputs vehicle information and personal information of the customer, the information is provided / provided for the insurance product. It is sent to the management server (SGPMS) and registered.

At the same time, the insurance product providing / management server (SGPMS) provides the insurance acceptance information of the customer to each insurance company server (SS1, SS2), and determines the insurance company's obligation to pay even and odd days insurance. In this case, it is desirable to randomly match even and odd days to each insurance company, and the customer may select this.

Subsequently, when a customer makes a payment for a premium through the merchant terminals A1 to An, the card payment information is authorized to the insurance product providing / management server SGPMS. The insurance product providing / management server (SGPMS) transmits the payment information to each insurance company server (SS1, SS2) to register. Preferably, prepayment should be made when paying customers for auto insurance. Prepayment refers to a method of making a payment in advance so that cancellation of payment is not possible at the customer's choice after a certain waiting time.

In the case of subscribing to automobile insurance through the above payment method, when the payment is canceled at the request of the customer, the customer may receive a refund of the remaining amount after deducting a certain fee as the payment cancellation fee.

If an accident signal is received from the customer, the insurance product providing / management server (SGPMS) determines which insurance company is set to have the insurance payment obligation on the accident day, and sends the insurance product to the insurance company server (for example, SS1). Send incident information.

Then, the insurance company handles the accident and applies a premium rate to the premium of the customer. At this time, since the other insurance company (SS2) that the customer is insured in the same way did not pay the insurance, it is preferable that the insurance rate does not change.

On the other hand, the insurance product providing management system and method using the merchant terminal according to an embodiment of the present invention is not limited only to the above-described embodiment, various modifications can be made within the scope not departing from the technical gist.

As described above, the insurance product providing management system and method using the merchant terminal according to the present invention to provide the subscriber or merchant owner in real time to provide the insurance insurance of the corresponding goods when purchasing the goods using the terminals provided in the plurality of merchants After the purchase of the goods, the insurance insurance subscription information is included in the barcode information of the sale product, so that the consumer can recognize the correct product information. In addition, by using a terminal provided in a plurality of merchants, the purchaser or manufacturer can subscribe to the insurance of the corresponding goods in real time when purchasing the goods, and divided insurance for a certain period of time divided into various insurances for the purchase of goods at the merchant Can be provided as an event to the buyer to enhance the desire to purchase goods. In addition, it is possible to join the credit card loss guarantee insurance through the merchant terminal can reduce the risk of credit card loss and increase the insurance sales by selling insurance products therefor. On the other hand, it is possible to provide a convenient and reasonable insurance product by enabling the partial payment of insurance benefits according to the insurance payment agreement based on the accident occurrence date of multiple insurers for a single insured, and by applying the rates at the time of the accident differentially. It is effective.

Claims (32)

