KR20090001911A

KR20090001911A - System and method for affiliating insurance of foreigner and program recording medium

Info

Publication number: KR20090001911A
Application number: KR1020070052331A
Authority: KR
Inventors: 차재광
Original assignee: 주식회사 신한은행
Priority date: 2007-05-29
Filing date: 2007-05-29
Publication date: 2009-01-09

Abstract

A system and a method for insurance registration of a foreigner are provided to enable a foreigner to register insurance by submitting a passport and enable a financial institution to attract a foreigner for registering foreigner insurance. A system and a method for insurance registration of a foreigner comprise the following units. An information receiving unit(215) receives insurance item information, customer information, and passport information from a window terminal. An image unit(220) receives passport image contents from the window terminal. An insurance registration processing unit(230) receives insurance registration approval information from an insurance company server. An insurance account processing unit(250) opens an insurance account.

Description

System and Method for Affiliating Insurance of Foreigner and Program Recording Medium}

1 is a diagram illustrating an insurance subscription system for insurance of a foreign passport holder according to an embodiment of the present invention.

2 is a diagram illustrating a face-to-face insurance system for insurance of foreign passport holders according to an embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium for storing insurance product information corresponding to an insurance subscription in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

4 is an embodiment of the present invention in which a storage medium storing insurance product information corresponding to an insurance subscription in a face-to-face manner includes a database associated with a ledger D / B provided in a DBMS on a financial system. Figure is a diagram.

FIG. 5 is a diagram illustrating an implementation method in which a storage medium storing insurance product information corresponding to insurance subscribed in a face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

6A and 6B illustrate an insurance subscription process for insurance of a foreign passport holder in a face-to-face manner according to one embodiment of the present invention.

7A and 7B are diagrams illustrating an insurance subscription process for insurance of a foreign passport holder in a face-to-face manner according to another embodiment of the present invention.

8A and 8B are diagrams illustrating an insurance subscription process for insurance of a foreign passport holder in a face-to-face manner according to another embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face insurance system for insurance of a foreign passport holder according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium storing insurance product information corresponding to insurance subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

FIG. 11 illustrates a storage medium storing insurance product information corresponding to a non-face-to-surface insurance in accordance with another embodiment of the present invention including a database associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating the method.

FIG. 12 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium storing insurance product information corresponding to insurance subscribed in a non-face-to-face manner according to another embodiment of the present invention.

13A and 13B are diagrams illustrating an insurance subscription process for insurance of a foreign passport holder in a non-face-to-face manner according to one embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating an insurance subscription process for insurance of a foreign passport holder according to one embodiment of the present invention.

200, 900: insurance product subscription server

265, 960: electronic document server

297, 985: Insurer Server

According to the present invention, a predetermined passport holder receives a customer's passport, passport information, and insurance product information from the counter terminal at a predetermined information receiving means when a predetermined insurance subscription is made through a financial institution counter terminal, and Receiving the passport image contents from the teller terminal at an image receiving means of a predetermined insurance company; and a predetermined insurance company corresponding to the insurance product with the customer information, passport information, insurance product information, and passport image content at a predetermined insurance subscription processing means. Transmitting to the server, receiving predetermined insurance approval information from the insurance company server, opening a insurance account including an insurance policy corresponding to the insurance approval information by predetermined insurance account processing means, and The customer information, passport information, insurance product information and passport image in the electronic document generating means The present invention relates to a method for insurance coverage for foreigners, comprising generating a predetermined foreign insurance subscription electronic document including content and storing the electronic document in a predetermined electronic document D / B.

Due to the rapid development of the financial industry, various services have been provided by financial institutions, and insurance products can be sold, allowing customers to purchase necessary insurance at financial institutions without visiting an insurance company.

However, because foreigners do not have insurance products, foreigners with passports cannot get insurance even if they need insurance.

In addition, even if a financial institution tries to enroll insurance products to foreigners, there is a problem that an identification card is required to prove the identity of foreigners.

An object of the present invention for solving the above problems is, when a predetermined passport holder subscribes to a predetermined insurance through a financial institution window terminal, information for receiving the customer information, passport information and insurance product information in possession of the passport from the window terminal; A receiving means, an image receiving means for receiving the passport image contents from the teller terminal, transmitting the customer information, passport information, insurance product information, and passport image content to a predetermined insurance company server corresponding to the insurance product; Insurance processing means for receiving insurance insurance approval information from an insurance company server, insurance account processing means for opening an insurance account including an insurance policy corresponding to the insurance approval information, the customer information, passport information, insurance Generate and submit a foreign insurance subscription electronic document containing product information and passport image contents. It is an electronic document for foreign insurance system of an electronic document generation means for storing the D / B to provide.

The insurance method for foreigners according to the present invention includes customer information, passport information, and insurance products that carry the passport from the counter terminal at a predetermined information receiving means when a predetermined passport holder subscribes to the predetermined insurance through a financial institution counter terminal. Receiving information, receiving the passport image contents from the teller terminal at a predetermined image receiving means, and receiving the customer information, passport information, insurance product information, and passport image contents at a predetermined insurance subscription processing means. Transmitting to a predetermined insurance company server corresponding to an insurance product, receiving predetermined insurance approval information from the insurance company server, and insurance including insurance policies corresponding to the insurance approval approval information in predetermined insurance account processing means; Opening an account and the customer information and passport in a predetermined electronic document generating means Generating a beam and insurance information and a passport of a given foreign insured electronic document containing the image content, characterized in that comprises the step of storing a predetermined electronic document D / B.

The insurance method for foreigners according to the present invention transmits the passport information and the passport image contents from a predetermined passport information authentication means to a predetermined passport related server, and receives validation information for a predetermined passport from the passport related server. Characterized in that it further comprises the step of.

On the other hand, it includes a recording medium that records the above-described foreign insurance coverage method.

On the other hand, the insurance subscription system for foreigners in accordance with the present invention, when a predetermined passport holder is a predetermined insurance subscription through a financial institution teller terminal, receives the customer information, passport information and insurance product information in possession of the passport from the teller terminal Information receiving means, image receiving means for receiving the passport image contents from the teller terminal, transmitting the customer information, passport information, insurance product information and passport image content to a predetermined insurance company server corresponding to the insurance product, Insurance processing means for receiving insurance insurance approval information from the insurance company server; insurance account processing means for opening an insurance account including an insurance policy corresponding to the insurance approval information; and the customer information, passport information, and insurance. Create a foreign insurance subscription electronic document that includes product information and passport image content. And an electronic document generation means for storing a predetermined electronic document D / B is characterized in that formed.

The insurance system for foreigners according to the present invention further includes passport information authentication means for transmitting the passport information and the passport image contents to a predetermined passport related server, and receiving validation information for the predetermined passport from the passport related server. Characterized in that made.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

In more detail, Figure 1 shows a predetermined customer information, direct debit account information, passport information, insurance product information, in order for a customer with a predetermined passport to subscribe to an insurance product commissioned by a given insurance company to sell a service to a financial institution. When insurance application information including at least one insurance company information and customer approval information is provided to the financial institution, the financial institution transmits the insurance application information to an insurance company, and the insurance company receives the insurance subscription based on the insurance application information. The present invention relates to an insurance subscription system that is approved, receives predetermined insurance subscription approval information corresponding to the approval result, joins the insurance, and opens a predetermined insurance account for managing the insurance. If you have ordinary knowledge in the field, refer to and / or modify this drawing 1 to show your passport. Would be able to infer a variety of exemplary methods for the insurance system configuration for the insured person, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

According to the implementation method of the present invention, an insurance subscription system for insurance of a foreign passport holder is provided with insurance application information from a foreign customer possessing the passport, and the insurance company server (297, 985) based on the insurance application information; The insurance product subscription server (200,900) and the insurance product subscription server (200,900) for opening the insurance account for managing the insurance corresponding to the approval result in connection with the approval of the insurance, and the electronic document generated by the insurance product subscription server (200,900) The insurance application provided from the electronic document server (265, 960) to receive and store, the financial system equipped with a ledger corresponding to the insurance account opened through the insurance product subscription server (200, 900), the insurance product subscription server (200, 900) An insurance company server (297, 985) for approving the insurance based on the information, characterized in that made of .

Insurance product subscription server (200,900) for the insurance of the foreign passport holders insurance application that the customer includes at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information When the information is provided to the financial institution, the financial institution processes the insurance application information in association with the insurance company servers 297 and 985 based on the insurance application information, and provides predetermined insurance approval approval information corresponding to the processing result. When receiving the insurance for the insurance of the foreign passport holder is provided, it is characterized in that to open a predetermined insurance account for managing the insurance, insurance product subscription server (200,900) including the insurance subscription system Preferred embodiments are described in detail with reference to FIGS. 2 and 9.

The electronic document server 265, 960 for insurance of the foreign passport holder receives the electronic document generated by the insurance product subscription server 200, 900, and stores the electronic document in an electronic document storage. A preferred method of implementing an insurance system including servers 265 and 960 will be described in detail with reference to FIGS.

The financial system is characterized by storing and operating the ledger information corresponding to the insurance account, the account system for processing the window services such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), and At least one or more information systems that process the headquarters business, branch office information support and customer information management, and interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network; Access to the financial system from non-face-to-face financial means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.), or at least one common network (e.g. CD common network, financial common network) It is equipped with an external system that provides various financial transaction interfaces through In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information required for performing respective functions in components in the financial system. For example, it comprises a DBMS (DataBase Management System) including at least one or more databases for storing and managing the ledger information, customer information, or management information).

The insurance company server (297, 985) receives the insurance application information from the insurance product subscription server (200,900) to process whether the customer is approved for the insurance subscription or insurance subscription, predetermined insurance subscription approval information corresponding to the processing result It characterized in that for transmitting to the insurance product subscription server (200,900).

In FIG. 1, the insurance system is illustrated by the insurance product subscription server 200, 900, the electronic document server (265, 960), the financial system and the insurance company server (297, 985), but the present invention is not limited thereto. In the insurance system may be composed of one server (or device), or at least one or more servers (or devices), each component constituting each of the servers shown in accordance with the intention of those skilled in the art It is clear that it can be implemented as a separate server for each element.

2 is a diagram showing a face-to-face insurance system for insurance of foreign passport holders according to an embodiment of the present invention.

In more detail, Figure 2 shows that a customer with a predetermined passport prepares an insurance application including at least one of predetermined customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information. When submitted to a window provided at a financial institution, the financial institution processes the insurance application information in association with a predetermined insurance company server 297 based on the insurance application information corresponding to the insurance application, The present invention relates to an insurance subscription system for opening a predetermined insurance account for managing the insurance when the foreign passport holder receives insurance corresponding to the predetermined insurance subscription information. Those skilled in the art can refer to and / or modify this drawing to insure foreign passport holders. Various implementation methods for the insured system configuration for subscription may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to, and / or modify, the insurance insurance system, which omits an implementation method of storing the foreign insurance electronic document in the electronic document repository by referring to and / or modifying the drawing. In addition to the implementation method shown in FIG. 2, the electronic document storage is provided in the DBMS located in the insurance system in addition to the method shown in FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 2, in the implementation method of generating the foreign insurance insurance electronic document, the foreign insurance insurance electronic document corresponding to the insurance application form and the passport and insurance policy number of the customer is provided on the insurance insurance system. Although illustrated as being generated on the server side, the present invention is not limited thereto, and the foreign insurance subscription electronic document is stored in the image contents corresponding to the insurance application and the passport of the customer through a predetermined image acquisition device. Even if it is generated on the terminal side that acquires the corresponding image content (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the foreign insurance insurance electronic document), thereby limiting the present invention. Not.

Hereinafter, the insurance company server 297 is linked to the insurance company server 297 so that the customer may subscribe to the insurance in response to the insurance application and insurance application information written by the customer through a predetermined insurance subscription interface shown in FIG. 2. A component corresponding to at least one or more means and / or functional configurations for processing insurance application information, generating a corresponding foreign insurance subscription electronic document, and storing the predetermined foreign insurance subscription electronic document in a predetermined electronic document repository may be referred to as "insurance product subscription server ( 200) ".

Referring to FIG. 2 according to an embodiment of the present invention, an insurance subscription system for insurance of a foreign passport holder includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. The terminal device 290 is connected to the insurance product subscription server 200 provided on the insurance subscription system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (office) for insurance of the foreign passport holder, and visits a window staff (or counter staff) at the financial institution branch (business). It is preferable to prepare a predetermined insurance application (for example, a document having a form for filling in at least one information item for insurance of the foreign passport holder) for the insurance of the foreign passport holder.

Subsequently, when the customer submits the completed insurance application and the passport of the customer to the teller, the teller acquires predetermined image contents by scanning the insurance application and the passport of the customer through a predetermined image obtaining device. Image content obtained in response to the insurance application through a predetermined counter terminal, image content acquired in correspondence with the passport of the customer, customer information written in the insurance application, direct debit account information, passport information, insurance product information And input (or select) insurance application information including at least one insurance company information and customer approval information, and corresponding to the counter terminal, the image content and insurance application information on the insurance subscription system through the financial network. It is preferable to transmit to the insurance product subscription server 200 provided.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, insurance product subscription server 200 connected to the window terminal is provided on the predetermined financial system. It is preferable to include a server (for example, ledger server, etc.), the financial network connecting the teller terminal and insurance product subscription server 200 is a communication channel between the teller terminal and the insurance product subscription server 200 It is preferable that the connection network comprises a connection network.

In the insurance subscription system as described above, an image acquisition device for obtaining an insurance application prepared by the customer and image contents corresponding to the passport of the customer, a teller terminal used by the employee, the teller terminal and the insurance product subscription server. The financial network connecting 200 performs a function of an insurance subscription interface for the customer to register insurance application information for insurance of the foreign passport holder.

The storage medium 287 provided on the insurance system according to the present invention includes the customer information, insurance company information, insurance policy number, direct debit account number, included in the insurance application information provided from the terminal device 290, And insurance product information including at least one employee information and the insurance account information.

The customer information includes personal information of the customer (eg, customer's name, passport number, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer makes a financial transaction of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the insurance account opening system corresponding to the customer by joining as a customer It is preferable to make it.

The direct debit account information includes an account number corresponding to an account opened in the name of the customer for paying insurance premiums to be paid by the customer when the customer subscribes to the insurance product at the financial institution. It is desirable to.

The passport information is information included in the identification card issued by the customer's country to stay in the country, nationality, name, age, contact information, passport number, passport issuance date, validity that can prove the identity of the customer It is preferable to include at least one period.

The insurance product information is information provided by an insurance company that has entrusted the insurance sales service to the financial company, and includes at least one insurance type (for example, accident insurance, non-life insurance, etc.), insurance name, insurance amount, insurance terms, and insurance period. It is desirable to.

The insurance company information preferably includes the company name of the insurance company that entrusted the insurance sales service to the financial company.

Preferably, the customer approval information includes customer consent information indicating that the customer agrees to join the insurance product when the customer visits the financial institution and subscribes to the insurance product.

