KR20130094673A - Method and system for subscribing one-day car insurance - Google Patents
Method and system for subscribing one-day car insurance Download PDFInfo
- Publication number
- KR20130094673A KR20130094673A KR1020120055618A KR20120055618A KR20130094673A KR 20130094673 A KR20130094673 A KR 20130094673A KR 1020120055618 A KR1020120055618 A KR 1020120055618A KR 20120055618 A KR20120055618 A KR 20120055618A KR 20130094673 A KR20130094673 A KR 20130094673A
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- South Korea
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- vehicle
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- insurance
- car
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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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- 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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/02—Services making use of location information
Abstract
The present invention relates to a car insurance method and a system thereof. According to an embodiment of the present invention, in a car insurance subscription system, a car insurance subscription method for allowing a user to subscribe to a car insurance product that can be guaranteed by a driver who rents and owns a car owned by another, Performing an authentication procedure for the service; Receiving vehicle identification information; Determining whether the vehicle is owned by the user by acquiring information about the vehicle corresponding to the vehicle identification information; And if the user is not the owner of the car, processing the subscription of the user to the car insurance product.
Description
The present invention relates to a method and system for auto insurance, and more particularly, to a car insurance subscription method and system for allowing a user to subscribe to a one-day car insurance that can be guaranteed by a driver who rents a car owned by another company. It is about.
An object of the present invention is to provide a car insurance product that can be guaranteed for a short period of time for a driver who rents a car owned by another own, and also to easily join a car insurance product.
An object of the present invention is to provide a car insurance product that can be guaranteed for a short time to the user who rents a car owned by another.
In addition, an object of the present invention to be able to easily subscribe to a car insurance product.
The present invention relates to a car insurance method and a system thereof.
According to an embodiment of the present invention, in a car insurance subscription system, a car insurance subscription method for allowing a user to subscribe to a car insurance product that can be guaranteed by a driver who rents and owns a car owned by another, Performing an authentication procedure for the service; Receiving vehicle identification information; Determining whether the vehicle is owned by the user by acquiring information about the vehicle corresponding to the vehicle identification information; And if the user is not the owner of the car, processing the subscription of the user to the car insurance product.
In addition, according to another embodiment of the present invention, in a car insurance subscription system that allows a user to join a car insurance product that can be guaranteed by a driver who rents a car owned by another owner, the authentication process for the user A driver identification unit configured to perform; A vehicle identification unit configured to receive vehicle identification information and obtain information about a vehicle corresponding to the vehicle identification information to determine whether the vehicle is owned by the user; And a subscription processing unit configured to process the subscription of the user to the car insurance product if the user is not the owner of the vehicle.
The present invention as described above, it is possible to provide a car insurance product that can be guaranteed for a short time to the user to rent a car owned by another.
In addition, the present invention allows a user to easily subscribe to a car insurance product.
1 is a configuration diagram schematically showing the configuration of a car insurance subscription system according to an embodiment of the present invention.
Figure 2 is a schematic diagram showing the configuration of the insurance brokerage mediation server according to an embodiment of the present invention.
3 is a flowchart illustrating a method of subscribing to automobile insurance in accordance with an embodiment of the present invention.
4 is an exemplary view showing an example of a screen of a user terminal according to the method of car insurance subscription according to an embodiment of the present invention.
Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims.
Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.
Like reference numerals refer to like elements throughout.
Hereinafter, "car" refers to a machine that runs on a road or the like and carries a person or cargo or performs various tasks, and includes all kinds of cars to which insurance products such as trucks and motorcycles, as well as passenger cars, are generally applied. Include.
In addition, hereinafter, "one-day car insurance" includes a car insurance product that can be guaranteed for a short time by a driver who rents a car owned by another. Here, "short term" means a predetermined time, and may be several hours, one day, or several days.
Hereinafter, an auto insurance subscription system and a car insurance subscription method for allowing a driver who rents a car owned by another company to sign up for one-day auto insurance will be described.
1 is a configuration diagram schematically showing the configuration of a car insurance subscription system according to an embodiment of the present invention.
The automobile insurance subscription system includes a
Each component constituting the auto insurance subscription system may communicate through a network, which may be a local area network (LAN), a wide area network (WAN), or a value added network (VAN). It can be implemented in any kind of wireless network, such as a wired network, such as a mobile communication network (mobile) or a satellite communication network.
The
The insurance
The insurance
On the other hand, the insurance
Figure 2 is a schematic diagram showing the configuration of the insurance brokerage mediation server according to an embodiment of the present invention.
