KR20070009256A - System and its method for selling and managing gift certificate of insurance - Google Patents

Abstract

A system and a method for selling/managing an insurance gift certificate are provided to enable a user to pay a premium as much as a face value of the premium gift certificate in an insurance contract by selling the insurance gift certificate as a fixed value unregistered security to pay the premium and offering the insurance gift certificate to the user in rewards for the insurance contract. An insurance gift certificate server(2) issues/sells the insurance gift certificate through the network, registers/stores an insurance planner corresponding to the insurance gift certificate, and intermediates the insurance contract by guiding insurance goods information in response to an insurance contract request using the insurance gift certificate. An insurance planner terminal(3) requests insurance planner registration for the insurance contract request using the insurance gift certificate to the server after receiving the insurance gift certificate. A user terminal(4) receives the insurance gift certificate, receives the insurance goods information by transmitting an insurance gift certificate number to the server, and requests the insurance contract by receiving benefits as much as a price stated in the insurance gift certificate.

Description

System and its method for selling and managing gift certificate of insurance

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to

1 is a network configuration of the insurance voucher sales management system according to the present invention.

Figure 2 is an illustration of an insurance voucher according to a first embodiment of the present invention.

Figure 3 is an illustration of an insurance voucher according to a second embodiment of the present invention.

Figure 4 is an illustration of an insurance voucher according to a third embodiment of the present invention.

5 is a functional diagram of an insurance voucher server according to a first embodiment of the present invention.

6 is an internal structure diagram of an insurance voucher server according to a first embodiment of the present invention.

7 is an overall flowchart of the insurance voucher sales management method according to a first embodiment of the present invention.

8 is a detailed flowchart of the insurance voucher sales process according to the first embodiment of the present invention.

9 is a detailed flowchart of the process of registering a responsible designer assigned to the insurance voucher according to the first embodiment of the present invention.

10 is a detailed flowchart of an insurance subscription process using an insurance voucher of a user according to the first embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1: System 2: Insurance voucher server

3: insurance agent terminal 4: user terminal

5: Insurance company terminal 21: Insurance voucher issuing department

22: Insurance voucher sales department 23: responsible architect registration department

24: Insurance brokerage unit 211: Insurance gift certificate DB

221: Sales Payment DB

The present invention is an insurance voucher sales management system and method, and more particularly, sells a policy voucher that can pay premiums by the amount described in the insurance voucher, subject to the subscription of the insurance product, the user corresponds to the face value of the insurance voucher The present invention relates to an insurance voucher sales management system and a method for freely selecting an insurance company and an insurance product under the premium payment benefit.

When a user signs up for insurance, he or she receives a description of the product and an invitation to join the insurance company, and purchases the insurance, or listens to the Internet insurance without the insurance agent. Among them, Internet insurance is insurance that the user decides to subscribe to the insurance product by himself / herself without the insurance company's presence, so the insurance company gives the insurance company's share to the subscriber and the premium is relatively low.

Internet insurance is booming due to price competitiveness, but from the customer's point of view, if you purchase insurance through an insurance agent, you will be able to receive a full description of the product, get a recommendation for the product that is best suited to you, There is an advantage to receiving other services related to insurance.

Nevertheless, insurance by an insurance agent with a relative handicap in terms of price competitiveness compared to Internet insurance has been steadily growing by securing new subscribers through customer-friendly services and providing certain gifts.

However, in the case of a free gift provided by an insurance agent, it may be worse than the insurance agent does not provide a free gift if the user already has the goods or unnecessary parts.

Therefore, there was a need to provide a suitable promotion that can be used more directly and satisfy the user's satisfaction in place of the conventional gift to the user who subscribes to the insurance product through the insurance agent.

The present invention has been made in view of the above-mentioned point, and sells insurance policy certificates as fixed-value bearer securities that can pay insurance premiums, and provides insurance policy certificates to the user on the condition of insurance, so that the value of insurance policy certificates at the time of subscription. It aims to provide insurance voucher service which can pay premium.