The insurance number is provided by the customer when the customer visits the financial institution and subscribes to an insurance insurance product contracted by an insurance company at the financial institution, and provides insurance application information to the insurance company. Appropriate insurance based on the information, it is preferable to include the insurance number provided with the insurance approval.

The insurance account information is opened when the customer visits the financial institution and subscribes to an insurance insurance product entrusted with a sales service from an insurance company at the financial institution, and the financial institution opens an account corresponding to the insurance subscribed to by the customer. It is preferable to include account information corresponding to the account.

The employee information, when the customer visits the financial institution and subscribes to an insurance insurance product contracted by an insurance company at the financial institution, introduces the insurance insurance product to the customer, and subscribes to the insurance insurance product of the customer. It is preferable to include recommended financial institution employee information (eg, employee name, employee affiliation, employee position, etc.).

According to one embodiment of the invention, the storage medium 287 is preferably provided in a DBMS on a financial system provided on the insurance system (or associated with the insurance system), wherein the storage medium Reference numeral 287 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 287 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the insurance system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The insurance product subscription server 200 provided on the insurance system according to the present invention is a generic term for the insurance system side components connected to the terminal device 290 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 290 is a teller terminal connected to a predetermined financial network, the insurance product subscription server 200 is connected to the teller terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the insurance product subscription server 200 includes an interface unit 205 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 290 through the financial network. Characterized in that made.

According to an exemplary embodiment of the present invention, when the terminal device 290 is a window terminal connected to a predetermined financial network, the interface unit 205 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when the insurance terminal subscription server 200 connects a predetermined communication channel with the insurance product subscription server 200 through the interface unit 205, the insurance product subscription server 200 connects to the insurance product subscription server 200. Acquiring the image contents corresponding to the insurance application written by the customer and the image contents corresponding to the passport of the customer through a predetermined image acquisition device provided in the terminal device 290 for the insurance of the foreign passport holder, Generate (or extract) at least one user interface for inputting (or selecting) insurance application information corresponding to an insurance application form and transmitting the insurance application information to the insurance product subscription server 200, and in connection with the interface unit 205. An interface providing unit 210 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 290, and the terminal; The insurance application information corresponding to the insurance application through the user interface 290 is input (or selected) and transmitted, the insurance transmitted from the terminal device 290 in association with the interface unit 205. An information receiving unit 215 (or information receiving means) for receiving the application information, and the image contents corresponding to the insurance application prepared by the customer through the predetermined image obtaining apparatus based on the user interface in the terminal device 290; When the image content corresponding to the passport of the customer is obtained and transmitted, the image receiving unit 220 receives the image content corresponding to the insurance application and the image content corresponding to the passport of the customer in cooperation with the interface unit 205. (Or an image receiving means).

The interface provider 210 connects a predetermined communication channel with the insurance product subscription server 200 through the interface unit 205 to the insurance product subscription server 200. When requesting a user interface for insurance of the foreign passport holder, the image content corresponding to the insurance application prepared by the customer through a predetermined image acquisition device provided in the terminal device 290 and corresponding to the passport of the customer Generate at least one user interface for acquiring image contents, inputting (or selecting) insurance application information corresponding to the insurance application, and transmitting the insurance application information to the insurance product subscription server 200 through the financial network; and / Alternatively, the user interface extracted from a predetermined database (not shown) and generated (or extracted) in association with the interface unit 205. It is characterized in that for providing the terminal to the terminal 290 through the financial network.

According to another embodiment of the present invention, the terminal device 290 obtains the image content corresponding to the insurance application written by the customer and the image content corresponding to the passport of the customer through a predetermined image acquisition device, and the insurance application. In the case where a predetermined information registration program having at least one user interface for inputting (or selecting) insurance application information corresponding to the transmission to the insurance product subscription server 200 through the financial network is provided, As described above, image contents corresponding to the insurance application form prepared by the customer and image contents corresponding to the passport of the customer are obtained through a predetermined image obtaining apparatus, and insurance application information corresponding to the insurance application is input (or selected). Create a user interface to transmit to the insurance product subscription server 200 (or Output) to the user terminal and the interface providing unit 210 may be omitted mubang provided by apparatus 290, to which the present invention is not limited.

Thereafter, the terminal device 290 inputs (or selects) insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the user interface. The insurance application information inputted (or selected) is transmitted to the insurance product subscription server 200 through the financial network. In response thereto, the information receiving unit 215 is connected to the interface unit 205. And receiving the insurance application information transmitted from the terminal device 290.

In addition, the terminal device 290 obtains the image content corresponding to the insurance application written by the customer and the image content corresponding to the passport of the customer through a predetermined image acquisition device based on the user interface, The image content is transmitted to the insurance product subscription server 200 through the financial network. In response thereto, the image receiving unit 220 is connected to the interface unit 205 and the image content corresponding to the insurance application and the customer. Characterized in that the image content corresponding to the passport.

According to another exemplary embodiment of the present invention, the terminal device 290 acquires image content corresponding to the insurance application written by the customer and image content corresponding to the passport of the customer through a predetermined image acquisition device. When the terminal device 290 is previously stored in a predetermined storage device provided in (or associated with) the device 290, the terminal device 290 may be created by the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content corresponding to an insurance application form and an image content corresponding to the passport of the customer are selected and transmitted to the insurance product subscription server 200 through the financial network. In response, the image receiving unit 220 is connected to the interface unit. In association with 205 the image content corresponding to the insurance application and the customer's passport It is preferred to receive the image content.

According to another embodiment of the present invention, the terminal device 290 through the user interface to the image content corresponding to the insurance application written by the customer, the image content corresponding to the passport of the customer and the insurance application corresponding to the When the insurance application information is transmitted together, the information receiving unit 215 receives the image content corresponding to the insurance application, the image content corresponding to the insurance application, and the insurance application information together with the interface unit 205. It is possible to (for example, the image receiving unit 220 is integrated into the information receiving unit 215 and operated), whereby the present invention is not limited.

Referring to FIG. 2, if the insurance application information received from the terminal device 290 is received through the information receiving unit 215, the insurance product subscription server 200 receives the received insurance application information from the foreign passport. Characterized in that it comprises a validity verification unit 225 (or validity confirming means) for confirming whether the holder satisfies the validity for insurance.

According to the implementation method of the present invention, the validity check of the insurance application information is to check whether at least one ledger information matching the insurance application information registered in the ledger D / B on the financial system associated with the insurance subscription system It is preferable to include what is included.

For example, the validity confirmation of the insurance application information is performed by checking the customer information (customer information or member information, etc.) among the information included in the insurance application information to the ledger D / B on the financial system linked to the insurance system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the insurance application information is the passport information and passport image content included in the insurance application information through a predetermined passport information authentication unit 260, a predetermined Ministry of Foreign Affairs and Commerce server 292 or foreign passport issuance server ( 295) to confirm the validity of the passport information included in the insurance application information.

The validity of the insurance application information is preferably confirmed by transmitting the passport information and passport image content included in the insurance application information to the Ministry of Foreign Affairs and Trade Server 292 or foreign passport issuance server 295, If the passport issuing server is not provided in the customer's country, or if the passport issuing server is not connected to the passport issuing server provided in the customer's country, the foreign trade bureau server except for the foreign passport issuing server 295 ( 292), preferably by sending passport information to confirm the validity.

The validity check of the insurance application information is such that the direct debit account information included in the insurance application information is matched with the direct debit account information included in the insurance application information in the ledger D / B on the financial system linked to the insurance subscription system. It is preferable to include checking whether at least one ledger information is registered.

Referring to FIG. 2, the insurance product subscription server 200 confirms validity corresponding to the insurance application information received from the information receiver 215, and checks the validity of the insurance application information at the insurance company server 297. The insurance application processing unit 230 (or insurance processing unit) for transmitting the insurance application information in association with the insurance policy) and receiving insurance application approval information from the insurance company server 297 in response to the transmitted insurance application information; In response to the insurance approval approval information received through the insurance processing unit 230 is characterized in that it comprises an information confirmation unit 235 (or information confirmation means) for confirming whether or not the insurance approval.

The insurance subscription processor 230 receives the insurance application information validated through the validity checker 225 and transmits the insurance application information to the insurance company server 297 through a financial common network in connection with the financial system. It is characterized in that for receiving the insurance approval information from the insurance company server (297) provided to the information verification unit (235).

According to an embodiment of the present invention, the insurance company receives the insurance application information validated through the validity confirming unit 225 from the insurance processing unit 230 and the insurance company through a financial common network in connection with the financial system. When transmitting to the server 297, the insurance company server 297 processes the received insurance application information and transmits the insurance approval approval information corresponding to the processing result to the insurance processing processor 230 through a financial common network. Preferably, the insurance processing unit 230 receives the insurance approval information and provides the insurance approval information to the information checking unit 235.

The information checking unit 235 receives the insurance approval approval information from the insurance processing unit 230 and checks whether the insurance approval is approved.

According to the exemplary embodiment of the present invention, the information confirming unit 235 checks the insurance approval information provided from the insurance processing unit 230 and when the insurance is approved, the information checking unit 235 is included in the insurance approval information. It is preferable to store an insurance policy number in the storage medium 287 through the information storage unit 255.

According to another exemplary embodiment of the present invention, the information confirming unit 235 checks the insurance approval approval information provided from the insurance processing unit 230, and when the insurance is rejected, the interface unit 205. It is preferable to transmit the error code included in the insurance approval information in connection with the terminal device 290.

According to an exemplary embodiment of the present invention, when the insurance subscription approval information is received from the insurance processing unit 230 at the insurance company server 297, the insurance application information is processed, the received insurance application information is processed into a processing result. It is preferable to include corresponding insurance approval information.

In addition, the insurance approval information includes the insurance policy number when the insurance subscription is approved in response to a processing result by processing the insurance application information received from the insurance processing unit 230 in the insurance company server 297. It is desirable to.

Further, the insurance approval approval information processes the insurance application information received from the insurance processing unit 230 in the insurance company server 297, and if the insurance is rejected in response to a processing result, the insurance insurance approval information corresponds to rejection of approval. It is preferable to include an error code.

According to another exemplary embodiment of the present invention, the insurance approval information may include the insurance approval information corresponding to a processing result by processing the insurance application information at the insurance company server 297. Accordingly, it is possible to include information determined by the implementer (for example, insurance period, payment amount, and other information determined by the implementer), and the present invention is not limited thereto.

Referring to FIG. 2, the insurance product subscription server 200 receives the image content transmitted from the terminal device 290 through the image receiver 220, and the insurance through the validity checker 225. When the validity of the application information is authenticated and the insurance is approved through the insurance processing unit 230 and the information checking unit, the insurance policy number included in the received image content and the insurance approval information and the insurance application An electronic document generation unit 240 (or an electronic document generating means) for generating a predetermined foreign insurance insurance electronic document including information, and the generated foreign insurance insurance electronic document to the electronic document storage associated with the insurance insurance system. It characterized by comprising an electronic document transmission unit 245 (or electronic document transmission means) for transmission.

In addition, the insurance product subscription server 200, if the insurance subscription is rejected through the information check unit 235, the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information It may be further provided with an electronic document generation unit 240 for generating a predetermined foreign insurance coverage electronic document including insurance application information including at least one and the error code information included in the insurance approval information.

The electronic document generating unit 240 is the image content received from the terminal device 290 through the image receiving unit 220 and insurance application information received through the information receiving unit 215 and the insurance processing unit 230. It is characterized in that for generating the foreign insurance subscription electronic document including the insurance policy number included in the insurance approval information received from the).

According to one embodiment of the invention, the electronic document generating unit 240 is the image file including the image content received from the terminal device 290 via the image receiving unit 220 as it is of the foreign passport holder It is advisable to process the foreign insurance electronic documents for insurance.

Alternatively, the electronic document generator 240 includes customer information included in the insurance application information received through the information receiver 215 on the image content received from the terminal device 290 through the image receiver 220. Watermarking at least one or more of a debit account information, passport information, insurance product information, insurance company information, customer approval information, and an insurance policy number included in the insurance approval information received from the insurance processing unit 230; It is preferable to generate an alien insurance subscription electronic document for insurance of the alien passport holder with an image file corresponding to the image content included in a watermarking method.

According to another exemplary embodiment of the present invention, the electronic document generating unit 240 includes a predetermined document file (eg, PDF) including the image content received from the terminal device 290 through the image receiving unit 220. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more such as HWP / DOC, web document file including MHT), and the like. It is desirable to create a foreign insurance electronic document for insurance.

Alternatively, the electronic document generator 240 includes customer information included in the insurance application information received through the information receiver 215 on the image content received from the terminal device 290 through the image receiver 220. At least one or more of the policy number included in the debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval information received through the insurance processing unit 230; To generate image content including a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including the generated image content. / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.) To create electronic documents for foreign insurance subscription risk is desirable.

According to another exemplary embodiment of the present invention, the electronic document generator 240 receives the image content and the information receiver 215 received from the terminal device 290 through the image receiver 220. A predetermined document file (e.g., a Portable Document Format (PDF) file, or the like) containing the insurance policy information included in the insurance application information and the insurance policy approval information received through the insurance processing unit 230; EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a document.

Alternatively, the electronic document generator 240 includes customer information included in the insurance application information received through the information receiver 215 on the image content received from the terminal device 290 through the image receiver 220. At least one or more of the policy number included in the debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval information received through the insurance processing unit 230; Generating an image content including a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, the insurance application information, and the insurance approval information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT. Etc.), it is preferable to generate a foreign insurance subscription electronic document for insurance of the foreign passport holder.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 240 is a technical feature of generating a foreign insurance insurance electronic document of the image file format and / or a predetermined document file format, and the foreign You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the insured electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 245 transmits and stores the foreign insurance subscription electronic document generated by the electronic document generation unit 240 to a predetermined electronic document repository associated with the insurance subscription system.

As shown in FIG. 2, the electronic document storage is connected to the insurance product subscription server 200 on the insurance subscription system through a predetermined communication means and the electronic document D / B 285. When provided externally, the electronic document transmission unit 245 is the electronic document server 265 through the communication means for the foreign insurance insurance electronic document generated by the electronic document generation unit 240 It characterized in that the transmission to.

Here, when the electronic document server 265 and the electronic document D / B 285 are provided outside the insurance system, the electronic document server 265 and the electronic document D / B 285 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the insurance system, the electronic document transmitting unit 245 is the foreigner generated by the electronic document generating unit 240. It is possible to store the insured electronic document in the electronic document D / B 285 corresponding to the electronic document storage on the DBMS provided in the insured system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 245 is electronic document related information for generating a predetermined electronic document management information in the electronic document server 265 (for example, insurance application corresponding to the image content) And the financial institution information, and / or the electronic document file format information, and / or the insurance application information, etc.) for transmitting the foreign insurance subscription electronic document, and / or to the electronic document repository. It is possible that the present invention is not limited thereby.

Referring to FIG. 2, the insurance product subscription server 200 includes the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance subscription approval information included in the insurance application information. An insurance account processing unit 250 (or insurance account processing means) for opening and processing the insurance account of the customer name based on the insurance policy number included in the.

