KR20080086949A - The insurance joining system way that used rfid - Google Patents

Abstract

A system and a method for effecting an insurance by using RFID(Radio Frequency IDentification) are provided to introduce/effect a travel or leisure insurance of a customer after payment by receiving an RFID signal from the RFID tag attached to insurance AD(ADvertisement) or a vehicle from a mobile terminal of the customer. A database(310) includes an RFID information database(311) storing tag IDs matched with each RFID tag and insurance IDs, an insurance information database(313), and a customer information database(315). An insurance information register(340) assigns the insurance ID according to insurance option and stores the insurance ID to the database by linking with the tag ID. An insurance information extractor(350) extracts the insurance information based on the insurance ID matched with the tag ID from the database when an RFID signal including the tag/insurance ID is received from a mobile terminal. An insurance information provider(360) transmits the extracted insurance information to the mobile terminal. An agreement processor(381) processes an insurance agreement of the customer. A premium processor(383) makes the customer check again contents and a payment amount of the insurance. A premium payment processor(385) processes payment of a premium when the customer requests payment.

Description

Insurance insurance system using RFID and its method {The insurance joining system way that used RFID}

   1 is a diagram illustrating an insurance product guide advertisement with RFID tag according to the present invention.

2 is a block diagram illustrating an insurance subscription system through a mobile communication terminal using an RFID tag according to the present invention.

3 is a view showing in detail the configuration of the insurance server according to the present invention.

4 is a view showing in detail the configuration of a mobile communication terminal according to the present invention.

5 is a flowchart illustrating an embodiment of a method of providing insurance information according to the present invention.

      The present invention relates to a system and method of insurance using RFID, and more particularly, in a tag or insurance product advertising advertisement with an RFID tag installed in a specific area, such as a tourist destination, a rest area, a ski resort, a playground, or the like. Introduces insurance products such as travel insurance or leisure insurance by receiving RFID signals using mobile communication terminals (mobile phones), and insured system and method using RFID for payment insurance It is about.

Personal life is exposed to force majeure risks such as natural disasters and natural disasters and various unforeseen events and accidents. The insurance system provides insurance products that cover the risks of traffic accidents and leisure activities that are likely to occur during social and economic activities.

In general, insurance work is done by visiting a home or office by an insurance company affiliated with an insurance company, receiving insurance from the subscriber, and submitting the application to the insurance company. In recent years, with the development of technology, the existing insurance business is rapidly applying the Internet to the public to directly check the insurance products and apply for insurance.

Recently, due to the development of RFID technology, RFID is a system for recording code information in a tag having a memory function and recognizing it as a reader when contactless, and is newly emerging as a technology for providing offline and online hyperlinks. In particular, as a core technology of the ubiquitous environment, mobile communication service and convergence are expected in the future.

Various services that utilize the basic configuration of a basic RFID system that generates information by interpreting RFID tags and generated signals, such as access control devices, traffic ticket releases, hazardous waste monitoring, library management, vehicle management, supply chain management, Baggage handling, passport security and safe taxi services are currently or are being prepared.

In particular, if RFID technology is not used in the insurance field, and subscribers do not purchase insurance by insurance planners or search insurance products directly through the Internet, such as travel insurance, and do travel or other leisure activities without pre-subscription. There is a problem in that it is not easy to join, so you are not covered by the risk of accidents.

The present invention was created in order to solve the above problems, the object of the present invention is to install a RFID in the region as shown in Figure 1 when traveling or leisure activities to a particular area, such as tourist destinations, rest areas, ski resorts, rafting, playground If you receive a RFID signal using a mobile communication terminal in an advertisement or a tag-mounted insurance product advertisement, or introduce an insurance product such as traveler's insurance or leisure insurance, make a payment and sign up for insurance. It is an object of the present invention to provide an insurance system and method using RFID that can be established.

In the present invention for realizing the above object, the tag attached to the insurance product information advertisement or the vehicle with the RFID tag is made of a paper material or plastic material adhesive RFID label is inserted into the RFID transponder is a passive transponder The frequencies used are NFC [13.56 MHz] and UHF [900 MHz] bands.

2 is a block diagram of an insurance system according to the present invention.

