KR20090002134A - Method for intermediating program for insurance customer, and system for the same - Google Patents

Abstract

A method and a system for mediating a program for insurance clients are provided to allow an insurance company to easily secure insurance clients, provide a client program to program users and insurance clients and continuously maintain the client program such that the program users and the insurance clients use the program without paying additional cost. A method for mediating a program for insurance clients includes a step in which an insurance company(100) receives the program from a program intermediary(200) using a terminal(S502), a step in which the terminal provides the program to a server of a program user(S503), a step in which the program user mediates online such that insurance contract between an insurance client and the insurance company is concluded, a step in which the insurance contact is concluded online between the insurance client and the insurance company(S505), a step in which the server of the program user requests the program intermediary to install the program(S506), and a step in which the intermediary provides functions to the server of the program user to activate the program(S507).

Description

Method for intermediating program for insurance customer, and system for the same}

FIG. 1 is a diagram illustrating a network configuration between actors associated with an insurance brokerage business using the Internet according to the related art.

2 is a configuration diagram of a mediation system of a program for insurance customers according to a first embodiment of the present invention.

3 is a block diagram for explaining the operation of the insurance carrier terminal and the program broker in the mediation system of the insurance customer program according to the first embodiment of the present invention.

4 is a block diagram for explaining the operation of the insurance carrier terminal, the program user server and the program broker in the mediation system of the insurance customer program according to the first embodiment of the present invention.

5 is an operation flowchart of a mediation method of a program for insurance customers according to a first embodiment of the present invention.

6 is a configuration diagram of a mediation system of a program for insurance customers according to a second embodiment of the present invention.

7 is a configuration diagram for explaining the operation of the insurance carrier terminal, insurance customer terminal and the program broker in the mediation system of the insurance customer program according to a second embodiment of the present invention.

8 is an operation flowchart of a method of mediating a program for insurance customers according to a second embodiment of the present invention.

9 is a diagram illustrating a website configuration of the program broker for insurance customers according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS

100: insurance carrier 200: program broker

300: program user 400: customer with insurance

210: program management server 220: member information DB

230: customer program 240: customer management DB

The present invention relates to a method and system for mediating a program for an insurance client, and more specifically, to mediate and manage an insurance client program for a program broker to broker and manage an insurance client program in order to conclude a contract between an insurance carrier and an insurance client. It relates to a method and a system thereof.

In order to secure insurance customers, a conventional insurance company selects insurance customers mainly offline, and then sales representatives of each insurance company visit door to door or provide information on their insurance by mail or telephone. A method of stimulating the subscriber's desire to join by recognizing the presence of additional services was used.

Accordingly, in order to solve the inefficient insurance method of the conventional off-line insurance customers and insurance companies, the insurance brokering business method using the Internet has been proposed.

As a prior art, Korean Patent Publication No. 2002-1087 (published: January 09, 2002) discloses an insurance brokerage business method using the Internet.

FIG. 1 is a diagram illustrating a network configuration between actors associated with an insurance brokerage business using the Internet according to the related art.

Referring to FIG. 1, in the insurance brokering business using the Internet according to the related art, an insurance broker 20, an insurance subscriber 30, an insurance company 40 and other supplementary service providers may be connected to an internet network connected through a computer network. 50 are respectively connected. At this time, in addition to online contact between the insured 30 and the insurance broker 20, between the insured 30 and the insurer 40, and insured 30 and other value-added service providers 50, Can be contacted. In addition, it is obvious that it can be delivered as image, text or voice information by wireless, not only through a wire provided to the insurance subscriber 30.

The insurance broker 20 manages the subscriber 30, the insurance company 40, and other value-added service providers 50 as members, and the member information is linked to the web server of the insurance broker 20. It is constructed with a DB 22. Various insurance-related information provided by the insurance company 40 is constructed as an insurance information DB 24 linked with a web server of the insurance broker 20, and additional service information provided by the additional service provider 50 is insurance. An additional information DB 26 interoperating with the web server of the brokerage provider 20 is constructed.

In addition, in order to access the homepage on the web operated by the insurance brokerage provider 20 using the Internet, the insurance subscriber 30, the insurance company 40, and other supplementary service providers 50 each have a web browser, for example. Microsoft's Explorer, etc. are provided, through which mutual communication and e-commerce are carried out.

