KR20040087639A - Total cherisher insurance operating system using internet and operating method of the same - Google Patents

Abstract

PURPOSE: A system and a method for operating a total memorial design and an agent insurance using the Internet are provided to collectively process funeral/burial procedures depending on an insurance agreement by making a user design a total expense for the funeral/burial fit to user's capability/taste through the Internet and carrying the insurance for a predetermined time. CONSTITUTION: A web server of an operator(1) is equipped with a web page including a search tool, and a total funeral manual/procedure shopping mall displaying various kinds of memorial goods and funeral procedures as a moving image. A fund management system(2) manages premiums paid from policyholders by cooperating with the web server. A computer of the funeral/burial related companies(4) is connected to the web server through a communication tool.

Description

Total cherisher insurance operating system using internet and operating method of the same}

The present invention is designed to use the Internet to design all costs related to funerals and funerals according to the subscriber's ability and taste, and to insure the insurance for a period of time, upon the death of the subscriber or the insured, according to the insurance policy, The present invention relates to a total tribute design and agency insurance operating system that enables batch processing, a method of operating the same, and a computer readable recording medium storing a program for realizing the method.

Unlike other countries, Korea prefers burial. As cemeteries generated by these burials occupy more than three-thirds of the country, the land is desolated and environmental pollution is spreading day by day, which is becoming a social problem.

As a way to solve these social problems, the government's active promotion of the benefits of cremation, park graves, urns, etc., along with the development of the industry, and the deepening of nuclear families due to the rapid urbanization, raised the awareness of the funeral culture of the people. It is being simplified, and the situation is changing to a graveyard such as crevices and cremation rather than a store preference.

While the perceptions of funeral and funeral cultures are changing soundly, funerals and funerals are not made available due to the lack of certain governmental mandates for funeral expenses and the absence of funerals for suddenly injured bereaved families. Since the agencies are profiting against the surviving families with low-cost funeral supplies and funeral services in the name of comforting the surviving family, the cost of the funeral process is a huge burden on the survivors.

In other words, if there is a fatality in the house usually, call the '119 ambulance' or the hospital. If you transfer to the '119' ambulance, you may go to a funeral home where the bereaved does not want. If there is not enough space in a funeral home, the consumer should directly call the funeral homes of other hospitals and ask for the type and price of the service.

However, it is not easy for the bereaved family to get information about the various funeral homes quickly and the reasonable price is not known because of the unique price of each funeral home. In addition, due to the psychological impact of the death of the deceased, it is impossible to make a reasonable judgment about the price, and even though the cost of the funeral home is exorbitantly expensive, it is rare to move to another funeral home. It is true that this does not change the funeral industry's unreasonable rate policy.

In order to remedy these problems, there are many funeral or funeral related sites in Korea, but most of them are still promoted through the company's homepage, and only a few of them are used by consumers in cemeteries, ossuaries, and funeral homes. It provides useful information such as location and price.

However, the information on these sites is fragmentary and does not meet the user's convenience. For example, a funeral manufacturer may open an internet shopping mall on its homepage to induce end-user direct transactions, exchange quotes with customers through its homepage, and obtain raw material price information. Most of them are not far from the primitive level of their public relations.

In addition, since most funerals are performed at funeral homes and specialty funeral homes in general hospitals, funerals can be purchased even at low cost even if the consumer purchases a funeral product at an individual shopping mall. If there is a regulation that requires the use of its own funeral goods at a funeral home that is supposed to be paid, it is not only difficult for consumers to use the funeral goods purchased individually, but also to suffer financial damages in other parts even if they are used.

Therefore, the present invention has been proposed to solve the above problems, to build a search system that can be retrieved in real time by making a database of related items and funeral registration information throughout the funeral / funeral, total remembrance By placing the shopping mall on the virtual memorial design insurance website, the subscriber can design and join the funeral and funeral insurance according to his / her own ability and taste, and can totally handle the funeral procedures in the future at a reasonable cost. The purpose of the present invention is to provide a computer-readable recording medium that records the memorial design and agency insurance operating system, its operation method, and a program for realizing the method.

In addition, the present invention acts as a member on the hub site that introduces a commerce system that can buy and bid for funerals and funeral supplies, funeral companies that act on behalf of various funeral supplies, depots, etc. Total memorial design and agency insurance operating system using internet, its operation method, and computer program for realizing the above method to register reasonable funeral companies to provide reasonably efficient product supply among hospitality funeral companies. Another purpose is to provide a record carrier that can be read by a computer.

