KR20140068404A - Method for automatic payment service of insurance - Google Patents

Method for automatic payment service of insurance Download PDF

Info

Publication number
KR20140068404A
KR20140068404A KR1020120135826A KR20120135826A KR20140068404A KR 20140068404 A KR20140068404 A KR 20140068404A KR 1020120135826 A KR1020120135826 A KR 1020120135826A KR 20120135826 A KR20120135826 A KR 20120135826A KR 20140068404 A KR20140068404 A KR 20140068404A
Authority
KR
South Korea
Prior art keywords
insurance
company server
customer
payment
server
Prior art date
Application number
KR1020120135826A
Other languages
Korean (ko)
Inventor
권순범
Original Assignee
중소기업은행
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 중소기업은행 filed Critical 중소기업은행
Priority to KR1020120135826A priority Critical patent/KR20140068404A/en
Publication of KR20140068404A publication Critical patent/KR20140068404A/en

Links

Images

Classifications

    • 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
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Data Mining & Analysis (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Operations Research (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Provide automatic insurance payment service method that automatically subscribes the agreed insurance money without application procedure by separate certification document to the customer who subscribed to insurance product and applied for automatic insurance payment service. (A) When a customer joins an insurance product through a sales company and applies for an automatic insurance payment service, the method of automatic payment of an insurance money according to an embodiment of the present invention includes: To the card company server and the insurance company server, customer information including payment card information for the card company server and the insurance company server; (b) when the customer pays the medical fee using the payment card at an arbitrary medical institution to which the insurance product is applied, the credit card company server transmits the medical bill payment information to the insurance company server; And (c) the insurance company server transmits the agreed insurance money according to the insurance product to the customer account.

Description

[0001] METHOD FOR AUTOMATIC PAYMENT SERVICE OF INSURANCE [0002]

The present invention relates to a service method for automatically paying a contracted insurance money without a separate insurance application procedure to a customer who has purchased a specific insurance.

As of 2012, the number of domestic subscribers is more than 26 million, which is a policy that compensates for some of the medical expenses actually incurred by medical institutions such as hospitals and pharmacies.

However, if the customer wishes to receive the insurance payment for the medical expenses paid by the client, the medical institution will be obliged to fill out the prepared form after receiving the supporting documents, and the inconvenience of the application procedure will cause a great inconvenience. In the case of a small number, it is possible to receive the insurance money according to the insurance contract, but it is often not received.

Therefore, there is a need for a service plan that can increase the customer satisfaction by minimizing the insurance application process for the customer's medical expenses.

The present invention aims to provide an automatic insurance payment service method of automatically subscribing a contracted insurance premium to a customer who subscribes to an insurance product and applies for an automatic insurance payment service without any application procedure by a separate proof document or the like.

According to an embodiment of the present invention, there is provided a method of automatically providing an insurance money payment service, comprising the steps of: (a) when a customer subscribes to an insurance product through a sales company and applies for an insurance money automatic payment service, Transmitting customer information including product information and payment card information for automatic payment of insurance money to a card company server and an insurance company server; (b) when the customer pays the medical fee using the payment card at an arbitrary medical institution to which the insurance product is applied, the credit card company server transmits the medical bill payment information to the insurance company server; And (c) the insurance company server transmits the agreed insurance money according to the insurance product to the customer account.

After the step (c), (d) the insurer server transmits the insured transfer remittance to the customer account to the seller server; And (e) the seller server notifies the customer of the remittance details of the insurance money.

According to another aspect of the present invention, there is provided a method of automatically providing an insurance payment service, comprising the steps of: (a) when a customer joins an insurance product through a sales company and applies for an insurance payment automatic payment service, To the card company server and the insurance company server, customer information including payment card information for the card company server and the insurance company server; (b) when the customer pays the medical bill using the payment card at an arbitrary medical institution to which the insurance product is applied, the card company server transmits medical billing information to the seller server and the insurance company server; (c) the seller server requests the insurance company server to pay the agreed insurance money based on the insurance product; And (d) the insurance server sends the agreed insurance money according to the insurance product to the customer account.

