KR20090028008A - Insurance subscription system using location information of cellular phone and the method using the same thereof - Google Patents
Insurance subscription system using location information of cellular phone and the method using the same thereof Download PDFInfo
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- KR20090028008A KR20090028008A KR1020070093254A KR20070093254A KR20090028008A KR 20090028008 A KR20090028008 A KR 20090028008A KR 1020070093254 A KR1020070093254 A KR 1020070093254A KR 20070093254 A KR20070093254 A KR 20070093254A KR 20090028008 A KR20090028008 A KR 20090028008A
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Abstract
Description
The present invention relates to an insurance system, and more specifically, to detect the location of the mobile phone using GPS to be insured only when the mobile phone is located on the highway section, and automatically detects the accident by detecting the mobile speed of the mobile phone. The present invention relates to an insurance subscription system using a location information of a mobile phone and a method thereof.
In general, a mobile communication terminal includes a mobile phone, a mobile phone, a PDA, etc. For the sake of clarity and convenience of the invention, all of them are collectively referred to as a mobile phone.
On the other hand, although there are many applications for the conventional insurance system and method, the insurance system and the method using the location-based of the mobile terminal has been disclosed in Patent Application No. 10-2003-67770.
According to the patent publication, an ARS system for guiding insurance products required in a specific region through automatic response, a payment system for micropayment at the time of insurance, and the location of the mobile terminal from a home location register, the mobile terminal receives a specific location. When a location is registered in the region, a text message is transmitted to the mobile phone terminal through an SMS server. The mobile phone terminal, which is called back to a text message, is connected to the ARS system, and the insurance system is input when the insurance subscription signal is input from the mobile phone terminal. An insurance subscription system using a location-based mobile phone terminal consisting of an insurance subscription server that performs payment through a connection with an insurance company system, sends subscription information for insurance subscription, receives contract information, and receives contract information to the mobile phone terminal. Started.
By the way, the conventional location-based insurance system and method is configured to guide the insurance and receive insurance when located in a specific area using the location information of the mobile phone, 1) the insurance state expires even if you leave a specific area There are disadvantages that can be applied only in case of travel insurance that should not be avoided. 2) There is a problem that it is impossible to design a limited-time and multiple insurance plan that insures only the expressway section and leaves the highway when the insurance expires. There is a problem that it is impossible to design insurance that can be automatically received by periodically checking whether an accident has occurred in the highway section.
The present invention is to solve the above-mentioned problems, the insurance is insured only on the highway section, the insurance registration system and method using the location information of the mobile phone to automatically grasp the accident occurrence signs on the highway to receive the accident automatically The purpose is to provide.
Look at the features of the present invention for achieving the above object.
A first feature of the present invention is an insurance subscription system which is contracted with the cellular phone user in advance to insure the cellular phone user only during the time when the cellular phone is located in a specific area, and to expire the insurance when the cellular phone leaves the specific area. To; A data communication network providing a path for transmitting data by wire and wirelessly; A mobile phone which is a wireless terminal for wirelessly transmitting and receiving data through the data communication network; Receiving the location information of the mobile phone using a GPS, when the mobile phone is located in a predetermined highway section, transmits insurance application information for the user of the mobile phone, receives insurance approval information for the insurance application information, the insurance A communication server for transmitting insurance guide information combining application information and the insurance approval information to the mobile phone; An insurance company server for receiving insurance application information from the communication company server, determining whether to approve the insurance application of the user, and transmitting the insurance approval information including the determination of the approval to the communication company server; will be.