It operates the payment button for payment of goods and the insurance insurance subscription button for the goods, and inputs the card information for crediting the goods and the insurance premiums, and the display unit displays the insurance subscription information and the goods purchase information on the screen. An affiliated store terminal having a communication module for transmitting corresponding data to a remote server; A purchaser terminal having a web browser configured to access a remote server and to display a screen of whether to subscribe to the insurance coverage and insurance information when the goods are paid through the merchant terminal, and having a communication module installed therein; The insurance company server registers the insurance insurance for the buyer's goods by receiving the insurance insurance subscription signal and the product information generated through the affiliated store terminal, and calculates and processes the insurance payment rate according to the period and the goods classification category. Wow; A card company server for receiving credit payment information and insurance premium payment information generated through the merchant terminal and performing credit settlement processing; In connection with a plurality of merchant terminals, insurance processing is performed according to the insurance subscription signal for insurance product subscription selected by the merchant owner, and the card information inputted by the subscriber is transmitted to the card company server for payment processing. An insurance product providing management system using an affiliated store terminal, characterized in that the insurance product providing / management server to perform the insurance subscription processing of the insured by the card information of the subscriber. According to claim 1, The merchant terminal provides insurance products using the merchant terminal, characterized in that the screen information that can generate a subscription signal for the insurance after the purchase of goods on the outside is output by a separate unique shortcut key operation. Management system. The system of claim 1, wherein the insurance product providing / management server applies a classification according to a category and a total use period according to a price characteristic of an article. The system of claim 3, wherein the classification of the product category includes classification according to whether at least the corresponding product is a luxury item, a necessity item, or a consumer product. The system of claim 1, wherein the bar code information attached to the outer surface of each item in the affiliated store further includes subscription information for the item security insurance. Generating, by the merchant, a desired signal for the purchase of goods security insurance; Registering article information; Registering insurance payment rate information with respect to the article from an insurance company in a server; Providing premium information on the guaranteed insurance; Performing a settlement process for the premium; A process of generating an accident signal; Insurance product providing / management method using the merchant terminal, characterized in that the process consisting of providing the insurance premiums paid insurance premiums. The method of claim 6, wherein the registering of the goods information is performed by classifying and registering the goods according to the characteristics of the goods in the server and registering the goods information. . The method of claim 6, wherein the accident reception process comprises: transmitting code information unique to an article; Insurance product providing / management method using the merchant terminal further comprising the step of extracting the product information and customer information through the information. 7. The method of claim 6, further comprising the step of the purchaser to purchase the insurance coverage for a particular item separately from the seller. The method of claim 6, wherein the generating of the accident signal is performed by inputting and transmitting a unique insurance insurance unique code included in a barcode of the corresponding article. The method of claim 6, wherein the payment of the insurance premium is any one of a merchant owner, a seller, a buyer, and a manufacturer. The insurance product according to claim 6, wherein customer payment information, product information, and customer credit card information should be registered when a customer subscribes to the insurance for a particular item regardless of the merchant owner. Provide / Manage. Enter the payment button for the payment of goods and donated insurance insurance code for the goods, and enter the card information for crediting the goods and insurance premiums, and the insurance subscription information and goods purchase information is displayed on the screen. An affiliated store terminal having a display unit and a built-in communication module for transmitting corresponding data to a remote server; A purchaser terminal having a communication module mounted therein for accessing a remote server to generate a desired insurance coverage request signal, inputting product information to a remote server, and receiving a specific insurance code from the server; The insurance company server registers the insurance insurance for the buyer's goods by receiving the insurance insurance subscription signal and the product information generated through the affiliated store terminal, and calculates and processes the insurance payment rate according to the period and the goods classification category. Wow; A card company server for receiving credit payment information and insurance premium payment information generated through the merchant terminal and performing credit settlement processing; Provide insurance products for receiving insurance insurance subscription signals and corresponding goods information from a plurality of buyer terminals and extracting and transmitting the insurance insurance unique code to the buyer terminal to pay premiums through the input of a unique code of the merchant terminal. Insurance product providing management system using a merchant terminal, characterized in that consisting of a management server. Inputting a guaranteed insurance subscription wish signal through a subscriber terminal; Inputting corresponding item information; Generating a unique insurance code and providing it to a corresponding subscriber terminal; Inputting an insurance code into the merchant terminal; Paying the premium; A process of receiving an accident occurrence signal; Transmitting an accident occurrence signal to an insurance company server; Insurance product providing / management method using a merchant terminal characterized in that the process of paying the insurance premiums by applying the rates according to the period of use and classification of the goods. 15. The method of claim 14, If the insurance code is entered into the merchant terminal, Merchant terminal further comprises the step of automatically generating the premium according to the input information and the warranty period to send to the merchant terminal; How to provide / manage insurance products. 