KR20080005017A - Method and system for providing insurance service mobile communication fee - Google Patents

Abstract

A method and a system for providing an insurance service using a mobile charge are provided to offer additional services to a mobile user by using a mobile charge system and enable the mobile user to use the insurance service conveniently. An authenticating module(200) authenticates an insurance charge subscription request received from the mobile user. An insurance subscription processing module(204) processes subscription of insurance goods corresponding to the insurance charge system of the authenticated mobile user. The authenticating module authenticates the mobile user by transmitting a first authentication number to a mobile terminal of the mobile user requesting the insurance charge system and determining whether a second authentication number received from the mobile user is identical with the first authentication number. A suitable insurance subscription determining module(202) determines suitability of the insurance subscription of the mobile user based on at least one of age, an occupation, disease history, or communication fare arrearage of the mobile user after authentication is completed.

Description

METHOD AND SYSTEM FOR PROVIDING INSURANCE SERVICE MOBILE COMMUNICATION FEE}

1 is a diagram showing the configuration of an insurance service providing system according to an embodiment of the present invention.

Figure 2 is a diagram showing the detailed configuration of the insurance brokerage server according to an embodiment of the present invention.

3 is a diagram showing a detailed configuration of the insurance processing module of FIG.

4 is a flowchart illustrating an insurance processing process according to the present invention.

Figure 5 is a flow chart illustrating an insurance service providing procedure according to the suspension / use according to the present invention.

6 is a flowchart illustrating an insurance service termination procedure according to a carrier change according to the present invention.

7 is a view showing a plan according to the present invention.

8 is a view showing the age-specific coverage of the insurance service according to the present invention.

The present invention relates to a method and system for providing insurance service using a mobile communication fee, and more particularly, to a method and system for reducing the burden on a mobile subscriber and conveniently providing insurance service.

The mobile communication network basically provides a communication service based on an intelligent network. Accordingly, unlike a conventional wired communication network, various mobile communication networks can be applied.

That is, the subscriber can select a plan and various benefits accordingly.

Currently, mobile operators operate various plans such as a couple plan, a free call plan, or a day and time differential plan, allowing mobile subscribers to select a plan that suits their calling style.

However, the conventional plan has only a limited number of services provided by the counterpart or a time discount service, but cannot provide additional services other than the call service.

Meanwhile, as modern life becomes more complicated, mobile carriers and insurers have been providing insurance services to mobile subscribers.

However, the conventional insurance service induces insurers by calling an insurer's call center, calling the mobile subscribers one by one, and incurring inconvenience to the mobile subscribers because the insurance premium requires additional insurance premiums. There was a problem.

The present invention, in order to solve the problems of the prior art as described above, proposes a method and system that can provide additional services to the mobile subscribers through the plan.

Another object of the present invention is to provide a method and system that can conveniently use insurance services for mobile subscribers.

In order to achieve the above object, according to a preferred embodiment of the present invention, there is provided a method for providing insurance services to a mobile communication subscriber, comprising the steps of: (a) receiving an insurance plan subscription request from the mobile communication subscriber; (b) authenticating the mobile subscriber; And (c) subscribing to an insurance product corresponding to the insurance plan after authentication is completed.

According to another aspect of the present invention, there is provided a computer readable recording medium having recorded thereon a program for performing the above method.

According to another aspect of the invention, the authentication processing means for receiving the insurance plan subscription request from the mobile subscriber to authenticate processing; And insurance subscription processing means for subscribing to an insurance product corresponding to the insurance plan when the authentication process is completed.

According to another aspect of the present invention, a system for providing an insurance service to a mobile communication subscriber, comprising: an insurance broker server for receiving and requesting an insurance plan subscription request from the mobile communication subscriber, and processing the insurance after the authentication is completed; And a subscriber information server that is included in a mobile communication network and, upon completion of the insurance subscription process, receives a plan renewal request from the insurance brokerage server and changes the plan of the mobile subscriber to the plan. Insurance service providing system using mobile communication fee is provided

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same components have the same number as much as possible even if displayed on different drawings. Hereinafter, a preferred embodiment of a method and system for providing insurance service using a mobile communication fee according to the present invention will be described in detail.