Figure 1 is a schematic diagram showing the correlation between the elements constituting the total memorial design and agency insurance operating system using the Internet according to the present invention.

2 is a flowchart illustrating a real-time search process according to the present invention.

Figure 3a and Figure 3b is a flow chart for processing the total memorial design and agency insurance operating method using the Internet according to the present invention.

* Explanation of symbols for main parts of the drawings

1: Web server of the operator 2: Resource management system

3: subscriber and insured server 4: member company server

The present invention for achieving the above object, the web server of the operator including a search tool, a web page including a funeral total manual and a procedure shopping mall for displaying various commemorative products, funeral progress procedures in a video; A resource management system affiliated with the web server to manage the premium paid by the subscriber; And provides a total remembrance design and agency insurance management system using the Internet, including the computer of the funeral / funeral related businesses connected to the operator's web server and the communication means.

Here, the web server of the operator is a database containing the corporate information, various product information and procedure information, subscriber information, unique code number information related to the funeral / funeral, and information registration for registering, managing and searching these databases And a retrieval tool having a means, an information management means, an information retrieval means, and an insurance subscription means for using the database.

In addition, the present invention provides a total memorial design and agency insurance operating method using the Internet, comprising: a first step of accessing a web server of an operator on which a web page including a funeral total manual and a procedure shopping mall is constructed; A second step of designing insurance related to funeral / funeral service using a database built in the web server of the operator, and comparing the cost price of the unit product of each company registered in the database; A third step of determining and subscribing to monthly payment / temporary payment after paying at least one of the funeral / funeral total insurance cost estimate and the individual insurance cost estimate; A fourth step of designating an insured person and a balance recipient after the payment of the insurance premium after performing the third step; And a fifth step of, in the event of the death of the subscriber or the insured person, a fifth step of collectively processing the funeral / seedling according to the insurance policy, delivering the balance to the designated recipient after the settlement of the insurance money, and terminating the insurance. And a recording medium capable of reading a program for realizing the above operating method into a computer.

Hereinafter, with reference to the accompanying Figures 1 to 3 will be described an embodiment of the present invention;

The present invention shows in advance the commemorative goods and funeral proceedings including various funeral supplies and funeral supplies in a shopping mall built on the homepage of a web server through the Internet, and shows all costs for the mourning from the funeral home to the funeral It is decided by the subscriber and insured, so that the funeral procedures can be collectively processed according to the insurance policy upon the death of the subscriber or the insured.

A system for this purpose will be described in detail with reference to FIG.

As shown in the figure, the operator's web server 1 includes a database containing corporate information, various product information and procedural information, personal information of a subscriber, and unique code number information related to funeral / funeral service; A retrieval tool having information registration means, information management means and information retrieval means for registering, managing and retrieving these databases; A search tool having insurance subscription means for using the database is provided, and the web server 1 also includes a web page including a funeral total manual and a procedure shopping mall for displaying various commemorative products and funeral proceedings as a video. It is built.

Here, the search tool of the web server is able to blur the information stored in the database through the browser as required by the client as shown in FIG. In other words, when accessing the web server (1) from the computer of the client who is a computer user and looking for a search target, for example, if the insured is to be registered or not, the name of the insured, the name of the insured and the personal information (address , Social security number, telephone number, etc.) and click Find, the web server 1 searches for information in the database, and outputs the information when the search result (monthly premium, subscription year, monthly payment, etc.) is received. do.

In addition, the site of the web server (1) is a database server for the company change data, subscriber registration / change information that is frequently transmitted from the batch solution of the funeral / funeral client (entertainer) to the Internet based on TCP / IP communication protocol Register and update to save.

The operator's web server 1 is connected to the financial management system 2 for managing the premiums paid by the subscribers subscribed to it monthly or lump sum through a communication means. Here, the financial management system 2 may be a bank, various safes, and cooperatives affiliated with a total tribute design and agency insurance company that operates a web server.

The server 3 of the client (personal member) who is willing to purchase insurance is connected to the web server 1 of the operator via a communication means. The personal client is a subscriber and an insured person. At this time, the subscriber or the insured person can access the web server 1, register as a member, and proceed with the insurance subscription procedure.