15. The method of claim 14, further comprising: transmitting the vehicle number and the card information in case of automobile insurance; Querying the premium information according to the vehicle type and the purchaser's accident according to the vehicle number and card information; Insurance product providing / management method using a merchant terminal further comprising the step of automatically calculating the corresponding car insurance premium. Enter the payment button for payment of goods and the divided insurance providing signal provided in exchange for the purchase of the goods, and to enter the corresponding card information, the display unit is provided to display the insurance subscription information and goods purchase information screen, Merchant terminal with a communication module for transmitting the data to the remote server; A purchaser terminal equipped with a communication module therein for accessing a remote server to check whether the insurance is in real time; An insurance company server that registers the divided insurance for the corresponding buyer by receiving the divided insurance subscription signal generated through the affiliated store terminal; A card company server for receiving credit payment information and partial premium payment information generated through the merchant terminal and performing credit settlement processing; After receiving the subscription signal for the split insurance from a plurality of merchant terminals, the split insurance payment processing is performed, and when the split insurance subscription information is transmitted during card payment, a control signal is generated to the insurer server to process the buyer information as the insurer subscriber information. Insurance product providing management system using the merchant terminal, characterized in that consisting of insurance product providing / management server. 18. The system of claim 17, wherein the divided insurance is insurance to apply only a specific contract item among all the insurances or to provide a specific period of less than one year as an insurance subscription period. A process for the merchant to apply for the partial insurance; Paying the partial insurance amount; The purchaser purchases the goods; Selecting a merchant to designate a particular purchaser as a partial insurance subscriber; Transmitting the buyer information; Insurance product providing / management method using a merchant terminal, characterized in that the process consisting of registering the buyer as a partial insurance subscriber. 20. The method of claim 19, wherein the affiliated store owner may set a predetermined amount as a divided premium for a single buyer in advance. The insurance product providing / management method according to claim 19, wherein when the divided insurance type is auto insurance, a free insurance subscription is provided to a specific auto insurance company for a predetermined period of time when the buyer's auto insurance expires. 20. The method of claim 19, wherein when the type of split insurance is auto insurance, the merchant owner provides split insurance with different insurance limits depending on the premium of the buyer's car and the accident rate of the buyer. How to provide / manage insurance products. 20. The method of claim 19, wherein when a plurality of divided insurances are received using a single merchant terminal, the subscription information is stored according to the selection of the merchants, and the subscription information is collectively transmitted to the insurance company server for a certain time of the day. Insurance product providing / management method using a merchant terminal characterized in that it can be. A merchant terminal equipped with various key operation buttons for card loss insurance, a reader for inputting a plurality of cards, an output unit for outputting various kinds of information, and a communication module therein to enable data communication; An insurance company server that performs subscription processing and accident processing for card loss insurance; Premium payment information of card loss insurance card company server for receiving credit from the merchant terminal processing; The insurance product receiving the card loss insurance subscription information and premium payment information inputted and transmitted from the merchant terminal and performing insurance registration processing, and transmitting the insurance subscription information and card payment information to the insurance company server and the card company server, respectively. Insurance product providing management system using an affiliated store terminal, characterized in that configured to provide / management server. 25. The method of claim 24, wherein the insurance product providing / management server receives a card loss accident signal from a subscriber through a subscriber terminal and provides it to the insurance company server and the card company server, and calculates the card loss report time from the date of occurrence of the accident. Insurance product providing management system using a merchant terminal, characterized in that the program is applied so that the benefits paid for the difference is differentially applied. 25. The insurance product providing method according to claim 24, wherein the insurance product providing / management server further includes a data storage unit for storing insurance rate information and card payment information provided from the insurance company server and the card company server. / Management system. Generating, by the customer, a desired signal for joining the card loss insurance; Sequentially entering the card of the customer through the affiliated store terminal; Registering the card information; Paying a premium for card loss insurance; Reporting a lost accident; Processing the lost accident report; Insurance product providing / management method using a merchant terminal, characterized in that the process of paying the benefits. 28. The method of claim 27, wherein the loss reporting process comprises: checking an accident processing date guaranteed by the card company of the lost card; Determining whether the accident date is other than that; Insurance product providing / management method using a merchant terminal, characterized in that the process consisting of applying the premium rate of the buyer. A subscriber station generating a desired signal for joining a car insurance applied with a joint insurance system, and generating a selection signal for a subscriber for payment of insurance benefits for even days and odd days among a plurality of insurance companies; A merchant terminal for generating a desired signal for joining a car insurance applied with a joint insurance system, inputting payment information for a corresponding insurance, and transmitting and processing the insurance information; An insurance company server that receives the insurance subscription signal jointly from the merchant terminal, receives payment for insurance money, and transmits and receives various accident data, payment data, and insurance subscription data so as to perform accident handling on an accident day when a corresponding subscriber occurs; Receives insurance subscription signal from the merchant terminal, receives payment for insurance claims, receives insurance signal from the corresponding subscriber terminal, extracts insurance company information that is obliged to pay insurance on the accident date, and receives incident insurance data from the insurance company server. Insurance product providing management system using an affiliated store terminal, characterized in that consisting of insurance product providing / management server to transmit the insurance processing. Generating a subscription signal to an even / odd linked car insurance company; Providing insurance acceptance information of the customer to each insurance company server; Determining the insurance company's obligation to pay even and odd insurance benefits; The customer makes a payment for the premium; A process of generating an accident signal from a customer; Determining which insurer is required to pay a claim on the day of the accident; Transmitting accident information to the insurance company server; Insurance product providing / management method using the merchant terminal, characterized in that the process of accident handling the insurance company, applying a premium rate to the premium of the customer. 31. The method of claim 30, wherein the determining of the even and odd days insurance obligations of the insurer is randomly made so that the even and odd days correspond to each insurer or the customer chooses. How to provide / manage products. 31. The method of claim 30, wherein the premium rate is applied only to the insured customer only by the insurer who has paid the insurance premium.