The insurance account processor 250 generates a customer ledger including customer information included in insurance application information in association with the financial system (or checks a customer ledger that is matched with the customer information) and the insurance After generating predetermined account ledger information based on the application information and the insurance approval approval information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the foreign passport corresponding to the insurance application information It is characterized by opening and processing a predetermined insurance account for the holder of the insurance.

According to an embodiment of the present invention, when the insurance product subscription server 200 and the financial system exist in the same system, the insurance account processing unit 250 is linked to the financial system in a predetermined account in the ledger D / B. It is desirable to create a ledger.

According to another exemplary embodiment of the present invention, when the insurance product subscription server 200 and the financial system exist on another system connected through a predetermined communication means, the insurance account processor 250 may provide a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to create a predetermined ledger through the external system on the financial system.

Referring to FIG. 2, the insurance product subscription server 200 verifies that insurance application information received through the information receiving unit 215 is valid for insurance subscription of the foreign passport holder through the validity checking unit 225. When the insurance approval is confirmed through the information checking unit 235, the customer information, insurance company information, insurance policy number, direct debit account number, employee information and the information included in the validity of the insurance application information is verified. And an information storage unit 255 (or information storage means) for storing insurance product information including at least one insurance account information generated by the insurance account processing unit 250 in a predetermined storage medium 287. It features.

When the validity of the insurance application information is confirmed by the validity confirmation unit 225, and the insurance subscription approval is confirmed through the information confirmation unit 235, the information storage unit 255 is connected to the insurance application information. And the insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, and employee information included in the storage medium 287.

In addition, when the insurance account is opened in the ledger D / B on the financial system, the information storage unit 255 further includes the opened insurance account information in the insurance product information to store in the storage medium 287 It is preferable.

According to an embodiment of the present invention, when the storage medium 287 is provided in the insurance product subscription server 200 or on a network associated with the insurance product subscription server 200, the information storage unit ( The storage medium 287 may include insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information included in the received insurance application information. ) Is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 287 is provided in a DBMS provided on a financial system, the information storage unit 255 may include the customer information and an insurance company included in the received insurance application information. Insurance product information including at least one of information, insurance policy number, direct debit account number, employee information and insurance account information is provided to the information system through the external system on the financial system and stored in a DBMS provided on the financial system. desirable.

Referring to FIG. 2, the insurance product subscription server 200 checks the insurance application information received from the information receiver 215 to check whether the insurance application information satisfies the validity for insurance subscription of the foreign passport holder. The included passport information is transmitted to the MOFAT server 292 or the foreign passport issuance server 295, and the validity confirmation information for the passport information is obtained from the MOFAT 292 or the foreign passport issuance server 295. It is characterized in that it comprises a passport information authentication unit 260 (or passport information authentication means) received and provided to the validity check unit 225.

Referring to FIG. 2, an electronic document which receives a foreign insurance insurance electronic document from the insurance product subscription server 200 provided on the insurance insurance system and stores and manages it in a predetermined electronic document D / B 285 The server 265, the electronic document receiving unit 270 for receiving a predetermined foreign insurance subscription electronic document from the insurance product subscription server 200 through a predetermined communication means, and the received foreign insurance subscription electronic document An information generation unit 275 for generating predetermined electronic document management information for storage and management in the document D / B 285; And an electronic document storage unit 280 to be stored in the D / B 285.

The electronic document receiving unit 270 may receive a foreign insurance insurance electronic document in the form of an image file and / or a document file from the insurance product subscription server 200 through the communication means.

According to an exemplary embodiment of the present invention, the foreign insurance subscription electronic document received by the electronic document receiving unit 270 through the communication means is an image content received by the insurance product subscription server 200 from the terminal device 290. It is preferable that the image file including the as it is made.

According to an exemplary embodiment of the present invention, the foreign insurance subscription electronic document received by the electronic document receiver 270 through the communication means is the image received by the insurance product subscription server 200 from the terminal device 290. In the contents included in the insurance application information, customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription approval information received through the insurance processing unit 230 It is preferable to include an image file corresponding to the image content including at least one or more information of the insurance policy number in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the foreign insurance subscription electronic document received by the electronic document receiving unit 270 through the communication means is an image received by the insurance product subscription server 200 from the terminal device 290. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiver 270 through the communication means is included in the insurance application information in the image content received by the insurance product subscription server 200 from the terminal device 290. At least one of the insurance information included in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval approval information received through the insurance processing unit 230; At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content including one or more pieces of information in a watermarking manner. And at least one word processor file or web document file including MHT).

According to another exemplary embodiment of the present invention, the foreign insurance subscription electronic document received by the electronic document receiving unit 270 through the communication means is received by the insurance product subscription server 200 from the terminal device 290. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content, the insurance application information, and the insurance approval information received through the insurance processing unit 230. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiver 270 through the communication means is included in the insurance application information in the image content received by the insurance product subscription server 200 from the terminal device 290. At least one of the insurance information included in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval approval information received through the insurance processing unit 230; Image content including at least one information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the insurance application information and the insurance approval information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make.

The information generating unit 275 is a predetermined electronic document unique number (or unique information) to be assigned to the foreign insurance subscription electronic document received through the electronic document receiving unit 270, and through the electronic document receiving unit 270 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the foreigner-insured electronic document is stored).

According to an exemplary embodiment of the present invention, the information generation unit 275 refers to the insurance product subscription server 200 that transmits the foreign insurance subscription electronic document received through the electronic document receiver 270, and the foreign insurance. It is preferable to identify the financial institution that has sent the subscription electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 270 further receives a predetermined electronic document-related information from the insurance product subscription server 200, the information generating unit 275 receives the received information. Electronic document related information (e.g., customer information for creating an insurance application corresponding to the image content, and / or financial institution information for transmitting the foreign-insured electronic document, and / or electronic document file format information, and / or the It is preferable to generate electronic document management information further including insurance application information.

The electronic document storage unit 280 associates a foreign insurance insurance electronic document received through the electronic document receiving unit 270 with electronic document management information generated through the information generation unit 275 to process a predetermined electronic document D. / B 285, characterized in that.

According to the exemplary embodiment of the present invention, the foreign insurance insurance electronic document stored in the electronic document storage unit 280 in the electronic document D / B 285 is the insurance product subscription server 200 is the terminal device 290 It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 is the image content received by the insurance product subscription server 200 from the terminal device 290. In the insurance application information contained in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription approval information received through the insurance processing unit 230 is included It is preferable to include an image file corresponding to the image content including at least one or more information of the insurance policy number in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the foreign insurance insurance electronic document stored in the electronic document storage unit 280 in the electronic document D / B 285 is the insurance product subscription server 200 is the terminal device ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including image content received from 290, or Web document file including MHT).

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 may be stored in the image content received by the insurance product subscription server 200 from the terminal device 290. Customer information included in the insurance application information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription approval information received through the insurance processing unit 230 A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing image content including at least one of the insurance policy numbers in a watermarking manner. It is preferable to include a word processor file including at least one / DOC or the like, or a web document file including the MHT.

According to another embodiment of the present invention, the foreign insurance insurance electronic document stored in the electronic document storage unit 280 in the electronic document D / B (285) is the insurance product subscription server 200 is the terminal device A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing the image content received from 290, the insurance application information, and the insurance approval information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 may be stored in the image content received by the insurance product subscription server 200 from the terminal device 290. Customer information included in the insurance application information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription approval information received through the insurance processing unit 230 Image content including at least one or more information of the insurance policy number in a watermarking manner, a predetermined document file (eg, a Portable Document Format (PDF) file) including the insurance application information and the insurance approval information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). Be formed is preferred.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 285 by the electronic document storage unit 280 in association with the foreign insurance insured electronic document is the foreign insurance insured electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 285 by the electronic document storage unit 280 in association with the foreign insurance insured electronic document is registered in the foreign insurance. The insurance product subscription server 200 which transmitted the electronic document is preferably made to further include information on the financial institution that transmitted the foreign insurance subscription electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the insurance product subscription server 200, the electronic document storage unit 280 processes the connection with the foreign insurance subscription electronic document. The electronic document management information stored in the electronic document D / B 285 may include the received electronic document related information (for example, customer information in which an insurance application corresponding to the image content is prepared, and / or the foreign insurance subscription electronic document). Financial institution information, and / or electronic document file format information, and / or the insurance application information).

Referring to FIG. 2, the insurance company server 297 receives the insurance application information from the insurance product subscription server 200 to process whether the customer approves the insurance, and a predetermined insurance subscription corresponding to the processing result. Characterized in that the approval information is transmitted to the insurance product subscription server 200.

3 is a diagram illustrating an implementation method in which a storage medium 287 for storing insurance product information corresponding to insurance in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a case in which the storage medium 287 illustrated in FIG. 2 is the ledger D / B 300 provided in the DBMS on the financial system or the ledger D / B 300. Figure 3 shows an information structure for one embodiment of the insurance product information is stored in the ledger information provided in the ledger D / B 300, if the person having ordinary knowledge in the technical field to which the present invention belongs, While referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the insurance product information in the ledger D / B 300. However, the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (300) provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and The account ledger corresponding to the insurance subscribed through the illustrated insurance subscription system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention pertains may include The ledger D / B 300 provided in the DBMS on the financial system further includes at least one ledger and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that this is the case, and you will be familiar with the specific technical matters. Omitted.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Passport Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, and a minor.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the insurance, if the person having ordinary knowledge in the technical field to which the present invention belongs, the information contained in the account ledger and the additional information configuration Since the contents and features of the present invention will be clearly understood, detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the storage medium 287 is the ledger D / B 300 or includes an implementation method provided in the ledger D / B 300 according to an embodiment of the present invention. Insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information and the insurance account information included in the insurance application information provided through the insurance subscription system shown in FIG. And is stored in the form of additional information added to the account ledger.

The insurance company information preferably includes the company name of the insurance company that commissioned the insurance sales service to the financial company.

According to another embodiment of the present invention, the insurance application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information, and / or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

Figure 4 is a storage medium 405 for storing insurance product information corresponding to the insurance in a face-to-face according to another embodiment of the present invention is associated with the ledger D / B 400 provided in the DBMS on the financial system A diagram illustrating an implementation method including a database.

In more detail, FIG. 4 illustrates an information structure of an exemplary method in which the storage medium 287 illustrated in FIG. 2 includes a predetermined database linked to the ledger D / B 400 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 to associate the insurance product information with a ledger D / B 400 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 illustrates a case in which it is not easy to store the insurance product information in the ledger information of the ledger D / B 400 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of a financial institution). If it is not easy to change / B (400) or the system is not easy to expand due to the nature of the financial system), the insurance product information is stored in a predetermined database instead of the ledger D / B (400), and The implementation method of storing a database and the ledger D / B 400 by linking them is illustrated.

In addition, the database shown in FIG. 4 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 4, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 4, the storage medium 405 includes a database associated with the ledger D / B 400 provided in a DBMS on a financial system. And insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and the insurance account information included in the information, wherein the insurance product information includes: Preferably, the insurance product information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 400.

FIG. 5 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium 405 for storing insurance product information corresponding to insurance in a face-to-face manner according to another embodiment of the present invention. .

In more detail, FIG. 5 illustrates a predetermined banking system in which the storage medium 287 illustrated in FIG. 2 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modified in Figure 5 It is possible to infer a method of constructing information on insurance product information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5, in which the storage medium 405 includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention, a predetermined DBMS provided in the banking server is included in the insurance application information. And insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information and the insurance account information.

6a and 6b show a terminal terminal in which the terminal device 290 on the insurance system shown in FIG. 2 is provided at a branch (or branch) of a financial institution, and the insurance product subscription server 200 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the customer, a predetermined customer can receive information about the insurance for the foreign passport holder's insurance. If you fill out and submit an insurance application form including at least one information, passport information, insurance product information, insurance company information, and customer approval information, the financial institution will provide a face-to-face insurance system based on the insurance application. Specifically, when the customer fills out the insurance application form and submits it to the window with the passport of the customer, the window After the terminal acquires the predetermined image content corresponding to the insurance application and the predetermined image content corresponding to the passport of the customer through a predetermined image acquisition device and transmits the predetermined image content to the insurance product subscription server 200, the insurance application Enter (or select) insurance application information corresponding to the insurance product subscription server 200, the insurance product subscription server 200, the customer information, direct debit account information, passport information, insurance product information, The insurance application information is processed in connection with a predetermined insurance company server 297 based on the insurance application information including at least one insurance company information and customer approval information, and predetermined insurance subscription approval information corresponding to the processing result is obtained. It shows a method of implementing the insurance provided to receive the insurance.

Those skilled in the art to which the present invention pertains, various implementations of registering the insurance application information with the insurance product subscription server 200 in the window terminal by referring to and / or modifying the drawings 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, the implementation method illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the insurance application, the passport of the customer and the insurance approval information, and storing the electronic document in an electronic document repository. However, the above process can be omitted according to the intention of those skilled in the art, whereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the insurance application and a passport of the customer through a predetermined image acquisition device. Although the user interface for acquiring predetermined image content corresponding to the above and inputting (or selecting) insurance application information corresponding to the insurance application is illustrated as being provided from the insurance product subscription server 200, the window is described. When a predetermined information registration program is provided in the terminal, the user interface may not be provided from the insurance product subscription server 200, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the insurance product subscription server 200 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 6A and 6B, an insurance for a given customer includes at least one of customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information for insurance of a foreign passport holder. After completing the application form and submitting it together with the customer's passport, the counter terminal shown in FIG. 2 is connected to the server through a predetermined financial network and connected to the server through a predetermined communication channel. If the holder requests a user interface for insurance insurance (600a), the server corresponds to the predetermined image content corresponding to the insurance application written by the customer and the passport of the customer through a predetermined image acquisition device in the terminal. Generating a user interface for acquiring the corresponding predetermined image content and transmitting the same to the server; Extraction) and (605a), and transmits and outputs the generated user interface (or extract) through the financial network to the terminal (610a).

Thereafter, the terminal acquires image contents corresponding to the insurance application and image contents corresponding to the passport of the customer through a predetermined image obtaining apparatus based on the user interface (615a).

If the image content corresponding to the insurance application and the image content corresponding to the passport of the customer are obtained through the image acquisition device (620a), the terminal transmits the acquired image content to the server through the financial network. (625a).

Thereafter, the server inputs insurance application information including at least one of customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information corresponding to the insurance application matching the image content (or Selects and generates (or extracts) a user interface for transmission to the server (630a), and transmits and generates the generated (or extracted) user interface to the terminal through the financial network (635a).

Thereafter, the terminal inputs (or selects) insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the user interface (640a). ).

If insurance application information including at least one or more of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information is input (or selected) through the user interface (645a), the terminal 650a transmits the insurance application information input (or selected) to the server through the financial network.

Subsequently, the server receives and reads insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the financial network. Validate for (600b).

According to the embodiment of the present invention, the validity of the insurance application information is registered at least one or more ledger information matching the insurance application information in the ledger D / B 400 on the financial system associated with the insurance subscription system It is preferable to include checking whether there is.