According to the insurance voucher sales management system of the present invention for achieving the object as described above, in the sales management system of the insurance voucher that can pay the premium amount as specified in the insurance voucher when the insurance subscription through the wired or wireless network, Insurance voucher server for issuing and selling insurance vouchers, registering and storing the responsible designer corresponding to the insurance voucher, and receiving insurance product subscription request through the insurance voucher to guide the insurance product information to broker insurance. ; An insurance planner terminal that receives an insurance policy certificate and requests an insurance planner to register as a responsible designer when the insurance policy subscription server connects to the insurance gift certificate server; And a user who receives the insurance voucher, connects to the insurance voucher server, transmits the gift voucher number of the insurance voucher, is informed of the insurance product information, applies the payment benefits as described in the insurance voucher, and requests insurance subscription. Characterized in that it comprises a terminal.

According to a preferred feature of the invention, the insurance voucher server, an insurance voucher issuing unit for generating a unique recruitment number and gift voucher number to issue and store the insurance voucher is displayed with a predetermined amount; An insurance voucher selling unit for presenting a product list of the insurance voucher to a logged-in user, receiving payment information from the user, selling the insurance voucher, and storing sales information; A responsible architect registration unit for processing a membership request from the insurance designer's terminal, receiving a recruitment number described in the insurance policy certificate, assigning an ID of an insurance agent to a corresponding insurance policy certificate and registering it as a responsible designer; And processing the membership request from the user terminal, receiving the gift certificate number described in the insurance policy certificate, certifying the validity of the corresponding insurance policy certificate, providing an insurance company and a list of insurance products to guide the insurance, and Receiving the subscription request of the product characterized in that it comprises an insurance subscription intermediation to broker insurance by sending insurance product information, responsible designer information and user information to the corresponding insurance company.

In addition, according to the insurance voucher sales management method of the present invention, in the insurance voucher sales management method performed by the insurance voucher server that pays the premium amount specified in the insurance voucher when the insurance subscription through the wired or wireless network, (1) the insurance voucher The server issuing the insurance voucher and storing the insurance voucher information; (2) receiving, by the insurance voucher server, the purchase request of the insurance voucher from the logged-in user, and selling and storing the sales information; (3) receiving the recruitment number from the insurance agent terminal logged in to the insurance gift certificate server, and assigning and storing an ID of the insurance agent in the corresponding insurance gift certificate; And (4) receiving the gift voucher number from the user terminal to which the insurance voucher server is logged, authenticating the validity of the insurance voucher, and guiding the insurance product information to broker the subscription of the insurance product selected by the user. do.

Hereinafter, a first preferred embodiment of the present invention including the above components will be described in more detail with reference to the accompanying drawings.

1 shows a network configuration of an insurance policy certificate sales management system 1 of the present invention.

The insurance voucher sales management system 1 of the present invention includes an insurance voucher server 2 and an insurance agent terminal 3 and a user terminal 4 connected to each other via a wired or wireless network to transmit and receive data.

The insurance voucher server 2 described above sells insurance vouchers to member subscribers on a wired or wireless network, and brokers the insurance using the insurance voucher between the user and the insurance company. The insurance gift certificate server 2 is preferably provided with a web server for operating a homepage as an interface means with logged-in member subscribers.

The insurance agent terminal 3 and the user terminal 4 described above are information communication terminals which access the insurance voucher server 2 via a wired / wireless network and log in through user authentication. Examples include a PC, a mobile phone, and a PDA.

2 to 4 illustrate three insurance vouchers distinguished by an embodiment of the present invention.

An insurance voucher operator is an operator who issues and sells an insurance voucher, and at the same time, operates an insurance voucher server 2. The insurance voucher according to the first embodiment of FIG. 2 is issued with a commodity value 101, a recruiter number 102, and a voucher number 103. Here, since the commodity price 101 is a mandatory item or recruitment number 102 and the gift certificate number 103 are optional items, only one of the two items may be listed, so the insurance gift certificate according to the second embodiment of FIG. An example in which only the gift certificate number 103 is described is shown. The insurance voucher according to the third embodiment of FIG. 4 shows an example of covering a part of a serial number which is important in the nature of the security.