According to the prior art, the insurance broker 20 may provide the insurance subscriber 30 with real-time customized insurance related information based on the member information DB or various additional services. However, if the insurance broker 20 does not actively cope with the individual needs of the subscriber 30, for example, if the subscriber 30 wants a separate program for customers other than insurance, insurance broker ( Since 20 cannot accept the needs of the insured 30, the insured 30 must pay for and use the client-oriented program directly. Accordingly, since the insurance company 40 does not meet the demand of the insurance subscriber 30, it may be difficult to easily secure the insurance subscriber 30.

An object of the present invention for solving the above problems is, by providing a program intermediary to provide a program for the customer, the insurance carrier can easily secure insurance customers by providing services differentiated from competitors, the program A user or an insured customer is to provide a method and system for intermediary of a program for an insurance customer that can be provided without purchasing a customer program directly.

In addition, another object of the present invention, by providing a program intermediary to provide a program for the customer to maintain and maintain continuously, so that the program user or insurance customers can use the program for the customer at no additional cost for the insurance customer program It is to provide an intermediary method and system thereof.

As a means for solving the above-mentioned problems, a method of mediating an insurance client program according to the present invention is a method of brokering an insurance client program provided by an insurer to a program user, the method comprising: a) an insurance contract with an insurance client; Receiving an insurance customer program from a program broker using the terminal for the insurance company to enter into a contract; b) the insurance provider terminal providing the insurance customer program to the server of the program user; c) intermediary by the program user on-line so that the insurance contract is concluded between the insured customer and the insurer under the use of the program for the insurance customer; d) the insurance customer signing the insurance contract online with the insurance carrier; e) requesting, by the program user's server, the program broker to install the program for the insurance customer; And f) the program broker providing a function online to the server of the program user to activate the program for the insurance customer.

Here, the brokering method of the program for insurance customers according to the present invention, the program broker requesting the billing in accordance with the insurance contract to the insurance carrier; And in response to the charging request, the insurance company paying a fee to the program broker.

Here, the method of mediating a program for insurance customers according to the present invention may further include the program broker maintaining and repairing the installed insurance customer program online.

Here, the insurance customer program is characterized in that the customer relationship management (CRM) program for managing the insurance customer.

On the other hand, as another means for solving the above-mentioned problems, the brokering method of the insurance program according to the present invention is a method for brokering an insurance program for insurance companies to provide to the insurance customer, a) the Receiving an insurance program for an insurance customer from a program broker using a terminal for the insurance company to conclude an insurance contract with an insurance customer; b) the terminal of the insurance provider providing the insurance customer program to the terminal of the insured customer; c) the insurance customer signing the insurance contract online with the insurance provider subject to the use of the insurance customer program; d) requesting, by the terminal of the insured customer, the program broker for installation of the insurance customer program; And e) providing a function online by the program broker to the terminal of the insured customer so that the program for the insured customer is activated.

On the other hand, as another means for solving the above-mentioned problems, the mediation system of the insurance customer program according to the present invention, in the system for brokering the insurance customer program provided by the insurance carrier to the program user, by connecting to the program broker An insurance provider terminal receiving a program for an insurance customer and delivering the provided insurance customer program to a program user server; A program broker which provides the insurance client program to the insurance carrier terminal and provides a function of activating the insurance client program online; A program user server that receives a program for an insurance customer from the insurance carrier terminal and requests the program broker for installation of the insurance customer program; And an insurance customer terminal managed by the server of the program user, and which concludes an insurance contract with the insurance company online.

Here, the program broker, a program management server for managing the program for the insurance customer; A member information DB for storing information about the insurance carrier subscribed as a member of the program broker; A program for customer insurance provided to the insurance carrier and activated at the request of the program user; And it may include a customer management DB for storing information about the insured customer.

On the other hand, as another means for solving the above-mentioned problems, the mediation system of the insurance customer program according to the present invention is connected to the program intermediary in a system for brokering the insurance customer program provided by the insurer to the insured customer. The insurance provider terminal to receive a program for an insurance customer and deliver the provided insurance customer program to a terminal of an insurance customer; A program broker which provides the insurance client program to the insurance carrier terminal and provides a function of activating the insurance client program online; And an insurance client terminal receiving an insurance client program from the insurance carrier terminal, requesting the program broker to install the insurance client program, and signing an insurance contract with the insurance carrier online. do.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted.

