KR20090038218A - Method of relaying plual contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof - Google Patents
Method of relaying plual contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof Download PDFInfo
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- KR20090038218A KR20090038218A KR1020070103600A KR20070103600A KR20090038218A KR 20090038218 A KR20090038218 A KR 20090038218A KR 1020070103600 A KR1020070103600 A KR 1020070103600A KR 20070103600 A KR20070103600 A KR 20070103600A KR 20090038218 A KR20090038218 A KR 20090038218A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The present invention relates to a multiple contract relay method and system for automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet.
Multiple contract relay method of the present invention comprises the steps of applying for an insurance contract; Checking whether the vehicle is registered; Determining whether insurance is possible; Providing the calculated premiums and the automobile liability insurance policy and the traffic accident prevention driver compensation insurance policy; Transmitting, storing, and notifying the contract when the insurance is signed; And if the compensation claim according to the traffic accident prevention driver compensation insurance terms and conditions is composed of the step of paying the contracted compensation.
The present invention will greatly contribute to the prevention of traffic accidents in Korea as well as worldwide.
Description
The present invention relates to a multiple contract relay method and system of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet, and in particular, by providing appropriate compensation in case of no accident or violation of traffic regulations during a certain period or mileage The present invention relates to a multiple contract relay method and system for automobile damage liability insurance and traffic accident prevention driver's compensation insurance which greatly contributed to the prevention of traffic accidents.
In general, auto insurance refers to insurance that covers automobiles for the purpose of insurance and damages arising out of their owning, using, and managing. These auto insurances are classified as mortgages, which are classified into vehicle insurance (vehicle insurance), personal compensation insurance (personal compensation insurance), object compensation insurance (object compensation insurance) and injury insurance (injury insurance).
On the other hand, the policy insurance system for forcibly joining a car owner is the automobile damage liability insurance prepared by the Automobile Damage Guarantee Act. This insurance is for the purpose of relieving victims of traffic accidents, and the car owner is obliged to purchase it.
However, such insurance is usually indemnified in the event of a traffic accident, so it will not be effective in terms of preventing traffic accidents.
Accordingly, an object of the present invention is to provide a multi-contract agreement between the automobile damage liability insurance and the traffic accident prevention driver's compensation insurance using the Internet to prevent traffic accidents by providing appropriate compensation for accidents or violations of traffic regulations for a certain period or mileage. It is to provide a relay method and a system thereof.
The present invention for achieving the above object comprises the steps of applying for an insurance contract to the insurance subscriber server subscribed to the insurance relay server; The insurance relay server obtaining vehicle information from the insurance subscriber server and confirming whether the vehicle is registered from a vehicle registration office server; If the vehicle is a registered vehicle, determining whether the insurance relay server can obtain insurance information from the insurance development agency server and the insurance association server by obtaining various types of information about the vehicle, including information such as whether traffic violations are supported by the police agency server; If the insurance is available, the insurance relay server calculates the car liability insurance premium and the traffic accident prevention driver compensation premium, respectively, and calculates the insurance premiums, the car insurance liability insurance policy and the traffic accident prevention driver compensation insurance, respectively. Providing to the subscriber server; When the insured server concludes the insurance, the insurance relay server transmits the concluded contents to the insured server, receives the accredited certificate from the accredited certification authority server, and stores it in the electronic document storage server. Notifying the server; And when the insurance subscriber server requests compensation from the insurance relay server according to the traffic accident prevention driver compensation insurance policy, the insurance relay server pays a compensation contract contracted with the insurance subscriber server.
The insurance relay server pays compensation if there is no reason for disqualification, such as a traffic accident or violation of traffic laws, for a certain period or mileage, based on the information obtained from the insurance development agency server and the insurance association server.
In addition, if the insured server repays the traffic accident prevention driver compensation premium in spite of a violation of a traffic accident or a traffic law, the insurance relay server starts the traffic accident prevention driver from the date of repayment of the insurance premium. It is desirable to extend the contract period of compensation insurance and to preserve the premium paid by the subscriber server.
In addition, it is preferable that the insurance relay server pays compensation when a vehicle accident other than a disease or death or a traffic accident due to overworking occurs.