In addition, the operator's web server (1) is connected to the computer 4 of the funeral / funeral related businesses with a certain qualification via a communication means, the funeral / funeral related businesses are operators with various qualification conditions It is a company that is strictly registered and registered. In this case, the operator has a general membership and a corporate membership system, which gives the member benefits such as discounts from affiliated members, and businesses that are corporate members can participate in the above batch processing solutions and operators' inter-company commercial trading system. do.

In addition, funeral and funeral related businesses establish a homepage for their promotion or register a general site in the hub site of the operator who introduced the commerce system so that consumers can open it at any time, thereby increasing the reliability of the product. .

Referring to Figure 3 with respect to the operating method of the present invention configured as described above are as follows.

Clients (subscribers and insured persons) who intend to insure the memorial insurance system access the operator's web server (1) where the web pages including the funeral total manual and the procedural shopping mall are established through a personal computer (3), and then register as a member. Do it.

And before signing up for memorial insurance, you can watch videos related to various funerals and funerals, design your own insurance plan, and view the quote.

In the process, first select the testament recording method, then select the video / message / password in the manual. At this time, write how many recipients you will receive and when.

Next, you will select one of the funerals / funerals. If you select a funeral first, you will transfer the selections and units from the funeral home, harmony, and funeral manuals displayed on the website. That is, when the funeral home items are selected, the funeral home manual video is determined. At this time, determine the location of the funeral home, environment, pyeongsu, etc. to determine. For example, funeral supplies such as veterinary, caskets, incense, resident clothes, tombstones, ceramics, and other supplies are selected based on the cost.

When the client selects the nursery, the user selects a selection item from a manual such as a cemetery, a memorial minister, a memorial service, a deadly car, and a customer vehicle, and transmits detailed units.

In this case, in the case of the cemetery, the family cemetery, the park cemetery, and other land are selected by the manual, and in the case of the memorial hall, the position, the environment, and the number of grounds are determined.

Meanwhile, in the process of selecting a series of items through each manual as described above, the detailed unit is selected in consideration of the religion (Christian, Catholic, Buddhism, other religion) believed by the insured.

When the relevant items of the funeral / funeral are selected as described above, information is obtained from the price table for each company contained in the database and displayed through a browser. In this case, the unit products and price for each company registered in the database may be compared and specified.

Next, you can click one of the total auto estimates and funeral / funerals individual quotes, which provide a comprehensive view of the funeral and funeral design estimates, and select other options for remembrance or memorial wreaths. When this process is completed, the price information is output, and the insurance client selects and prints the premium payment period and monthly / paid payment.

Here, the monthly payment amount is determined by dividing the total sum of the quotations by the total number of payments. The following shows an example of calculating insurance prices for funeral supplies.

<Example of funeral supplies price>

① Testament movie recording CD production cost: 300,000 won

3 Wills: 300,000 won

② Price: 700,000 won

③ Two mourning men + two women: 200,000 won

④ Tube cost: 1 million won

⑤ Admission fee: 300,000 won

⑥ Memorial Officer (for flower equipment): 1.5 million won

⑦ Cost of pottery (for storing bones): 100,000 won

⑧ Price of commemorative individual group: 3 million won

⑨ 10 years storage management fee for memorial hall: 300,000 won

⑩ Remains sprinkled with natural bones-Memorial helper for two: 300,000 won

⑪ Park Cemetery 5 pyeong Sale price: 4 million won

⑫ 10 years cemetery fee: 700,000 won

⑬ 300,000 won

⑭ For visiting guests (union car): 400,000 won

⑮ Entertaining guests for 1 person × 100 people × 20,000 won = 2 million won

16. Memorial helpers 30 people × 80,000 won = 2.4 million won

17. Joe's Wreath: 150,000

Total premiums selected ÷ 10 years ÷ 12 months = premium to be paid monthly

Other options include incense, gloves, etc. You can apply for Joe's wreath.

When the monthly payment premium is determined, it is determined whether to subscribe, and designates a recipient of the balance for receiving the remaining balance after designation of the insured and payment of the insurance premium and ends. In addition to the nominee, the recipient of the balance may be designated as helping the underprivileged, or a foundation. Here, when the insured is designated, the second, third and fourth insured may be designated, and the insurance discount may be provided when the insured is a family unit.

