KR20040029590A - Insuring method and system using insuring prepayment card - Google Patents

Abstract

PURPOSE: A system and a method for subscribing for an insurance using an insurance prepayment card are provided to conveniently subscribe for the insurance by using the insurance prepayment card recording a graded premium according to a premium calculating method considering a travel period and the insurance particulars. CONSTITUTION: A web server(111) stores a both-way communication program and the insurance related programs. An insurance prepayment card certifying server(113) stores a contract term, the insurance particulars, and the premium depending on the contract terminal and the insurance particulars matched with a PIN(Personal ID number) number marked on the insurance prepayment card. An insurance subscription certifying server(115) subscribes for the insurance according to insurance goods output from the insurance prepayment card certifying server and the personal information of a customer. A settlement server(117) stores balance after withdrawing the premium from the insurance prepayment card. A database(119) stores the insurance goods matched with the PIN number of the insurance prepayment card and the personal information of a subscriber.

Description

INSURING METHOD AND SYSTEM USING INSURING PREPAYMENT CARD}

The present invention relates to a method and system of insurance using a prepaid card, and more particularly, to prepaid insurance by simply inputting a unique number and personal information of an insurance prepaid card on which a contract period and a guarantee history are recorded. The present invention relates to a method and a system for insurance insurance using a card.

Current auto insurance is a term-based insurance system that pays auto insurance premiums for the insurance period in advance, and then compensates according to the insurance policy if an accident occurs during the insurance period.

In addition, U.S. Patent Registration No. 5,797,134 (98.8.18), which obtains vehicle driving information and calculates premiums when calculating premiums, and communicates with an insurance company after a certain period of time by extending insurance periods through card-type insurance cards installed in vehicles. U.S. Patent No. 5,459,304 (95.10.17) and French Patent Application No. 93/05406 (1993.04.30), but also when the insurance contract term recorded on the card expires, Description of Information of Extending the Contract Period is disclosed.

Therefore, in order to join the existing insurance, insurance contracts are made by consulting insurance products with employees of insurance companies, and in case of using online, the policyholder must enter the credit card number of his or her insurance premiums online. Credit card accidents have often occurred due to the exposure of credit card numbers when insured using this conventional online method. In addition, it was inconvenient to select personal information including personal information of the insured person, insurance product including desired contract period and insurance details, and premiums for each insurance product.

Accordingly, the present invention has been made to solve the above inconvenience, the present invention can be easily used by using an insurance prepaid card recorded a predetermined premium at a differential price according to the insurance premium calculation method according to the travel period and guarantee details The purpose of the present invention is to provide a method and system of insurance using a prepaid card to enable insurance.

In order to achieve the above object, the insurance subscription method using a prepaid card according to the first aspect of the present invention,

a) purchasing an insurance prepaid card by paying a fixed amount according to a premium calculation method according to the contract period and the insurance details;

b) making a call connection with an insured device that provides insurance using the access number recorded on the insurance prepaid card;

c) signing up insurance for new customers using the unique number and personal information recorded on the insurance prepaid card;

d) in case of requesting the addition of the subscriber in step c), confirming the balance of the insurance prepaid card, and then enrolling the insurance;

e) If the customer is not a new customer in step c), if the previously signed insurance product is displayed, and if a contract or extension of the same product is required, after checking the balance of the insurance prepaid card, the insurance is purchased. Sending a subscription confirmation and expiration date message; And

f) if the remaining balance is insufficient in step d), and then proceeds to step c) by additionally purchasing an insurance prepaid card after transmitting a warning message.

Preferably, the personal information of step c) is characterized in that the insured's social security number and telephone number.

Preferably, g) if it is not a re-contract and contract extension for the same product in step e), the different insurance product types are displayed, and after selecting one or more of the displayed insurance products and premiums, proceeding to step e) The method further includes the step of registering the insurance after checking the balance of the insurance prepaid card, and transmitting the insurance check and expiration date messages after the insurance is completed.

