KR20100063962A - System and method for providing of additional service in mutual aid insure admission - Google Patents

Abstract

PURPOSE: An additional service providing system of mutual aid insurance and a method there of are provided to provide suitable mutual aid insurance for a client based on data inputted by the client and additional service to the client. CONSTITUTION: A mutual aid insurance web server(100) provides funeral supplies and funeral service. An advance obituary reservation service server(110) processes advance obituary reservation of a client. A payment management service server(140) calculates insurance bill which the client paid thereby determining whether service which the client insured is provided. An obituary notify service server(120) provides obituary notify service to mobile phones of acquaintances of a client.

Description

System and method for providing additional service in mutual insurance {System and method for providing of additional service in mutual aid insure admission}

The present invention relates to premature insurance, and in particular, when a customer interested in premature insurance through a pre-set 'objective insurance subscription index' accesses the premature insurance web server and subscribes to premature insurance, the customer based on the data entered by the customer The present invention relates to a supplementary service providing system and a method for providing a supplementary insurance product suitable for a supplementary insurance product and suitable for providing supplementary services such as an advance notice reservation service, a date information service, and a heaven gift service.

Generally, premature insurance is an insurance product that pays a funeral cost or a memorial fee in case of an accident or illness and at the same time, an insurance company provides funeral services in cooperation with a professional funeral service company.

Coverage is the same as life insurance, which pays the death benefit when it dies. However, unlike general life insurance, which has a maximum payout limit of 100 million won or more, the maximum payout limit is about 5 to 30 million won, which can be used as a funeral preparation cost.

In the past, large family societies faced difficulties at funerals, but in these days, many families have to prepare alone without funeral experience.

In the case of funerals, it is often the case that preparations are made suddenly, and sudden family death is left to the surviving survivors with mental shock and economic burden. Therefore, the need for premature insurance is increasing for the silver generation who wants to prepare their own post-mortem funds to relieve the burden of their families and the younger generation who are not used to the complex funeral culture.

Premature insurance is prepared at a low premium of KRW 10,000-30,000 per month in advance to reduce the burden of large funeral expenses with death insurance at the time of death, and also provides funeral services such as funeral procedures and advice services. It is a new concept insurance product that can be prepared.

However, in the past, there has been a technology to perform such premature insurance by applying such premature insurance through the Internet.However, based on the data input by the customer through the preset 'insurance insurance index', the best premature insurance product suitable for the customer is provided. There was a limit that could not be provided.

In addition, several negative problems have recently emerged in relation to the method of operating a mutual aid company, such as damages due to termination of contract and refusal of refund, damages caused by unilateral company closure or loss of contact. Attempting to terminate a contract in accordance with the law, an excessive claim for penalties, a case of refusal or delay in providing services and dues due to lack of reserves, a case in which a service was not provided or the terms of the contract were not fulfilled, For example, the company may have changed its trade name or changed some of its terms against the consumer. This part is largely due to the problem of formalized set products that make joining parts that are not needed.

Accordingly, the present invention has been proposed to solve the above-mentioned general problems, and an object of the present invention is to access a mutual insurance web server by a customer interested in mutual insurance through a predetermined 'insurance insurance index'. By joining the premature insurance, the preliminary insurance can provide the best premature insurance products based on the data entered by the customer, and provide additional services such as advance notice booking service, date information service, and heaven gift service. To provide an additional service providing system and method thereof.

1 is a block diagram of an additional service providing system in mutual insurance according to an embodiment of the present invention.