Meanwhile, the present invention provides an insurance subscriber server connected to the insurance relay server. A support server connected to the insurance relay server to support the information of the subscriber server according to the request of the insurance relay server and to support a task such as storing the contents of insurance concluded with the insurance server; And determine whether to insure insurance based on the information of the insurance server supported by the support server through communication with the support server and the insurance server, and if possible, calculate the automobile liability insurance premium and the traffic accident prevention driver compensation premium, respectively. After calculating and providing to the subscriber server together with the relevant terms and conditions, the insurance contents concluded are requested and stored by the support server, and if the subscriber server requests compensation according to the traffic accident prevention driver compensation insurance policy, the contract is signed. It includes an insurance relay server for paying a compensation.
The insurance relay server preferably pays compensation based on the information obtained from the support server if there is no disqualification reason such as a traffic accident or a traffic law violation during a certain period or mileage.
In addition, if the insured server repays the traffic accident prevention driver compensation premium in spite of a violation of a traffic accident or a traffic law, the insurance relay server starts the traffic accident prevention driver from the date of repayment of the insurance premium. It is desirable to extend the contract period of compensation insurance and to preserve the premium paid by the subscriber server.
In addition, it is preferable that the insurance relay server pays compensation when a vehicle accident other than a disease or death or a traffic accident due to overworking occurs.
In addition, the support server is preferably made of a vehicle registration office server, financial supervisory server, insurance development agency server, police agency server, insurance association server, authorized certification authority server, electronic document storage server.
By the above solution, traffic accidents will be greatly prevented not only in Korea but also worldwide.
The above objects, advantages and other features will be apparent from the following description with reference to the accompanying drawings.
Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention will be described in detail.
1 is a diagram showing a multiple contract relay system of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention.
As shown in the drawings, the multi-contract relay system of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention is the
The
The
The
The
The insurance concluded between the
The
Compensation is paid based on the information obtained from the
At this time, if the insured
In addition, compensation is paid when driving, vehicle disease other than illness or death or traffic accident occurs. In other words, while driving a car, compensation is provided for illness or death due to overworking, and compensation for damages when a car breaks down besides an automobile accident.
The
The
Hereinafter, the contract relay method of the present invention system will be described in detail. Since the compensation of the automobile liability insurance is compensated according to a well-known procedure, the direction of the procedure toward compensation of the accident compensation driver compensation insurance Make sure you grab it.
Figure 2 is a flow chart illustrating a multiple contract relay method of the automobile liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention, Figure 3 is a vehicle damage liability insurance and traffic accident prevention using the Internet according to the present invention Figure 4 shows an input window for obtaining vehicle information in the multiple contract relay method of driver's compensation insurance, Figure 4 is a multiple contract relay method of the automobile compensation insurance insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention Shows an example of sending an SMS text service.
As shown in the figure, in the multiple contract relay method of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention, the
If the
If the result of the check in step S113 is a registered vehicle, the
If it is determined in step S115 that insurance can be obtained, the
When the
After the insurance is concluded, if the
The
At this time, if the
In addition, the
As described above, according to the present invention, the automobile damage compensation insurance and the traffic accident prevention driver's compensation insurance at the same time, the damage caused by owning, using, and managing the car is transferred to the automobile liability insurance, and the accident prevention driver Compensation insurance has the effect of paying appropriate compensation for the property and human beings in case of no accidents or violations of traffic accidents, so as to comply with traffic laws and thereby greatly prevent traffic accidents.
1 is a diagram showing a multiple contract relay system of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention.
Figure 2 is a flow chart illustrating a multiple contract relay method of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention.
3 is a view showing an input window for obtaining vehicle information in a multiple contract relay method of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention.
4 is a diagram showing an example of SMS text service transmission in the multiple contract relay method of the automobile damage liability insurance and traffic accident prevention driver compensation insurance using the Internet according to the present invention.
