KR20060032486A - System and method for insurance certificate service using mobile communication device - Google Patents

Abstract

Disclosed is a system and method for insurance certification service using a mobile terminal, based on the data from the server computer provided with insurance information and the user information including the mobile terminal number of the user with a specific insurance from the insurance company computer A mobile terminal user who has created an insurance certificate program that can be used in a mobile terminal, stores it in a database, sends a text message for providing insurance certificate service to a mobile terminal of a specific user who has insurance, and then receives the text message. According to the user's choice, the user shall download and install the insurance certificate program including the insurance contents of the user's subscription to the mobile communication terminal, and the user subscribes according to the execution of the insurance certificate program of the user who downloaded and installed the insurance certificate program. The contents of various insurance certificates of an insurance are displayed on the screen.

Therefore, the present invention can easily check the insurance proof contents stored in the mobile communication terminal anytime, anywhere, and provides an effect of directly connecting to the person in charge when the insurance related inquiry or insurance processing situation occurs to process the insurance business.

Mobile Phone, Mobile Internet, Mobile Insurance, Certificate, VM

Description

System and method for insurance certificate service using mobile communication terminal

1 is a block diagram schematically showing the configuration of an insurance certificate service system using a mobile communication terminal according to the present invention;

2 is a block diagram showing in detail the configuration of the mobile communication terminal of FIG.

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

Figure 4 is a flow chart illustrating in detail the operation of the insurance certificate service method using a mobile communication terminal according to the present invention.

Explanation of symbols on the main parts of the drawings

100: network communication network 200: mobile communication terminal

210: key input means 220: communication means

230: control means 240: display means

250: storage means 300: server computer

310: control means 320: data communication means

330: database 340: message transmission means

350: Insurance certificate program transmission means 400: Insurance company computer

The present invention relates to an insurance proof service system and method.

More specifically, the present invention relates to an insurance certification service system and method using a mobile communication terminal that enables users who have subscribed to automobile insurance to keep the insurance proof contents on a mobile communication terminal so that they can easily check the insurance proof contents anytime and anywhere.

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

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

In addition, with the recent increase in the use of mobile communication terminals such as mobile phones and PDAs, the mobile Internet has been greatly expanded along with the use of the above-mentioned Internet, and all services on the wired Internet are rapidly expanding to the mobile Internet. have.

In other words, all areas such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, e-commerce, banking / securities / insurance services, etc., which were performed on the wired Internet, have also begun to be provided on the mobile Internet. will be.

Among the sites that provide various services, each insurance company, which has been mainly doing business offline, is expanding the service area not only to wired Internet but also to mobile internet. They can also access insurance services through their own mobile terminal.

However, the insurance service provided by each insurer through the mobile Internet as described above is a simple task such as a guide for various insurance products currently sold after the mobile terminal user accesses the insurance company database through the mobile internet, and online quotations. In order to check the various contents of the insurance they have insured, users must use insurance policies or terms issued by the insurance company, or contact the insurance company directly to check the contents. There was a lot of inconvenience in verifying the proof of insurance that he had insured.

In recent years, some insurance companies have printed the insurance certificate on the card and provided it to the user in order to solve the temporal and spatial constraints caused by the confirmation of the insurance certificate. The inconvenience of having to carry a card all the time has occurred.

The purpose of the present invention is to solve the above-mentioned problems, users who have subscribed to car insurance, etc. by downloading and storing the proof contents of the insurance in the mobile communication terminal, anytime and anywhere conveniently check the insurance proof contents easily, It is to provide an insurance certification service system and method using a mobile communication terminal that can be directly connected to process the insurance business quickly.

Insurance certification service system using a mobile communication terminal according to the present invention for achieving the above object, the network communication network for making a data communication between each other by connecting a plurality of unspecified communication lines; Receives a text message about the insurance service provided from the outside providing the insurance service through the network communication network and displays the message on the screen. A plurality of mobile communication terminals configured to download and install an included insurance certificate program, and execute various insurance certificate programs according to a user's program operation to display various proof contents of the insurance subscribed to by the user; When the insurance company established the partnership provides user information including insurance certificate contents and mobile terminal number of the insured user, the insurance certificate program is created and stored in a database based on the data, and the specific user who has insurance An insurance certificate program that transmits a text message for providing insurance service to a mobile communication terminal owned by the user, and includes the insurance certificate contents of the user in accordance with the request for downloading the insurance certificate program of the mobile communication terminal which confirmed the text message. A server computer which extracts the data from the database and downloads the data to a corresponding mobile communication terminal through a network communication network; A server computer in which a partnership is established is configured to include an insurance company computer that provides user information including insurance certificate contents and mobile communication terminal numbers of insured users.