A second feature of the present invention is an insurance subscription system pre-contracted with the cellular phone user to insure the cellular phone user only during the time when the cellular phone is located in a specific area, and to expire the insurance when the cellular phone leaves the specific area. To; A data communication network providing a path for transmitting data by wire and wirelessly; A mobile phone which is a wireless terminal for wirelessly transmitting and receiving data through the data communication network; Receiving the location information of the mobile phone using a GPS, when the mobile phone is located in a predetermined highway section, transmits insurance application information for the user of the mobile phone, receives insurance approval information for the insurance application information, the insurance A communication server for transmitting insurance guide information combining application information and the insurance approval information to the mobile phone; An insurance company server for receiving insurance application information from the communication company server, determining whether to approve the insurance application of the user, and transmitting the insurance approval information including the determination of the approval to the communication company server; ; When the mobile phone user has an accident on the highway section, the insurance company server receives the accident occurrence information input from the mobile phone, and transmits the received accident occurrence information to the communication company server, the communication company server using the GPS Receives the location information of the mobile phone and transmits the accident location information to the insurance company server.
A third feature of the present invention is an insurance subscription system which is contracted with the cellular phone user in advance to insure the cellular phone user only during the time when the cellular phone is located in a specific area, and to expire the insurance when the cellular phone leaves the specific area. To; A data communication network providing a path for transmitting data by wire and wirelessly; A mobile phone which is a wireless terminal for wirelessly transmitting and receiving data through the data communication network; Receiving the location information of the mobile phone using a GPS, when the mobile phone is located in a predetermined highway section, transmits insurance application information for the user of the mobile phone, receives insurance approval information for the insurance application information, the insurance A communication server for transmitting insurance guide information combining application information and the insurance approval information to the mobile phone; An insurance company server for receiving insurance application information from the communication company server, determining whether to approve the insurance application of the user, and transmitting the insurance approval information including the determination of the approval to the communication company server; ; When the mobile phone user has an accident on the highway section, the insurance company server receives the accident occurrence information input from the mobile phone, and transmits the received accident occurrence information to the communication company server, the communication company server using the GPS Receives the location information of the mobile phone and transmits the accident location information to the insurance company server, the insurance company server based on the accident location information accident confirmation information about the accident status and the degree of accident from the mobile phone of the accident handling panel dispatched to the accident location Receives and receives, and is to transfer the insurance money online to the account of the mobile phone user according to the accident confirmation information.
A fourth aspect of the present invention is to use the insurance system consisting of wired and wireless data communication network, a mobile phone, a communication company server to insure the mobile phone user only during the time that the mobile phone is located in a specific area, An insurance method for pre-contracting with a mobile phone user to expire the insurance when outside a specific area; An application step of generating insurance application information for the mobile phone user from the telecommunication company server and transmitting insurance application information to the insurance company server to request insurance subscription; An approval step of determining, by the insurance company server, whether to be insured of the mobile phone user included in the insurance application information, and generating insurance approval information based on this, and transmitting the insurance approval information to the communication company server; The communication company server detects whether the mobile phone is located in the highway section by receiving the location information of the mobile phone using GPS; The communication company server generates a guide information by combining the insurance application information and the insurance approval information, and transmitting the information to the mobile phone; The telecommunication company server receives the premium premium contracted on the payment date according to the contract with the mobile phone user, the payment step of confirming whether the transfer of the premium; The communication company server includes a settlement step of periodically transferring the insurance premium to the insurance company server to settle.
The fifth aspect of the present invention is to use the insurance subscription system consisting of a wired and wireless data communication network, a mobile phone, and a communication company server to insure the mobile phone user insured only for a time when the mobile phone is located in a specific area. An insurance method for pre-contracting with a mobile phone user to expire the insurance when a particular area is left out; An application step of generating insurance application information for the mobile phone user from the telecommunication company server and transmitting insurance application information to the insurance company server to request insurance subscription; An approval step of determining, by the insurance company server, whether to be insured of the mobile phone user included in the insurance application information, and generating insurance approval information based on this, and transmitting it to the communication company server; The communication company server detects whether the mobile phone is located in the highway section by receiving the location information of the mobile phone using GPS; The communication company server generates a guide information by combining the insurance application information and the insurance approval information, and transmitting the information to the mobile phone; The telecommunication company server receives the premium premium contracted on the payment date according to the contract with the mobile phone user, the payment step of confirming whether the transfer of the premium; The telecommunication company server is settled periodically by transferring the premium to the account that can be confirmed by the insurance company server; The telecommunication company server periodically detects the current position of the mobile phone by using the GPS to detect the moving speed of the mobile phone, the detected speed of the mobile phone is not only zero, the current location of the mobile phone is a highway section and non-road area ( For example, when exceeding a predetermined reference time or more in the road area (not a rest stop), and includes a confirmation step for transmitting a message to the mobile phone to automatically receive the occurrence of the accident of the mobile phone user.