In addition, the insurance subscription system using a prepaid card according to a second aspect of the present invention,

A plurality of flat-paid insurance prepaid cards recorded with a predetermined premium calculated differently according to the contract period and the insurance details;

A communicator for making a call connection using the access number of the insurance prepaid card; And

A web server, a payment server, an insurance prepaid card authentication server, an insurance subscription authentication server, and a database, which are connected to the communicator and are inputted with a unique number and personal information of the prepaid card entered through the communicator. It is characterized by consisting of an insurance processing server to subscribe to the insurance according to the travel period and the insurance details recorded on the insurance prepaid card, to confirm the insurance subscription, and to recognize the insurance expiration date.

According to the present invention, it is possible to easily purchase insurance by inputting a unique number recorded on an insurance prepaid card in which a predetermined premium calculated differently according to the contract period and the insurance details is recorded and the resident number and telephone number of the insured. .

1 is a diagram showing the configuration of an insurance subscription system using an insurance prepaid card according to the present invention.

2 is a flowchart illustrating a car insurance subscription process using an insurance prepaid card according to the present invention.

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

101: Insurance Prepaid Card 103: Communicator

110: insurance device 111: web server

113: insurance prepaid card authentication server 115: insurance subscription authentication server

117: payment server 119: database

130: insurance company

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the configuration of an insurance subscription system using a prepaid card according to the present invention. As shown in FIG. 1, the insurance subscription system according to the present invention includes an insurance prepaid card 101 (hereinafter abbreviated as a card), a communication device 103, a web server 111, and an insurance prepaid card authentication server 113. ), The insurance subscription authentication server 115, the payment server 117, and a insurance device including a database 119.

The customer 104 purchases the insurance prepaid card 101 by paying the flat-rate which is differentiated according to the method of calculating the premium according to the contract period and the insurance details according to the contract period and the guarantee details. At this time, the card 104 is sold in a predetermined flat ticket, for example, 10,000 won, 30,000 won, 100,000 won, etc. according to the contract period and the guarantee details, and the access number and the pin unique number for call connection are displayed. The communicator 103 is a wired / wireless telephone or a data communication device capable of connecting with the insurance device 110 using one of a wired and wireless communication network or a personal computer.

That is, when the access number displayed on the card 101 is connected through the communicator 103, the insurance device 110 is connected to the customer 104, according to the program stored in the web server 111 The insurance of 104 is guided.

Here, the insurance device 110 is a web server 111 for transmitting and receiving a web page for guiding insurance and a program capable of bi-directional communication, the contract period and the warranty details corresponding to the pin-specific number displayed on each card and this contract Insurance prepaid card authentication server 113, in which insurance premiums calculated according to the period and the insurance details are stored, and insurance that purchases insurance according to the subscriber's personal information authenticated by the PIN unique number input through the web server 111. And an authentication subscription server 115, a payment server 117 which reduces the insurance premiums subscribed through the insurance prepaid card from the insurance prepaid card, and a contract period and a warranty corresponding to the insurance prepaid card 113. And a database 119 in which the subscriber's personal information is stored.

That is, when the customer 104 inputs the pin unique number of the card 101 through the communicator 103 according to the input message of the pin unique number supplied through the web server 111, the input pin unique number. The link point of the insurance prepaid card authentication server 113 corresponding to the insurance contract period and the insurance details of the insurance prepaid card 101 held by the customer 104 are provided to the insurance subscription authentication server 115. In addition, the personal information input through the communicator 103 according to the personal information (resident number and telephone number) input message of the customer 104 supplied through the web server 111 is provided to the insurance subscription authentication server 115. do. The personal information and the insurance contract period and the insurance details of the insurance registration authentication server 115 are supplied and stored in the database 119.

The insurance subscription authentication server 115 contracts according to the personal information of the customer 104 and the insurance contract period and the insurance details, and the subscription completion confirmation and expiration date message is displayed through the web page of the web server 111. 104).

In this case, the insurance premium calculated according to the insurance contract period and the insurance details is reduced by the payment server 117 in the insurance prepaid card 101 and the balance is stored in the payment server 117.

Such insurance may be an insurance contract of at least one customer 104 with the same insurance prepaid card.

In addition, whether or not a contract is provided to the insurance company 130 through the communication network according to the personal information of the customer 104, the insurance contract period and the insurance details, and the insurance company 130 is provided with the personal information of the customer and the contracted insurance product. Save your contract terms and coverage.

