KR20060038979A - Internet subscription system and securities management system for the insured - Google Patents

Abstract

The present invention relates to an Internet subscription and securities management system for the insured, receives the Internet subscription from the insurer's insurance contractor on the Insured Intranet or the homepage, examines the policyholder's credit, and accesses the cyber branch via e-mail. It is to manage the policyholder's bonds in the insured management system by sending data to the insured bond management system and to make the bond management more convenient and accurate and efficient. . In other words, it is a subscription system for a specific insured, linking the e-mail to the insurance policy subscription web page that pre-sets the insurance contents, etc., to the insured, and to notify the policyholder and the applicant by email. The e-mail system for electronic signatures and premium payments is established at the cyber branch of the guaranteed insurance insurance, and the program is configured to transmit the data of the issued insurance insurance in a manner requested by the insured.

Insured, Guarantee Insurance, Internet Subscription, Securities Management, Digital Signature, Email System, Bond Management,

Description

Internet subscription system and securities management system for the insured {omitted}

1 is a flow chart of an Internet subscription system for explaining the present invention.

2 is an exemplary view of a screen on the Internet for explaining the present invention,

Figure 3 (a) and (b) and Figure 4 is an example of the screen for the Internet subscription procedure guidance,

4 is a screen for explaining an email sending system for each business step;

Figure 5 (a) and 6 (a) (b) is an example screen of the conventional subscription form and signature,

7 is a screen exemplifying cyber branch insurance policyholder work processing;

8 is a screen illustrating a processing procedure of a cyber branch policyholder;

The present invention relates to an internet subscription and securities management system for the insured. In the conventional warranty insurance subscription method, when a customer visits a branch in person and consults insurance, the insurance insurance subscription form as described in Figs. 5 (a) and 6 (a) (b) is written and signed. In order to receive the issue of securities, the offer must be received or requested for submission of the submission documents, and the inquiry on the validity of the subscription customer and the new registration of the contents of the offer must be investigated. It must go through procedures such as identity assurance, individual subscription, collective registration, change of insurance contract contents, joint contractor registration, inquiry of internet subscription progress, and customer information registration with other procedures. This study examines the customer's credit information, PCES personal information, customer number, and mutual inquiry credit check list. Of course, natural contract validity inquiry, living security fund validity contract inquiry, and in the case of charter, you will be inquired by the lease of the charter credit, and through the unique code contents inquiry. The insurance premium is calculated when the major companies are inspected by agency.In this case, through the costs of identification education and training, other events, identity group contracts, loan-related contracts, imbalance payments, calculation of agency commissions, and insurance accidents by agency and agency Status and know-how and password registration and modification will be made. On the other hand, as personal basic information, check the contact information (home phone number, pager, mobile phone), spouse's name, spouse's resident registration number, as well as household name, household classification, Australian name, Australian resident registration number and relationship with Australia. Income status is divided into earned income, business income, and other income.In the case of small loans, property tax, location of goods and mailing address are not at home or work, and are classified as work and home address as well as work address, residential type, vehicle number and other address. For reference, individual business registration number, business name, initial registration date, and main bank are checked. Confirmation data is selected from resident registration card, resident registration card, seal certificate, business registration card, driver's license, property tax certificate, real estate register copy, passport, alien registration card. The above is for individual management. In the case of a corporation, the corporation number, establishment date, and industry code. The company type, company type, company size, settlement month, address, main handling items, business purpose, etc. are checked. The confirmation data includes company status table, business registration certificate, corporate register copy, and customer transaction confirmation. In addition, after the registration of new subscription contents, the process was completed and entered into the sion-on and when the counter was approved, premiums were paid and securities were issued. In the case of fixed-line insurance consultation, the letter of insured is mailed to the insured, received, and signed and signed.Then, after signing and mailing / receiving the letter of remittance, the premium is remitted to the sion-on. It is required to enter and approve the window before it can be issued.

In the cyber branch on-line, the insurance insurance cyber branch logs into the public policy of the policyholder, and the details of the subscription, such as the policyholder, the insured, the insurance product, the main contract, the warranty, the warranty symbol, and the insurance. Enter the amount, insurance period, and rider attachments, and call the e-Guaranteed Support Center to receive an approval code. After going through this process, by signing in to the policyholder's certificate in the guarantee insurance cyber branch, you can make an electronic signature and decide whether you want to pay the premium electronically or unpaid bank account and pay the premium. The electronic guarantee insurance policy is issued and output. (See Figs. 7 and 8)

Therefore, the policyholder needs to know the guarantee insurance product that the insured wants after handling the cyber branch, and then takes a lot of effort from the policyholder, and when the cyber branch handles the guarantee insurance subscription work, a lot of information about the insurance subscription is required. It is very inconvenient because all the policyholders have to enter, and inquiries about warranty subscription information are made through the head office or the call center, so you have to consult with a counselor for a long time in asking about the specific warranty insurance product and the subscription input method you want. There is inconvenience.