For example, the validity of the insurance application information may be determined by checking the customer information (customer information, membership information, etc.) among the information included in the insurance application information. It is preferably made to include matching with the customer ledger stored in 400).

In addition, the validity of the insurance application information is confirmed by the passport information included in the insurance application information and the passport image content through the predetermined passport information authentication unit 260, the Ministry of Foreign Affairs and Trade server 292 or the foreign passport issuance server 295 It is preferable to include a) to verify the validity of the passport information included in the insurance application information by sending.

The validity check of the insurance application information includes the direct debit account information included in the insurance application information in the ledger D / B 400 on the financial system linked to the insurance subscription system. It is preferable to include checking whether at least one matching ledger information is registered.

If the validity of the insurance application information is not authenticated (605b), the server generates predetermined error information and transmits it to the terminal (610b), and does not perform an insurance subscription procedure corresponding to the insurance application information.

On the contrary, if the validity of the insurance application information is authenticated (605b), the server transmits the insurance application information to the insurance company server 297 through a financial common network in association with a financial system (615b).

Thereafter, the insurance company server 297 processes the insurance application information received from the server and transmits the insurance approval approval information corresponding to the processing result to the server through a financial common network (620b).

Thereafter, the server receives the insurance approval approval information from the insurance company server 297 and confirms the insurance subscription approval (625b).

If the insurance subscription is rejected (630b), the server transmits an error code included in the insurance approval approval information to the terminal (635b), and does not perform an insurance subscription procedure corresponding to the insurance application information.

If the insurance is approved (630b), the server generates a predetermined foreign insurance insurance electronic document containing the image content (640b).

According to one embodiment of the invention, the server is an foreign insurance for the insurance of the foreign passport holder as the image file containing the image content received from the terminal device 290 through the image receiving unit 220 as it is It is desirable to treat it as a subscription electronic document.

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking at least one or more of passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information received through the insurance processing unit 230; It is preferable to generate a foreign insurance subscription electronic document for the insurance of the foreign passport holder of the image file corresponding to the image content included in the method.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 290 through the image receiving unit 220. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a subscription electronic document.

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking at least one or more of passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information received through the insurance processing unit 230; Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content. To generate insurance documents for the foreign passport holder by generating a word processor file or a web document file including MHT). It is desirable to create a foreign insurance electronic documents.

According to another embodiment of the present invention, the server is the image content received from the terminal device 290 through the image receiving unit 220 and insurance application information received through the information receiving unit 215 and the At least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the insurance approval information received through the insurance processing unit 230. By generating a word processor file including the above, or a web document file including the MHT), it is preferable to generate a foreign insurance subscription electronic document for insurance of the foreign passport holder.

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking at least one or more of passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information received through the insurance processing unit 230; Generating an image content including the image content; and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content, the insurance application information, and the insurance approval information. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT). As a result, it is preferable to generate a foreign insurance subscription electronic document for insurance of the foreign passport holder.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate foreign insurance insurance electronic documents in an image file format and / or a predetermined document file format, and correspond to the foreign insurance insurance electronic documents. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated foreign insurance insurance electronic document in a predetermined electronic document storage (645b).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 265 and an electronic document D / B 285 connected to a server on the insurance system through predetermined communication means. When provided, the server preferably transmits the generated foreign insurance subscription electronic document to the electronic document server 265 through the communication means to store in the electronic document D / B (285).

Or, if the electronic document storage is provided on the DBMS provided in the insurance system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the insurance system to the generated foreign insurance subscription system It is possible to store in the document D / B 285, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the foreign insurance insurance electronic document in the electronic document storage may be performed by linking the generated foreign insurance insurance electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 285.

Here, it is preferable that the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the foreign insurance insured electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the foreign insurance subscription electronic document.

Further, the electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing an insurance application corresponding to the image content, and / or financial institution information for transmitting the foreigner insurance electronic document, and / or electronic). Document file format information, and / or the insurance application information).

If the foreign insurance subscription electronic document is stored in the electronic document storage (650b), the server is linked to the financial system, the customer information, direct debit account information, passport information, insurance product information included in the insurance application information Based on the insurance company information, the customer approval information, and the insurance policy number included in the insurance approval information, an insurance account under the customer's name is opened (655b).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in insurance application information in association with the financial system (or checks a customer ledger that is matched with the customer information and provided). And generating predetermined account ledger information based on the insurance application information and insurance subscription approval information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the insurance application information. It is characterized by opening a predetermined insurance account for insurance of foreign passport holders.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, it is preferable that the server creates a predetermined ledger in the ledger D / B 400 in association with the financial system.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is desirable to request the ledger D / B 400 on the financial system to create a predetermined ledger.

Thereafter, the server includes at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information generated by the insurance account processor 250 included in the insurance application information. The insurance product information is stored in a predetermined storage medium 405 (660b).

According to an embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server includes the customer information and insurance company included in the received insurance application information. Preferably, the storage medium 405 stores insurance product information including at least one of information, insurance policy number, direct debit account number, employee information, and insurance account information.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in a DBMS provided on a financial system, the server includes the customer information, insurance company information, and insurance policy number included in the received insurance application information. It is preferable that the insurance product information including at least one or more of the direct debit account number, employee information and the insurance account information is provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

Thereafter, the server records predetermined insurance registration history information (eg, a history of opening an insurance account corresponding to the insurance, and / or a history of storing the alien insurance electronic document in the electronic document repository, and / or the storage). A record of storing the insurance application information in the medium 405) is generated (or extracted) and transmitted to the terminal (665b).

According to one embodiment of the invention, the storage medium 405 is preferably provided in a DBMS on a financial system provided on the insurance system (or associated with the insurance system), wherein the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 400, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 405 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the insurance system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate an insurance subscription process for insurance of a foreign passport holder in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 290 on the insurance system shown in FIG. 2 is provided at a branch (or branch) of a financial institution, and the insurance product subscription server 200 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the customer, a predetermined customer can receive information about the insurance for the foreign passport holder's insurance. If you fill out and submit an insurance application form including at least one information, passport information, insurance product information, insurance company information, and customer approval information, the financial institution will provide a face-to-face insurance system based on the insurance application. Specifically, when the customer fills out the insurance application form and submits it to the window with the passport of the customer, the window In the end, the insurance application information corresponding to the insurance application is input (or selected) and transmitted to the insurance product subscription server 200, and then the predetermined image content corresponding to the insurance application and the predetermined image acquisition device through the predetermined image acquisition device. Obtaining the image content corresponding to the customer's passport and transmitting to the insurance product subscription server 200, the customer information, direct debit account information, passport information, insurance product information, insurance company information in the insurance product subscription server 200 Processing the insurance application information in connection with a predetermined insurance company server 297 based on the insurance application information including at least one customer approval information, and receiving predetermined insurance approval approval information corresponding to the processing result; It shows the implementation method of subscribing to the said insurance.

Those skilled in the art to which the present invention pertains, various implementations of registering the insurance application information with the insurance product subscription server 200 in the window terminal by referring to and / or modified in this figure 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the insurance application and storing it in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the insurance application and a passport of the customer through a predetermined image acquisition device. Although the user interface for acquiring image contents corresponding to and receiving (or selecting) insurance application information corresponding to the insurance application is illustrated as being provided from the insurance product subscription server 200, it is described in the window terminal. When a predetermined information registration program is provided, the user interface may not be provided from the insurance product subscription server 200, and thus the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the insurance product subscription server 200 shown in Figure 2 is referred to as "server" for convenience, and the window terminal In the insurance product subscription server 200, the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information is referred to as "insurance application information" for convenience.

Referring to FIGS. 7A and 7B, an insurance application includes a predetermined customer including at least one of customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information for insurance of a foreign passport holder. After the form is submitted, the terminal shown in FIG. 2 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that a user for insurance of a foreign passport holder corresponding to the insurance application can be purchased. When requesting the interface 700a, the server correspondingly includes at least one of customer information, direct debit account information, passport information, insurance product information, insurance company information and customer approval information corresponding to the insurance application prepared by the customer. Create (or extract) a user interface for entering (or selecting) insurance application information and sending it to the server. In step 705a, the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (710a).

Thereafter, the terminal inputs (or selects) insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the user interface (715a). ).

If the insurance application information including at least one or more of the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information is input (or selected) through the user interface (720a), the terminal In operation 725a, the insurance application information input (or selected) is transmitted to the server through the financial network.

Subsequently, the server receives and reads insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the financial network. Validate for (730a).

For example, the validity of the insurance application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the insurance application information. It is preferably made to include matching with the customer ledger stored in 400.

If the validity of the insurance application information is not authenticated (735a), the server generates predetermined error information and transmits it to the terminal (740a), and does not perform an insurance subscription procedure corresponding to the insurance application information.

On the contrary, if the validity of the insurance application information is authenticated (735), the server transmits the insurance application information to the insurance company server 297 through a financial common network in association with a financial system (745a).

Thereafter, the insurance company server 297 processes the insurance application information received from the server and transmits the insurance approval approval information corresponding to the processing result to the server through the financial common network (750a).

In addition, the insurance subscription approval information processes the insurance application information received from the insurance processing unit 230 in the insurance company server 297 and the insurance policy number is approved in response to the processing result. It is preferable to include.

Thereafter, the server receives the insurance approval approval information from the insurance company server 297 and checks the insurance subscription approval (755a).

If the insurance subscription is rejected (760a), the server transmits an error code included in the insurance approval approval information to the terminal (765a), and does not perform an insurance subscription procedure corresponding to the insurance application information.

If the insurance is approved (760a), the server is predetermined image content corresponding to the insurance application prepared by the customer and the predetermined image content corresponding to the passport of the customer through a predetermined image acquisition device in the terminal; Acquire and generate (or extract) a user interface for transmitting to the server (770a), and transmits the generated (or extracted) user interface to the terminal through the financial network (775a).

Thereafter, the terminal acquires image content corresponding to the insurance application and image content corresponding to the passport of the customer through a predetermined image acquisition device based on the user interface (700b).

If the image contents corresponding to the insurance application and the image contents corresponding to the passport of the customer are obtained through the image acquisition device (705b), the terminal transmits the acquired image contents to the server through the financial network. 710b.

The server, having received the insurance application information and the image contents from the terminal, generates a predetermined foreign insurance insurance electronic document including the image contents (715b).

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking method of at least one or more of the information of the insurance policy included in the passport information, insurance product information, insurance company information, customer approval information, and insurance approval information received through the insurance processing unit 230 It is preferable to generate an alien insurance subscription electronic document for the insurance of the foreign passport holder to the image file corresponding to the image content to include.

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking method of at least one or more of the information of the insurance policy included in the passport information, insurance product information, insurance company information, customer approval information, and insurance approval information received through the insurance processing unit 230 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content. A foreign word for insurance of the foreign passport holder by generating a word processing file including the word processor file or a web document file including the MHT). It is desirable to create an electronic insurance document.

According to another embodiment of the present invention, the server is the image content received from the terminal device 290 through the image receiving unit 220 and insurance application information received through the information receiving unit 215, A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) including the insurance policy number included in the insurance approval approval information received through the insurance processing processor 230, Or a word processor file including at least one of HWP / DOC, a web document file including MHT, etc.), to generate a foreign insurance subscription electronic document for insurance of the foreign passport holder. .

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking method of at least one or more of the information of the insurance policy included in the passport information, insurance product information, insurance company information, customer approval information, and insurance approval information received through the insurance processing unit 230 A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including an image content including the generated image content and the generated image content, the insurance application information, and the insurance approval information. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is preferable to generate a foreign insurance subscription electronic document for insurance of the foreign passport holder.

Thereafter, the server stores the generated foreign insurance subscription electronic document in a predetermined electronic document storage box (720b).

Or, if the electronic document storage is provided on a DBMS provided in the insurance system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the insurance system to the generated foreign insurance subscription electronic document It is possible to store in the document D / B 285, whereby the present invention is not limited.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the foreign insurance subscription electronic document and the electronic document storage date and time information.

If the foreign insurance subscription electronic document is stored in the electronic document storage (725b), the server is linked to the financial system, the customer information, direct debit account information, passport information, insurance product information included in the insurance application information Based on the insurance company number included in the insurance company information, the customer approval information and the insurance approval information, the insurance account under the customer's name is opened (730b).

Thereafter, the server includes at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information generated by the insurance account processor 250 included in the insurance application information. Insurance product information is stored in a predetermined storage medium 405 (735b).

According to an exemplary embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server includes the customer information and insurance company included in the received insurance application information. Preferably, the storage medium 405 stores insurance product information including at least one of information, insurance policy number, direct debit account number, employee information, and insurance account information.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in a DBMS provided on a financial system, the server includes the customer information, insurance company information, and insurance policy number included in the received insurance application information. It is preferable that the insurance product information including at least one or more of the direct debit account number, employee information and the insurance account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server records predetermined insurance registration history information (eg, a history of opening an insurance account corresponding to the insurance, and / or a history of storing the alien insurance electronic document in the electronic document repository, and / or the storage). A record of storing the insurance application information in the medium 405) is generated (or extracted) and transmitted to the terminal (740b).

8A and 8B illustrate an insurance subscription process for insurance of a foreign passport holder in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals in which a terminal device 290 on the insurance system shown in FIG. 2 is provided at a branch (or branch) of a financial institution, and the insurance product subscription server 200 is predetermined. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network of the customer, a predetermined customer can receive information about the insurance for the foreign passport holder's insurance. If you fill out and submit an insurance application form including at least one information, passport information, insurance product information, insurance company information, and customer approval information, the financial institution will provide a face-to-face insurance system based on the insurance application. Specifically, when the customer fills out the insurance application form and submits it to the counter along with the passport of the client, the counter The terminal acquires predetermined image contents corresponding to the insurance application and predetermined image contents corresponding to the passport of the customer through a predetermined image acquisition device, and inputs (or selects) insurance application information corresponding to the insurance application. Then, if the image content and the insurance application information is transmitted to the insurance product subscription server 200, the insurance product subscription server 200, the customer information, direct debit account information, passport information, insurance product information, insurance company Process the insurance application information in connection with a predetermined insurance company server 297 based on the insurance application information including at least one information, customer approval information, and provide predetermined insurance approval information corresponding to the processing result. It shows the implementation method of receiving and processing the said insurance.

Those skilled in the art to which the present invention pertains, various implementations of registering the insurance application information with the insurance product subscription server 200 in the window terminal by referring to and / or modified in this figure 8a and 8b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 8A and 8B.

For example, although the implementation method shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the insurance application and storing it in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 8A and 8B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the insurance application and a passport of the customer through a predetermined image acquisition device. Although the user interface for acquiring image contents corresponding to and receiving (or selecting) insurance application information corresponding to the insurance application is illustrated as being provided from the insurance product subscription server 200, it is described in the window terminal. When a predetermined information registration program is provided, the user interface may not be provided from the insurance product subscription server 200, and thus the present invention is not limited thereto.

In the following Figures 8a and 8b, the window terminal shown in Figure 2 is referred to as a "terminal" for convenience, and the insurance product subscription server 200 shown in Figure 2 is referred to as a "server" for convenience, and the window terminal In the insurance product subscription server 200, the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information is referred to as "insurance application information" for convenience.