1 is a diagram illustrating a configuration of an insurance service providing system according to an exemplary embodiment of the present invention.

As shown in FIG. 1, the insurance service providing system according to the present invention may include an insurance broker server 102, an insurance company server 104, and a subscriber information server 106.

The insurance broker server 102 may be connected to the insurance company server 104 and the subscriber information server 106 via a network.

Here, the network may include a wired / wireless internet network and a mobile communication network, and the internet network and the mobile communication network may be connected through a gateway for converting a protocol.

The insurance brokerage server 102 may be connected to the user terminal 100 through a network.

The user terminal 100 may include a computer, a PDA and a mobile phone as well as a landline phone as a terminal capable of requesting insurance service subscription through a mobile communication plan.

According to the present invention, when a mobile communication subscriber requests a subscription of an insurance plan on the web through a computer, the request may be transmitted to the insurance broker server 102 through the Internet network.

On the contrary, if a request is made to subscribe to an insurance plan through a wired communication means such as a PDA, a mobile phone or a landline phone, the request may be transmitted to the insurance brokerage server 102 via the mobile communication network and the Internet.

According to a preferred embodiment of the present invention, the insurance broker server 102 receives the insurance plan subscription request from the user terminal 100 and performs the insurance coverage process suitable for the mobile communication subscriber.

Insurance service using the mobile communication fee is to provide a insurance product service that matches the plan even if the mobile subscriber does not pay a premium when selecting the insurance plan.

In this case, the insurance details of the insurance provided to the mobile subscriber may be differentially applied according to the age of the mobile subscriber or the type of insurance plan.

For example, the insurance plan according to the present invention may exist in various ways depending on whether the age or free calls are included as shown in FIG. 7, and as shown in FIG. 8, the insurance details and the limits are different according to age. Can be applied as

Since the coverage is differentially applied according to age, for example, when the age of the mobile subscriber is changed from a child to an adult, the coverage and the limit may also be automatically changed.

In the insurance plan service according to the present invention, it is important to determine whether the mobile subscriber is willing to subscribe or whether to continue the insurance benefits.

According to the present invention, the insurance brokerage server 102 authenticates the mobile communication subscriber when the insurance terminal subscription request is requested from the user terminal 100.

When the user terminal 100 is a mobile communication terminal, the SMS (Short Message Service) center included in the mobile communication network is requested to transmit the authentication number, and the insurance intermediation server 102 receives a mobile communication subscriber when the authentication number is received. Can take care of your insurance.

In addition, upon receipt of the authentication number, the insurance brokerage server 102 determines whether the corresponding mobile communication subscriber is eligible for insurance and processes the insurance.

As such, when the determination of the authentication and eligibility for the mobile subscriber is completed, the insurance broker server 102 transmits a plan renewal request to the mobile communication network.

The subscriber information server 106 receives the above request, changes the plan of the mobile subscriber to the insurance plan, and charges at a rate according to the insurance plan.

The subscriber information server 106 according to the present invention may be a billing server included in a mobile communication network, and may be a home location register (HLR) that stores all information about a subscriber.

Meanwhile, since the insurance plan service according to the present invention is provided to a mobile subscriber who selects a communication plan, if the mobile subscriber does not pay for the corresponding plan by requesting a suspension or use of the communication service, etc. The insurance broker server 102 may determine this to cause the insurance to be suspended.

In addition, if the mobile subscriber changes the carrier, the insurance coverage can be stopped as well.

According to the present invention, since the insurance service is provided through a plan provided by the mobile communication service provider, it is possible to reduce the inconvenience of insurance and reduce the burden on the mobile subscriber.