As described above, in the case of direct subscription through a visit, when the policyholder's signature is requested, the guarantee insurance subscription is delivered by mail or in person (Fig. 5 (a) (b), 6 ( A) (see b)), the hassle, postal costs, transportation costs and time constraints arise. In addition, when an insurance policy is issued, it needs time to be delivered to the insured party, and there is an inconvenience in that the insured needs a separate task for storing the security.

In order to solve the inconvenience described above, the present invention enables the user to subscribe, sign, and pay on the Internet without directly visiting a specific guarantee insurance branch or a head office, and by subscribing a guarantee insurance based on a guarantee insurance subscription system for a specific insurer. Work can be done more quickly and accurately than the cyber branch, and the guarantee insurance subscription system for a specific insured can give policyholders more accurate information about the guarantee insurance products that the insured needs. The policy is to reflect the insurance policyholder's credit by reviewing the policyholder's credit at the offline counter and then emailing it. In addition, the issued security insurance policy can be transmitted in real time to the insured, and the data transmitted allows the insured's debt management system to automatically update the warranty.

To this end, the present invention, in the subscription system for a specific insured, to set the guarantee insurance subscription web page with the input value of the guarantee content to the insured in advance, and to examine the contents of the applied guarantee insurance to the policyholder and the applicant The system consists of an e-mail system for digital signatures and premium payments from the guarantee insurance cyber branch linked to the e-mail, and a program for transmitting data in the manner requested by the insured.

Hereinafter, the present invention will be described in detail with examples.

The Internet subscription system of the present invention can apply for a specific (custom) guarantee insurance application system and new / increase / update / cancellation online with a Coinshu insurance agent. It consists of a system that can receive guidance and retrieve the results of the above progress. The guarantees and customized data will be sent to the issued securities retrieval, securities management program, and insured debt management system.

The Cyber Insurance Branch is a digital signature system that allows the electronic signature system to search the electronic insurance insurance subscription screening results, and to provide digital signatures and insurance premiums. After signing up for an offer, it is supposed to be digitally signed, accredited and paid for. In addition, the insured can check the status of securities issuance and valid securities by period, inquire about insurance expiry, and issue securities by contract (see Fig. 2). 1 is a flowchart of a guarantee insurance Internet subscription service for explaining this. First, when you connect to the Internet subscription system, you will be connected to the Insured Intranet or homepage, and you will see the insurance product guide, Internet subscription guide, electronic signature guide, increased endorsement guide, renewal guide, and premium payment guide. Enter the amount, insurance period, and enter the insurance period, if the main contract, business registration card is entered, the attached file / FAX is sent, the credit rating and insurance by the amount of insurance, sent by SMS / E-MAIL, the examination results and electronic By signing and guiding the payment of insurance premiums, you will be redirected to the Guarantee Insurance Cyber Branch, which is linked to your email. Therefore, the subscriber is signed by logging in with the public policy of the policyholder at the guarantee insurance cyber branch by electronic signature, and the electronic guarantee insurance policy is issued when the premium is decided or paid by electronic insurance payment or unpaid bank account. In other words, the securities output and receipt output are to be transmitted to the insured's debt management system. Therefore, it is possible to query the status of securities issuance by period, as well as the status of valid securities, inquiries on insurance maturity and securities issuance by contract. This is illustrated in FIGS. 3 and 4.

As described above, according to the present invention, it is possible to subscribe, sign, and pay on the Internet without directly visiting a guarantee insurance branch, and to subscribe to a guarantee insurance in a guarantee insurance subscription system for a specific insured person, rather than applying at a cyber branch. Not only can you do business quickly and accurately, but the Guarantee Insurance Subscription System for a specific insured can provide policyholders with accurate information about the insured insurance products they need. By informing the policyholder's credit at the offline counter about the insurance and notifying by email, the credit of the insured can be actively reflected, and the issued guarantee insurance policy is transmitted to the insured in real time and the data transmitted is avoided. Automatically insures the insurer's bond management system It will be very useful in the development of inventions that can benefit the insurance industry to date.

Claims (2)

In the subscription system for the insured, Setting up a guarantee insurance subscription web page with pre-defined values for the insured person, Review the contents of the applied guarantee insurance and notify the policyholder and the applicant by email; Internet subscription system for the insured, characterized in that the email system is configured to issue a guarantee insurance policy by paying the electronic signature and insurance premium at the cyber insurance branch linked to the email. The method according to claim 1, Internet subscription and securities management system for the insured, characterized in that the program consists of a program for transmitting the data of the issued guarantee insurance policy in a manner requested by the insured.

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