As shown therein, a mutual insurance web server 100 that provides funeral supplies and funeral services, and performs mutual insurance subscription processing, advance notice reservation service provision management, and notice notification service management; Connected to the payment management service server 140, the mutual insurance web server 100 allows the customer to perform the subscription processing of the mutual insurance by using the customer PC 410, and process the customer to book the advance notice Advance notice booking service server 110; The payment management service server 140 connected with the payment system to determine whether the premium paid by the customer can provide the service subscribed to the customer, and in connection with the pre-payment reservation service when the premium is insufficient, and informs the insurer of the unpaid amount. Wow; When the payment management and payment of the premium is confirmed in the payment management service server 140, the notice notification service server to process the notice notification service to the mobile phone of subscriber acquaintances according to the rank and range designated by the subscriber through the premature insurance web server 120; A date information service server 150 associated with the advance notice reservation service server 110 and informing the date according to the range and order of acquaintances designated by the insurer when the date is determined; It is associated with the advance notice booking service server 110, the heavens gift service server 160 to deliver a message on the anniversary of acquaintances in the name of the insured;

FIG. 2 is a detailed block diagram of a mutual insurance web server in FIG. 1.

As shown in the figure, the mutual insurance web server 100, the order management unit 101 for receiving and managing the order information including the offering from the customer PC (410); A shipment management unit 102 which performs member-based communication delivery processing so as to bring offerings to a desired delivery destination according to the information received from the order management unit 101; An e-mail transmitter 103 for transmitting the order management and shipment management information to the customer's e-mail received by the order management unit 101; A WWW management server 104 for performing WWW management of the premature insurance web server 100 to access the premature insurance web server 100 through an Internet network or a communication network; An order prompting unit 105 for transmitting information for prompting an order to a customer received at the order management unit 101; A user information storage unit 106 for storing user information of the customer received by the order management unit 101; An ordering unit 107 which transmits the order information of the customer received by the order management unit 101 to the shipment management unit 102; And a reduction point providing unit 108 for granting a reduction point according to the amount paid by the customer received by the order management unit 101.

3 is a flowchart illustrating the operation of subscribing to a premature insurance in a method of providing an additional service in premature insurance according to an embodiment of the present invention.

As shown in the figure, after registering for advance insurance, the subscription of advance notice reservation service, payment management service and notice notice service subscription or advance notice reservation service subscription, payment management service, notice notice service, due date alarm service and the provision of heaven gift service A first step (ST1) of processing the user's PC 410 to access the mutual insurance web server 100 and to register as a member when performing the mutual insurance insurance processing in the system; After the first step, the mutual insurance web server 100 inputs a questionnaire that pops up in a pop-up window to a customer who has registered by using a pre-built 'objective insurance index' database, and the mutual insurance suitable for the customer based on the input data. A second step (ST2) of processing to provide goods and perform comparative design of funeral supplies and services; After the second step, the mutual insurance web server (100) includes a third step (ST3) for allowing the customer to determine the payment period and method and to subscribe; A fourth step (ST4) of determining whether to accept the customer's subscription after the third step; A fifth step (ST5) of accessing the payment system (210) after the fourth step so that payment processing for the contents subscribed to by the customer is performed; After the fifth step, the mutual insurance web server 100 may include a sixth step ST6 of delivering the terms and the guide material to the customer's e-mail; And a seventh step (ST7) of performing the termination of the mutual insurance insurance after the sixth step.

4 is a flowchart illustrating an operation of providing an additional service in a method for providing additional service in mutual insurance according to an embodiment of the present invention.

An eleventh step (ST11) of performing processing to provide a preliminary notice reservation service to a member PC by connecting to a mutual insurance web server;

After the eleventh step, the mutual insurance web server inputs a questionnaire that pops up in a pop-up window to a customer who has registered by using a pre-built 'objective insurance index' database to provide a mutual insurance product suitable for the customer based on the input data. A twelfth step (ST12) of processing to perform a comparative design of funeral supplies and services;

After the twelfth step, the mutual insurance web server allows the customer to determine and subscribe to the payment period and method, apply for an obituary notification service, and apply for a date guidance service and a heavenly gift service (ST13);

A fourteenth step (ST14) for determining whether to accept the customer's subscription after the thirteenth step;

After the fourteenth step, the mutual insurance web server is connected to an insurance company server through the obituary notification service server, the date information service server 150 and the heaven gift service server 160 to allow the customer to pay the insurance premium. A fifteenth step (ST15) of receiving the received information;