Hereinafter, with reference to the accompanying drawings, it will be described in detail the configuration and operation of the brokering method and system for the insurance program according to an embodiment of the present invention.

As an embodiment of the present invention, a method and system for mediating an insurance program for an insurance customer program, which is provided by a program broker to a program user or an insurance customer, is provided by the insurance carrier. At this time, the program intermediary will continue to maintain and repair the program for the customer so that the program user or insurance customers can use the customer program at no additional cost.

Specifically, in the first embodiment of the present invention, when a program broker intermediates a client program to an insured customer at the request of the insurer, the program user uses the client program and the insured customer to the insurance provider. In a second embodiment of the present invention, when a program broker intermediates a client program to an insured customer at the request of the insurer, the insured customer enters into an insurance contract directly with the insurer. Then, a method of using the customer program is provided.

First, the mediation method and system of the insurance customer program according to the present invention will be described according to the first embodiment of the present invention.

2 is a configuration diagram of a mediation system of a program for insurance customers according to a first embodiment of the present invention.

As shown in FIG. 2, the brokerage system of the insurance customer program according to the first embodiment of the present invention includes the insurance carrier 100, the program broker 200, the program user 300, and the insurance customer 400. The program broker 200 may include a program management server 210, a member information DB 220, a customer program 230, and a customer management DB 240. Here, the customer program 230 is a program for insurance customers, the program user 300 is installed and used in its own server.

The insurance carrier 100, the program broker 200, the program user 300, and the insurance customer 400 are connected to each other through a network such as the Internet.

The insurance provider 100 receives the program for the insurance customer 230 by accessing the program broker 200 and delivers the provided insurance customer program to the server of the program user 300.

The program broker 200 provides the insurance customer program 230 to the terminal of the insurance provider 100, and provides the function of activating the insurance customer program 230 online. In addition, the program broker 200 requests the insurance provider 100 to charge accordingly when the insurance contract is concluded between the insurance provider 100 and the insurance customer 400, and the insurance provider 100 You will pay a fee corresponding to the charge request.

The program user 300 receives the insurance customer program 230 from the terminal of the insurance company 100 using his server, and the program broker 200 to install the insurance customer program 230. Ask. In this case, the program user 300 is arranged so that an insurance contract can be concluded between the insurance company 100 and the insured customer 400 on the condition that the insurance customer program 230 is used.

The insurance customer 400 is managed by a server of the program user 300 and enters into an insurance contract with the insurance company 100 online.

The program management server 210 of the program intermediary 100 manages the insurance customer program 230, and maintains the insurance customer program 230 installed at the request of the program user 300 online. It will be repaired.

At this time, the customer insurance program 230 is provided to the insurance provider 100, and activated by the request of the program user 300. For example, the insurance program 230 may be, but is not limited to, a Customer Relationship Management (CRM) program for managing the insured customer. Here, CRM refers to a process of planning, supporting, and evaluating marketing activities based on customer characteristics by analyzing and integrating internal and external data of a company related to a customer.

Member information DB (220) stores the information about the insurance carrier 100 subscribed as a member of the program broker 200, customer management DB 240 stores information about the insurance customer 400 do.

In the first embodiment of the present invention, the program user 300 may be, for example, a hospital or a school, and at this time, the insurance customer 400 may each be a patient or a student, the program for insurance customers 230 May be, but is not limited to, a hospital or school management program.

On the other hand, Figure 3 is a block diagram for explaining the operation of the insurance carrier terminal and the program broker in the mediation system of the insurance program according to the first embodiment of the present invention.

Referring to FIG. 3, the insurance provider 100 accesses the program broker 200 using his insurance provider terminal 110 and joins as a member, and then from the program management server 210 of the program broker 200. The customer program 230 is provided.

The insurance provider terminal 110 is a communication device that can access the website of the program broker 200 through a network such as the Internet. For example, various communication devices such as a landline phone, a mobile communication terminal, and a computer may be used. In addition, the insurance carrier 100 may conveniently and quickly access the program broker 200 through the Internet. The insurance carrier terminal 110 communicates with the program broker 200, and is installed with an application for downloading the customer program 230. Insurance carrier terminal 110 according to an embodiment of the present invention is generally installed with a web browser, the insurance provider 100 communicates with an external system connected to the Internet through a web browser, necessary information and programs for customers 230 ) Is provided.