Referring to FIGS. 8A and 8B, an insurance application includes a predetermined customer including at least one of customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information for insurance of a foreign passport holder. After the form is submitted, the terminal shown in FIG. 2 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, so that a user for insurance of a foreign passport holder corresponding to the insurance application can be purchased. When requesting the interface (800a), the server correspondingly inputs (or selects) the insurance application information corresponding to the insurance application prepared by the customer in the terminal, and corresponding to the insurance application through a predetermined image acquisition device Acquiring image content corresponding to the predetermined image content and the passport of the customer and transmitting the image content to the server A user interface for generating (or extracting) a user interface (805a) and transmitting the generated (or extracted) user interface to the terminal through the financial network and outputs (810a).

Thereafter, the terminal inputs (or selects) insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the user interface (815a). ).

If insurance application information including at least one or more of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information is input (or selected) through the user interface (820a), the terminal Based on the user interface, the controller acquires image contents corresponding to the insurance application and image contents corresponding to the passport of the customer through a predetermined image obtaining apparatus (825a).

If the image content corresponding to the insurance application and the image content corresponding to the passport of the customer are obtained through the image acquisition device (830a), the terminal transmits the insurance application information and the image content to the server through the financial network. 835a.

Subsequently, the server receives and reads insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the financial network. Validate for (800b).

If the validity of the insurance application information is not authenticated (805b), the server generates predetermined error information and transmits it to the terminal (810b), and does not perform an insurance subscription procedure corresponding to the insurance application information.

On the contrary, if the validity of the insurance application information is authenticated (805b), the server transmits the insurance application information to the insurance company server 297 through a financial common network in association with a financial system (815b).

Subsequently, the insurance company server 297 processes the insurance application information received from the server and transmits the insurance approval approval information corresponding to the processing result to the server through a financial common network (820b).

Thereafter, the server receives the insurance approval information from the insurance company server 297 and confirms the insurance approval (825b).

If the insurance is denied approval (830b), the server transmits an error code included in the insurance approval approval information to the terminal (835b), and does not perform an insurance subscription procedure corresponding to the insurance application information.

If the insurance is approved (830b), the server generates a predetermined foreign insurance insurance electronic document containing the image content (840b).

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking at least one or more of passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information received through the insurance processing unit 230; It is preferable to generate an alien insurance subscription electronic document for insurance of the alien passport holder with an image file corresponding to the image content included in the method.

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking at least one or more of passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information received through the insurance processing unit 230; Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content. By generating a word processor file including the above, or a web document file including the MHT). It is desirable to create a foreign insurance insurance electronic document.

Alternatively, the server may include customer information, direct debit account information, included in the insurance application information received through the information receiver 215 in the image content received from the terminal device 290 through the image receiver 220, Watermarking at least one or more of passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information received through the insurance processing unit 230; Generating an image content including the image content; and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content, the insurance application information, and the insurance approval information. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT). Written, it is desirable to create a foreign insurance electronic documents for the insurance of the foreign passport holders.

Thereafter, the server stores the generated foreign insurance subscription electronic document in a predetermined electronic document storage (845b).

If the foreign insurance subscription electronic document is stored in the electronic document storage (850b), the server is linked to the financial system, the customer information, direct debit account information, passport information, insurance product information included in the insurance application information In operation 855b, an insurance account under the customer's name is opened based on the insurance company information, the customer approval information, and the insurance policy number included in the insurance approval information.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in insurance application information in association with the financial system (or checks a customer ledger that is matched with the customer information and is provided. ), By generating predetermined account ledger information based on the insurance application information and the insurance policy number, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the insurance application information. It is characterized by opening a predetermined insurance account for insurance of foreign passport holders.

Thereafter, the server includes at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information generated by the insurance account processor 250 included in the insurance application information. The insurance product information is stored in a predetermined storage medium 405 (860b).

Thereafter, the server records predetermined insurance registration history information (eg, a history of opening an insurance account corresponding to the insurance, and / or a history of storing the alien insurance electronic document in the electronic document repository, and / or the storage). The history of storing the insurance application information on the medium 405) is generated (or extracted) and transmitted to the terminal (865b).

9 is a diagram illustrating a non-face-to-face insurance insurance system for insurance of a foreign passport holder according to another embodiment of the present invention.

In more detail, FIG. 9 includes at least one predetermined customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through a predetermined insurance subscription interface. When the insurance application information is provided to the financial institution, the financial institution processes the insurance application information in association with a predetermined insurance company server 985 based on the insurance application information, and the predetermined insurance corresponding to the processing result. Receiving the subscription approval information to subscribe to the insurance for the insurance of the foreign passport holder, the insurance subscription system for setting up a predetermined insurance account for managing the insurance, which is usually in the technical field to which the present invention belongs If you have knowledge of the above, refer to and / or modify this drawing 9 to apply for insurance for foreign passport holders. Would be able to infer a variety of exemplary methods for the subscription system test configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to, and / or modify, the insurance insurance system, which omits an implementation method of storing the foreign insurance electronic document in the electronic document storage. In addition, in the case where the foreign insurance insurance electronic document is stored in the electronic document storage, the electronic document storage is provided in the DBMS located in the insurance insurance system in addition to the implementation method shown in FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the alien insurance subscription electronic document is described as being generated on the server side on the insurance system, but the present invention is not limited thereto. The subscription electronic document may be generated at the terminal side which inputs (or selects) the insurance application information and transmits the insurance application information. Production), thereby not limiting the invention.

Hereinafter, the insurance application information is provided in connection with the insurance company server 985 to receive the insurance application information from the customer through a predetermined insurance interface on the insurance system shown in FIG. 9 so that the customer subscribes to the insurance. And a component corresponding to at least one or more means and / or functional configurations for generating a predetermined foreign insurance subscription electronic document and storing it in a predetermined electronic document storage, for convenience, " insurance product subscription server 900 " It is called.

Referring to FIG. 9 according to an embodiment of the present invention, an insurance subscription system for insurance of a foreign passport holder includes at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 990 including the above, the terminal device 990 is connected to the insurance product subscription server 900 provided on the insurance system through a predetermined network means communication channel do.

According to an embodiment of the present invention, the customer accesses the insurance product subscription server 900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the insurance application information for the insurance of the foreign passport holder is input (or selected) through at least one user interface provided by the insurance product subscription server 900, the client terminal receives the insurance application information through a predetermined network means. It is preferable to transmit to the insurance product subscription server 900 provided on the insurance subscription system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 990 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 990 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 990 connected to an x-based mobile Internet and / or all terminal devices 990 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

The insurance product subscription server 900 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the insurance product subscription server 900 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the insurance product subscription server 900, and inputs and / or selects at least one information through the user interface to the insurance product subscription server 900 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the insurance product subscription server 900, etc.) for transmitting to the service is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the insurance insurance system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the insurance product subscription server 900. And / or the wireless communication network performs a function of an insurance subscription interface for the customer to register insurance application information for insurance of the foreign passport holder.

According to another exemplary embodiment of the present invention, the terminal device 990 is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal, and an ATM (cash dispenser). It may further comprise a financial automatic device (not shown) including a cash dispenser (CD), and / or a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the insurance insurance system as described above, when the terminal device 990 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the insurance product subscription server. The financial network connecting 900 performs a function of an insurance subscription interface for the customer to register insurance application information for the insurance of the foreign passport holder, and / or the terminal device 990 to the call terminal. (Not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the insurance product subscription server 900 may be used by the customer of the foreign passport holder. Performs a function of an insurance subscription interface for registering insurance application information for insurance, and / or is provided in an institution affiliated with the financial institution, which is the terminal device 990. In the case of a terminal (and / or server) (not shown), the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the insurance product subscription server 900 is connected The network performs the function of the insurance subscription interface for the customer to register the insurance application information for the insurance of the foreign passport holder.

The storage medium 987 provided on the insurance subscription system according to the present invention includes the customer information, insurance company information, insurance policy number, direct debit account number, included in the insurance application information provided from the terminal device 990, And insurance product information including at least one employee information and the insurance account information.

Preferably, the customer approval information includes customer agreement information indicating that the customer agrees to join the insurance product when the customer subscribes to the insurance product.

The insurance policy number is for the customer to subscribe to the insurance insurance product contracted by the insurance company in the financial institution, if the insurance application information provided to the insurance company, the insurance company subscribes based on the insurance application information provided It is desirable to include the insurance policy number provided with the approval and insurance approval.

The insurance account information is that when the customer subscribes to insurance insurance products commissioned sales service from the insurance company in the financial institution, the financial company opens an account corresponding to the insurance that the customer subscribed, and corresponds to the opened account It is preferable to include account information.

According to one embodiment of the invention, the storage medium 987 is preferably provided in a DBMS on a financial system provided on the insurance system (or associated with the insurance system), wherein the storage medium Reference numeral 987 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 987 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the insurance system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The insurance product subscription server 900 provided on the insurance system according to the present invention is a generic term for the insurance system side components connected to the terminal device 990 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the insurance product subscription server 900. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the outside world on the financial system, whereby Not determined

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the insurance product subscription server 900 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the insurance product subscription server 900 may perform the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the insurance product subscription server 900 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the insurance product subscription server 900 includes an interface unit 905 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 990 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 905 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the insurance product subscription server 900, the interface unit 905 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a financial automation device connected to a predetermined financial network, the interface unit 905 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 905 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to a WAP (13lessless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 905 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (13 wireless markup language) compliant web page, or an HTML compliant web page) and / or information using a WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the insurance product subscription server 900, the interface unit 905 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 905 may use the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 905 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, when the insurance terminal subscription server 900 connects a predetermined communication channel with the insurance product subscription server 900 through the interface unit 990, Generate (or extract) at least one user interface for inputting (or selecting) predetermined insurance application information from the terminal device 990 to purchase insurance of a foreign passport holder and transmitting it to the insurance product subscription server 900. And an interface providing unit 910 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 990 in association with the interface unit 905, and the terminal device 990. When the insurance application information is input (or selected) through the user interface and transmitted, the insurance policy transmitted from the terminal device 990 in association with the interface unit 905. Characterized in that formed by an information receiving unit 915 (or an information receiving means) for receiving information.

The interface provider 910 connects the insurance product subscription server 900 and a predetermined communication channel through the interface unit 905 to the insurance product subscription server 900. When requesting a user interface for insurance of the foreign passport holder, the terminal apparatus 990 inputs (or selects) predetermined insurance application information and transmits the insurance application information to the insurance product subscription server 900 through the network means. Generate at least one user interface, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 905 via the network means. Characterized in that provided to the terminal device (990).

According to an embodiment of the present invention, when the terminal device 990 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 910 is a browser program provided in the client terminal and / Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a financial automation device connected to a predetermined financial network, the interface providing unit 910 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 910 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 905.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 910 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 905 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 990 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 910 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 905.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined insurance application information to the terminal device 990 and transmitting the insurance application information to the insurance product subscription server 900 through the network means. In the case where a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined insurance application information as described above and transmitting the insurance application information to the insurance product subscription server 900 is generated (or extracted). The interface providing unit 910 provided to the terminal device 990 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 990 inputs (or selects) insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the user interface. And the insurance application information inputted (or selected) to the insurance product subscription server 900 through the network means. In response thereto, the information receiving unit 915 is connected to the interface unit 905. The insurance application information transmitted from the terminal device 990 is received.

According to an embodiment of the present invention, the terminal device 990 may include the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and at least one insurance application information including the insurance product. At least one or more additional passwords and / or security card information and / or OTP codes generated through a predetermined one time password (OTP) generator for checking the validity of the insurance application information in the subscription server 900. It is preferable to transmit to the insurance product subscription server 900 through the network means.

According to an embodiment of the present invention, the terminal device 990 may include at least one insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information. Encrypt using an encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or the insurance application information It is preferable to transmit a predetermined electronic signature to the insurance product subscription server 900 via the network means, and for this purpose, the terminal device 990 is provided with at least one encryption key corresponding to the encryption method. Or, and / or have a predetermined certificate containing at least one encryption key, and / or the certificate Is provided on a predetermined IC chip (or IC card), it is preferable that a card reader for confirming the official certificate provided on the IC chip (or IC card) is provided.

Those of ordinary skill in the art will be familiar with the technical features of various encryption schemes for encrypting the insurance application information, and the technical features of attaching a predetermined electronic signature to the insurance application information. Therefore, detailed description thereof will be omitted for convenience.

9, the insurance product subscription server 900 receives the insurance application information transmitted from the terminal device 990 through the information receiver 915, and the received insurance application information is the foreign passport. Characterized in that it comprises a validity confirming unit 920 (or validity confirming means) for confirming whether the holder satisfies the validity for insurance.

According to an embodiment of the present invention, the insurance application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange). When encrypted with a based encryption method, the validity verification unit 920 at least one decryption method (eg, symmetric key based decryption method and / or public key) corresponding to the encrypted insurance application information Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received insurance application information.

Alternatively, when a predetermined electronic signature is attached to the insurance application information, the validity confirming unit 920 verifies the validity of the received insurance application information by checking the electronic signature attached to the insurance application information. desirable.

Those skilled in the art should understand the technical features of various decryption methods for decrypting the encrypted insurance application information, and the technical features for confirming the electronic signature attached to the insurance application information. Since it will be, a detailed description thereof will be omitted for convenience.

When the insurance application information received through the information receiving unit 915 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the insurance application information, the validity confirmation unit 920 is It is preferable to authenticate the validity of the received insurance application information by comparing and authenticating the password included in the insurance application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the insurance application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the insurance application information, the validity confirming unit 920 may apply the insurance application. It is preferable to authenticate the validity of the received insurance application information by comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the insurance application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the insurance application information, the validity confirming unit 920 may apply the insurance application. By comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, it is possible to authenticate the validity of the received insurance application information. desirable.

In addition, the validity confirmation of the insurance application information is the passport information included in the insurance application information and the passport image content through the predetermined passport information authentication unit 955, Ministry of Foreign Affairs and Trade server 995 or foreign passport issuance server 998 It is preferable to include a) to verify the validity of the passport information included in the insurance application information by sending.

The validity of the insurance application information is preferably confirmed by transmitting the passport information and passport image contents included in the insurance application information to the Ministry of Foreign Affairs and Trade server 995 or foreign passport issuance server 998, If the passport issuing server is not provided in the customer's country, or if it is not connected to the passport issuing server provided in the customer's country through a communication network, the Ministry of Foreign Affairs and Trade Server (excluding the foreign passport issuing server 998) ( 995), preferably by sending passport information to check the validity.

The validity check of the insurance application information includes at least one in which the direct debit account information included in the insurance application information matches the direct debit account information included in the insurance application information in the ledger D / B on the financial system linked to the insurance subscription system. It is preferable to include checking whether one or more ledger information is registered.