After the fifteenth step, the mutual insurance web server, the mutual insurance web server, transfers the terms and the guide material to the email of the customer (ST16);

The payment management service server 140 after the sixteenth step receives the premium information paid by the customer and checks whether it corresponds to the premium for the service requested by the customer (ST17);

After the seventeenth step, the mutual insurance web server uses the obituary notification service server 120, the date information service server 150, or the sky gift service server 160 to the rank and range of acquaintances preset by the customer. According to the eighteenth step (ST18) to provide a notice notice service, date information service or heaven gift service to acquaintances.

In step 18, the deceased obtains the deceased's data from the surviving family and sends the request for the information on the funeral, the memorial message, the date information, and the heavenly gift message to the deceased by e-mail or fax. At the same time, the same information is posted on the homepage of the mutual insurance web server, and the information provided on the homepage of the mutual insurance web server by the provider of the memorial message, the date information and the heavenly futures message is directly entered or By the mail, the memorial message, the date information and the heavenly gift message are transmitted to mobile phones or e-mails of acquaintances according to the ranking and range designated by the subscriber, and the memorial message, the date information and the image data attached to the heavenly gift message. Edited and provided, mail messages, date information The kingdom of heaven is characterized by performing, including those provided by combining the present message by editing with integrated album.

5 is a conceptual diagram illustrating an operation of providing a propagation delivery service in the present invention.

As shown in the figure, the method of providing additional services in the mutual insurance includes the hedgehog delivery agency headquarters, the system server management company, and the hedgehog delivery agency participating in the local bureau delivery agency for each region after the eighteenth step. A twenty-first step (ST21) of guiding the home insurance web server; A twenty-second step (ST22) of processing, by the user, who has a need for delivery of the home appliances after the twenty-first step, requesting the home appliances delivery agency to request the home appliances delivery agency head office; After the twenty-second step, the forward delivery agency headquarters notifies the user of the necessary amount of the fee plus the fee, the user pays the required amount to the financial institution server, and the user pays the required amount paid to the financial institution server. A twenty-third step (ST23 to ST25) to notify the electric shock delivery agency headquarters; After the twenty-third step, the hyangjeon delivery agency headquarters requests commissioning of the hyangjeon delivery agency in the local hwangjeon delivery agency participation point, and the hyangjeon delivery agency participation point processes the delivery of the hyangseong to the funeral observer (ST26, ST27); characterized in that it further comprises.

The additional service providing system and method in the mutual insurance according to the present invention, when a customer interested in the mutual insurance through the pre-set 'objective insurance subscription index' accesses the mutual insurance web server and subscribes to the mutual insurance, Based on the input data, it is possible to provide the best mutual insurance product for the customer, and it is effective to provide the notice notice service, the date guidance service, and the heaven gift service according to the ranking and range specified by the customer.

In addition, the present invention data mining in consideration of the age, education, occupation, place of residence, monthly income, family matters, etc. of 50,000 contractors and men and women of insurance companies between 1996 and 2005 in order to provide the best products, such as tailor-made suits for customers desired products Through the analysis, we develop an 'insurance insurance index' that finds out the premiums paid and insurance status and assigns points according to the position occupied in the average. By determining the type of insurance and accordingly, indexing and harmony matching through subscriber analysis, which the customer decides to purchase, can enjoy the convenience of insurance selection and the savings of premiums that prevent unnecessary waste.

Referring to the accompanying drawings, a preferred embodiment of the additional service providing system and method in the mutual insurance according to the present invention configured as described above will be described in detail as follows. In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted if it is determined that the detailed description of the present invention may unnecessarily obscure the subject matter of the present invention. It is to be understood that the following terms are defined in consideration of the functions of the present invention, and may be changed according to the intention of the user, the operator, or the precedent, and the meaning of each term should be interpreted based on the contents will be.