The mediator 200 of the program is a program management server 210, member information DB 220, customer program 230, customer management DB 240, customer management server 250, interface server 260 and authentication server 270, and additionally include an additional service server 280 or a mileage server.

The interface server 260 serves as an interface through which the insurance carrier terminal 110 connects to the program broker 200, and converts various information provided through each server to meet the communication standard, thereby providing a plurality of insurance carrier terminals 110. ), Or to receive information transmitted from the insurance carrier terminal 110 through the Internet to provide to each server, and generally corresponds to a Web (Web) server or Wap (Wap) server.

The authentication server 270 manages and performs membership registration and login of the insurance provider 100. The authentication server 270 receives member information from the insurance carrier terminal 110 connected through the interface server 260 to use the program broker 200, and the insurance carrier 100 is connected to the program broker 200. It checks whether the user has the authority to use the provided service.

At this time, the member information DB 220 stores information about the insurance company 100 subscribed to the program broker 200 as a member. The authentication server 270 allows the insurance provider 100 to input information on a field of interest when the insurance provider 100 joins the member, and accordingly, the member information DB 220 includes the insurance provider 100 ID. Correspondingly, information such as passwords, names and contacts are stored.

In addition, the authentication server 270, if the information, including the ID (ID), password, etc. input by the insurance carrier 100 connected to the program broker 200, matches the information stored in the member information DB 220, License the service.

The customer management server 250 manages customer information stored in the customer management DB 240 in conjunction with the program management server 210.

The supplementary service server 280 serves to provide various supplementary services other than the program brokerage service to the insurance provider 100 whose program broker 200 is a member.

The mileage server stores and manages mileage information paid according to the online activity result including the service usage history of the insurance carrier 100. That is, when the insurance provider 100 accesses the website of the program broker 200 and uses various program brokerage services provided by the program broker 200, the insurance provider 100 according to the program broker 200 may be used. Mileage points can be awarded to encourage active online activity.

4 is a block diagram for explaining the operation of the insurance carrier terminal, the program user server and the program broker in the mediation system of the insurance customer program according to the first embodiment of the present invention.

Referring to FIG. 4, first, the insurance provider 100 accesses the program broker 200 using his insurance provider terminal 110 and joins as a member, and then the program management server 210 of the program broker 200. Is provided for the customer program (230).

Subsequently, when the insurance provider 100 delivers a program for a customer to the server of the program user 300 by using the insurance company terminal 110, the program user 300 accesses the program management server 210 to itself. Requests the installation of a customer program on the server.

The program management server 210 provides a function to activate the customer program in response to the customer program installation request.

Subsequently, the program management server 210 continuously updates, maintains, and manages customer programs installed on the server of the program user 300.

5 is an operation flowchart of a mediation method of a program for insurance customers according to a first embodiment of the present invention.

Referring to FIG. 5, in the method of mediating an insurance program for an insurance customer according to the first embodiment of the present invention, in the method of brokering an insurance program provided by the insurance carrier 100 to the program user 300, first, In addition, the insurance provider 100 accesses the website of the program broker 200 to sign up for a member (S501), and the insurance provider 100 to sign an insurance contract with the insurance customer 400 using the terminal. A program for insurance customers is provided from the program broker 200 (S502). At this time, when the insurance carrier 100 selects a program for insurance customers for the insurance customer 400, and requests the program broker 200, the program broker 200 immediately provides the insurance client program, if the insurance carrier program is provided. Provided to (100), but if a program for insurance customers is not provided, the program for insurance customers will be developed and provided. In this case, the insurance customer program may be a CRM program for managing the insurance customer, but is not limited thereto.

Next, the terminal of the insurance provider 100 provides the insurance customer program to the server of the program user 200 (S503).

Next, the program user 300 invites and attracts insurance to the insured customer 400 on the condition that the program for the insurance customer is used, and then, the insured customer 400 and the insurance carrier 100. Brokerage online so that the insurance contract is concluded between (S504).

Next, the insurance customer 400 enters into the insurance contract online with the insurance company 100 (S505).