2 is a diagram showing the detailed configuration of the insurance brokerage server according to an embodiment of the present invention.

As shown in FIG. 2, the insurance brokering server according to the present invention includes an authentication processing module 200, an insurance eligibility determination module 202, an insurance coverage processing module 204, an insurance benefit stop determination module 206, and a settlement. Module 208 may be included.

When there is a request for subscription to an insurance plan from the mobile subscriber, the authentication processing module 200 determines whether the subscriber is a user who has requested to join the insurance plan.

According to the present invention, when a mobile communication subscriber requests subscription of an insurance plan, a first authentication number may be transmitted to the mobile communication terminal of the subscriber.

The first authentication number may be transmitted in the form of a short message, and when the subscriber who receives the authentication number notifies the insurance broker server 102 of the second authentication number, the authentication processing module 200 receives the second authentication received from the subscriber. It is determined whether the number is the same as the first authentication number previously transmitted in the short message.

In this case, the insurance broker server 102 may receive an authentication number through an SMS callback method or through an internet network or an ARS (Automatic Response System).

After the authentication is completed, the insurance eligibility determination module 202 determines whether the mobile communication subscriber who requested the insurance plan corresponds to a predetermined disqualification reason.

The reason for disqualification may be determined based on whether a person corresponds to a predetermined age, a history of illness, an occupation or a late payment of a mobile communication fee.

In addition, since the insurance plan service according to the present invention may be provided limited to the insurance plan selection provided by a specific mobile carrier, the insurance eligibility determination module 202 may determine whether the mobile subscriber is a user belonging to a specific mobile carrier. You can judge.

If there is no reason for disqualification of the subscriber, the insurance processing module 204 changes the mobile subscriber's plan to an insurance plan and allows registration with an insurance company.

3 is a diagram showing the detailed configuration of the insurance processing module according to the present invention.

As shown in FIG. 3, the insurance processing module according to the present invention may include an insurance selection module 300, an insurance information transmission module 302, and a fee renewal request module 304.

The insurance selection module 300 performs a process of selecting an insurance product corresponding to the insurance plan selected by the mobile communication subscriber.

According to the present invention, the insurance plan provided to the subscriber may exist in various ways, for example, depending on the basic fee of the insurance plan or in the age of the mobile subscriber.

In addition, there may be various insurance products corresponding to each insurance plan.

Therefore, the insurance selection module 300 selects an insurance product corresponding to the insurance plan selected by the mobile subscriber.

After the insurance product is selected, the insurance information transmission module 302 transmits detailed information (eg, name, social security number, address, etc.) and selected insurance product information about the mobile subscriber to the insurance company server 104.

Accordingly, the insurance company can register the insurance subscription information of the mobile subscriber.

The plan update request module 304 requests the subscriber information server 106 included in the mobile communication network to update the plan of the mobile subscriber to the insurance plan.

The subscriber information server 106 changes to the insurance plan and charges at a rate for the plan.

Mobile communication subscribers may request a suspension or suspension of use to reduce communication charges or for unavoidable reasons.

In this case, the communication fee according to the insurance plan is not charged.

The insurance stop determination module 206 receives information about the mobile communication subscriber who has subscribed to the insurance plan from the subscriber information server 106, and determines whether there is a subscriber who has requested the suspension / use based on the received information.

The insurance suspension determination module 206 identifies the subscriber who has requested the suspension / use of the subscriber and determines whether the suspension / use suspension period of the subscriber exceeds a preset period.

If the suspension / use suspension period exceeds the preset period, the insurance broker server 102 may transmit the information to the insurance company server 104, whereby the insurance benefits for the mobile subscriber may be suspended. .

Of course, the coverage may be resumed when the mobile subscriber cancels the suspension / use suspension request.

The settlement module 208 performs a settlement process so that a part of the amount charged by the mobile operator can be paid to the insurer.

Hereinafter, a detailed process related to the insurance plan service according to the present invention will be described with reference to the flowchart.