The product amount 101 described above is an amount that can be settled to the amount described in the premium to be paid for the first time in the insurance product contract. As with other vouchers, the balance may remain, and if it is used up more than 60% of the amount, it can be operated by cash return. For example, when you pay a monthly premium of 30,000 won for a gift certificate worth 50,000 won, the balance of the gift certificate amount is 20,000 won, and you have exhausted more than 60% (30,000 won). You may be asked to pay 20,000 won in cash.

The recruitment number 102 described above is a unique number registered by an insurance agent in order to be designated as the responsible designer of the insurance product subscribed to the insurance voucher.

The above-mentioned gift certificate number 103 is an authentication number input by a user (insurer) in order to authenticate whether the insurance policy certificate is valid. According to the gift certificate number 103, it is also possible to grant the right to join for the whole insurance product or the right to join within a limited insurance product.

According to the first embodiment (see FIG. 2), when the insurance voucher is issued and distributed to the insurance agent, the certification and the responsible designer are designated through the recruiter number 102, and when the insurance voucher is distributed to the user, Certification, insurance products, and the designer in charge are specified.

In addition, according to the second embodiment (see FIG. 3), if only one of the recruiter number 102 and the gift certificate number 103 is listed, the insurance agent and the user may use a single serial number (103 in FIG. 3). Commonly used.

Further, according to the third embodiment (see Fig. 4), since the insurance gift certificate of the present invention is distributed as an online electronic gift certificate, a person who knows the valid serial number described in the gift certificate is judged as the owner rather than the person who actually holds the gift certificate. Therefore, it is preferable to form a coating layer as a coating layer on the part or the whole of the recruitment number 102 or the gift certificate number 103 to form a security layer. Policy holders can scratch the coating and check the serial number for online use.

Hereinafter, a system and a method according to the first embodiment of the present invention will be described, and the remaining second and third embodiments will not be described in common with the first embodiment and only the differences will be described. .

<J Example 1 >

-Insurance voucher sales management system using two serial numbers

5 shows the function of the insurance voucher server 2 according to the first embodiment of the present invention.

The insurance voucher server 2 stores the merchandise amount 101, recruitment number 102 and gift voucher number 103 of the newly issued insurance voucher in the DB and then starts selling. The user logs into the insurance gift certificate server 2 and purchases a specific insurance gift certificate. Of course, it is possible to purchase insurance vouchers offline. Hereinafter, for convenience of explanation, it is assumed that the insurance company purchases the insurance gift certificate online from the insurance gift certificate server 2 through the insurance company terminal 3, and the present invention does not specifically limit the purchase and distribution of the insurance gift certificate. Anyone can be a subject in the distribution environment.

Insurers can resell insurance vouchers purchased online to their planners and offer them for free.

The insurance agent receives the insurance voucher, logs in to the insurance voucher server 2, and enters the recruiter number 102 to request that the insurance planner be registered as the responsible architect of the corresponding insurance voucher. If the designator is in charge, the insurance agent recommends insurance to the users and provides insurance vouchers for a fee or free gift.

The users are provided with the insurance voucher for a fee or free on the condition that the insurance product is subscribed, and after logging in to the insurance voucher server 2, the user enters the voucher number 103 and authenticates whether it is a valid voucher. If the certification is successful, you will be presented with a list of insurance products, and you will be selected to join. When the user subscribes to insurance, the responsible designer is automatically designated through the gift certificate number 103, and at the same time, the product amount 101 can be freely settled to the limit from the premium to be paid.