Next, the server of the program user 300 requests the program broker 200 for the installation of the program for the insurance customer (S507).

Next, the program intermediary 200 provides a function online to the server of the program user 300 to activate the insurance customer program (S507). That is, the insurance program is not provided to the insurance carrier 100 in a complete state, and when the program user 300 accesses and installs the program intermediary 200, the insurance customer program is activated. It will be provided additionally.

Next, when the program broker 200 requests the insurance provider 100 to charge the insurance contract (S508), the insurance provider 100 corresponds to the billing request to the program broker 200. The fee is paid to the user (S509).

Subsequently, the program broker 200 updates, maintains, and repairs the installed insurance customer program online (S510). That is, the program intermediary 200 manages the insurance customer by interworking with the server of the program user 300.

On the other hand, Figure 6 is a block diagram of the mediation system of the insurance customer program according to a second embodiment of the present invention.

Referring to FIG. 6, an intermediary system of an insurance client program according to a second embodiment of the present invention includes an insurance carrier 100, a program broker 200, and an insurance client 500, and a program broker 200. The program management server 210 may include a member information DB 220, a customer program 230, and a customer management DB 240. Here, the customer program 230 is a program for insurance customers, the insurance customer 500 is installed and used in its terminal.

First, the insurance carrier 100, the program broker 200 and the insurance customer 500 is connected to each other through a network such as the Internet.

The insurance provider 100 receives the program for the insurance customer by accessing the program broker 200 and delivers the provided insurance customer program to the terminal of the insurance customer 500.

The program broker 200 provides the insurance customer program 230 to the terminal of the insurance provider 100, and provides the function of activating the insurance customer program 230 online. In addition, the program broker 200 requests the insurance company 100 to charge accordingly when the insurance contract is concluded between the insurance company 100 and the insurance customer 500, and the insurance company 100 You will pay a fee corresponding to the charge request.

The insurance customer 500 receives the insurance customer program 230 from the terminal of the insurance provider 100 using his terminal, and the program broker 200 to install the insurance customer program 230. ). At this time, the insured customer 500 concludes an insurance contract with the insurance company 100 online on the condition that the insurance customer program 230 is used.

The program management server 210 of the program broker 100 manages the insurance customer program 230 and maintains the insurance customer program 230 installed at the request of the insurance customer 500 online. And repair.

At this time, the customer insurance program 230 is provided to the insurance provider 100, it is activated by the request of the insurance customer 500.

Member information DB (220) stores the information about the insurance carrier 100 registered as a member of the program broker 200, customer management DB (240) stores information about the insurance customer 500 do.

Compared with the first embodiment of the present invention described above, the second embodiment of the present invention does not allow a program user to install and operate a customer program, but an insurance customer accesses a program broker using his terminal. Application program will be installed and operated. That is, the insured customer 500 directly enters the insurance contract with the insurance company 100, and receives a program for the customer.

7 is a configuration diagram for explaining the operation of the insurance carrier terminal, insurance customer terminal and the program broker in the mediation system of the insurance customer program according to a second embodiment of the present invention.

Referring to FIG. 7, first, the insurance provider 100 accesses the program broker 200 using his insurance provider terminal 110 and joins as a member, and then the program management server 210 of the program broker 200. Is provided for the customer program (230).

Subsequently, when the insurance provider 100 delivers the terminal customer program of the insurance customer 500 using the insurance carrier terminal 110, the insurance customer 500 accesses the program management server 210. Request the customer program installation on his terminal.

The middleman of the program 200 is the program management server 210, member information DB 220, customer program 230, customer management DB 240, customer management server 250, interface server 260 and authentication The server 270 may be additionally included, and the additional service server 280 or the mileage server may be additionally included. Since the same operation as the first embodiment of the present invention is performed, the detailed description thereof will be omitted.

The program management server 210 may provide a function for activating the customer program in response to a client program installation request of the insurance customer 500 terminal.

Subsequently, the program management server 210 continuously updates, maintains, and manages the program for the customer installed in the insured customer 500 terminal.

8 is an operation flowchart of a method of mediating a program for insurance customers according to a second embodiment of the present invention.