Meanwhile, when the insurance contract period is completed and the customer 104 calls the insurance device 110 using the communication device 103 and enters a PIN unique number, the web server 111 of the insurance device 110 is entered. ) Checks whether it is a new subscription and checks whether the balance remains in the payment server 117 when reinsurance is not a new subscription, and if the balance remains, transfers using the personal information of the customer stored in the database 119. After re-subscribing to the insurance product subscribed to the and the contract state of the insurance product is restored to the database 119 and then supplied to the insurance company 130 through the communication network.

However, when the customer 104 wants to contract with another insurance product using the balance of the insurance prepaid card 101, which has been previously insured, the customer 104 uses the communicator 103 to connect with the insurance device 110. When a call is inputted, a pin unique number is inputted, and a plurality of insurance products stored in the web server 111 are transmitted to the customer 104 through a web page. When the customer 104 selects an insurance product to be contracted, the selected insurance product is selected. The insurance prepaid card authentication server 113 receiving the insurance product calculates a premium for a pre-stored insurance product and provides it to the payment server 117, and the payment server 117 provides the insurance premium at the insurance prepaid card 101. Cut down.

After paying the insurance premium of the insurance product, the insurance certification server 115 subscribes to the insurance product desired by the customer 104, restores the contract state of the insurance product to the database 119, and then stores the communication network. Supply to the insurance company 130 through.

According to the present invention, since the customer 104 is connected to the insurance subscription device 110 by using an access number, the customer 104 may subscribe to a domestic insurance company using an insurance prepaid card purchased overseas, or prepaid insurance purchased domestically. You can also use a card to buy insurance from a domestic insurer abroad.

Here, the web page of the web server 11 may be delivered from a customer using a voice converter, or in the case of the communicator 103 having a display, the web page may be displayed in text and voice.

2 is a flowchart illustrating an insurance subscription process using an insurance prepaid card according to the present invention. Referring to Figures 1 and 2 will be described in more detail the process of subscribing to insurance using the insurance prepaid card.

First, the customer 104 selects an insurance product including the desired contract period and the insurance details, and purchases the insurance prepaid card 101 of the flat rate or more for the insurance product (step 201). The customer who purchased the insurance prepaid card 101 enters the access number displayed on the insurance prepaid card 101 through the communicator 103 and makes a call connection with the insurance device 110 (step 203).

After that, the web server 111 of the insurance device 110 connected to the call transmits an input message of a pin specific number through a web page, and the customer who receives the pin specific number input message is displayed on the insurance prepaid card 101. Enter the pin unique number.

The web server 111 receiving the pin identification number finds the link point of the insurance prepaid card authentication server 113 and outputs the insurance product including the contract period and the insurance details of the pin identification number. (Step 205).

The web server 111 transmits an input message of the social security number and the telephone number, which is the personal information of the customer, to the customer 104 through the web page, and the customer 104 responds to the input message with the social security number and the telephone number. Enter (step 207).

The web server 111 which has received the above-mentioned social security number and telephone number finds the link point of the database 119 and outputs the social security number and telephone number corresponding to the personal information of the customer. If there is no information that matches the personal information of the customer, it is determined as a new customer (step 209).

That is, if the new customer in step 209, the insurance premium for the insurance product requested to join through the payment server 117 is reduced, and then the insurance subscription authentication server 115 uses the new customer's personal information, the contract period, and the insurance details. After joining the product, the insurance company 130 supplies the customer's personal information and the insurance product subscription through the communication network (step 211).

The web server 111 then sends the subscriber's additional message via the web page (step 213), where the customer 104 enters that he will add the subscriber, the web server 111 then sends the payment server 117 Check the remaining balance in step 215, if there is remaining balance, go to step 207 to enter the social security number and phone number of the customer to add and then subscribe to the insurance product.

If the customer 101 inputs that there is no addition of the subscriber in step 213, the web server 111 receives the insurance confirmation and expiration date message subscribed to the insurance authentication authentication server 115 through the web page. (217).