The
The
The
The method of authenticating the user includes, for example, a method of authenticating using user identification information uniquely assigned to an individual such as a car driver's license number and a resident registration number of the user, and is not limited to the above-described authentication method. If there is a way to authenticate, it is enough. The insurance
In addition, the
The
For example, the
In addition, the
The vehicle verification information includes image information photographing a state of a vehicle, photographing information including general information related to the photographing (for example, information regarding the photographing time, etc.), location information of the vehicle, and the like. The location information of the vehicle is obtained based on the location information of a location tracking device (for example, a location tracking device using GPS) attached to the vehicle or a user terminal used when photographing the vehicle. Position coordinates may be set as the position information. The vehicle verification information may be used when determining whether the vehicle is a stolen vehicle or a vehicle that has not been damaged before the insurance, or when calculating the driving distance of the vehicle objectively. In addition, the vehicle verification information may be encoded such that the user cannot operate it.
As a predetermined criterion, the vehicle may not be a stolen vehicle, may not be damaged, or may not have traveled more than a few miles, and the predetermined criterion may be set differently for each insurance product.
In addition, the
In addition, the
The
In addition, the
Here, the description information is information for indicating a content for delivering specific information to the user. The specific information may vary depending on a situation, and the description information may be implemented by text, voice, still image, and video. For example, the descriptive information may be information including a description of the necessity of insurance, information including a description of important matters regarding insurance, or an enrollment procedure after the enrollment procedure is completed. This may indicate that is completed.
On the other hand, the
In addition, the
The
On the other hand, according to another embodiment of the present invention, some or all of the above-described
3 is a flowchart illustrating a car insurance subscription method according to an embodiment of the present invention in stages.
The automobile insurance subscription method according to the embodiment shown in FIG. 3 includes steps processed in time series by the
3 is described with reference to FIG. 4, and FIG. 4 is an exemplary view showing an example of a screen of the
It is assumed that the auto insurance product described in the auto insurance subscription method described below is one-day auto insurance. Of course, the insurance product that a user can join in the automobile insurance subscription method is not limited to the insurance product described above.
First, when a user (that is, a driver) who wants to subscribe to an insurance product provides user information while accessing an insurance brokerage server through a user terminal, the insurance brokerage server authenticates the user (S310), and the authentication is valid. In this case, a user account corresponding to the user may be generated or a user account previously generated may be matched with the user terminal.
Meanwhile, the insurance product list including one-day auto insurance can be transmitted to the user terminal prior to authenticating the user, and the explanatory information or insurance enrollment procedure explaining the necessity of joining the insurance product prior to authenticating the user. Descriptive information of the contents guiding the information can be transmitted to the user terminal and provided to the user.
After authenticating the user, the vehicle requesting the vehicle identification information of the car to be driven by the user via the user terminal to receive the vehicle identification information through the user terminal (S320).
On the other hand, by providing the user terminal with a list of insurance conditions that allow the user to set the conditions for the insurance product you want to subscribe to the user to set the desired conditions, and the above description information for explaining matters related to the selected insurance product It may be provided to the user terminal (S330). However, step S330 is optional and may or may not be performed according to the type of insurance product or the type of user terminal.
On the other hand, the vehicle verification information for verifying whether or not the vehicle is safe is received (S340).
As shown in FIG. 4, the user generates vehicle verification information including the photographing time and the photographing position together with the image photographing the state of the vehicle through the
The order of the above-described steps of S310 to S340 may be changed.
Meanwhile, the
For example, on the basis of the vehicle verification information, when the car that the user intends to insure is determined to be a severely damaged vehicle, or when it is determined that the user cannot drive based on the user information, or the vehicle identification information. If it is confirmed that the vehicle is stolen, the user may be disapproved for insurance.
If the user's insurance subscription is approved, the insurance product subscription is completed by transmitting payment information allowing payment of the unit price of the insurance product to the user's user terminal or by adding it to the user's user account (S360).
According to the above-described auto insurance subscription system and auto insurance subscription method, it is possible to easily handle the user's subscription to the insurance product with a short insurance period.
The following describes an embodiment in which the user A subscribes to the one-day auto insurance in the case where the user A intends to drive the automobile C of the user B in the method and system for automobile insurance of the present invention. For convenience, it is assumed that the insurance brokerage server provides an application for insurance of user A, and the application is installed in a user terminal that can be controlled by the user A.
User A can be provided with the explanatory information on the need for insurance or insurance products available through the application, and can also apply for subscription to One-day auto insurance through the application. In addition, the user A may authenticate the user by inputting user information through the application. In addition, the user A may input vehicle identification information of the vehicle C through the application. The application may generate and transmit vehicle verification information including a photographed image of the vehicle C, location information of the vehicle C, a time at which the image is captured, and the like. In this case, the application may provide explanatory information describing which side of the vehicle is to be photographed.
If the insurance brokerage server receives the user information and the vehicle identification information of the user A through the application, whether the user A is eligible for the one-day auto insurance on the basis of the received information; Whether or not the vehicle can be verified. In addition, the insurance brokerage server receives vehicle verification information from the user A through the application, and if it is verified that the car C is not a damaged vehicle or a stolen vehicle based on the vehicle verification information, the one-day car insurance selected by the user A You can complete your subscription to.