In addition, the insurance certificate service method using a mobile communication terminal according to the present invention, (1) a server provided with the user information including the insurance information and the mobile terminal number of the insurance certificate of the user with a specific insurance from the insurance company computer through the network communication network; Generating an insurance certificate program that can be used in a mobile communication terminal based on the corresponding data in a computer and storing the insurance certificate program in a database; (2) transmitting a text message for providing insurance proof service from a server computer to a mobile communication terminal of a specific user insured through a network communication network; (3) downloading and installing an insurance certificate program including the insurance certificate contents subscribed to the mobile communication terminal according to a user's selection of the mobile terminal receiving the text message from the server computer; (4) In accordance with the execution of the insurance certificate program of the user who downloaded and installed the insurance certificate program from the server computer, a process including displaying on the screen various insurance certificate contents of the insurance subscribed to by the user.

In addition, the insurance certificate service method using the mobile communication terminal according to the present invention, (5) the process of performing the insurance business process by communicating with the insurance officer in accordance with the user's selection using the insurance certificate program in the mobile communication terminal It is preferable to carry out.

Hereinafter, with reference to the accompanying drawings will be described in detail the insurance certificate service system and method using a mobile communication terminal of the present invention.

1 is a block diagram schematically showing the configuration of an insurance certificate service system using a mobile communication terminal according to the present invention.

As shown, the network communication network 100 is a communication network such as a wired / wireless internet, and a communication line between a plurality of mobile communication terminals 200 and a server computer 300, a server computer 300, and an insurance company computer 400. In this way, data communication related to insurance services can be established.

When the plurality of mobile communication terminals 200 transmits a text message for providing insurance services from the server computer 300 providing insurance services through the network communication network 100, the plurality of mobile communication terminals 200 display the text messages on the screen so that the user can check them. After performing a communication connection with the server computer 300 according to the operation of the user who checks the text message, downloads and installs the insurance certificate program including the insurance certificate contents, and installs the server computer 300 according to the user's program execution operation. The insurance certificate program downloaded from the user is executed to display various proof contents of the insurance incurred by the user (for example, in case of automobile insurance, the insured's name, vehicle number, insurance period, subscription insurance contents, equivalent person, service, etc.). Center contact, etc.).

In this case, the above-described mobile communication terminal 200 is a communication device capable of wirelessly accessing the Internet through WAP anytime and anywhere by users who want information while moving. Recently, the service of text and simple images, slow network speed, expensive use In order to overcome the limitations of WAP services such as fees and to perform more interactive and multimedia services, VM (Virtual Machine) based platform solutions such as BREW, GVM (General Virtual Machine), JAVA, and WIPI have been developed and actively used. The insurance certificate program described above is such a VM-based platform solution.

In addition, the mobile communication terminal 200 automatically performs a communication connection with an insurance officer recorded in the insurance certificate program according to a user's selection using the insurance certificate program to perform various insurance business processes.

When the server computer 300 is provided with insurance information of the insured users and user information including the mobile communication terminal number from the insurance company computer 400 having established a partnership, the server computer 300 generates an insurance certificate program based on the corresponding data and generates a database in the database. The mobile terminal 200 stores and transmits a text message for providing insurance proof service to the mobile communication terminal 200 owned by a specific user who has been insured through the network communication network 100, and checks the text message for insurance of the mobile communication terminal 200. In accordance with the download request of the proof program, the insurance certificate program including the insurance certificate contents subscribed to by the user is extracted from the database and downloaded to the mobile communication terminal 200 through the network communication network 100.

At this time, in the above-mentioned insurance certificate program, in addition to the insurance certificate contents according to the present invention, various events, promotions, insurance expiration, management management, my information, premium calculation, terms and conditions, customer service for contract extension, mobile location tracking, accident Incident processing services such as on-site shooting, accident report and accident point transmission, payment services such as insurance premiums and fees may be included.

The insurance company computer 400 provides user information including insurance certificate contents and mobile communication terminal numbers of users who have insurance to the server computer 300 that has established a partnership when the users are insured.

2 is a block diagram illustrating in detail the configuration of the mobile communication terminal 200 of FIG. 1.

As shown, the key input means 210 receives a key signal of the user for operating various functions of the mobile communication terminal 200 and outputs it to the control means 230.

The communication unit 220 receives a text message for providing insurance certification service from the server computer 300 through the network communication network 100, and performs a communication connection to the server computer 300 according to a user's operation of checking the text message. Download an insurance certificate program that includes the proof of insurance.

The control means 230 controls the screen display of the text message received from the server computer 300 through the communication means 220, and when the download selection key signal of the insurance certificate program is input from the key input means 210, the communication means When the communication connection to the server computer 300 through the 220 to control the download of the insurance certificate program including the insurance contents, and a key signal for execution of the insurance certificate program from the key input means 210 is inputted The insurance certificate program downloaded from the server computer 300 is executed to control the insurance certificate contents of the user to be displayed on the screen.