According to a preferred embodiment of the present embodiment, it is possible to design insurance according to a limited number of situations, the insurance premiums can be cheap and high insurance design is possible, thereby providing a high quality insurance services.
Moreover, it is possible to build a fast and friendly automatic accident acceptance system for users who do not have enough situation to know where to call when an accident occurs, which has the advantage of renewing the insurance company's customer image.
Hereinafter, the present invention will be described in detail.
First, the present invention is applied to the insurance system in advance contracted with the mobile phone user to insure the mobile phone user to the insurance only during the time that the mobile phone is located in a specific area, and to expire the insurance when the mobile phone is out of the specific area. In other words, offline or online, mobile phone users and telecommunication companies should exchange contracts for insurance contracts that will automatically insure insurance when the mobile phones are already located in the highway section.
In addition, 1) the premium may be one of cash, mileage accumulated to subscribers of the telecommunications company, or points accumulated to other companies. 2) The billing method may be one of immediate billing and billing charges. .
1 is a view for explaining an insurance system and method using the location information of a mobile phone according to the present invention, and a
In addition, when the location information of the mobile phone is received using GPS and the mobile phone is located in a predetermined highway section, the insurance application information for the user of the mobile phone is transmitted, and insurance approval information for the insurance application information is received. There is provided a
And an insurance company server which receives insurance application information from the communication company server, determines whether to approve the insurance application of the user, and transmits the insurance approval information including the determination of the approval to the communication company server. 40).
Here, when the mobile phone user has an accident on the highway section, the insurance company server receives the accident occurrence information input from the mobile phone, and transmits the received accident occurrence information to the communication company server.
In addition, the communication company server receives the location information of the mobile phone using GPS and transmits the accident location information to the insurance company server, the insurance company server is the mobile phone of the accident handling unit dispatched to the accident location based on the accident location information. Receives and receives the accident confirmation information about the accident status and the degree of fault from, and transfers the insurance money online to the account of the mobile phone user according to the accident confirmation information.
Let's take a look at insurance method using this insurance system.
Application step (1) of generating insurance application information for the mobile phone user in the communication company server, and sending insurance application information to the insurance company server to request insurance, the mobile phone included in the insurance application information in the insurance company server After determining whether the user is insured, based on this, the approval step (2) of generating insurance approval information and transmitting it to the communication company server is sequentially performed.
Subsequently, the communication company server detects whether the mobile phone is located in the highway section by receiving location information of the mobile phone using a GPS (3), and the communication company server uses the insurance application information and the insurance approval information. Combine and generate insurance guide information, and proceeds to the guide step (4) to transmit it to the mobile phone.
At this time, the telecommunication company server receives the contract premium on the payment date according to the contract with the mobile phone user, and performs the payment step (5) to confirm whether the premium transfer.
On the other hand, although not shown in the figure, the telecommunications company server may include a settlement step of periodically transferring the premium to the account that can be confirmed by the insurance company server.
Here, we look at the data flow when an accident occurs.
In case of an accident, that is, in case of a contact accident with another vehicle on the highway section, two types of accident reception methods are provided.