First of all, the present invention, when a customer interested in mutual insurance through the preset 'insurance insurance index' accesses the mutual insurance web server and subscribes to the mutual insurance, the optimal mutual insurance for the customer based on the data input by the customer. It is to provide products and provide additional services such as advance notice reservation service, due date service, and heaven gift service.

Herein, the present invention uses an 'objective insurance index' that recommends an optimal product to a customer who wants to subscribe to mutual insurance. This 'Insurance Insurance Index' is a data mining analysis classified into upper, middle, and lower points considering the age, education, occupation, place of residence, monthly income, and family matters of 50,000 male and female insurance subscribers who have purchased mutual insurance from 1996 to 2005. Through this, the insurance premiums and insurance status per subscriber were found and indexed. Through such 'insurance insurance index', customers who are interested in mutual insurance can access the homepage provided by the mutual insurance web server 100 and enter a questionnaire that pops up in the pop-up window. It is possible to provide an optimal matching system through indexing.

1 is a block diagram of an additional service providing system in mutual insurance according to an embodiment of the present invention.

Thus, the mutual insurance web server 100 provides funeral supplies and funeral services, and manages mutual insurance subscription processing and advance notice reservation service provision, settlement management service, and notice notification service. In addition, when the customer joins the premature insurance, the customer accesses the payment system 210 to process the payment. In addition, when providing the advance notice booking service and payment management service and notice notice service to the customer is connected to the insurance company server 220 to process the storage processing after the payment of the premium. In addition, the mutual insurance web server 100 may be connected to the financial institution server 230, the funeral company PC 300, the customer PC 410, the mobile phone 420 of the subscriber acquaintances through the Internet or communication network.

Advance notice reservation service server 110 is connected to the payment management service server 140 to enable the customer in the mutual insurance web server 100 to perform the subscription processing of the mutual insurance using the customer PC 410, the customer advance Process obituaries for reservation.

The notice notification service server 120 processes the insurance notice to be provided to the mobile phone 420 of the acquaintances of the subscribers through the premise insurance web server 100 when the payment and receipt of insurance premiums through the insurance company server 220 is confirmed.

In addition, the operator PC 130 allows the operator to operate the mutual insurance web server (100).

The payment management server 140 is connected with the payment system to determine the premium paid by the customer to determine whether the service can be provided by the customer, and when the premium is insufficient to be connected with the pre-payment reservation service to notify the insurer of the unpaid amount. Process.

The date guidance service server 150 processes the date to be provided to the mobile phone 420 of the subscriber acquaintances through the premature insurance web server 100 according to the ranking and range of the acquaintance designated by the insurer when the date is determined.

 The heaven gift service server 160 provides a message to the mobile phone 420 of subscribers through the premature insurance web server 100 in the name of the insured in accordance with the insurer's designated acquaintance's rank and range in the name of the insured. Process as much as possible.

In addition, the payment system 210 processes a customer who wants to subscribe to mutual insurance by using the customer PC 410 to perform the payment required to subscribe to the mutual insurance, and processes the result of the mutual insurance through the payment management service server 140. Provided to the web server 100.

In addition, the insurance company server 220, the customer who wants to use the notice notice service, date information service and heaven gift service to pay the premium using the customer PC (410), and puts the information received and the notice service server 120 ), Through the date information service server 150 and the heaven gift service server 160 to provide a mutual insurance web server (100).

The financial institution server 230 is connected to the premature insurance web server 100 through an internet network or a communication network, and shares information such as an inheritor inquiry.

Funeral-related company PC (300) is connected to the mutual insurance web server 100 through the Internet or communication network, such funeral-related companies include acting agency headquarters, acting agency participation point, funeral enforcer and the like.

The customer PC 410 allows the customer to access the premature insurance web server 100 through the Internet network or the communication network and receive the premature insurance subscription and notice notice service.

The mobile phone 420 of subscriber acquaintances, when the customer registers the notice notice service, the date guidance service and the heaven gift service, according to the rank and scope specified by the customer notice of death notice and insured service, date guidance service and You will be offered a gift service to the kingdom.