According to the present invention, when a customer who subscribes to an insurance product makes payment using a specific registered card, the insurance money can be automatically paid without having to go through a troublesome procedure for applying for a separate insurance money, thereby maximizing the convenience of the customer , And sales companies can significantly increase the sales volume of insurance products.

In addition, it is possible for the customer to receive insurance money that is easy to miss due to ignorance, indifference, or procedural hassle, thereby realizing greater customer satisfaction.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a view showing an automatic insurance payment service system according to an embodiment of the present invention; FIG.
FIG. 2 is a flowchart for explaining an automatic insurance payment service method using the system of FIG. 1;

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram illustrating a configuration of an automatic insurance payment system according to an exemplary embodiment of the present invention. FIG. 2 is a flowchart illustrating an automatic insurance payment service method using the system of FIG.

1 and 2, an automatic insurance payment service method according to an embodiment of the present invention includes an automatic insurance payment system including a seller server 10, a credit card company server 11 and an insurance company server 12 .

Specifically, when the customer first subscribes to the insurance product through the sales company and applies for the insurance payment automatic payment service, the sales company server 10 obtains the insurance product information of the customer, the payment card for automatic payment of the insurance money, (S201, S203), and transfers the information to the card issuer server 11 and the insurance company server 12 (S205).

In this case, the seller may be a bank that introduces and sells the insurer's insurance product to the customer, and a contract for the sharing of customer information may be concluded between the seller, the credit card company and the insurer in order to provide the automatic payment service of the insurance money . The payment card provided to the customer when applying for the service may be a credit card or a check card issued by the card issuer in accordance with these arrangements.

Then, when the customer pays the medical expenses using the payment card registered in the arbitrary medical institution to which the insurance product is applied, the card company server 11 receives the medical payment information from the medical institution (S207) (S209).

Here, when settlement is made by the card issued for the service of the present invention, the card company server 11 first confirms whether the business entity is a medical institution to which the insurance product is applied, and if it is a medical institution, (Or program) for transmitting the payment details may be implemented.

Subsequently, the insurance company server 12 which received the medical bill payment information from the card issuer server 11 calculates the agreed insurance money according to the insurance product to which the customer subscribes (S211), and transfers the calculated insurance money to the registered customer account (S213).

In addition, the automatic insurance payment service method according to an embodiment of the present invention may include a step (S215) in which the insurance company server 12 transmits the insurance payment remittance to the customer account to the seller server 10 after step S213 and The selling company server 10 may further include a step S217 of informing the customer of the remittance details of the insurance money.

In the case of step S217, a text message (SMS, MMS, etc.) may be transmitted to a customer's terminal (e.g., a mobile phone), or a happy call may be provided.

As another embodiment of the present invention, when the card issuer server 11 receives the medical payment information (S207), it transmits the payment information to the seller server 10 and the insurance company server 12, And transmits it to the insurance company server 12 to request payment of the insurance money. In this case, the insurance company server 12 can confirm that the insurance money has been correctly calculated and send the insurance money to the customer account.

Meanwhile, the insurance payment automatic payment service method according to the present invention can be stored in a computer-readable recording medium manufactured in the form of a computer program. Such a recording medium includes all kinds of recording media in which programs and data are stored so that they can be read by a computer-implemented system. Examples of the storage medium include ROM (Read Only Memory), RAM (Random Access Memory), CD (Compact Disk), DVD (Digital Video Disk), Flash memory, magnetic tape, floppy disk, And may be implemented in the form of a carrier wave (for example, transmission over the Internet). Such a recording medium may also be distributed over a networked computer system so that computer readable code in a distributed manner may be stored and executed.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit and scope of the invention.