9, the insurance product subscription server 900 confirms the validity corresponding to the insurance application information received from the information receiver 915, and the insurance application server 985 checks the validity of the insurance application information. An insurance processing unit 925 (or an insurance processing unit) for transmitting the insurance application information and receiving insurance approval approval information from the insurance company server 985 in response to the transmitted insurance application information; In response to the insurance approval approval information received through the insurance processing unit 925, characterized in that it is provided with an information confirmation unit 930 (or information confirmation means) for confirming whether the insurance approval.

The insurance processing unit 925 receives the insurance application information validated through the validity confirming unit 920 and transmits the insurance application information to the insurance company server 985 through a financial common network in connection with the financial system. It is characterized in that for receiving the insurance approval information from the insurance company server 985 and providing it to the information verification unit 930.

According to the embodiment of the present invention, the insurance subscription processing unit 925 receives the insurance application information validated through the validity confirming unit 920 and the insurance company server through a financial common network in connection with the financial system. The insurance company server 985 processes the received insurance application information and transmits the insurance approval approval information corresponding to the processing result to the insurance processing unit 925 through a financial common network. The insurance processing unit 925 preferably receives the insurance approval information and provides it to the information verification unit 930.

The information confirming unit 930 receives the insurance approval approval information from the insurance processing unit 925 and checks whether the insurance is approved.

According to the exemplary embodiment of the present invention, the information checking unit checks the insurance approval information provided from the insurance processing unit 925 and when the insurance is approved, the insurance policy number included in the insurance approval information. It is preferable to store the information in the storage medium 987 through the information storage unit 950.

According to another exemplary embodiment of the present invention, the information checking unit 930 checks the insurance approval approval information provided from the insurance processing unit 925 and when the insurance is rejected, the interface unit 905. It is preferable to transmit the error code included in the insurance approval information in connection with the terminal device 990.

According to an exemplary embodiment of the present invention, when the insurance approval information is received by the insurance company server 985 from the insurance processing unit 925, the insurance application information is processed, the received insurance application information is processed into a processing result. It is preferable to include corresponding insurance approval information.

The insurance approval information may include the insurance policy number when the insurance application is approved in response to a processing result by processing the insurance application information received from the insurance processing unit 925 in the insurance company server 985. It is desirable to.

In addition, the insurance subscription approval information processes the insurance application information received from the insurance processing unit 925 in the insurance company server 985 and responds to the rejection of the insurance when the insurance subscription is rejected in response to a processing result. It is preferable to include an error code.

According to another exemplary embodiment of the present invention, it is preferable that the insurance approval information includes the insurance approval information corresponding to a processing result by processing the insurance application information in the insurance company server 985. Accordingly, it is possible to include information determined by the implementer (for example, insurance period, payment amount, and other information determined by the implementer), and the present invention is not limited thereto.

Referring to FIG. 9, the insurance product subscription server 900 is validated with respect to the insurance application information through the validity verification unit 920, and the insurance through the insurance subscription processing unit 925 and the information verification unit. If the subscription is approved, the electronic document generation unit 935 (or electronic document generating means) for generating a predetermined foreign insurance subscription electronic document including the received insurance application information, and the generated foreign insurance subscription electronic document And an electronic document transmission unit 940 (or electronic document transmission means) for transmitting to an electronic document repository associated with the insurance subscription system.

In addition, the insurance product subscription server 900, if the insurance subscription is rejected through the information verification unit 930, the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information It may be further provided with an electronic document generation unit 935 for generating a predetermined foreign insurance coverage electronic document including insurance application information including at least one and the error code information included in the insurance approval information.

The electronic document generating unit 935 includes insurance included in the insurance application information received from the terminal device 990 through the information receiving unit 915 and the insurance approval information received from the insurance processing unit 925. Characterized by generating a foreign insurance coverage electronic document including a security number.

According to an exemplary embodiment of the present invention, the electronic document generation unit 935 may include customer information, direct debit account information, passport information, insurance product information, insurance company included in the insurance application information received through the information receiving unit 915. Document content including information, customer approval information, and at least one insurance policy number included in the insurance approval approval information received through the insurance processing unit 925, the document including the document content The foreign passport includes a file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is advisable to treat the alien insurance electronic documents for the holder's insurance.

Alternatively, the electronic document generation unit 935 may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information received through the information receiving unit 915, Generating document contents including at least one insurance policy number included in the insurance approval approval information received through the insurance subscription processing unit 925, and the customer information included in the insurance application information in the document contents; After the bank account information, passport information, insurance product information, insurance company information, customer approval information, and at least one or more information of the policy number included in the insurance approval information, the watermarking method, Document files containing document content including watermarking (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, It is preferable that the process for a foreign insurance of the foreign passport holders, such as a web document file containing a word processor file or MHT containing at least one such HWP / DOC) insured electronic documents.

Alternatively, the electronic document generator 935 may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the information included in the insurance application information received through the information receiver 915. Image content including at least one insurance policy number included in the insurance approval approval information received through the insurance processing processor 925 and capturing the document content (eg, the It is preferable to process the image file including the document content (captured by capturing image content on the memory) as a foreigner insurance electronic document for insurance of the foreign passport holder.

Alternatively, the electronic document generation unit 935 may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information received through the information receiving unit 915, Image content (eg, generating document content including at least one insurance policy number included in the insurance approval approval information received through the insurance processing unit 925 and capturing the document content (eg, Image content generated by capturing the document content on a memory) in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval information included in the insurance application information. After including at least one or more information of the insurance policy number included in the watermarking (Watermarking) method, the watermarking is included To process an image file that contains the image content to the foreign passport holders Electronic article foreign insurance for the insured is preferable.

According to another exemplary embodiment of the present invention, the electronic document generation unit 935 may include customer information, automatic transfer account information, passport information, insurance product information, included in the insurance application information received through the information receiving unit 915, and the like. Generate document content including insurance company information, customer approval information, and at least one insurance policy number included in the insurance approval information received through the insurance processing unit 925, and capture the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). The foreign passport holder by generating a word processor file including at least one of / DOC, or a web document file including an MHT). To process an electronic document for foreign insurance insurance is desirable.

Alternatively, the electronic document generation unit 935 may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information received through the information receiving unit 915, Image content (eg, generating document content including at least one insurance policy number included in the insurance approval approval information received through the insurance processing unit 925 and capturing the document content (eg, Image content generated by capturing the document content on a memory) in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval information included in the insurance application information. Generating image content including at least one or more information of the insurance policy number included in a watermarking method, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including the image content including the watermarking, or By generating a web document file including the MHT), it is desirable to process the foreign insurance holder electronic document for insurance of the foreign passport holder.

According to another exemplary embodiment of the present invention, the electronic document generation unit 935 includes customer information, automatic transfer account information, passport information, insurance product information included in the insurance application information received through the information receiving unit 915. Generating document contents including at least one insurance company information, customer approval information, and at least one insurance policy number included in the insurance approval approval information received through the insurance processing unit 925, and capturing the document contents. A predetermined document file (e.g., a Portable Document Format (PDF) file) including captured image content (e.g., image content generated by capturing the document content on a memory), the insurance application information, and the insurance approval approval information. , Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document including an MHT. By generating a one, and so on), it is preferred that treatment with foreign insured electronic document for insurance of the foreign passport holder.

Alternatively, the electronic document generator 935 may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the information included in the insurance application information received through the information receiver 915. Image content (eg, captured) that generates document content including at least one insurance policy number included in the insurance subscription approval information received through insurance subscription processing unit 925 and captures the document content. Image content generated by capturing the document content on a memory) in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval information included in the insurance application information. Generating image content including at least one or more information of the insurance policy number included in a watermarking method, A word including at least one image file including the watermarking and a document file including the insurance application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) By generating a processor file or a web document file including the MHT), it is preferable to process the alien insurance holder electronic document for insurance of the foreign passport holder.

In the technical field to which the present invention pertains, the electronic document generating unit 935 generates a foreign insurance insurance electronic document in an image file format and / or a predetermined document file format, and the foreign document. You will be familiar with the technical features of the file format of the image file and / or document file corresponding to the insured electronic document, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 940 transmits the foreign insurance insurance electronic document generated by the electronic document generating unit 935 to a predetermined electronic document storage associated with the insurance insurance system and stores the electronic document. .

As shown in FIG. 9, the electronic document storage is connected to the insurance product subscription server 900 on the insurance system and the electronic document D / B 980 associated with the electronic document server 960 through a predetermined communication means. When provided externally, the electronic document transmission unit 940 is the electronic document server 960 via the communication means for the foreign insurance subscription electronic document generated by the electronic document generation unit 935 It characterized in that the transmission to.

Herein, when the electronic document server 960 and the electronic document D / B 980 are provided outside the insurance system, the electronic document server 960 and the electronic document D / B 980 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the insurance system, the electronic document transmitting unit 940 is the foreigner generated by the electronic document generating unit 935. It is possible to store the insurance electronic document in the electronic document D / B 980 corresponding to the electronic document storage on the DBMS provided in the insurance system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 940 inputs (selects) insurance document information (eg, the insurance application information) for generating predetermined electronic document management information in the electronic document server 960. ) And / or financial institution information, and / or electronic document file format information, and / or the insurance application information, etc.) for transmitting the foreigner insurance electronic document. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 9, the insurance product subscription server 900 includes the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance subscription approval information included in the insurance application information. An insurance account processing unit 945 (or insurance account processing means) for opening and processing the insurance account of the customer name based on the insurance policy number included in the.

The insurance account processor 945 generates a customer ledger including the customer information included in the insurance application information in association with the financial system (or checks the customer ledger that is matched with the customer information) and the insurance The foreign passport holder responds to the insurance application information by generating predetermined account ledger information based on the application information and insurance approval information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger. It is characterized by opening a predetermined insurance account for the insurance of the insurance.

According to an embodiment of the present invention, when the insurance product subscription server 900 and the financial system exist in the same system, the insurance account processing unit 945 is linked with the financial system to the ledger D / B. It is desirable to create an account ledger.

According to another exemplary embodiment of the present invention, when the insurance product subscription server 900 and the financial system exist on another system connected through a predetermined communication means, the insurance account processor 945 uses a predetermined communication means. It is preferable to request to the ledger D / B on the other financial system to create a predetermined account ledger through the external system on the financial system.

Referring to FIG. 9, the insurance product subscription server 900 verifies that insurance application information received through the information receiver 915 is valid for insurance subscription of the foreign passport holder through the validity verification unit 920. When the insurance approval is confirmed through the information checking unit 930, the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and the information included in the insurance application information for which the validity is verified And an information storage unit 950 (or information storage means) for storing insurance product information including at least one or more insurance account information generated by the insurance account processing unit 945 in a predetermined storage medium 987. It features.

When the validity of the insurance application information is confirmed by the validity confirming unit 920, and the insurance subscription approval is confirmed through the information confirming unit 930, the information storage unit 950 is connected to the insurance application information. And the insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, and employee information included in the storage medium 987.

In addition, when the insurance account included in the ledger D / B on the financial system is opened, the information storage unit 950 further includes the insurance account information opened in the insurance product information to the storage medium 987. It is desirable to store.

According to an embodiment of the present invention, when the storage medium 987 is provided in the insurance product subscription server 900 or on the network associated with the insurance product subscription server 900, the information storage unit ( The storage medium 987 includes insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information included in the received insurance application information. It is preferable to store in.

According to another embodiment of the present invention, when the storage medium 987 is provided in a DBMS provided on a financial system, the information storage unit 950 includes the customer information and insurance company included in the received insurance application information. Insurance product information including at least one of information, insurance policy number, direct debit account number, employee information, and insurance account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system. It is preferable.

2, the insurance product subscription server 900 checks the insurance application information received from the information receiver 915 to confirm whether the insurance application information satisfies the validity for insurance subscription of the foreign passport holder. The included passport information is transmitted to the Ministry of Foreign Affairs and Trade server 995 or the foreign passport issuance server 998, and the validity verification information for the passport information is obtained from the Ministry of Foreign Affairs and Trade server 995 or the foreign passport issuance server 998. Passport information authentication unit 955 (or passport information authentication means) to receive and provide to the validity verification unit 920 is characterized in that it is made.

Referring to FIG. 9, an electronic document that receives a foreign insurance insurance electronic document from the insurance product subscription server 900 provided on the insurance insurance system and stores and manages the electronic document D / B 980 in a predetermined electronic document. The server 960, the electronic document receiving unit 965 for receiving a predetermined foreign insurance subscription electronic document from the insurance product subscription server 900 through a predetermined communication means, and the received foreign insurance subscription electronic document to the electronic document An information generation unit 970 for generating predetermined electronic document management information for storage and management in the document D / B 980; And an electronic document storage unit 975 to be stored in the D / B 980.

The electronic document receiving unit 965 is characterized by receiving the foreign insurance insurance electronic document in the form of an image file and / or document file from the insurance product subscription server 900 through the communication means.

According to an exemplary embodiment of the present invention, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means is an insurance application that the insurance product subscription server 900 receives from the terminal device 990. The insurance number included in customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the information, and the insurance approval approval information received through the insurance processing unit 925. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing document content including at least one or more, or MHT It is preferable that the web document file including a).

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means includes customer information included in insurance application information received by the insurance product subscription server 900 from the terminal device 990, Document including at least one insurance policy number included in the direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance approval information received through the insurance processing unit 925 At least one or more of customer information, debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information included in the insurance application information in the content. After including the watermarking method in a watermarking manner, and including a document content including the watermarking (for example, PDF (Portabl) e Document Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means includes customer information included in insurance application information received by the insurance product subscription server 900 from the terminal device 990, Document including at least one insurance policy number included in the direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance approval information received through the insurance processing unit 925 Preferably, the image file includes an image file including captured image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means includes customer information included in insurance application information received by the insurance product subscription server 900 from the terminal device 990, Document including at least one insurance policy number included in the direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance approval information received through the insurance processing unit 925 The customer information, the direct debit account information, the passport information, the insurance product information, the insurance company information included in the insurance application information in the captured image contents (for example, image contents generated by capturing the document contents on a memory) Watermarking at least one or more of the customer approval information and the insurance policy number included in the insurance approval information ( After the watermarking method is included, the watermarking may include an image file including the image content.

According to another exemplary embodiment of the present invention, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means is an insurance product that the insurance product subscription server 900 receives from the terminal device 990. The insurance information included in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the application information and the insurance approval approval information received through the insurance processing unit 925 A predetermined document file (eg, Portable Document Format (PDF)) including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one security number. A file, or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like, or including an MHT It comprises a text file, etc.) is preferred.

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means includes customer information included in insurance application information received by the insurance product subscription server 900 from the terminal device 990, At least one insurance account number included in the direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance approval approval information received through the insurance processing unit 925 Image information captured by document content (for example, image content generated by capturing the document content on a memory) included in the insurance application information, customer information, direct debit account information, passport information, insurance product information, and insurance company. Watermarking at least one of information, customer approval information, and the policy number included in the insurance approval information. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) that generates image content including the watermarking method and includes the watermarked image content And a word processor file including at least one or the like, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the foreign insurance insurance electronic document received by the electronic document receiver 965 through the communication means is received by the insurance product subscription server 900 from the terminal device 990. Document content including at least one of customer information included in insurance application information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information. Captured image contents (e.g., image contents generated by capturing the document contents on a memory), and a predetermined document file (e.g., Portable Document Format (PDF) including the insurance application information and the insurance approval information. ), A word processor file including at least one of an EDI (Electronic Data Interchange) file, an HWP / DOC, or the like. Be made, including also the web document file) is preferred.