Through such a system, the present invention allows existing and new customers to access the home page of the mutual insurance web server 100 and subscribe to the product-based products recommended by the company because most of them do not know exactly about the counterfeit goods or services. . If you do, you may be reluctant to purchase insurance due to the premium. In the present invention, 'objective insurance indexing' was calculated through data mining analysis considering the age, gender, monthly income, place of residence, family matters, occupation, etc. of the mutual insurance customers who subscribed from 1996 to 2005. By using 'objective insurance indexing' calculated as above, new customers can match the best mutual insurance in selecting mutual insurance.

In addition, by presenting a formal set model and a freely selectable design type to customers who need funeral supplies and services on the Internet, recommend products suitable to customers, sign up when applying for subscription, and pay in kind instead of insurance in case of an accident. It is possible to provide in-kind mutual benefit insurance paid by

In addition, the present invention is connected to the list of acquaintances entered in the pre-advance reservation service to the main server when the customer who is insured to receive the optimal mutual aid service through the Internet to the main server after the customer confirmation SMS service to the mobile phone of acquaintances I can do it.

Obit notice service, date information service, and heaven gift service service using the Internet means that when a customer who has signed up for the first insurance company dies, the deadline is fixed after the funeral of the deceased customer and after the death of the customer, If you send a congratulatory message on the anniversary, enter the contact list on the advance notice reservation service on the homepage, and enter the details of the insured's notice and the date and the date entered by the customer on the mobile phone of the acquaintance on the date of the customer's death or the date of the acquaintance. It is about sending a message to a mobile phone according to the ranking and range specified by the customer.

 FIG. 2 is a detailed block diagram of a mutual insurance web server in FIG. 1.

So the order management unit 101 in the mutual insurance web server 100 receives and manages the order information including the offering from the customer PC (410).

In addition, the shipment management unit 102 performs a member-based communication delivery process so as to bring the offering to the desired delivery destination according to the information received from the order management unit 101.

The e-mail transmitting unit 103 transmits the order management and shipment management information to the customer's e-mail received by the order management unit 101 through the Internet network or the communication network.

The WWW management server 104 performs WWW management of the premature insurance web server 100 so that the customer can access the premature insurance web server 100 through the Internet network or the communication network by using the customer PC 410. Provide files or data to users.

The order prompting unit 105 transmits information for prompting the order to the customer who has received the order management unit 101.

The user information storage unit 106 stores the user information of the customer received in the order management unit 101.

The ordering unit 107 transmits the order information of the customer received by the order management unit 101 to the shipment management unit 102.

The reduction point providing unit 108 gives a reduction point according to the amount paid by the customer received in the order management unit 101.

3 is a flowchart illustrating the operation of subscribing to a premature insurance in a method of providing an additional service in premature insurance according to an embodiment of the present invention.

Therefore, when the preliminary insurance subscription service and the preliminary insurance reservation service subscription system and the provision of the notice notification service are performed, the first step is to access the premature insurance web server 100 from the customer PC 410 to register. (ST1).

In the second step, the mutual insurance web server 100 inputs a questionnaire that pops up in a pop-up window to a customer who has registered using a pre-established 'objective insurance index' database. To provide for the treatment of comparative design of funeral supplies and services (ST2).

In addition, in the third step, the mutual insurance web server 100 allows the customer to determine the payment period and method and to subscribe (ST3).

In the fourth step, it is determined whether to accept the customer's subscription (ST4).

In addition, in the fifth step, the payment system 210 is accessed to perform the payment processing for the contents subscribed to by the customer (ST5).

In addition, in the sixth step, the mutual insurance web server 100 delivers the terms and the guide material to the customer's email (ST6).

In addition, in the seventh step, the process of ending the subscription of mutual insurance is performed (ST7).

In the event of the death of the policyholder or the insured, the insurance policy pays in kind, goods and services, instead of insurance benefits, and terminates the insurance.