As shown in FIG. 2, the RFID tag 10 for storing the insurance product information in the insurance product guide advertisement and matching the insurance information identification ID and the RFID tag are scanned to recognize the transmitted RFID signal, and according to the RFID signal. Upon receiving the RFID signal transmitted by the mobile communication terminal 100 from the mobile communication terminal 100 and the mobile communication network 200, which transmits a signal to the server to provide insurance information, the insurance information identification ID and the insurance information are stored in advance. Insurance subscription server 300 for extracting the corresponding information to be transmitted to the mobile communication terminal 100, the payment system 500 for insurance premiums upon insurance subscription, the insurance company that manages the subscriber information that has completed the insurance subscription and payment processing Insurance company system 600, SMS system 700 for transmitting the insurance coverage results to the user's mobile communication terminal 100 by text.

The insurance subscription server 300 registers new or updated insurance information by providing a menu including an item for registering insurance information when an operator who manages insurance information accesses using the terminal 400.

3 is a view showing in detail the configuration of the insurance server according to the present invention.

As shown in FIG. 3, the insurance subscription server 300 includes a database 310, a signal transmission and reception unit 320, a control unit 330, an insurance information registration unit 340, an insurance information extraction unit 350, and an insurance information system. Study 360, agreement agreement processing unit 381, premium settlement processing unit 383, premium payment processing unit 385, insurance results processing unit 387, customer result processing unit 391.

In more detail, the database 310 stores information related to the insurance server 300 under the control of the controller 330. The database 310 stores RFID identification ID information and insurance identification ID information matching the RFID tag 10. RFID information DB (311) to store and insurance information DB (313) for storing at least one or more insurance information, and customer information DB (317) for managing user information and payment results, insurance policy number and the like.

When the signal transmitter / receiver 320 receives an RFID signal transmitted from the mobile communication terminal 100, after performing a user authentication and an RFID authentication procedure of the mobile communication terminal 100 under the control of the controller 330, the RFID signal is received. To the insurance information extraction unit 350 to retrieve and extract the information.

In addition, when the insurance information operator accesses the insurance subscription server 300 using the terminal 400, the signal transmission and reception unit 320 transmits the corresponding signal to the insurance information registration unit 340 under the control of the controller 330. Enter insurance information.

Here, insurance information refers to insurance terms and conditions, insurance start date, insurance end date, insurance classification, that is, accident, illness, liability, etc., and the contents of insurance, the amount of coverage, and the amount of insurance according to each insurance category.

The insurance information registration unit 340 assigns identification IDs according to insurance items set in advance, matches them with identification IDs of RFID tags, and stores them in the database 310.

When the insurance information extracting unit 350 receives an RFID signal including an identification ID of the RFID tag and an insurance information identification ID, which the mobile communication terminal 100 scans and transmits the RFID tag, the insurance information extracting unit 350 controls the database according to the control of the controller 330. Insurance information is extracted from the 310 based on the insurance information identification ID matching the RFID tag identification ID.

The insurance information providing unit 360 transmits the insurance information extracted by the insurance information extracting unit 350 to the corresponding mobile communication terminal 100 under the control of the controller 330 so that the user can check the insurance information.

Agreement agreement processing unit 381 should be able to process whether the user agrees to the insurance-related terms and conditions when applying for insurance after the user inquires the insurance information transmitted to the mobile communication terminal (100).

The premium settlement processing unit 383 should be able to process the insurance information of the corresponding insurance and the amount of payment to be paid when the user inquires the insurance information, makes the insurance decision, and agrees to the terms.

The premium payment processing unit 385, when the user checks the insurance information and the insurance amount and applies for payment, the corresponding premium must be paid through the payment system 500.

Here, the payment method is the contents of the mobile phone micro payment method using a mobile carrier, credit card payment method using a credit card company.

The insurance company result processing unit 387 queries the database 310 that manages the processed results when the user completes the payment of the premium, and then is connected to the insurance company system 600 of the insurance company to provide the user with insurance coverage. Provide information so that it can be managed.

The customer result processing unit 391 notifies the settlement and the insurance company of the result, and sends the registered result to the mobile communication terminal 10 of the user through the SMS system 700 as a text message, the contents of the insurance product and the insurance certificate number are normally processed. By sending it, the user can check the application result.

It is obvious that the amount paid through the payment system 500 in the insurance subscription server 300 is settled between the mobile carrier and the insurance company and the bank or credit card company.

4 is a view showing in detail the configuration of a mobile communication terminal according to the present invention.

As shown in FIG. 4, the mobile communication terminal 100 includes a control unit 110, an input unit 120, a memory 130, a wireless communication unit 140, a display unit 150, an RFID reader unit 160, and insurance information. It includes a processor 170 and an output unit 180.