The display means 240 displays the text message received from the server computer 300 through the communication means 220 under the control of the control means 230, and the insurance certificate program executed under the control of the control means 230. The insurance certificate of the user is displayed on the screen.

The storage means 250 stores the insurance certificate program downloaded from the server computer 300 under the control of the control means 230.

3 is a block diagram illustrating the configuration of the server computer 300 of FIG. 1 described above in more detail.

As shown, the control means 310 controls the generation and storage of the insurance certificate program based on the insurance information of each user input from the insurance company computer 400 and the user information including the mobile communication terminal number, Controls the transmission of a text message for providing insurance certification service to the mobile communication terminal 200 of the subscribed user, and includes insurance certificate contents subscribed to by the user according to the insurance certificate program download request of the mobile communication terminal 200. Control the download of proof of insurance programs.

The data communication means 320 outputs the insurance information of the users who have the insurance input from the insurance company computer 400 and the user information including the mobile communication terminal number to the control means 310, and outputs the information to the mobile communication terminal 200. Transmitting a text message for providing insurance proof service, outputting the insurance certificate program download request data transmitted from the mobile communication terminal 200 to the control unit 310, and outputting the insurance certificate program including the insurance certificate contents to the mobile communication terminal. Download to 200.

The database 330 stores an insurance certificate program generated on the basis of insurance information of users who are insured by the insurance company computer 400 under the control of the control means 310 and user information including the mobile communication terminal number. .

The message transmitting means 340 processes to transmit a text message for providing insurance proof service to the mobile communication terminal 200 held by each user who has insurance under the control of the control means 310.

Under the control of the control means 310, the insurance certificate program transmitting means 350 downloads the insurance certificate program including the proof contents of the insurance subscribed to by the user stored in the database 330 to the corresponding mobile communication terminal 200. Process.

Next, an embodiment of an insurance certificate service method using a mobile communication terminal according to the present invention configured as described above will be described in detail with reference to FIG.

Figure 4 is a flow chart illustrating in detail the operation of the insurance certificate service method using a mobile communication terminal according to the present invention.

First, the insurance company computer 400, which establishes a database of information on various insurances that users subscribe through online / offline, from a server computer 300 that establishes an affiliation with insurance service, It provides the user information including the insurance certificate contents and the mobile communication terminal number (S100).

Then, the server computer 300 may use the mobile communication terminal 200 possessed by the users based on the insurance information of the users input from the insurance company computer 400 through the network communication network 100 and the user information including the mobile communication terminal number. Create an insurance certificate program that can be stored in the database (S200).

After the insurance certificate program is built as a database, the server computer 300 transmits a text message for providing the insurance certificate service to the mobile communication terminal 200 of a specific user who has insurance through the network communication network 100 (S300). ). That is, the server computer 300 provides the guide information for downloading the insurance certificate program to easily check the insurance certificate contents anytime, anywhere from the mobile communication terminal 200 to the user with the insurance.

After transmitting the text message for providing the insurance certificate service, the server computer 300 determines whether the download of the insurance certificate program is selected from the mobile communication terminal 200 which has received the text message (S400).

As a result of the determination, when the download of the insurance certificate program is selected from the mobile communication terminal 200, the server computer 300 stores the insurance certificate program including the insurance certificate contents subscribed to by the corresponding user, which is constructed as a database, on the corresponding mobile communication terminal 200. Download and install in) (S500).

After downloading and installing the insurance certificate program from the server computer 300, the mobile communication terminal 200 determines whether the execution of the insurance certificate program is selected by the user (S600).

As a result of the determination, when the execution of the insurance certificate program is selected by the user, the mobile communication terminal 200 executes the insurance certificate program downloaded from the server computer 300 to display various proof contents of the insurance subscribed to by the user on the screen. Allows the user to check immediately (S700).

On the other hand, the mobile communication terminal 200 determines whether the call connection with the insurance officer is selected by the user using the insurance certificate program (S800), and if the call connection with the insurance officer is selected by the user on the insurance certificate program The insurance connection is performed by performing a call connection based on the recorded telephone number of the insurance agent (S900).

According to the insurance certification service system and method using the mobile communication terminal of the present invention as described above, by storing the various proofs of the insurance that the user subscribed to the mobile communication terminal, You can check the proof easily through your mobile communication terminal anytime, anywhere without checking through the documented insurance policy or terms and conditions, and if you have any insurance related inquiries or insurance processing situation, you can communicate with the insurance manager immediately to speed up the insurance business. There is an effect that can be processed.