4 is a flowchart illustrating an operation of providing an additional service in a method for providing additional service in mutual insurance according to an embodiment of the present invention.

Therefore, after the preliminary insurance subscription, the advance notice reservation service subscription and payment management service, notice notice service, due date service and sky gift service provision system in the provision process of advance notice reservation service in the eleventh step, the customer PC (410) Process to access the mutual insurance web server 100 to register at (ST11).

In addition, in the twelfth step, the mutual insurance web server 100 inputs a questionnaire that pops up in a pop-up window to a registered customer by using a pre-built 'objective insurance index' database, and the mutual insurance product suitable for the customer based on the input data. Provide to provide processing to perform comparative design of funeral supplies and services (ST12).

In addition, in the thirteenth step, the mutual insurance web server 100 allows the customer to determine and subscribe to the payment period and method, apply for an obituary notification service, and apply for a date guidance service and a heavenly gift service (ST13).

In addition, in step 14, it is determined whether to accept the customer's subscription (ST14).

In addition, in the fifteenth step, the mutual insurance web server 100 accesses the insurance company server 220 through the obituary notification service server 120, the date information service server 150, and the heaven gift service 160. The insurance premium is paid and the information received by the insurance company server 220 is delivered (ST15).

In addition, in step 16, the mutual insurance web server 100 delivers the terms and the guide material to the customer's email (ST16).

In addition, in step 17, the mutual insurance web server 100 receives the premium information paid by the customer using the payment management service server 140 and checks whether the premium for the service requested by the customer is identical (ST17).

In addition, in step 18, the mutual insurance web server 100 uses the obituary notification service server, a date information service server, or a heavens gift service server to notify the acquaintances of the acquaintances according to the ranking and range of acquaintances preset by the customer. It may provide a service of guidance, a date, or a heavenly gift (ST18).

In this case, the eighteenth step obtains the deceased's data from the survivors. Based on this data, a request for the provision of funeral information, a memorial message for the deceased, a date information, and a heavenly gift message is sent by e-mail or fax, and the same content is displayed on the homepage of the mutual insurance web server. Post the notice, enter the memorandum message, the date information and the sky gift message provider directly in the form set on the homepage of the mutual insurance web server 100, or by e-mail memorandum message, date information and the sky Process the gift message to be sent to mobile phones or e-mails of acquaintances according to the ranking and range specified by the subscriber, and edit and provide the memorial message, the date information and the image data attached to the heavenly gift message, All-in-one egg combining message, date information and heavenly gift message It offers to edit.

5 is a conceptual diagram illustrating an operation of providing a propagation delivery service in the present invention.

Thus, the home office of the mutual insurance insurance web server 100 is guided to the home office of the funeral home delivery agency of the funeral home agency which is a system server management company, and the funeral home delivery agency of a funeral home company or an agency which performs home office delivery agency of each region (ST21).

Then, the user who has the need for the delivery agency for the home appliances is processed to request the home appliance delivery agency to the home appliance delivery agency head office (ST22).

In addition, the head office of the forward delivery agency notifies the user of the required amount of the fee added to the forward amount (ST23).

The user then pays the necessary amount to the financial institution server 230 (ST24).

In addition, the user may notify the electric shock delivery agency headquarters of the payment certificate of the required amount paid to the financial institution server 230 (ST25).

In addition, the head office of the Hakjeon Deputy Headquarters will request the Hakseong Dealer's agent to send the funeral delivery agent to the funeral delivery agent's local area (ST26).

The booth delivery agent then handles the delivery of the booth to the funeral operator (ST27).

6 is a diagram illustrating an example of an additional service providing screen in the present invention. Therefore, funeral professional services, entrance / exit supplies, medical supplies, grants, and well-ending services can be selected. It also allows you to choose additional services such as advance notice reservation service, due date service, and heaven gift service.