A control unit 110 for controlling the overall operation of the mobile communication terminal, an input unit 120 for input control of the mobile communication terminal 100, a memory 130 for storing various data, wireless for performing wireless communication The communication unit 140, the display unit 150 for indicating the current state of the mobile communication terminal or the event processing state requested by the user, and the output unit 180 for providing audible data necessary for using the voice call service or data service is mobile communication Since a general configuration of the terminal, a detailed description thereof will be omitted.

In more detail, when the RFID reader unit 160 receives the RFID signal transmitted from the RFID tag 10 by scanning the RFID tag 10 attached to the insurance product guide advertisement, it is transmitted through the wireless communication unit 140. The insurance information is sent to the server 300 to request the insurance information.

The insurance information processing unit 170 outputs the insurance information transmitted from the insurance subscription server 300 so that a user can check it using the display unit 150, the output unit 180, or both.

Here, insurance information refers to insurance terms and conditions, insurance start date, insurance end date, insurance classification, that is, accident, illness, liability, etc., and the contents of insurance, the amount of coverage, and the amount of insurance according to each insurance category.

In addition, the insurance information processing unit 170 confirms whether the agreement is sent from the insurance subscription server 300 or whether the premium is settled or not, by using the display unit 150, the output unit 180, or both. It should be output so that the user inputs through the input unit 120 should be transmitted to the insurance server 300.

5 is a flowchart illustrating an embodiment of a method of providing insurance information according to the present invention.

When the insurance subscription server 300 receives the RFID signal as the mobile communication terminal 100 scans the RFID tag 10 and transmits the received RFID signal (S101), the RFID tag identification ID matching the RFID signal and The insurance information identification ID is compared with information previously stored in the database 310 to perform an authentication procedure (S103).

As a result of step S103, when the verification process for the RFID tag identification ID or insurance information identification ID is not made, the insurance subscription server 300 transmits a message that the authentication failed to the mobile communication terminal (100) (S401). .

As a result of step S103, when the RFID tag identification ID and the insurance information identification ID are confirmed, the insurance information extraction unit 350 is processed.

The insurance information extracting unit 350 searches for and extracts the insurance information from the insurance information DB 313 of the database 310 based on the insurance information identification ID (S201). Here, insurance information refers to insurance terms and conditions, insurance start date, insurance end date, insurance category, that is, accident, illness, liability, etc. Image, video, voice or a combination of these.

Subsequently, the insurance information provider 360 transmits the insurance information extracted in step S201 to the corresponding mobile communication terminal 100 so that the user can check it (S203).

Thereafter, the mobile communication terminal 100 outputs insurance information transmitted from the insurance server 300 using the display unit 150, the output unit 180, or both.

After the user checks the insurance information received by the mobile communication terminal 100 (S205), insurance information is input by the user through the input unit 120 of the mobile communication terminal 100 (S205) to the insurance server 300. In step S207, a procedure for authenticating the insurance application is performed.

As a result of step S207, if the user does not apply for insurance, the insurance subscription server 300 transmits a message not to apply for insurance to the mobile communication terminal (100) (S403).

In addition, when the user applies for insurance as a result of S207, the insurance subscription server 300 by the agreement agreement processing unit 381 transmits a message requesting whether or not to agree to the agreement to the mobile communication terminal 100 (S301).

When the user transmits the information inputted through the input unit 120 whether the agreement is agreed to the insurance server 300, a procedure for authenticating the agreement is performed (S303).

As a result of step S303, if the user does not agree to the terms and conditions, the insurance subscription server 300 transmits a message that the terms and conditions did not agree to the mobile communication terminal (100) (S405).

In addition, if the user agrees to the terms of the result of S303, the insurance settlement database 300 inquires and searches the insurance information DB 313 for details of the insurance selected by the insurance settlement processing unit 383, and the insurance subscription server 300 is a mobile communication terminal ( In step 100), after confirming the details of the insurance, a message requesting payment of a premium is transmitted (S305).

When the user transmits the information input through the input unit 120 to determine whether the premium is settled to the insurance subscription server 300, a procedure for authenticating the premium settling request is performed (S307).

As a result of step S307, if the user does not agree to the premium settlement request, the insurance subscription server 300 transmits a message that the premium payment request is not applied to the mobile communication terminal (100) (S407).

In addition, when the user applies for the settlement of the premium as a result of S307, the premium payment processing unit 385 performs the premium payment processing. Premium payment methods include mobile phone companies 'micropayments and credit card companies' credit card payment methods.

The premium payment processing unit 385 performs a procedure for authenticating the normal payment settlement processing (S311).

As a result of step S311, when the insurance premium is not normally paid, the insurance subscription server 300 transmits a message indicating that the payment failed during the insurance payment to the mobile communication terminal (100) (S409).