4 is a flowchart illustrating the insurance processing process according to the present invention.

4 illustrates that insurance products according to the insurance plan are determined according to the age of the mobile subscriber.

Referring to FIG. 4, insurance broker server 102 receives a request to join an insurance plan from a mobile subscriber (step 400).

When the insurance plan subscription request is received, the authentication process of the mobile communication subscriber may be performed by transmitting and receiving the authentication number.

Next, the insurance broker server 102 determines whether the mobile subscriber is eligible for insurance (step 402).

As described above, eligibility may be determined according to the age, disease history, occupation or fee delinquency of the mobile subscriber.

If the mobile communication subscriber has a reason for disqualification, insurance broker server 102 sends a subscription failure message to the mobile communication subscriber (step 404).

If there is no reason for disqualification, insurance broker server 102 selects insurance corresponding to the age of the mobile subscriber (step 406).

The insurance brokering server 102 transmits information about the selected insurance product to the insurance company server 104 (step 408).

The insurance company server 104 registers insurance (step 410), and transmits insurance registration information (response signal) to the insurance broker server 102 (step 412).

Thereafter, the insurance brokering server 102 requests a renewal of the plan to the subscriber information server 106 included in the mobile communication network (step 414).

The plan renewal request may include identification information of the mobile subscriber and changed insurance plan information.

The subscriber information server 106 changes the subscriber's plan to the insurance plan (step 416), and sends a response signal to the insurance broker server 102 (step 418).

5 is a flowchart illustrating an insurance service providing procedure according to a suspension / use of the present invention.

Referring to FIG. 5, the insurance brokering server 102 requests information about an insurance plan subscriber from the subscriber information server 106 (step 500), and receives information about the subscriber (step 502).

The insurance brokerage server 102 determines, via the information about the subscriber, whether the number of suspended / used suspension days for each subscriber exceeds a preset period (step 504).

If there is an out-of-date insurance plan subscriber, insurance broker server 102 notifies insurer server 104 of the suspension of insurance benefits (step 506), and insurer server 104 stops the insured subscriber of the insurance plan. Register (step 508).

Meanwhile, according to the present invention, the insurance brokerage server 102 may determine whether to resume the use of the communication service for the subscriber whose insurance is suspended (step 512).

When resuming use of the communication service, insurance broker server 102 notifies insurance company server 104 (step 514), and the insurance company server registers information about resumption of insurance benefits (step 516).

6 is a flowchart illustrating an insurance service termination procedure according to a carrier change according to the present invention.

FIG. 6 illustrates a case in which an insurance plan service is selectively provided only to a mobile communication subscriber provided with a service of a specific carrier.

Referring to FIG. 6, the subscriber information server 106 transmits information about a subscriber whose insurance company has changed the carrier to the insurance brokerage server 102 (step 600).

However, insurance broker server 102 may receive all the information about the insurance plan subscribers to determine the subscriber who changed the carrier.

The insurance broker server 102 requests the insurance company server 104 to terminate the insurance for the subscriber who has changed the carrier (step 602).

In this case, the insurance company server 104 calculates an amount to be refunded among the amounts settled through the insurance plan (step 604), and transmits the calculated refund amount information to the insurance broker server 102 (step 606).

Insurance broker server 102 sends the received refund amount information to the mobile subscriber via SMS (step 608).

Preferred embodiments of the present invention described above are disclosed for purposes of illustration, and those skilled in the art will be able to make various modifications, changes, and additions within the spirit and scope of the present invention. Additions should be considered to be within the scope of the following claims.

As described above, according to the present invention, there is an advantage in that the insurance service can be conveniently provided to the mobile subscriber through the mobile operator's plan.