In addition, the insurance policy of the total memorial design and agency insurance company can be described as an example.

Main contents of the standard agreement

* Establishment of insurance contract

The insurance contract consists of the policyholder's subscription and the insurance company's approval. If the insurance contract is notified, it is considered as approved.

* Effect of contract

① It takes effect from the first premium payment date, but at least 100% of the lowest customized design funeral procedure and cemetery management premium must be paid.

However, in case of serious accidents or deaths that cannot be paid by the “payer” due to the bad accident, 50% of the money shall be managed according to the custom designed funeral procedure and the cemetery management design insurance contract.

② If the insured person dies at the time of payment of less than 50% of the insurance premium, the subscriber shall pay only as much as the insufficient amount based on the 50% price of the subscription price.

Ex) If 10 million won is subscription insurance, if the payer dies after paying up to 5 million won, they do not have to pay the rest. However, if only 3 million won is paid, the remaining 2 million won shall be paid by the insured, family or guardian.

③ The insured shall pay the differential insurance premiums under 30 years old, 40 years old, less than 50 years old, less than 60 years old, less than 70 years old, less than 80 years old, and 80 years or more according to the age of the insured person and the payer of the insurance.

* Invalidity of the contract: If the insured and the insured are false, without recording the age, mental and physical loss, and medical history.

* Obligations of the Participant

The contractor or (insured person) is obliged to notify the facts about the question, occupation, health condition and disability, and if it is not true, the company may terminate the contract regardless of the reason for the payment.

* Effect of Contract upon Payment Arrears

If there is no premium payment by the end of the month following the month in which the premium due date falls, the contract shall be terminated from the following day.

* Cancellation of contract

① Within 15 days of the subscription date (Postmark Postmark Standard), a subscription letter for subscriber storage containing a subscription withdrawal invoice shall be sent by registered mail (appropriate point) or submitted in person.

② The Company shall return the premium paid to you within 3 days of receiving the subscription withdrawal claim.

(3) The Company shall not be responsible for the reasons for payment of insurance benefits that occurred after the date of sending the withdrawal claim (including the date of shipment), and the bank account holder of the depositing party shall be the same as the contractor.

* Notes on Subscription of Insurance Contract

1. Please read the Terms and Conditions carefully before making a subscription.

2. After confirming the funeral goods, funeral procedures, memorial minister, memorial service and memorial service fee, cemetery, permanent vehicle, coordinator's vehicle, meal table, helper's number of people, graveyard management fee and number of years Please check and subscribe.

3. Since insurance is different from banks, insurance is paid in case of emergency, so if you cancel it halfway, the amount you get back may be less or less than the premium you paid.

4. If a funeral item is out of stock, the product is suspended from production, or the moving or changing of the address of the deceased person is made within three months from the date of subscription, the funeral procedure, crematorium, cemetery, etc. shall be made at the place of death or the nearest place. You can decide to implement.

5. When the company cannot carry out the insurance due to bankruptcy, etc., it is guaranteed as prescribed by the Insurer Protection Act.

6. The insurer must issue a policy of insurance policy to the contractor.

The funeral procedure according to the insurance contract after carrying out the above series of insurance design and subscription process is as follows.

① Notify the insurer or the insured's fate through the Internet or telephone.

② The total tribute design and agency insurance company checks whether the insurance subscriber (insurance number).

③ Total tribute design and agency insurance company notifies the contractor and the resident of the dead by e-mail or telephone. The insurance contract should be presented to family, guardian or survivor and confirmed.

(4) The total memorial design and agency insurance company shall notify the time of settlement of the contracted funeral home.

⑤ Funeral Procedures Check the contents of the insurance contract and consult with the resident during the procedure.

⑥ Notify the resident about the admission time and plan.

⑦ crematory entrance time, cremation completion time When you make a reservation in advance, send it through the Internet or notify by phone and send the crematorium goal succession confirmation.

⑧ Send park cemetery or ossuary entrance confirmation card.

⑨ Deliver a will or video will to a bereaved family on CD.

후 After payment of insurance premium, the balance shall be delivered to the designated person (recipient) and receive a confirmation certificate.

⑪ Issue your insurance certificate, sign it, and end it.