Referring to FIG. 8, a method of mediating an insurance program for an insurance customer according to a second embodiment of the present invention includes a method for brokering an insurance program for an insurance company 100 to provide to an insurance customer 500. First, the insurance provider 100 accesses the website of the program broker 200 to sign up for a member (S801), and the insurance company 100 for signing an insurance contract with the insurance customer 500 is connected to the terminal. Using the program broker is provided with a program for insurance customers (S802). At this time, when the insurance provider 100 selects a program for insurance customers for the insurance customer 500 and requests the program broker 200, the program broker 200 immediately provides the insurance client program, if the insurance provider program is provided. Provided to (100), but if a program for insurance customers is not provided, the program for insurance customers will be developed and provided.

Next, the terminal of the insurance provider 100 provides the insurance customer program to the terminal of the insurance subscription customer 500 (S803).

Next, the insurance customer 500 enters into the insurance contract online with the insurance company 100 (S804).

Next, the terminal of the insurance customer 500 requests the program broker 200 for installation of the insurance customer program (S805).

Next, the program intermediary 200 provides a function online to the terminal of the insurance customer 500 to activate the program for the insurance customer (S806). That is, the program for the insurance customer is not provided to the insurance carrier 100 in a complete state, and when the insurance customer 500 is installed by accessing the program intermediary 200, the function for activating the program for the insurance customer Will provide additional.

Next, when the program broker 200 requests the insurance provider 100 to charge the insurance contract (S807), the insurance carrier 100 corresponds to the billing request to the program broker 200. Will pay the fee to (S808).

Subsequently, the program broker 200 updates, maintains, and repairs the installed insurance customer program online (S809). That is, the program broker 200 manages the insurance customer through the insurance customer program.

On the other hand, Figure 9 is a diagram illustrating a website configuration of the program broker for insurance customers in accordance with an embodiment of the present invention.

9, the program broker 200 includes a program management server 210, a member information DB 220, a customer program 230, a customer management DB 240, and the like. To provide services. In addition, the program broker 200 allows an insurance company that has registered as a member through the website to use all the information provided by the website of the program broker.

The program broker 200 represents a portal site that can provide an information search service, an information analysis service, a personalized service, and a community service in addition to the program brokerage service according to an embodiment of the present invention.

The information retrieval service provides integrated search, classification search, member DB search, and the like. The information analysis service provides web-based analysis, various search functions, export functions, conversion and printing functions, and sorting by conditions. In addition, the personalized service provides personalized services such as personal screen setting, point management and linked community, and community service provides expert reply, SMS broadcast, bulletin board UI (User Interface) management and bulletin board maintenance. That is, the program broker 200 may include a portal engine, a search system, a web robot, and the like, to provide a portal service in addition to the program brokering service according to an embodiment of the present invention.

After all, as a first embodiment of the present invention, when a program broker intermediates a customer program to an insured customer at the request of the insurer, the program user uses the customer program and connects the insured customer to the insurer. A method is provided.

In addition, as a second embodiment of the present invention, when a program broker intermediates a client program to an insured customer at the request of the insurer, the insured customer enters into an insurance contract directly with the insurer, and then the client program. A method of using is provided.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and it is common in the art that various substitutions, modifications, and changes can be made without departing from the technical spirit of the present invention. It will be evident to those who have knowledge of.

According to the present invention, by the program intermediary to provide a program for the customer, the insurance carrier can provide a service differentiated from the competitors to easily secure insurance customers, the program user or insurance customers You can get the program without purchasing it yourself. In addition, according to the present invention, after the program intermediary to provide a program for the customer, and continuously maintained and repaired, the program user or insurance customers can use the customer program at no additional cost.

Claims (20)