In addition, when the insurance premium payment is completed as a result of S311, the processing result is stored in the customer information DB (315).

The insurance result processing unit 387 transmits the processing result by connecting the payment information stored in the customer information DB 315 to the insurance company system 600 when the premium payment is normally processed (S311). In addition, the insurance company system receives the result of the normal insurance is completed and receives the insurance information, such as insurance policy number and stores in the customer information DB (315).

The customer result processing unit 389 transmits the insurance result number, which is the insurance premium payment and insurance subscription information, to the subscriber who sends the text message through the SMS system 700 (S315).

As such, those skilled in the art will appreciate that the present invention can be implemented in other specific forms without changing the technical spirit or essential features thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not as restrictive. The scope of the invention is indicated by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the invention. do.

As described above, the present invention provides an insurance product immediately by scanning an RFID tag attached to an insurance product guide advertisement or an automobile for introducing insurance products such as travel insurance or leisure insurance suitable for a specific region or situation using RFID. The insurance subscription system and its method is a wired / wireless interlocking database of various insurance information, which enables the user to easily view insurance information, and when the user applies for insurance, the payment is made through the payment system and the insurance company system is connected to the insurance company. Completion of this policy has the advantage of being able to cope with the risks that may arise from the provision of insurance products suitable for a tourist destination or a specific area.

Claims (5)

An insurance product advertisement with a microchip that stores information for recognizing insurance and an electronic tag with an antenna, that is, an RFID (Radio Frequency Identification) tag. Insurance insurance system using the insurance product information advertisement of claim 1, An insurance subscription system connected to a mobile communication network and receiving an RFID signal transmitted by scanning an RFID tag including an identification ID for insurance from a mobile communication terminal having an RFID reader function, and providing insurance information according to the RFID signal. As A database including an RFID information DB storing RFID identification ID information and insurance identification ID information matched with at least one RFID tag, an insurance information DB storing one or more insurance information, and a customer information DB managing user information; An insurance information register for assigning identification IDs according to the set insurance items and matching them with identification IDs of RFID tags and storing them in a database; And When the mobile communication terminal receives an RFID signal including an identification ID and an insurance identification ID of an RFID tag that scans and transmits the RFID tag, the corresponding insurance is based on an insurance identification ID that matches the RFID tag identification ID from the database. Insurance information extraction unit for extracting information; And An insurance information provider for transmitting the insurance information extracted by the insurance information extractor to a corresponding mobile communication terminal so that the user can check the insurance information; And Agreement agreement processing unit for processing whether the user agrees to the insurance related terms of agreement; And A premium settlement processing unit that processes the insurance contents and payment amount of the insurance to be reconfirmed in detail when the user decides to purchase the insurance and agrees to the terms and conditions; And A premium payment processing unit for processing a corresponding premium through a payment system when a user applies for payment; And An insurance result processing unit for providing insurance-completed information by connecting the result processed when the premium payment is completed to the insurance company system of the insurance company; And It notifies the settlement and insurance companies of the results and sends the registered results through SMS system to the user's mobile communication terminal by text messages such as insurance products and insurance number, and provides the user with the result of the application. Insurance insurance system using the RFID insurance product guide advertisement, characterized in that it comprises a customer result processing unit. An insurance method using claim 1 and claim 2, Upon receiving an RFID signal transmitted by scanning an RFID tag including an identification ID for insurance from a mobile communication terminal connected to a mobile communication network and having an RFID reader function in the specific region, insurance information is provided according to the RFID signal. As a way of insurance, A first step of receiving an RFID signal for an RFID tag transmitted from a mobile communication terminal; A second step of searching for and extracting insurance information based on an insurance identification ID previously stored and matched with a corresponding RFID tag in the RFID signal received in the first step; And A third step of transmitting insurance information extracted in the second step to the mobile communication terminal so that the user checks the insurance information; A fourth step of confirming whether the insurance information is confirmed and the terms and conditions are checked in the third step; A fifth step of confirming insurance contents and an insurance subscription amount in the fourth step and requesting payment; A sixth step of performing a premium payment in the fifth step and transmitting subscription information to an insurance company system; And a seventh step of receiving the registered contract information from the insurance company system in the sixth step and transmitting a text message to the mobile communication terminal. The method of claim 3, wherein the specific area is a tourist destination, a rest area, a ski resort, a rafting site, a travel destination, or the like. 4. The method of claim 3, wherein the insurance product is a travel insurance or a leisure insurance.

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