Claims (3)

A method of automatic payment service of an insurance money by an insurance payment system including a seller server, a credit card company server and an insurance company server,
(a) When a customer joins an insurance product through a sales company and applies for an insurance payment automatic payment service, the merchant server sends customer information including insurance product information registered by the customer and payment card information for automatic payment of insurance money, To the insurance company server;
(b) when the customer pays the medical fee using the payment card at an arbitrary medical institution to which the insurance product is applied, the credit card company server transmits the medical bill payment information to the insurance company server; And
(c) the insurance company server transmits the agreed insurance money according to the insurance product to the customer account
The method of automatic payment service.
The method according to claim 1, wherein, after the step (c)
(d) transmitting, by the insurance company server, an insurance money remittance to a customer account to the seller server; And
(e) the seller server notifies the customer of the remittance details of the insurance money
The method comprising the steps of:
A method of automatic payment service of an insurance money by an insurance payment system including a seller server, a credit card company server and an insurance company server,
(a) When a customer joins an insurance product through a sales company and applies for an insurance payment automatic payment service, the merchant server sends customer information including insurance product information registered by the customer and payment card information for automatic payment of insurance money, To the insurance company server;
(b) when the customer pays the medical bill using the payment card at an arbitrary medical institution to which the insurance product is applied, the card company server transmits medical billing information to the seller server and the insurance company server;
(c) the seller server requests the insurance company server to pay the agreed insurance money based on the insurance product; And
(d) the insurance company server sends the agreed insurance money according to the insurance product to the customer account
The method of automatic payment service.
KR1020120135826A 2012-11-28 2012-11-28 Method for automatic payment service of insurance KR20140068404A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020120135826A KR20140068404A (en) 2012-11-28 2012-11-28 Method for automatic payment service of insurance

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020120135826A KR20140068404A (en) 2012-11-28 2012-11-28 Method for automatic payment service of insurance

Publications (1)

Publication Number Publication Date
KR20140068404A true KR20140068404A (en) 2014-06-09

Family

ID=51124147

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020120135826A KR20140068404A (en) 2012-11-28 2012-11-28 Method for automatic payment service of insurance

Country Status (1)

Country Link
KR (1) KR20140068404A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017119707A1 (en) * 2016-01-05 2017-07-13 정세영 Method for supporting medical expenses, and medical expense providing system

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017119707A1 (en) * 2016-01-05 2017-07-13 정세영 Method for supporting medical expenses, and medical expense providing system

Similar Documents

Publication Publication Date Title
US7729930B1 (en) Systems and methods for insurance coverage
US8725637B2 (en) Methods and systems for generating invoices
US20080027844A1 (en) System and Method for Organising and Operating an Electronic Account
US20110196797A1 (en) Wireless payment and barter platform
CN101454795A (en) Mobile person-to-person payment system
US20110093387A1 (en) System and method for non-credit card billers to accept credit card payments
JP2023120145A (en) Information processing apparatus, information processing method, and information processing program
US20120173330A1 (en) Personalized Financial Planning Based on Transactional History
JP7330412B1 (en) Information processing device, information processing method and information processing program
JP6883054B2 (en) Information processing equipment, information processing methods and information processing programs
KR20140068404A (en) Method for automatic payment service of insurance
JP2024052545A (en) Information processing device, information processing method, and information processing program
JP2023118032A (en) Information processing program
JP2023117871A (en) Information processing device, information processing method, and information processing program
JP2013238900A (en) Settlement system
KR20220037714A (en) Simple payment service Apparatus and simple payment method using the same
KR20160064629A (en) Method for determining fee for affiliate
JP7421592B2 (en) Information processing device, information processing method, and information processing program
US20240046362A1 (en) System and method for configuring an insurance policy with digital assets
JP2008129715A (en) Refund server, system and method
US20130103477A1 (en) Transaction Management System and Method
KR20170066724A (en) Method for generating additional tax return evidence data of receipt
JP2023117767A (en) Information processing device, information processing method, and information processing program
KR20140088293A (en) Method for managing points accumaulating account
US20130332206A1 (en) Out-of-Pocket Insurance

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
AMND Amendment
E601 Decision to refuse application
AMND Amendment