In a method of brokering a program for insurance customers provided by an insurance carrier to a program user, a) receiving a program for an insurance customer from a program broker by using the terminal for the insurance company to enter into an insurance contract with the insured customer; b) the insurance provider terminal providing the insurance customer program to the server of the program user; c) intermediary by the program user on-line so that the insurance contract is concluded between the insured customer and the insurer under the use of the program for the insurance customer; d) the insurance customer signing the insurance contract online with the insurance carrier; e) requesting, by the program user's server, the program broker to install the program for the insurance customer; And f) the program broker providing a function online to the program user's server to activate the program for the insurance customer; Brokerage method of the program for insurance customers, including. The method of claim 1, Requesting, by the program broker, the insurance provider to charge the insurance contract; And The insurance provider paying a fee to the program broker in response to the billing request. Brokerage method of the program for insurance customers further comprising. The method of claim 1, The program broker maintaining and repairing the installed insurance client program online Brokerage method of the program for insurance customers further comprising. The method of claim 1, The insurance customer program is a brokerage method for an insurance customer program, characterized in that the customer relationship management (CRM) program for managing the customer insurance. The method of claim 1, The program broker joins the insurance company as a member, and intermediary method of the insurance customer program, characterized in that for managing the insurance customer in conjunction with the server of the program user. A method of brokering an insurance program for an insurance carrier to provide to an insured client, a) receiving an insurance program for an insurance customer from a program broker using a terminal for the insurance company to conclude an insurance contract with the insured customer; b) the terminal of the insurance provider providing the insurance customer program to the terminal of the insured customer; c) the insurance customer signing the insurance contract online with the insurance provider subject to the use of the insurance customer program; d) requesting, by the terminal of the insured customer, the program broker for installation of the insurance customer program; And e) providing, by the program broker, a function online to the terminal of the insured customer so that the program for the insurance customer is activated. Brokerage method of the program for insurance customers, including. The method of claim 6, Requesting, by the program broker, the insurance provider to charge the insurance contract; And The insurance provider paying a fee to the program broker in response to the billing request. Brokerage method of the program for insurance customers further comprising. The method of claim 6, The program broker maintaining and repairing the installed insurance client program online Brokerage method of the program for insurance customers further comprising. The method of claim 6, The insurance program is a brokerage method of the insurance program for the customer, characterized in that the CRM program for managing the insurance customer. The method of claim 6, The program broker joins the insurance company as a member and manages the insurance customer through the insurance customer program. In a system for brokering a program for insurance customers provided by insurance carriers to program users, An insurance provider terminal which accesses a program intermediary to receive a program for insurance customers and delivers the provided program for insurance customers to a program user server; A program broker which provides the insurance client program to the insurance carrier terminal and provides a function of activating the insurance client program online; A program user server that receives a program for an insurance customer from the insurance carrier terminal and requests the program broker for installation of the insurance customer program; And An insurance customer terminal managed by the server of the program user and entering into an insurance contract with the insurance company online. Brokerage system of the program for insurance customers, including. The method of claim 11, wherein the program intermediary, A program management server managing the program for the insurance customer; A member information database for storing information about the insurance carrier subscribed as a member of the program broker; A program for customer insurance provided to the insurance carrier and activated at the request of the program user; And Customer management database that stores information about the insured customer Brokerage system of the program for insurance customers, including. The method of claim 12, The program management server is a brokerage system for insurance program, characterized in that for maintaining and repairing the program for the insurance customer online installed at the request of the program user. The method of claim 11, The insurance customer program is a brokerage system for an insurance customer program, characterized in that the CRM program for managing the insurance customer. The method of claim 11, The program intermediary requests the insurance company to charge the insurance contract, and the insurance company pays a fee corresponding to the billing request. In a system for brokering a program for insurance customers provided by insurance companies to insured customers, An insurance provider terminal which accesses a program broker to receive a program for an insurance customer, and delivers the provided insurance customer program to a terminal of an insurance customer; A program broker which provides the insurance client program to the insurance carrier terminal and provides a function of activating the insurance client program online; And An insurance customer terminal that receives a program for insurance customers from the insurance carrier terminal, requests the program broker for installation of the insurance customer program, and concludes an insurance contract with the insurance carrier online. Brokerage system of the program for insurance customers, including. The method of claim 16, wherein the program intermediary, A program management server managing the program for the insurance customer; A member information database for storing information about the insurance carrier subscribed as a member of the program broker; A customer insurance program provided to the insurance provider and activated at the request of the insurance subscriber terminal; And Customer management database that stores information about the insured customer Brokerage system of the program for insurance customers, including. The method of claim 17, The program management server is a brokerage system of the insurance customer program, characterized in that for maintaining and repairing the insurance program for the customer installed online at the request of the insurance customer terminal. The method of claim 16, The insurance customer program is a brokerage system for an insurance customer program, characterized in that the CRM program for managing the insurance customer. The method of claim 16, The program intermediary requests the insurance company to charge the insurance contract, and the insurance company pays a fee corresponding to the billing request.

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