In the present invention, the distribution channel of the insurance voucher is preferably purchased by an insurance company, and passes through the insurance planner and the user, but is not necessarily limited thereto. For example, it is possible for user A to purchase insurance vouchers limited to education insurance for entrance gifts and present them to user B. Then, user B accesses the insurance voucher server 2 and enters the gift voucher number 103. The user B may receive a list of the education insurance products of all insurers currently on sale from the homepage, and then select and join a specific insurance company. have. Of course, the user B may be informed of a product having the highest sales rate, a product recommended by an expert, or a description of a comparative product. If it is assumed in the above example that the insurance agent purchases the insurance voucher without designation, the insurer of the insurance product to which the subscriber subscribes may designate the designer in charge to the subscriber.

6 shows the internal structure of the insurance voucher server 2 according to the first embodiment of the present invention.

The insurance voucher server 2 according to the first embodiment of the present invention includes an insurance voucher issuing unit 21, an insurance voucher selling unit 22, a responsible architect registration unit 23, and an insurance subscription broker 24. In addition, the DBMS structure includes an insurance policy certificate DB 211 and a sales settlement DB 221.

The insurance voucher issuing unit 21 described above receives the recruiter number 102 and the gift voucher number 103 described in the newly issued insurance voucher and registers the insurance voucher data for the first time in the insurance voucher DB. In addition, information such as the expiration date of the gift certificate or the types of insurance products that can be purchased may be stored.

The insurance voucher sales unit 22 sells an insurance voucher to guide the insurance voucher to the insurers logged in as members. Data accompanying the sales and settlement process, such as buyer information, sales information, insurance voucher information and payment information, is stored in the sales settlement DB (221).

The responsible architect registration unit 23 receives the recruiter number 102 from the insurance agent logged in as a member, and checks the insurance gift certificate DB 211 to check whether it is a valid gift certificate. If it is confirmed as valid, ask the insurance agent to register himself or herself as the responsible designer. When the designer confirms, the login ID of the designer is added to the insurance voucher data stored in the insurance voucher DB 211. Here, the login ID may be replaced with other data if it is possible to verify the identity of the insurance agent.

The insurance subscription broker 24 receives the gift voucher number 103 from the user logged in as a member and checks the insurance voucher DB 211 to check whether it is a valid voucher. If it is confirmed to be valid, a list of insurance companies and insurance products will be provided to guide the insurance.

That is, in principle, the gift certificate in the present invention allows a user to directly select an insurance company and an insurance product. If the user receives an insurance voucher on the condition that he or she has a specific insurance product through an oral appointment from the insurance agent, the insurance company and the insurance product are selected. In addition, after the insurance agent obtains the insurance subscription from the user, the insurance agent may register / restrict the types of insurance that can be incurred in the registration process of the responsible agent and issue the insurance policy certificate registered to the buyer in real time.

When the user selects one of the guided insurance products and applies for insurance, the insurance voucher server 2 provides a contract document through the homepage, requests input of detailed information, receives the completed contract document, and receives the insurance company. Brokerage of insurance

-How to manage insurance voucher sales using two serial numbers-

7 shows the overall procedure of the insurance voucher sales management method according to the first embodiment of the present invention.

A processing step performed by the insurance voucher server 2 that pays the premium for a predetermined amount described in the insurance voucher when the insurance is purchased through the wired / wireless network will be described.

In the insurance voucher issuing step (S10), the insurance voucher information of the issued insurance voucher 2 is stored in the insurance voucher DB 211. The insurance gift certificate information includes an amount 101, a recruiter number 102, and a gift certificate number 103.

Referring to FIG. 8, the insurance voucher selling step S20 is as follows. The insurance company or the user accesses the insurance voucher server 2 and registers (S21), logs in, and receives a list of insurance vouchers currently being sold (S22). The insurance voucher server 2 receives a purchase request for a specific insurance voucher of the buyer (S23). The insurance gift certificate server 2 transmits the payment request page and receives the buyer's payment method to complete the payment (S24). Data generated during the sales and settlement process is stored in the sales settlement DB (221) (S20).