<Description of the symbols for the main parts of the drawings>
10: insurance subscriber server 20: insurance relay server
21: Member D / B 23: Traffic accident prevention driver compensation insurance D / B
25: Car damage liability insurance D / B 30: Support server
31: Car registration office server 32: Financial Supervisory Service server
33: Insurance Development Agency Server 34: Police Agency Server
35: Insurance Association Server 36: Certified Certification Authority server
37: Electronic Archive Server
Claims (9)
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020070103600A KR20090038218A (en) | 2007-10-15 | 2007-10-15 | Method of relaying plual contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof |
PCT/KR2008/005891 WO2009051365A1 (en) | 2007-10-15 | 2008-10-08 | Method of relaying plural contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020070103600A KR20090038218A (en) | 2007-10-15 | 2007-10-15 | Method of relaying plual contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof |
Publications (1)
Publication Number | Publication Date |
---|---|
KR20090038218A true KR20090038218A (en) | 2009-04-20 |
Family
ID=40567570
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
KR1020070103600A KR20090038218A (en) | 2007-10-15 | 2007-10-15 | Method of relaying plual contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof |
Country Status (2)
Country | Link |
---|---|
KR (1) | KR20090038218A (en) |
WO (1) | WO2009051365A1 (en) |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20190050743A (en) | 2019-03-06 | 2019-05-13 | 엠지손해보험(주) | Method and apparatus for providing automobile liability insurance service |
KR20190050513A (en) | 2017-11-03 | 2019-05-13 | 엠지손해보험(주) | Method and apparatus for providing automobile liability insurance service |
KR102182059B1 (en) | 2019-08-05 | 2020-11-23 | 한화손해보험(주) | Method and apparatus for providing short-term insurance |
KR20230167259A (en) | 2022-05-31 | 2023-12-08 | 성열오 | Auto-renewal system and method for pre-contract and post-paid auto insurance contracts |
Families Citing this family (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP2345989A1 (en) | 2010-01-14 | 2011-07-20 | Grzegorz Stankiewicz | The method for automatic and partially automatic processing of financial agreements, in particular credit and insurance agreements, the system facilitating automatic and partially automatic processing of financial agreements, and the kiosk for automatic processing of financial agreements |
CN105303852B (en) * | 2015-09-07 | 2018-09-28 | 首都师范大学 | Traffic accident message distributing method based on In-vehicle networking |
CN107067718B (en) * | 2016-12-29 | 2020-05-01 | 盯盯拍(深圳)技术股份有限公司 | Traffic accident responsibility evaluation method, traffic accident responsibility evaluation device, and traffic accident responsibility evaluation system |
CN107784592A (en) * | 2017-04-06 | 2018-03-09 | 平安科技(深圳)有限公司 | Insurance money computational methods and device |
US11842407B2 (en) | 2018-06-04 | 2023-12-12 | Machine Cover, Inc. | Parametric instruments and methods relating to geographical area business interruption |
US11823274B2 (en) | 2018-06-04 | 2023-11-21 | Machine Cover, Inc. | Parametric instruments and methods relating to business interruption |
Family Cites Families (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20000054826A (en) * | 2000-06-27 | 2000-09-05 | 이수창 | Insurance Joining Service System And Method Thereof Using By Interactive Manner A Moving Picture scenario Data |
KR20020008545A (en) * | 2000-07-21 | 2002-01-31 | 김영재 | Automobile insurance fee calculating method |
KR20020010348A (en) * | 2000-07-29 | 2002-02-04 | 이수창 | The method and apparatus for a small sum compensation prosses of car insurance |
KR20020084654A (en) * | 2001-05-04 | 2002-11-09 | 권영진 | Compensation processing method and device through network of auto insurance |
-
2007
- 2007-10-15 KR KR1020070103600A patent/KR20090038218A/en not_active Application Discontinuation
-
2008
- 2008-10-08 WO PCT/KR2008/005891 patent/WO2009051365A1/en active Application Filing
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20190050513A (en) | 2017-11-03 | 2019-05-13 | 엠지손해보험(주) | Method and apparatus for providing automobile liability insurance service |
KR20190050743A (en) | 2019-03-06 | 2019-05-13 | 엠지손해보험(주) | Method and apparatus for providing automobile liability insurance service |
KR102182059B1 (en) | 2019-08-05 | 2020-11-23 | 한화손해보험(주) | Method and apparatus for providing short-term insurance |
KR20230167259A (en) | 2022-05-31 | 2023-12-08 | 성열오 | Auto-renewal system and method for pre-contract and post-paid auto insurance contracts |
Also Published As
Publication number | Publication date |
---|---|
WO2009051365A1 (en) | 2009-04-23 |
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