Alternatively, the foreign insurance subscription electronic document received by the electronic document receiving unit 965 through the communication means includes customer information included in insurance application information received by the insurance product subscription server 900 from the terminal device 990, Document including at least one insurance policy number included in the direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance approval information received through the insurance processing unit 925 The customer information, the direct debit account information, the passport information, the insurance product information, the insurance company information included in the insurance application information in the captured image contents (for example, image contents generated by capturing the document contents on a memory) Watermarking at least one of customer approval information and at least one insurance policy number included in the insurance approval information. Generating image content including the watermarking method, and including a document content including the watermarking, the insurance application information, and the insurance approval information, such as a PDF (Portable Document Format) file or EDI. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 970 is a predetermined electronic document unique number (or unique information) to be assigned to the foreign insurance subscription electronic document received through the electronic document receiving unit 965, and through the electronic document receiving unit 965 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the foreigner-insured electronic document is stored).

According to an exemplary embodiment of the present invention, the information generation unit 970 refers to the insurance product subscription server 900 that transmits the foreign insurance subscription electronic document received through the electronic document receiver 965, and the foreign insurance. It is preferable to identify the financial institution that has sent the subscription electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the insurance product subscription server 900 through the electronic document receiving unit 965, the information generating unit 970 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the insurance application information, and / or financial institution information transmitting the foreign insurance insured electronic document, and / or electronic document file format information, and / Or it is preferable to generate the electronic document management information further comprising the insurance application information).

The electronic document storage unit 975 associates a foreign insurance subscription electronic document received through the electronic document receiving unit 965 with electronic document management information generated through the information generating unit 970 to process a predetermined electronic document D. / B 980, characterized in that.

According to an exemplary embodiment of the present invention, the foreign insurance insurance electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the insurance product subscription server 900 of the terminal device 990. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information received from the insurance subscription approval information received through the insurance processing unit 925 At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC, etc.) containing document contents including at least one insurance policy number included therein. A word processor file, or a web document file including MHT).

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is insurance application information received by the insurance product subscription server 900 from the terminal device 990. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information contained in the insurance policy number included in the insurance approval approval information received through the insurance processing unit 925 Document information including at least one of the customer information included in the insurance application information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance included in the insurance approval information After including at least one or more information of the security number in a watermarking (Watermarking) method, a document file containing the document content containing the watermarking (for example, PDF (Porta a ble Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is insurance application information received by the insurance product subscription server 900 from the terminal device 990. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information contained in the insurance policy number included in the insurance approval approval information received through the insurance processing unit 925 The image file may include an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is insurance application information received by the insurance product subscription server 900 from the terminal device 990. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information contained in the insurance policy number included in the insurance approval approval information received through the insurance processing unit 925 Customer information, direct debit account information, and passport information included in the insurance application information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one or more document information; At least one or more of insurance policy information, insurance company information, customer approval information, and the insurance policy number included in the received insurance approval information. After the watermarking method is included, the watermarking may include an image file including the image content.

According to another exemplary embodiment of the present invention, the foreign insurance insurance electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the insurance product subscription server 900 of the terminal device. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information received from 990, and the insurance subscription approval received through the insurance processing unit 925 A predetermined document file (e.g., image content captured by document content including at least one insurance policy number included in the information) (e.g., image content generated by capturing the document content on a memory). Or a word processor file including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, or the like. Web document files).

Alternatively, the foreign insurance subscription electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is insurance application information received by the insurance product subscription server 900 from the terminal device 990. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information contained in the insurance policy number included in the insurance approval approval information received through the insurance processing unit 925 Customer information, direct debit account information, and passport information included in the insurance application information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one or more document information; Watermark information of at least one of insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance subscription approval information. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP /) that generates image content including the watermarking method and includes the image content including the watermarking. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the foreign insurance insurance electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is the insurance product subscription server 900 of the terminal device. Customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information received from 990, and the insurance subscription approval received through the insurance processing unit 925 Image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one insurance policy number included in the information, the insurance application information, and the insurance subscription. At least one predetermined document file (eg, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing the approval information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the foreign insurance insurance electronic document stored in the electronic document D / B 980 by the electronic document storage unit 975 is an insurance application that the insurance product subscription server 900 receives from the terminal device 990. The insurance policy included in customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the information, and the insurance approval approval information received through the insurance processing unit 925. Customer information, direct debit account information, passport included in the insurance application information in the image content (e.g., image content generated by capturing the document content on a memory) which captured document content including at least one number. Waterma information at least one or more of the information, insurance product information, insurance company information, customer approval information, and the insurance policy number included in the insurance approval information Generating an image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file, or an image content including the watermarking), the insurance application information, and the insurance approval information; An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 980 by the electronic document storage unit 975 in association with the foreign insurance subscription electronic document, the foreign insurance subscription electronic Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 980 by the electronic document storage unit 975 in association with the foreign insurance insured electronic document is registered in the foreign insurance. The insurance product subscription server 900 that transmits the electronic document preferably includes the financial institution information that transmitted the foreign insurance subscription electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the insurance product subscription server 900, the electronic document storage unit 975 processes the electronic document with the foreign insurance subscription. The electronic document management information stored in the electronic document D / B 980 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the insurance application information and / or the foreign insurance subscription). Financial institution information for transmitting the electronic document, and / or the electronic document file format information, and / or the insurance application information).

Referring to FIG. 2, the insurance company server 985 receives the insurance application information from the insurance product subscription server 900 to process whether the customer approves the insurance, and predetermined insurance subscription corresponding to the processing result. Characterized in that the approval information is transmitted to the insurance product subscription server (900).

10 is a diagram illustrating an implementation method in which a storage medium 987 for storing insurance product information corresponding to an insurance subscription in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 987 illustrated in FIG. 9 is the ledger D / B 1000 provided in the DBMS on the financial system, or the ledger D / B 1000 is provided, 10 shows an information structure of an embodiment of the method of storing the insurance product information in the ledger information provided in the ledger D / B 1000, and a person having ordinary knowledge in the technical field to which the present invention pertains, FIG. By referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the insurance product information in the ledger D / B 1000. However, the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (1000) provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and The account ledger corresponding to the insurance subscribed through the illustrated insurance subscription system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention pertains may include The ledger D / B 1000 provided in the DBMS on the financial system further includes at least one ledger and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that this is the case, and you will be familiar with the specific technical matters. Omitted costumes.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Passport Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Referring to FIG. 10, wherein the storage medium 987 is the ledger D / B 1000, or includes an implementation method provided in the ledger D / B 1000. Insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information and the insurance account information included in the insurance application information provided through the insurance subscription system shown in FIG. And is stored in the form of additional information added to the account ledger.

The insurance policy number is for the customer to subscribe to the insurance insurance product contracted by the insurance company in the financial institution, if the insurance application information provided to the insurance company, the insurance company subscribes based on the insurance application information provided It is advisable to approve the agreement and include the policy number provided with the insurance authorization.

The insurance account information is that when the customer subscribes to the insurance insurance product contracted by the insurance company in the financial institution, the financial institution opens an account corresponding to the insurance of the customer, the account corresponding to the opened account It is desirable to include information.

11 is a storage medium 1105 for storing insurance product information corresponding to insurance in a non-face-to-face manner according to another embodiment of the present invention is linked with the ledger D / B 1100 provided in a DBMS on a financial system. A diagram showing an implementation method including a compiled database.

In more detail, FIG. 11 shows an information structure of an embodiment in which the storage medium 987 shown in FIG. 9 includes a predetermined database linked to the ledger D / B 1100 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to process the insurance product information in a predetermined database in association with the ledger D / B 1100. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 11, when it is not easy to store the insurance product information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution) / B 1100 is not easy to change, or the system is not easy to expand due to the nature of the financial system), the insurance product information is stored in a predetermined database instead of the ledger D / B (1100), and The implementation method of linking and storing a database and the ledger D / B 1100 is illustrated.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 11, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 1105 includes a database linked to the ledger D / B 1100 provided in a DBMS on a financial system. And insurance product information including at least one or more of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and the insurance account information included in the information. Preferably, the insurance product information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 1100.

FIG. 12 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 1105 for storing insurance product information corresponding to insurance in a non-face-to-face manner according to another exemplary embodiment of the present invention. to be.

More specifically, FIG. 12 illustrates a predetermined banking system in which the storage medium 987 shown in FIG. 9 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains are provided in at least one banking server by referring to and / or modifying the drawing 12. It is possible to infer a method of constructing information on insurance product information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 1105 includes a DBMS provided in a banking server. Referring to FIG. 12, a predetermined DBMS provided in the banking server is included in the insurance application information. And insurance product information including at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information and the insurance account information.

The customer information includes personal information of the customer (eg, customer's name, passport number, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer makes a financial transaction of the financial institution). At least one or more member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the insurance account opening system in response to the customer by joining as a customer It is preferable to make it.

13A and 13B illustrate an insurance subscription process for insurance of a foreign passport holder in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B show that the terminal device 990 on the insurance system shown in FIG. 9 is a client terminal, and the insurance product subscription server 900 is connectable to a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer may purchase customer information, direct debit account information, passport information, insurance product information, insurance company information, etc. through the client terminal in order to purchase insurance for insurance of a foreign passport holder. When providing insurance application information including at least one customer approval information, the insurance subscription system insurance including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information The insurance application information is processed in connection with a predetermined insurance company server 985 based on the application information, Receiving predetermined insurance registration approval information corresponding to the processing result of the foreign passport holder of the implementation method for the insurance process for the insurance, if the person having ordinary knowledge in the technical field to which the present invention belongs, 13a and 13b may be inferred from various implementation methods for registering the insurance application information from the client terminal to the insurance product subscription server 900 by referring to and / or modifying the present invention. It includes an implementation method and is not limited to the implementation method shown in Figs. 13A and 13B.

For example, although the implementation method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the insurance application information and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

13A and 13B provide a user interface through which the client terminal inputs (or selects) the insurance application information through a predetermined web page provided by the insurance product subscription server 900. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the insurance product subscription server 900, and the present invention is not limited thereto.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal shown in FIG. 9 is referred to as "terminal" for convenience, and the insurance product subscription server 900 shown in FIG. 9 is called "server" for convenience, and the client terminal In the insurance product subscription server 900, the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information is referred to as "insurance application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN) to connect a predetermined communication channel, When requesting a web page including a user interface for insurance of a passport holder (1300a), the server responds with the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information. A web page including a user interface for inputting (or selecting) insurance application information including at least one or more information to be transmitted to the server is generated. (Or extraction) and (1305a), and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the terminal (1310a).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the insurance application information registration procedure, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) insurance application information including at least one or more customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through a user interface included in the web page. (1315a).

If the terminal receives (or selects) insurance application information including the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the user interface (1320a), the terminal The customer transmits the input (or selected) customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information to the server through the communication channel (1325a).

According to the implementation method of the present invention, the terminal in the insurance application information including at least one or more of the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, the insurance application information from the server At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the server through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information). , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certified certificate and / or the certificate is placed on a predetermined IC chip (or IC card) Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information). , Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method). To this end, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate containing at least one encryption key, and / or the certificate If it is equipped with an IC chip (or IC card), check the official certificate provided with the IC chip (or IC card). It is for a card reader which is provided is preferable.

Thereafter, the server receives and reads the customer information, the direct debit account information, the passport information, the insurance product information, the insurance company information, and the customer approval information through the communication channel to confirm the validity of the insurance application information (1330a). ).

According to an embodiment of the present invention, the insurance application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange). The encrypted insurance application information, at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme, And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received insurance application information.

Alternatively, when a predetermined electronic signature is attached to the insurance application information, the server may verify the validity of the received insurance application information by checking the electronic signature attached to the insurance application information.

When the insurance application information received through the information receiving unit 915 further includes a predetermined password for confirming the validity of the insurance application information according to an embodiment of the present invention, the server may apply to the insurance application information. It is preferable to authenticate the validity of the received insurance application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the insurance application information received through the information receiving unit 915 further includes predetermined security card information for confirming the validity of the insurance application information, the server is included in the insurance application information and received. By comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received insurance application information.

Alternatively, when the insurance application information received through the information receiving unit 915 further includes a predetermined OTP code for confirming the validity of the insurance application information, the server is included in the insurance application information and received. It is preferable to authenticate the validity of the received insurance application information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity of the insurance application information is registered at least one or more ledger information matching the insurance application information in the ledger D / B 1100 on the financial system associated with the insurance subscription system It is preferable to include checking whether there is.

For example, the validity of the insurance application information may be determined by checking the customer information (customer information, membership information, etc.) among the information included in the insurance application information. It is preferable to include a check that matches the customer ledger stored in 1100.

The validity of the insurance application information is preferably confirmed by transmitting the passport information and passport image contents included in the insurance application information to the Ministry of Foreign Affairs and Trade server 995 or foreign passport issuance server 998, If the passport issuing server is not provided in the customer's country, or if it is not connected to the passport issuing server provided in the customer's country through a communication network, the Ministry of Foreign Affairs and Trade Server except the foreign passport issuing server 998 is provided. 995, preferably by sending the passport information to verify the validity.

The validity check of the insurance application information includes the direct debit account information included in the insurance application information in the ledger D / B 1100 on the financial system linked to the insurance subscription system. It is preferable to include checking whether at least one matching ledger information is registered.

If the validity of the insurance application information is not authenticated (1335a), the server generates a web page including predetermined error information and transmits it to the terminal (1340a), and does not perform the insurance subscription procedure.

On the contrary, if the validity of the insurance application information is authenticated (1335a), the server transmits the insurance application information to an insurance company server 985 through a financial common network in connection with a financial system (1345a).

Thereafter, the insurance company server 985 processes the insurance application information received from the server and transmits the insurance approval approval information corresponding to the processing result to the server through the financial common network (1350a).

In addition, the insurance approval approval information processes the insurance application information received from the insurance processing unit 925 in the insurance company server 985, and if the insurance is rejected in response to a processing result, the insurance corresponding to the rejection of approval It is preferable to include an error code.

Thereafter, the server receives the insurance approval information from the insurance company server 985 and confirms the insurance approval (1355a).

If the insurance subscription is rejected (1360a), the server transmits an error code included in the insurance approval approval information to the terminal (1365a), and does not perform an insurance subscription procedure corresponding to the insurance application information.

If the insurance is approved (1360a), the server includes at least one or more customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information and the insurance subscription included in the insurance application information. Generate predetermined document content including the insurance policy number included in the approval information (1370a), and generate a predetermined foreign insurance subscription electronic document including the document content (1300b).