On the other hand, the present invention has been described a series of processes only for the case where the individual client 3 subscribed to the insurance after connecting to the web server 1, but is not limited thereto. That is, even if the individual client accesses the web server 1 of the operator and then only joins the member and does not have insurance, he / she can obtain the toll benefit for the goods of the member company 4 that is subscribed to the web server 1. You can receive up to 10-50%. In addition, as an option, you can receive up to 10 to 50% of the to-do benefit when you sign up for insurance if a third party, namely a family member or a relative, is insured together.

In addition, in the present embodiment, the discount benefits may be performed in the same manner as in the online transaction only when the insurance is purchased offline in addition to the online transaction.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible within the scope without departing from the technical spirit of the present invention. It will be apparent to those who have knowledge.

As described above, according to the present invention, the total remembrance shopping mall is posted on the hub site, and the client can directly process the funeral procedures to be experienced in the future by designing and subscribing to the funeral and funeral insurance according to their ability and taste. In addition, even if there are few singles, family members or family relatives, the memorial helper can be used to bury funerals and reduce the burden on the survivors.

It also ensures that only qualified companies can be registered with Total Memorial Design and Agency insurance companies, and the funeral / funeral industry can be activated through objective, rational and open transactions to achieve the advanced funeral / funeral culture. Have

Claims (7)

An operator's web server on which a web page including a search tool, various commemorative products, and a funeral total manual and a procedure shopping mall displaying a funeral progress procedure in a video; A resource management system affiliated with the web server to manage the premium paid by the subscriber; And Computer of funeral / funeral business related to the operator's web server and communication means Total tribute design and agency insurance management system using the Internet, including. The method of claim 1, The operator's web server includes a database containing corporate information related to funerals and funerals, various product information and procedural information, personal information of subscribers and unique code number information, information registration means for registering, managing and searching these databases; A total tribute design and agency insurance operating system using the Internet, comprising: a search tool having an information management means, an information retrieval means, and an insurance subscription means for using the database. In the total memorial design and agency insurance method using the Internet, A first step of accessing a web server of an operator who has built a web page including a funeral total manual and a procedure shopping mall; A second step of designing insurance related to funeral / funeral service using a database built in the web server of the operator, and comparing the cost price of the unit product of each company registered in the database; A third step of determining and subscribing to monthly payment / temporary payment after paying at least one of the funeral / funeral total insurance cost estimate and the individual insurance cost estimate; A fourth step of designating an insured person and a balance recipient after the payment of the insurance premium after performing the third step; And Step 5 in the event of the death of the subscriber or the insured person, the funeral / seeds are collectively processed according to the insurance policy, the balance is transferred to the designated recipient after the settlement of the insurance money, and the insurance is terminated Total tribute design and agency insurance operating method using the Internet, including. The method of claim 3, wherein In the second step, the corporate information, various product information and procedure information, subscriber's personal information, and unique code number information related to the funeral / funeral service are stored in a database built on a web server, and the subscriber's information is requested at the client's request. A total memorial design and agency insurance operating method using the Internet comprising a sixth step of retrieving, registering, updating and storing data, which is frequently transmitted on the Internet, in the database server. The method according to claim 3 or 4, After performing the third step, when designating the option items related to the memorial, adding to the total sum premium, and further comprising a seventh step of determining the insurance premium, total memorial design and agency insurance operating method using the Internet. The method according to claim 3 or 4, The third step is Designing a total memorial service using the Internet, characterized by dividing the funeral and funeral from each memorial manual displayed on the web page of the web server, selecting an item required by the subscriber, and obtaining information from the price table of the database server. How to Operate Agency Insurance. A first function of accessing a web server of an operator who has built a web page including a funeral total manual and a procedure shopping mall; A second function of designing insurance associated with funerals / funerals using a database built on the web server of the operator and comparing the cost price of the unit product of each company registered in the database; A third function of determining and subscribing to monthly payment / temporary payment after paying at least one of a funeral / funeral total insurance cost estimate and an individual insurance cost estimate; A fourth function of designating the insured person and the balance recipient after the premium settlement after performing the third step; And Fifth function of processing funerals / seeds in accordance with the insurance policy, delivering the balance to the designated recipients and ending the insurance upon the death of the subscriber or the insured. Computer-readable recording medium recording a program for realizing a total tribute design and agency insurance operating method using the Internet, including.