Referring to Figure 9, the responsible designer registration step (S30) will be described below. Purchased insurance vouchers can be distributed free of charge to insurance agents or general users. The insurance planner registers as a member of the insurance product to be subscribed to the insurance product certificate server (S31), logs in and sends a recruitment number (102) to register the insurance product to be subscribed through the insurance product certificate (S32). ). If the insurance voucher server 2 receives the recruiter number 102 and inquires the insurance voucher DB 211, the insurance voucher server 2 guides whether to register itself as a responsible designer (S33). When the designer confirms, the insurance agent's ID is additionally recorded in the insurance policy certificate data of the insurance policy certificate DB 211 (S34). It is desirable that the insurance agent register himself / herself with the agent in advance before issuing the insurance voucher to the user, where the user grant can be paid or free.

Referring to Figure 10 describes the insurance product subscription brokerage step (S40) as follows. The user connects to the insurance gift certificate server 2 and registers (S41), logs in, and sends a gift certificate number 103 to request authentication of the gift certificate (S42). If the authentication is valid, the insurance voucher server 2 provides the insurance company and insurance product information available for subscription (S43). After the user has sufficiently searched for his subscription product, he selects a specific insurance and requests subscription (S44). The insurance company registers the subscriber's detailed information for the insurance by sending an additional input page and mediates the subscription to the insurance company (S45).

<J 2 Example >

-Insurance voucher sales management system and method using a single serial number-

The insurance voucher sales management system and method thereof according to the first embodiment of FIGS. 5 to 10 described above are equally applicable to the second embodiment. However, the difference is that the insurance agent and the user share a single serial number described in the insurance voucher of the second embodiment.

For example, the insurance agent sends the serial number to the insurance gift certificate server 2 to request registration as a responsible architect, and the user also sends the serial number to authenticate the valid gift certificate. In addition, in the case of an insurance voucher for which the responsible designer is not registered, an insurance company subscribed to by the user may automatically designate a responsible designer. In the second embodiment using serial numbers in this way, since the single serial number is shared, the insurance voucher server 2 can more easily manage the sales, but due to the problem of the serial number coating, Security can be lowered.

<J 3 Example >

-The composition of the serial number on the insurance voucher-

In the above-described first and second embodiments, the serial number described in the insurance voucher is a means of confirming the authenticity of the insurance voucher and the authenticity of the user. Therefore, part or all of the serial number of the recruitment number 102 or the gift certificate number 103 is secured by forming a coating layer as a coating layer.

As described above, an embodiment of the insurance gift card sales management system and method thereof according to the present invention is constructed. Although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto, and the technical spirit of the present invention and the claims to be described below by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents.

Insurance voucher sales management system and method according to the present invention, the insurance company and the insurance planners to distribute the insurance voucher to recommend the subscription of the insurance product, users who are provided with the insurance voucher for a fee or free to receive a premium payment benefits during the insurance subscription Receipt has the effect of creating a new form of payment and distribution market called insurance vouchers.

In addition, users do not search for products by themselves, such as Internet insurance, but they can listen to product descriptions from the insurance company, receive insurance vouchers, access the server, compare various insurance products, and make a decision to join. .

Claims (11)