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

Claims (6)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; Receives a text message about the insurance service provided from the outside providing the insurance service through the network communication network and displays it on the screen, and performs the communication connection with the outside according to the user's operation that confirmed the text message, the insurance certificate contents A plurality of mobile communication terminals for downloading and installing the insurance certificate program included therein, and executing the insurance certificate program according to a user's program operation to display various proof contents of the insurance subscribed to by the user on a screen; When the insurance company established the partnership provides user information including insurance certificate contents and mobile terminal number of the insured user, the insurance certificate program is created and stored in a database based on the data, and the specific user who has insurance An insurance certificate, which transmits a text message for providing an insurance certificate service to the mobile communication terminal owned by the user, and includes insurance certificate contents subscribed to by the user according to a download request of the insurance certificate program of the mobile communication terminal which confirmed the text message. A server computer for extracting a program from a database and downloading the program to a corresponding mobile communication terminal through the network communication network; And Insurance certificate service system using a mobile communication terminal, characterized in that it comprises an insurance company computer that provides the user information, including the insurance details and the mobile communication terminal number of the insured users to the server computer established a partnership . The method of claim 1, wherein the mobile communication terminal, Key input means for receiving a user's key signal for operating various functions of the mobile communication terminal; Receives a text message for providing insurance certificate service from the server computer through the network communication network, and performs a communication connection to the server computer according to the user's operation of checking the text message to download the insurance certificate program including the insurance certificate contents. Receiving communication means; Control the screen display of the text message received from the server computer through the communication means, and when the download selection key signal of the insurance certificate program is input from the key input means, the communication connection is made to the server computer through the communication means. Controls the download of insurance certificate programs including insurance certificate contents, and when a key signal for executing the insurance certificate program is input from the key input means, the insurance certificate program downloaded from the server computer is executed to execute insurance certificate program. Control means for controlling the content to be displayed on the screen; A display means for displaying a text message received from the server computer through the communication means under the control of the control means, and displaying the insurance certificate contents subscribed to by the user on the insurance certificate program executed under the control of the control means; ; And Insurance certificate service system using a mobile communication terminal, characterized in that it comprises a storage means for storing the insurance certificate program downloaded from the server computer under the control of the control means. The method of claim 1, wherein the server computer, Control the creation and storage of insurance certification programs based on the insurance details of each user input from the insurance company computer and the user information including the mobile communication terminal number, and provide insurance certification service to the mobile communication terminal of the insured user. Control means for controlling the transmission of a text message, and controlling the download of an insurance certificate program including insurance certificate contents subscribed to by the user according to the insurance certificate program download request of the mobile communication terminal; The user information including insurance certificate contents and mobile communication terminal number of the insured users inputted from the insurance company computer is output to the control means, and a text message for providing insurance certification service is transmitted to the mobile communication terminal. Data communication means for outputting insurance certificate program download request data transmitted from a mobile communication terminal to the control means, and downloading an insurance certificate program including insurance certificate contents to the mobile communication terminal; A database for storing an insurance certificate program generated based on insurance certificate contents of the users who have subscribed to the insurance input from the insurance company computer and user information including a mobile communication terminal number under the control of the control means; A message transmitting means for processing to transmit a text message for providing insurance proof service to the mobile communication terminal owned by each of the insured users under the control of the control means; And And an insurance certificate program transmitting means for processing to download the insurance certificate program including the proof contents of the insurance subscribed to by the user stored in the database to the corresponding mobile communication terminal under the control of the control means. Insurance certificate service system using a communication terminal. The method of claim 1, wherein the mobile communication terminal, An insurance certification service system using a mobile communication terminal, characterized in that the communication is automatically performed with an insurance officer recorded in the insurance certification program according to a user's selection of the insurance certification program. (1) An insurance certificate program that can be used on a mobile terminal based on the data from a server computer provided with the user's information including insurance certificate contents and mobile terminal number of users who have a certain insurance from an insurance company computer through a network communication network. Creating and storing in a database; (2) transmitting, from the server computer, a text message for providing insurance certificate service to a mobile communication terminal of a specific user who has insurance through the network communication network; (3) downloading and installing an insurance certificate program including insurance certificate contents subscribed to by the user according to the selection of the mobile communication terminal user who has received the text message from the server computer to the mobile communication terminal; And And (4) displaying on the screen various insurance certificate contents of the insurance subscribed to by the user according to the execution of the insurance certificate program of the user who downloaded and installed the insurance certificate program from the server computer. Insurance certificate service method using a mobile communication terminal. The method according to claim 5, wherein after the process (4), (5) Insurance certificate service method using a mobile communication terminal, characterized in that the mobile communication terminal further performs a process of performing insurance business process by communicating with an insurance officer according to the user's selection using the insurance certificate program.

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