According to an exemplary embodiment of the present invention, the server includes customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription processing unit 925 included in the received insurance application information. Generate document content including at least one insurance policy number included in the insurance approval approval information received through the document, and include a document file (eg, a Portable Document Format (PDF) file, or EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT), etc. It is desirable to.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Create document content including at least one insurance policy number included in the subscription approval information, customer information included in the insurance application information, direct debit account information, passport information, insurance product information, insurance company A document file including document contents including the watermarking after including information, customer approval information, and at least one or more information of the insurance policy number included in the insurance approval approval information by a watermarking method ( For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, and the like may be included. Is preferably a word processor file, or a web document file including an MHT) as an alien insurance electronic document for insurance of the foreign passport holder.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content generated by generating document content including at least one insurance policy number included in subscription approval information, and capturing the document content (eg, image content generated by capturing the document content on a memory). It is preferable to process an image file including) as a foreigner insurance electronic document for insurance of the foreign passport holder.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content including at least one insurance policy number included in the subscription approval information, and image content (eg, image content generated by capturing the document content on a memory). In the insurance application information contained in the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription approval information received through the insurance processing unit 925 After including at least one or more information of the insurance policy number in a watermarking (Watermarking) method, the watermarking is included It is preferable to process the image file including the image content as a foreigners insurance electronic document for insurance of the foreign passport holder.

According to another exemplary embodiment of the present invention, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription processing unit included in the received insurance application information ( Generate document content including at least one insurance policy number included in the insurance approval information received through 925, and capture image content (eg, the document content in memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or by creating a web document file including MHT) before the foreign insurance holder for insurance of the foreign passport holder. It is preferred to process the document.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content including at least one insurance policy number included in the subscription approval information, and image content (eg, image content generated by capturing the document content on a memory). At least one or more of customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information, and the insurance policy number included in the insurance approval information; Create image content including watermarking method, and the image content including the watermarking A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to process the foreign insurance holder electronic document for insurance of the foreign passport holder.

According to another exemplary embodiment of the present invention, the server includes customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription processing unit included in the received insurance application information. Generating document content including at least one insurance policy number included in the insurance approval approval information received through 925 and capturing the image content (eg, the document content); A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including image content captured and generated on memory and the insurance application information and the insurance approval information. Generating a word processor file including at least one DOC, or a web document file including an MHT) Foreign insurance for the rights holders of insurance is preferably processed electronically.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content generated by generating document content including at least one insurance policy number included in subscription approval information, and capturing the document content (eg, image content generated by capturing the document content on a memory). ) At least one or more of the customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information contained in the insurance application information, and the insurance policy number included in the insurance approval information To generate image content including the watermarking method, and the image content including the watermarking. And a document file including the insurance application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. By generating a web document file, etc.), it is preferable to process the foreign insurance holder electronic document for insurance of the foreign passport holder.

Thereafter, the server stores the generated foreign insurance subscription electronic document in a predetermined electronic document storage (1305b).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 960 and an electronic document D / B 980 connected to a server on the insurance coverage system through predetermined communication means. When provided, the server preferably transmits the generated foreign insurance subscription electronic document to the electronic document server 960 through the communication means to store in the electronic document D / B (980).

Or, if the electronic document storage is provided on a DBMS provided in the insurance system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the insurance system to the generated foreign insurance subscription electronic document It is possible to store in document D / B 980, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the foreign insurance insurance electronic document in the electronic document storage may be performed by linking the generated foreign insurance insurance electronic document with predetermined electronic document management information. It is preferable to include storing in document D / B 980.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the insurance application information, and / or financial institution information transmitting the foreigner insurance electronic document, and / or Or electronic document file format information, and / or the insurance application information, etc.).

If the foreign insurance subscription electronic document is stored in the electronic document storage (1310b), the server is linked to the financial system, the customer information, direct debit account information, passport information, insurance product information included in the insurance application information Based on the insurance company information, the customer approval information, and the insurance policy number included in the insurance approval information, an insurance account under the customer's name is opened (1315b).

According to an embodiment of the present invention, when the server and the financial system exist in the same system, it is preferable that the server creates a predetermined account ledger in the ledger D / B 1100 in association with the financial system.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. Ledger D / B 1100 on the Financial System It is desirable to request the creation of a predetermined ledger.

Thereafter, the server includes at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information generated by the insurance account processor 945 included in the insurance application information. The insurance product information is stored in a predetermined storage medium 1105 (1320b).

According to an embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the customer information and insurance company included in the received insurance application information. Preferably, the storage medium 1105 stores insurance product information including at least one of information, insurance policy number, direct debit account number, employee information, and insurance account information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on a financial system, the server includes the customer information, insurance company information, and insurance policy number included in the received insurance application information. It is preferable that the insurance product information including at least one or more of the direct debit account number, employee information and the insurance account information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server records predetermined insurance registration history information (eg, a history of opening an insurance account corresponding to the insurance, and / or a history of storing the alien insurance electronic document in the electronic document repository, and / or the storage). The details of storing the insurance application information on the medium 1105) are generated (or extracted) and transmitted to the terminal (1325b).

According to one embodiment of the invention, the storage medium 1105 is preferably provided in a DBMS on a financial system provided on the insurance system (or associated with the insurance system), wherein the storage medium 1105 may be a ledger D / B 1100 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 1105 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the insurance system, and / or Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

In more detail, FIGS. 14A, 14B, and 14C show the case where the insurance system shown in FIG. 9 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, on the insurance system shown in FIG. 9). In the case where the insurance product subscription server 900 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined insurance application information to the Internet banking server in order to purchase insurance for the insurance of the foreign passport holder, the customer information, direct debit account information, and passport information in the Internet banking server. Based on insurance application information including at least one insurance product information, insurance company information, customer approval information An insurance method for processing the insurance application information in association with an insurance company server 985 and receiving insurance insurance approval information corresponding to the processing result and applying for the insurance for the insurance of the foreign passport holder. For those skilled in the art to which the present invention pertains, the insurance application information is registered through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 14a, 14b, and 14c. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 14A, 14B, and 14C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 14A, 14B, and 14C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering insurance application information between the client terminal and the Internet banking server based on the browser program is illustrated, those skilled in the art to which the present invention pertains And a client terminal based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14A, 14B, and 14C. Internet Banking Server Corp Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering insurance application information to the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 14a, 14b and 14c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for connecting non-face-to-face channel-based financial transactions channels for insurance application registration. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Figs. 14A, 14B and 14C.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the insurance product subscription server 900 is referred to as " server "

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server may access the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1415a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1420a).

If the terminal does not need to install and / or update the latest version of the internet banking security module (1425a), or if the terminal does not need to install and / or update the internet banking security module (1415a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1430a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or the encryption scheme (and / or encryption). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the information to be provided from the terminal to the server for registration of insurance application information ( Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the information to be provided from the terminal to the server for insurance application information registration. (Or data) attaches a predetermined digital signature and / or at least one cancer When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1440a), the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1445a).

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the insurance application information for registering insurance of a foreign passport holder may be transmitted from the terminal to the server and registered.

Subsequently, when the terminal requests a web page including a user interface for insurance of the foreign passport holder to the server through an internet banking-based financial transaction channel (1400b), the server automatically responds to the customer information. Generate (or select) a web page including a user interface for inputting (or selecting) insurance application information including at least one of transfer account information, passport information, insurance product information, insurance company information, and customer approval information to the server. Extraction) (1405b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1410b).

According to an embodiment of the present invention, the web page inputs (or selects) insurance application information including at least one of customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information in the terminal. And / or predetermined password and / or security card information (e.g., internet banking subscription) to verify the validity of the Internet banking customer requesting to register the insurance application information. The security card information printed on the security card issued to the customer in the process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) It further includes a user interface for entering a one-time password generated by the OTP authentication program) Preferable.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the insurance application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information through the insurance subscription interface (1415b). ).

If the terminal receives (or selects) insurance application information including the customer information, direct debit account information, passport information, insurance product information, insurance company information and customer approval information through the user interface (1420b), the terminal In operation 1425b, the insurance application information input (or selected) is transmitted to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information). , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certificate of certification and / or have the certificate in a predetermined IC chip (or IC card) In this case, it is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one insurance application information including at least one of the customer information, direct debit account information, passport information, insurance product information, insurance company information, and customer approval information). , Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method). To this end, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate containing at least one encryption key, and / or the certificate If it is equipped with an IC chip (or IC card), check the official certificate provided with the IC chip (or IC card). It is preferable that a card reader is provided.

Thereafter, the server receives and reads the insurance application information through the financial transaction channel to confirm the validity of the insurance application information (1430b).

According to an embodiment of the present invention, the insurance application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange). When encrypted with the based encryption method, the server is at least one decryption method (for example, symmetric key based decryption method and / or public key based decryption method) corresponding to the encrypted insurance application information; And / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received insurance application information.

For example, the validity of the insurance application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the insurance application information. It is preferable to include a check that matches the customer ledger stored in 1100.

If the validity of the insurance application information is not authenticated (1435b), the server generates a web page including predetermined error information and transmits it to the terminal (1440b), and does not perform the insurance subscription procedure.

On the contrary, if the validity of the insurance application information is authenticated (1435b), the server transmits the insurance application information to the insurance company server 985 through a financial common network in connection with a financial system (1445b).

Thereafter, the insurance company server 985 processes the insurance application information received from the server, and transmits the insurance approval approval information corresponding to the processing result to the server through the financial common network (1450b).

Thereafter, the server receives the insurance approval information from the insurance company server 985 and confirms the insurance approval (1455b).

If the insurance subscription is rejected (1460b), the server transmits an error code included in the insurance approval approval information to the terminal (1465b), and does not perform an insurance subscription procedure corresponding to the insurance application information.

If the insurance subscription is approved (1460b), the server includes at least one customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance including the insurance application information. A predetermined document content including the insurance policy number included in the subscription approval information is generated (1470b), and a predetermined foreign insurance subscription electronic document including the document content is generated (1400c).

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Generate document content including at least one insurance policy number included in the subscription approval information, customer information included in the insurance application information, direct debit account information, passport information, insurance product information, insurance company A document file including document contents including the watermarking after including information, customer approval information, and at least one or more information of the insurance policy number included in the insurance approval approval information by a watermarking method ( For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. It is desirable to treat a web page file, etc.) the foreign passport holders, foreign insurance electronic documents for insurance that includes a word processor file or MHT.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content including at least one insurance policy number included in the subscription approval information, and image content (eg, image content generated by capturing the document content on a memory). It is preferable to process an image file including a foreign insurance subscription electronic document for insurance of the foreign passport holder.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content including at least one insurance policy number included in the subscription approval information, and image content (eg, image content generated by capturing the document content on a memory). At least one or more of customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information, and the insurance policy number included in the insurance approval information; After including by watermarking (Watermarking) method, the image file including the image content including the watermarking Be treated as foreigners insured electronic documents for the insurance of the foreign passport holders are preferred.

According to another exemplary embodiment of the present invention, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information, and the insurance subscription processing unit included in the received insurance application information ( Image content (eg, the document content is generated) that generates document content including at least one insurance policy number included in the insurance approval approval information received through 925, and captures the document content. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including image content captured and generated on the Or by creating a web document file including MHT) before the foreign insurance holder for insurance of the foreign passport holder. And it is preferably treated as a document.

Alternatively, the server may include customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the received insurance application information, and the insurance received through the insurance processing unit 925. Image content including at least one insurance policy number included in the subscription approval information, and image content (eg, image content generated by capturing the document content on a memory). At least one or more of customer information, direct debit account information, passport information, insurance product information, insurance company information, customer approval information included in the insurance application information, and the insurance policy number included in the insurance approval information; Create image content including watermarking method, and the image content including the watermarking And a word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the insurance application information and the insurance approval information. , Or a web document file including MHT), it is preferable to process the foreign insurance holder electronic document for insurance of the foreign passport holder.

Thereafter, the server stores the generated foreign insurance subscription electronic document in a predetermined electronic document storage (1405c).

If the foreign insurance subscription electronic document is stored in the electronic document storage (1410b), the server is linked to the financial system, the customer information, direct debit account information, passport information, insurance product information included in the insurance application information In operation 1415c, an insurance account under the customer's name is opened based on the insurance company number, the customer approval information, and the insurance policy number included in the insurance approval information.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 1100 on the financial system to create a predetermined ledger.

Thereafter, the server includes at least one of the customer information, insurance company information, insurance policy number, direct debit account number, employee information, and insurance account information generated by the insurance account processor 945 included in the insurance application information. The insurance product information is stored in a predetermined storage medium 987 (1420c).

Thereafter, the server records predetermined insurance registration history information (eg, a history of opening an insurance account corresponding to the insurance, and / or a history of storing the alien insurance electronic document in the electronic document repository, and / or the storage). A record of storing the insurance application information in the medium 1105) is generated (or extracted) and transmitted to the terminal (1425c).

According to the present invention, if a foreigner who wishes to purchase insurance visits a financial institution and submits a passport, he or she can join an insurance product sold by the financial institution, thereby facilitating attracting foreign insurance subscribers. There is an advantage.

In addition, by authenticating the passport submitted by foreigners through the Ministry of Foreign Affairs and Foreign Affairs or the foreign passport issuance server, the passport can be used as a foreigner's ID card when foreigners join insurance products.

Claims

Receiving a passport, customer information, passport information, and insurance product information from the teller terminal by a predetermined information receiving means when a predetermined passport holder subscribes to a predetermined insurance through a financial institution teller terminal;

Receiving the passport image contents from the teller terminal at a predetermined image receiving means;

Transmitting the customer information, passport information, insurance product information, and passport image contents to a predetermined insurance company server corresponding to the insurance product, and receiving predetermined insurance approval information from the insurance company server in a predetermined insurance subscription processing means; ;

Opening an insurance account including an insurance policy corresponding to the insurance approval approval information in a predetermined insurance account processing means; And

Generating a predetermined foreign insurance subscription electronic document including the customer information, passport information, insurance product information, and passport image contents in a predetermined electronic document generating means and storing the predetermined foreign document in a predetermined electronic document D / B; How to enroll insurance for foreigners.

The method of claim 1,

And transmitting the passport information and the passport image contents from a predetermined passport information authentication means to a predetermined passport related server, and receiving validation information of the predetermined passport from the passport related server. How to get insurance for foreigners.

A recording medium comprising a program for executing the method according to any one of claims 1 to 2.

Information receiving means for receiving customer information, passport information and insurance product information in possession of the passport from the counter terminal when a predetermined passport holder subscribes to predetermined insurance through a financial institution counter terminal;

Image receiving means for receiving the passport image contents from the window terminal;

Insurance subscription processing means for transmitting the customer information, passport information, insurance product information, and passport image content to a predetermined insurance company server corresponding to the insurance product, and receiving predetermined insurance approval approval information from the insurance company server;

Insurance account processing means for opening an insurance account including an insurance policy corresponding to the insurance approval approval information; And

And an electronic document generating means for generating a foreign insurance subscription electronic document including the customer information, passport information, insurance product information, and passport image contents and storing the electronic document in a predetermined electronic document D / B. Target Insurance System.

The method of claim 4, wherein

Passport information authentication means for transmitting the passport information and passport image content to a predetermined passport-related server, and receiving the validation information for the predetermined passport from the passport-related server further comprises a passport insurance system.