FIG. 7 is a diagram illustrating an example of an advance notice reservation service providing screen when the advance notice reservation service is selected in FIG. 6. Therefore, the notice contents are displayed and the notice notification is performed according to the information of the notice person.

FIG. 8 is a view illustrating an example of a due date service providing screen when selecting the due date service in FIG. 6. Therefore, it is possible to set the date information, to set the guide target, and to output the date guide history.

FIG. 9 is a diagram illustrating an example of a sky gift service service screen when selecting a heaven gift in FIG. 6. Therefore, the service target can be set, and the service history can be output.

As described above, the present invention provides the optimal mutual insurance for the customer based on the data input by the customer when the customer interested in the mutual insurance is connected to the mutual insurance web server and subscribes to the mutual insurance through the preset 'insurance insurance index'. The product will be provided, and additional services such as advance notice booking service, date information service, and heaven gift service will be provided.

Although the present invention has been described in more detail with reference to the examples, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

1 is a block diagram of an additional service providing system in mutual insurance according to an embodiment of the present invention.

FIG. 2 is a detailed block diagram of a mutual insurance web server in FIG. 1.

3 is a flowchart illustrating the operation of subscribing to a premature insurance in a method of providing an additional service in premature insurance according to an embodiment of the present invention.

4 is a flowchart illustrating an operation of providing an additional service in a method for providing additional service in mutual insurance according to an embodiment of the present invention.

5 is a conceptual diagram illustrating an operation of providing a propagation delivery service in the present invention.

6 is a diagram illustrating an example of an additional service providing screen in the present invention.

FIG. 7 is a diagram illustrating an example of an advance notice reservation service providing screen when the advance notice reservation service is selected in FIG. 6.

FIG. 8 is a view illustrating an example of a due date service providing screen when selecting the due date service in FIG. 6.

FIG. 9 is a diagram illustrating an example of a sky gift service service screen when selecting a heaven gift in FIG. 6.

Explanation of symbols on the main parts of the drawings

100: mutual insurance web server

101: Order Management Department

102: shipment management unit

103: e-mail sending unit

104: WWW Management Server

105: Resume Order

106: user information storage unit

107: ordering part

108: reduction point provider

110: advance notice reservation service server

120: notice service server

130: operator PC

140: payment management service server

150: due date service server

160: heaven gift service server

210: Payment system

220: insurance company server

230: financial institution server

300: Funeral Company

410: customer PC

420: mobile phone of subscriber acquaintance

Claims (5)