On the other hand, if the customer is not a new customer in step 209, the web server 111 finds the link point of the database 119 and transmits it through a web page displaying the insurance product previously subscribed to by the customer (step 219), and transmits a web page indicating whether to subscribe to the same insured product as this insurance product (step 221), where, if it is determined that the same insurance product is to be subscribed, the web server 111 may settle the payment server 117. Check the link point of the card) and check whether the balance remains in the insurance prepaid card 101 (step 223), and if it is determined that the balance remains, after joining the same insurance product as the insurance product previously subscribed ( Step 225) The process proceeds to step 213. In this case, resubscribing to the same product means extending the contract when the contract expires.

However, in the step 221, if the user wants to subscribe to the insurance product in addition to the insurance product previously subscribed, the web server 111 transmits the contract period and the coverage of the other insurance product through the web page (step 227), The customer who has received the contract term and the coverage of this insurance product selects the desired insurance product (step 229), and the web server 111 receiving the selected insurance product finds a link point of the insurance prepaid card authentication server 113. After supplying the contract period and the insurance details of the selected insurance product together with the personal information of the customer to the insurance certification server 115, the process proceeds to step 223.

On the other hand, if the balance is insufficient in the steps 215 and 223, the web server 111 transmits a warning message to the customer (step 231), and the customer 104 additionally purchases and inserts the insurance prepaid card. After that (step 233), the process proceeds to step 205.

As described above, the insurance method and system using the insurance prepaid card according to the present invention, by using the insurance prepaid card recorded the contract period and the details of the insurance is subscribed to the desired insurance products, insurance by simply entering the personal information You can subscribe to the product, and you do not need to enter a credit card number for payment of insurance premiums and pay a credit card, so you can prevent accidents due to exposure of your credit card.

While the invention has been shown and described with respect to specific preferred embodiments thereof, the invention is not limited to the embodiments described above, and is commonly used in the art to which the invention pertains without departing from the spirit of the invention as claimed in the claims. Anyone with knowledge will be able to make various variations.

Claims (5)

a) purchasing an insurance prepaid card for a fixed price at a differential price according to the insurance premium calculation method according to the travel period and the guarantee details; b) making a call connection with the insured device using the access number recorded on the insurance prepaid card; c) signing up insurance for new customers using the unique number and personal information recorded on the insurance prepaid card; d) in case of requesting the addition of the subscriber in step c), confirming the balance of the insurance prepaid card, and then enrolling the insurance; e) If the customer is not a new customer in step c), if the previously signed insurance product is displayed, and if a contract or extension of the same product is required, after checking the balance of the insurance prepaid card, the insurance is purchased. Sending a subscription confirmation and expiration date message; And and f) purchasing an insurance prepaid card after transmitting a warning message when the balance is insufficient in step d) and proceeding to step c). The method of claim 1, wherein g), if the contract is not renewed or extended for the same product, displays different insurance product types, selects one or more of the displayed insurance products and premiums, and then proceeds to step e). And checking the balance of the insurance prepaid card, and then registering the selected insurance, and transmitting a confirmation message and an expiration date message after the insurance is completed. An insurance prepaid card recorded with a predetermined insurance value differentiated according to the contract period and the insurance details; A communicator for making a call connection using the access number of the insurance prepaid card; And Insurance according to the contract period and the insurance details recorded on the insurance prepaid card by the pin number and the personal information of the prepaid card entered through the communicator connected to the communicator using the access number of the insurance prepaid card An insurance prepaid card using an insurance prepaid card, comprising: an insurance subscription device for subscribing to a product, and transmitting insurance confirmation and expiration date messages from a customer. 4. The system of claim 3, wherein the personal information is a social security number and a telephone number of the customer. According to claim 3, The insurance device is A web server storing a program capable of two-way communication and a program for transmitting and receiving a web page for guiding insurance and a program for executing insurance; An insurance prepaid card authentication server configured to store a contract period and a guarantee history corresponding to a pin unique number displayed on each insurance prepaid card input by the web server and a premium calculated according to the contract period and the guarantee history; An insurance certificate that purchases insurance according to the insurance product according to the contract period and the insurance details outputted from the insurance prepaid card authentication server and the personal information of the customer entered through the web server by the pin unique number input through the web server. A subscription server; A payment server for storing a balance after reducing an insurance premium subscribed through the insurance prepaid card from the insurance prepaid card; And And a database storing an insurance product having a contract period corresponding to a pin-specific number of the insurance prepaid card and a guarantee history and storing personal information of the subscriber.