In the sales management system of the insurance voucher that can pay the amount of the insurance premium as specified in the insurance voucher when the insurance is purchased through the wired or wireless network, Insurance that issues and sells insurance vouchers through wired and wireless networks, registers and stores the responsible designer corresponding to the insurance voucher, receives insurance product subscription requests through the insurance voucher, and guides insurance product information to broker insurance. Gift certificate server; An insurance planner terminal that receives an insurance policy certificate and requests an insurance planner to register as a responsible designer when the insurance policy subscription server connects to the insurance gift certificate server; And The user terminal receives the insurance voucher, accesses the insurance voucher server, transmits the gift voucher number of the insurance voucher, is informed of the insurance product information, and applies for payment as much as the amount described in the insurance voucher to request insurance subscription. Insurance voucher sales management system comprising a. The method of claim 1, The insurance voucher, The amount of the product that pays the amount of the premium to be paid subject to the insurance product; A recruitment number entered by the insurance planner to be designated as the responsible planner of the insurance that connects to the insurance policy card and subscribes to the insurance policy card; And A gift voucher number entered by the user to authenticate the validity of the insurance voucher by accessing the insurance voucher server. Insurance voucher sales management system characterized in that is described. The method of claim 2, The insurance voucher, The insurance voucher sales management system, characterized in that at least one or more of the recruitment number and the gift certificate number can be selectively described. The method of claim 2 or 3, The recruiter number or the gift certificate number A part or all of the serial number is coated with a coating layer, the insurance product certificate management system, characterized in that the user can confirm the serial number through the scratch. The method according to claim 1 or 2, The insurance gift certificate server, An insurance voucher issuing unit for generating a unique recruitment number and a gift voucher number and issuing and storing the insurance voucher displayed with a predetermined amount; An insurance voucher selling unit for presenting a product list of the insurance voucher to a logged-in user, receiving payment information from the user, selling the insurance voucher, and storing sales information; A responsible architect registration unit for processing a membership request from the insurance agent terminal, receiving a recruitment number described in the insurance policy certificate, assigning an ID of an insurance agent to a corresponding insurance policy certificate and registering it as a responsible designer; And Process the membership request from the user terminal, receive the voucher number described in the insurance voucher to authenticate the validity of the corresponding insurance voucher, provide a list of insurance companies and insurance products to guide the enrollment, and specific insurance products Insurance brokerage agency that brokers insurance by sending insurance product information, designer information and user information to the corresponding insurance company Insurance voucher sales management system comprising a. The method of claim 5, The insurance gift certificate server, The insurance voucher issuing unit stores the information of the insurance voucher issued, assigning an insurance agent ID to the insurance voucher corresponding to the recruitment number received by the responsible architect registration unit, and the insurance brokerage agency is authenticated by the voucher number transmitted Insurance policy DB for which validity is queried; And Sales payment DB that stores the buyer information, insurance voucher information, payment information is processed by the insurance voucher sales department Insurance voucher sales management system further comprising a. In the insurance voucher sales management method performed by the insurance voucher server that pays the premium amount specified in the insurance voucher when the insurance subscription through wired and wireless network, (1) the insurance voucher server issuing an insurance voucher and storing the insurance voucher information; (2) receiving, by the insurance voucher server, the purchase request of the insurance voucher from the logged-in user, and selling and storing the sales information; (3) receiving the recruitment number from the insurance agent terminal logged in to the insurance gift certificate server, and assigning and storing an ID of the insurance agent in the corresponding insurance gift certificate; And (4) the insurance voucher server receives the gift voucher number from the logged in user terminal to authenticate the validity of the insurance voucher, and guides the insurance product information to broker the subscription of the insurance product selected by the user. Insurance voucher sales management method comprising a. The method of claim 7, wherein Step (1), (1) The insurance voucher sales management method characterized in that the insurance voucher server stores the recruiter number and the gift voucher number described in the insurance voucher in the insurance voucher DB. The method of claim 7, wherein Step (2) is, The insurance voucher sales management method comprising the step of providing insurance voucher information that can be purchased to a logged-in user, receiving payment information when the user requests a purchase, and selling the insurance voucher and storing the sales information in a sales settlement DB. The method of claim 7, wherein Step (3), If the insurance voucher server joins an insurance agent, receives the recruiter number and inquires an insurance policy certificate DB to query the insurance policy certificate DB, the insurance policy certificate server guides the registration of the responsible designer and the insurance policy certificate data corresponding to the insurance agent's ID upon request of the insurance agent. Insurance voucher sales management method characterized in that the step of recording in addition. The method of claim 7, wherein The step (4), When the insurance voucher server is registered by the user, receives the gift voucher number and inquires the insurance voucher DB, the insurance voucher information is guided, and when the user requests to join a specific insurance product, the user information, insurance product information, and gift voucher information are requested. And insurance product certificate sales management method characterized in that the step of brokering the insurance subscription contracts by sending the responsible designer information to the insurance company.

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