On the other hand, the insurance brokerage server can provide a list of insurance conditions indicating the user A can select when joining the one-day car insurance, and receive the user's settings. In addition, it may also provide explanatory information for explaining important matters when joining the one-day auto insurance, and may also provide an interface for reconfirming user A's intention to join the one-day auto insurance.
The insurance brokerage server may complete the subscription of the one-day auto insurance after the user A has prepaid or post-pays the cost for the one-day auto insurance when necessary.
When the subscription is completed according to the above-described procedure, the insurance brokerage mediation server may transmit the explanatory information to the user terminal of the user A to guide the completion of the one-day auto insurance.
Those skilled in the art may appreciate that various example logic blocks and algorithm steps described in connection with the embodiments disclosed herein may be implemented in electronic hardware, computer software, or a combination thereof. To clearly illustrate this possibility of replacing hardware and software, various illustrative steps have been described above primarily in terms of their functionality. Whether such functionality is implemented in hardware or software depends upon the particular application and design constraints imposed on the overall system.
Skilled artisans may implement the described functionality in varying ways for each particular application, but should not interpret it as causing a decision of such implementation to fall outside the scope of the present invention.
The foregoing examples are only illustrative of the present invention in detail, and the present invention is not limited to these examples. Additions, omissions, substitutions, and other modifications can be made without departing from the spirit of the present invention. The present invention is not limited by the foregoing description, but is limited only by the scope of the appended claims.
10: User terminal
20: insurance product providing server
200: insurance brokerage server
210: driver identification unit 220: vehicle identification unit
230: subscription processing unit 240: control unit
250: Database
Claims (12)
Performing an authentication procedure for the user;
Receiving vehicle identification information;
Determining whether the vehicle is owned by the user by acquiring information about the vehicle corresponding to the vehicle identification information; And
And if the user is not the owner of the car, processing the subscription of the user to the car insurance product.
Receiving vehicle verification information; And
Checking the vehicle state of the vehicle based on the vehicle verification information and determining whether the inspection satisfies a predetermined criterion;
Processing the subscription of the user,
And if the user is not the owner of the car and determines that the vehicle state of the car satisfies a predetermined criterion, processing the car insurance subscription of the user.
The vehicle verification information includes at least one of image information photographing the state of the vehicle, photographing information including general information related to the photographing, and location information of the vehicle.
The vehicle identification information may include at least one of a registration number of the vehicle and owner identification information of the vehicle.
Providing a list of insurance conditions for differently setting a security item for the automobile insurance product; And
And receiving a setting of a condition included in the insurance condition list.
The car insurance product is a product that the driver can be guaranteed for a short time, car insurance subscription method.
A driver identification unit configured to perform an authentication procedure for the user;
A vehicle identification unit configured to receive vehicle identification information and obtain information about a vehicle corresponding to the vehicle identification information to determine whether the vehicle is owned by the user; And
And a subscription processing unit configured to process the subscription of the user to the car insurance product if the user is not the owner of the car.
The subscription processing unit additionally receives vehicle verification information, checks the vehicle status of the vehicle based on the vehicle verification information, and determines whether a predetermined criterion is satisfied, and the user is not the owner of the vehicle. And if it is determined that the vehicle state of the vehicle satisfies a predetermined criterion, the user is arranged to process the automobile insurance subscription.
The vehicle verification information includes at least one of image information photographing the state of the vehicle, photographing information including general information related to the photographing, and location information of the vehicle.
The vehicle identification information may include at least one of a registration number of the vehicle and owner identification information of the vehicle.
And the subscription processing unit is further configured to provide a list of insurance conditions for differently setting the security items for the auto insurance product, and to receive the setting of the conditions included in the insurance condition list.
The car insurance product is a product that the driver can be guaranteed for a short time, the car insurance subscription system.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020120015707 | 2012-02-16 | ||
KR20120015707 | 2012-02-16 |
Publications (1)
Publication Number | Publication Date |
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KR20130094673A true KR20130094673A (en) | 2013-08-26 |
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Application Number | Title | Priority Date | Filing Date |
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KR1020120055618A KR20130094673A (en) | 2012-02-16 | 2012-05-24 | Method and system for subscribing one-day car insurance |
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Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20180105133A (en) | 2016-01-07 | 2018-09-27 | 핑안 테크놀로지 (션젼) 컴퍼니 리미티드 | Systems, devices, methods and readable storage media for presenting auto insurance exploration missions |
CN110472983A (en) * | 2019-08-02 | 2019-11-19 | 慧翰微电子股份有限公司 | A kind of driver's insurance identification checkup System and method for |
-
2012
- 2012-05-24 KR KR1020120055618A patent/KR20130094673A/en not_active Application Discontinuation
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20180105133A (en) | 2016-01-07 | 2018-09-27 | 핑안 테크놀로지 (션젼) 컴퍼니 리미티드 | Systems, devices, methods and readable storage media for presenting auto insurance exploration missions |
CN110472983A (en) * | 2019-08-02 | 2019-11-19 | 慧翰微电子股份有限公司 | A kind of driver's insurance identification checkup System and method for |
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