1) How to receive accidents by user input
When the mobile phone user accident occurs in the highway section, the insurance company server receives the accident occurrence information input from the mobile phone (3a), and transmits the received accident occurrence information to the communication company server (3b), the communication company server Receives the location information of the mobile phone using GPS and transmits the accident location information to the insurance company server (3c), the insurance company server accident from the mobile phone of the accident handling unit dispatched to the accident location based on the accident location information Receives and receives accident confirmation information about the history and the degree of error, and transfers the insurance money online to the account of the mobile phone user according to the accident confirmation information (3d).
2) Accident Receiving Method Using GPS
The telecommunication company server periodically detects the current position of the mobile phone by using the GPS to detect the moving speed of the mobile phone, the detected speed of the mobile phone is not only zero, the current location of the mobile phone is a highway section and non-road area ( For example, it is assumed that an accident has occurred to a mobile phone user once the reference time is exceeded in a road area other than a rest area.
Here, the method for detecting the moving speed of the mobile phone periodically detects the location of the mobile phone, calculates the distance between the detected locations, and then calculates the distance between locations by dividing the period, that is, the time value.
Subsequently, in order to check whether the assumption is true, the mobile phone sends a text message for accident reception to the mobile phone, opens and views the text message of the mobile phone, and presses a call button to design the ARS.
Accident occurrence is received according to this ARS, and accident processing proceeds in the same manner as in 1) Accident reception method by user input.
That is, the insurance company server receives the accident confirmation information about the accident status and the degree of fault from the mobile phone of the accident processing panel dispatched to the accident location based on the accident location information, and receives the insurance money according to the accident confirmation information. Make an online transfer to your account (3d).
For reference, in the present invention, two contracts are generated. The provisional contract situation where the location of the mobile phone is the highway section and the present contract situation where the location of the mobile phone is the highway section are the main contents of the provisional contract. If it is located, it is insured, and the main content of this contract is that it provides contracted compensation if an accident occurs on the highway section.
1 is a view for explaining an insurance subscription system and method using the location information of a mobile phone according to the present invention.
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KR20070093254A KR100908632B1 (en) | 2007-09-13 | 2007-09-13 | Insurance system and method using location information of mobile phone |
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KR20070093254A KR100908632B1 (en) | 2007-09-13 | 2007-09-13 | Insurance system and method using location information of mobile phone |
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR101387446B1 (en) * | 2012-12-05 | 2014-04-21 | 성규석 | System for protecting traffic accident and method thereof |
KR20220001017A (en) | 2020-06-03 | 2022-01-04 | 캐롯손해보험 주식회사 | System of smart insurance based on activity information |
Families Citing this family (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR101596625B1 (en) | 2015-02-13 | 2016-02-22 | 고경석 | Method and Device for Location Based Leisure Insurance Provision |
KR101716075B1 (en) | 2016-02-15 | 2017-03-14 | 고경석 | Method and Device for Presenting Location Based Leisure Insurance and Providing Leisure Service |
KR101716076B1 (en) | 2016-02-15 | 2017-03-14 | 고경석 | Method and Device for Providing and Terminating Location Based Leisure Insurance |
Family Cites Families (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20020007748A (en) * | 2000-07-18 | 2002-01-29 | 윤영현 | A short-term guaranteed insurance contracting method |
KR20040084562A (en) * | 2003-03-28 | 2004-10-06 | 에스케이 텔레콤주식회사 | Service System and Method for Providing Small Sum Insurance Based on Location in Mobile Communication Network |
KR20060128178A (en) * | 2005-06-09 | 2006-12-14 | 이인희 | Information transmission system using mobile and method thereof |
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2007
- 2007-09-13 KR KR20070093254A patent/KR100908632B1/en active IP Right Grant
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR101387446B1 (en) * | 2012-12-05 | 2014-04-21 | 성규석 | System for protecting traffic accident and method thereof |
KR20220001017A (en) | 2020-06-03 | 2022-01-04 | 캐롯손해보험 주식회사 | System of smart insurance based on activity information |
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