Claims (17)

A method of providing insurance services to a mobile subscriber, the method comprising: (a) receiving a request to join an insurance plan from the mobile subscriber; (b) authenticating the mobile subscriber; And and (c) subscribing to an insurance product corresponding to the insurance plan when the mobile subscriber is authenticated. The method of claim 1, In step (b), (b1) transmitting a first authentication number to the mobile communication terminal of the mobile communication subscriber who requested the subscription of the insurance plan; (b2) receiving a second authentication number from the mobile subscriber; And and (b3) determining whether the first authentication number and the second authentication number coincide with each other. The method of claim 1, Determining whether the mobile subscriber is eligible for insurance after the authentication is completed; The insurance service eligibility is determined by at least one of the age, occupation, illness history, or communication charge delinquency of the mobile subscribers. The method of claim 1, Selecting an insurance product according to the age of the mobile communication subscriber who requested the subscription of the insurance plan; And The insurance service providing method using a mobile communication fee further comprising the step of transmitting the selected insurance product information to an insurance company server. The method of claim 1, The insurance service providing method using a mobile communication fee, characterized in that further comprising the step of requesting a renewal of the plan to the subscriber information server included in the mobile communication network when the insurance processing is completed. The method of claim 5, Receiving information about an insurance plan subscriber from the subscriber information server; And Determining whether there is a temporary / suspended subscriber of the communication service among the subscribers of the insurance plan, The insurance service providing method using a mobile communication fee, characterized in that for the temporary / suspended subscribers to stop the benefits. The method of claim 6, The method may further include determining whether the temporary / usage suspension period of the temporary / use suspension subscribers exceeds a preset period. The insurance service providing method using a mobile communication fee, characterized in that for the subscriber who has exceeded the preset period of the insurance benefits. The method of claim 5, Receiving a carrier change information of the insurance plan subscriber from the subscriber information server further comprising: The insurance service providing method using a mobile communication fee, characterized in that to terminate the insurance of the subscriber who changed the carrier. A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 1 to 8. Authentication processing means for receiving an insurance plan subscription request from the mobile subscriber and performing authentication processing; And And insurance subscription processing means for subscribing to an insurance product corresponding to the insurance plan when the mobile subscriber is authenticated. The method of claim 10, The authentication processing means transmits a first authentication number to the mobile communication terminal of the mobile communication subscriber who requested the subscription of the insurance plan, and whether the second authentication number received from the mobile communication subscriber matches the first authentication number. Insurance service providing apparatus using a mobile communication fee, characterized in that for authenticating the mobile communication subscriber. The method of claim 10, And after the authentication is completed, insurance eligibility determination means for determining whether the mobile subscriber is eligible for insurance through at least one of age, occupation, disease history, or late payment of the mobile communication subscriber. Insurance service providing device using a communication fee. The method of claim 10, The insurance subscription processing means, Means for selecting an insurance product according to the age of the mobile communication subscriber who requested the subscription of the insurance plan; And And a means for transmitting the selected insurance product information to an insurance company server connected through an internet network. The method of claim 10, The insurance subscription processing means, And a plan renewal request means for requesting a plan renewal from a subscriber information server included in the mobile communication network when the insurance processing is completed. The method of claim 14, Insurance benefit stop determination means for receiving information on the insurance plan subscriber from the subscriber information server to determine whether there is a temporary / suspended subscriber of the communication service among the insurance plan subscriber, Discontinuing insurance coverage for the suspended / disused subscriber. The method of claim 15, The insurance coverage stop determination means determines whether or not the temporary / suspended suspension period of the temporary / use suspended subscribers exceeds a predetermined period, Discontinuing insurance coverage for a subscriber who has exceeded the preset time period. A system for providing insurance services to mobile subscribers, An insurance brokering server which receives an insurance plan subscription request from the mobile communication subscriber and performs authentication processing, and processes insurance subscription of the mobile communication subscriber after authentication is completed; And And a subscriber information server which is included in a mobile communication network and, upon completion of the insurance subscription process, receives a plan renewal request from the insurance brokerage server and changes the plan of the mobile subscriber to the plan. Insurance service provision system using communication charges.

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