A mutual insurance web server that provides funeral supplies and funeral services, and performs mutual insurance subscription processing, advance notice reservation service provision management, payment management service and notice notification service; A pre-payment reservation service server connected to a payment management service server to allow the customer to perform a subscription process of the pre-insurance insurance by using the customer's PC, and to allow the customer to reserve the advance notice; A payment management service server for determining a premium paid by a customer through a payment system to determine whether a customer can provide a service, and informing the insurer of an unpaid amount in connection with a pre-payment reservation service when a premium is insufficient; A notice notification service server for processing a notice notification service to a mobile phone of acquaintances according to the priority and range designated by the insured subscriber through the mutual insurance web server when the payment management and payment of the insurance premium are confirmed by the payment management service server; A date information service server linked with the advance notice reservation service server and informing the date according to the range and order of acquaintances designated by the insurer when the date is determined; A heaven gift service server associated with the advance notice reservation service server and delivering a message on the anniversary of acquaintances in the name of the insured; Additional service providing system in mutual insurance, characterized in that configured to include. The method according to claim 1, The mutual insurance web server, An order management unit that receives and manages order information including offering from the customer PC; A shipment management unit which performs member-based communication delivery processing to bring the offering to the desired delivery destination according to the information received from the order management unit; An e-mail transmitter for transmitting order management and shipment management information to an e-mail of a customer received at the order management unit; A WWW management server that performs WWW management of the mutual insurance web server to access the mutual insurance web server through an Internet network or a communication network; An order prompting unit for transmitting information for prompting an order to a customer received at the order management unit; A user information storage unit for storing user information of the customer received at the order management unit; An ordering unit for transmitting the order information of the customer received in the order management unit to the shipment management unit; A reduction point providing unit for granting reduction points according to the amount paid by the customer received in the order management unit; Additional service providing system in mutual insurance, characterized in that configured to include. If you subscribe to the advance notice reservation service after joining the premise insurance, you will be provided with payment management service and notice notice service, and also advance notice reservation service in the system that provides payment management service, notice notice service, date information service and heaven gift service. An eleventh step of processing, by the client PC, accessing the mutual insurance web server and registering as a member when performing the processing; After the eleventh step, the mutual insurance web server inputs a questionnaire that pops up in a pop-up window to a customer who has registered by using a pre-built 'objective insurance index' database to provide a mutual insurance product suitable for the customer based on the input data. A twelfth step of processing to perform a comparative design of funeral supplies and services; After the twelfth step, the mutual insurance web server allows the customer to determine and subscribe to the payment period and method, apply for an obituary notification service, and apply for a date guidance service and a heavenly gift service; A fourteenth step of determining whether to accept the customer's subscription after the thirteenth step; The fifteenth step, after the fourteenth step, the mutual insurance web server connects to an insurance company server through the payment management server, and receives the information received by the insurance company server by allowing the customer to pay an insurance premium; After the fifteenth step, the mutual insurance web server, the mutual insurance web server, transfers the terms and the guide material to the customer's e-mail; After the sixteenth step, the mutual insurance web server sets an insurance policy on a mobile phone of an acquaintance of a subscriber when an insurance contractor or an insured person dies using a notice notification service server, a date notification service server or a heaven gift service server. A seventeenth step of providing data on the ranking and the range to the email of the customer; An eighteenth step, after the seventeenth step, the payment management server receives the premium information paid by the customer and checks whether the premium corresponds to the premium for the service requested by the customer; After the eighteenth step, the mutual insurance web server may notify the acquaintances of the acquaintances according to the ranking and the range of acquaintances preset by the customer by using the obituary notification service server, a date guide service server, or a heaven gift service server. A nineteenth step of providing a guide service or a heavenly gift service; Additional service providing method in the mutual insurance, characterized in that configured to include. The method according to claim 3, The eighteenth step, Obtain the deceased's data from the survivors, and send the request for the information of the funeral, the memorial message, the date information, and the heavenly gift message to the deceased by e-mail or fax based on the data. Post a notification notice on the homepage of the mutual insurance web server, enter the memorandum message, the date information and the present message by the provider of the heavenly gift message directly in the format set on the homepage of the mutual insurance web server or by e-mail. Process the date information and the heavenly gift message to be sent to mobile phones or e-mails of acquaintances according to the ranking and range designated by the subscriber, and edit and provide the memorial message, the date information and the image data attached to the heavenly gift message, Mail messages, date information and heavenly gifts Additional service delivery in premature care, characterized in that to perform, including providing by editing the album integrally combines the message. The method according to claim 3 or 4, The additional service providing method in the mutual insurance, A twenty-first step of guiding the forwarding agency of the system server management company and the forwarding agency of the funeral company or agency performing the forwarding agency of each region on the homepage of the mutual insurance web server after the eighteenth step; A twenty-second step of processing, by the user, who is in need of the delivery agency of the hometown after the twenty-first step, requesting the home-delivery agency to request the home-delivery agency; After the twenty-second step, the forward delivery agency headquarters notifies the user of the required amount of the forwarded amount plus the fee, the user pays the required amount to the financial institution server, and the user pays the required amount paid to the financial institution server. Twenty-third step of notifying the forwarding agency on behalf of the certificate; A twenty-fourth step, after the twenty-third step, the hyangjeon delivery agency headquarters requests commissioning of the hwangyang delivery agency to the hyangjeon delivery agency participation point of the funeral enforcer; The additional service providing method in the mutual insurance, characterized in that further comprising.

Images