KR20150009859A - System and method for calculating insurance using saving credit card point - Google Patents
System and method for calculating insurance using saving credit card point Download PDFInfo
- Publication number
- KR20150009859A KR20150009859A KR1020130084324A KR20130084324A KR20150009859A KR 20150009859 A KR20150009859 A KR 20150009859A KR 1020130084324 A KR1020130084324 A KR 1020130084324A KR 20130084324 A KR20130084324 A KR 20130084324A KR 20150009859 A KR20150009859 A KR 20150009859A
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- KR
- South Korea
- Prior art keywords
- insurance
- credit card
- premium
- company server
- monthly
- Prior art date
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- 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
Abstract
Description
BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a premium payment system and method, and more particularly, to a premium payment system and method using credit card point accumulation.
In the past, credit card company's own points accumulated according to the use of credit card are used to provide benefits to consumers in various ways.
Points can be converted into a certain amount of money to buy things. In the case of purchasing a relatively large amount of goods, there is a method in which a point is not generated, but a payment is made by paying a line point in anticipation of a card use.
In this case, since the credit point of the credit card company pre-empts the line point, that is, the commodity purchase price, the customer requires more points than the actual purchase price by a predetermined interest rate. For example, if you purchase a merchandise worth W650,000, you will need to redeem a point equivalent to W680,000 within a certain period of time to your credit card company.
Consumers have the advantage of not having to spend large amounts of cash right away, but because they have to pay the equivalent interest, they can not always be said to be advantageous.
On the other hand, credit card companies are applying this line point system to car insurance in conjunction with insurance companies. We pay automobile premiums once a year in advance as a pre-payment point, and charge users higher points every month. This is no different from the traditional interest-paying line-point payment method.
In the case of a credit card issued by a consumer, the use of the credit card is usually scheduled. Therefore, there is no problem in earning a certain amount of points, which is advantageous to consumers.
On the other hand, from the viewpoint of an insurance company, there is a burden of paying a card merchant fee to a credit card company. In other words, if the credit points of the credit card company are paid by using the existing point system, the insurance company can receive the payment in advance, but it will incur a burden to pay the card merchant fee.
Conventionally, the line point method is used only for insurance for insurance products, and the line point method is used for only a part of insurance premiums.
In this way, existing credit cards are very limited in terms of insurance products, and their use is very low due to the burden of interest in the line point.
On the other hand, in the case of cancer patients, the possibility of newly entering cancer insurance is very limited. In recent years, even when there is a history of cancer, insurance that permits a limited number of subscriptions is being released, but the condition of the subscription is difficult and it is not easy to receive substantial benefits.
In the event that the insured's health status or other reasons do not limit or benefit from the insured, it is also necessary to provide a wider opportunity for insured insured persons and to create a more comprehensive profit model that will generate profits from the insurer's position have.
Therefore, in order to enable beneficiaries and insured persons to benefit and generate profits, there is a problem of linking with credit card companies' points.
It is an object of the present invention to provide a premium settlement system using credit card point accumulation.
Another object of the present invention is to provide a premium payment method using credit card point accumulation.
The insurance premium settlement system using the credit card point accumulation according to the object of the present invention may include a smartphone for selecting a predetermined credit card and a predetermined insurance associated with the credit card through a smartphone application installed in advance and requesting the subscription; The amount of the point corresponding to the monthly premium of the insurance is paid in advance among the points accumulated each month according to the predetermined accumulation ratio in accordance with the use of the credit card A credit card company server paying a fixed premium payment date; And the credit card company server receives the amount of the point corresponding to the monthly insurance premium of the insurance from the credit card company server, and the payment is completed with the monthly insurance premium of the insurance Lt; RTI ID = 0.0 > server. ≪ / RTI >
Here, the credit card company server may request the user for an amount corresponding to the difference between the point and the monthly payment premium when the point is smaller than the monthly payment premium, To the insurance company server.
Here, the credit card company server may include at least one other credit card configured to accumulate points of the same kind as the points and to accumulate points accumulated in the credit card company server, And may further be configured to include a card issuer server.
And the credit card company server approves the subscription of the corporation card and the subscription of the group liability insurance for the member of the corporation in connection with the insurance company server, The amount of the point corresponding to the monthly insurance premium of the insurance can be configured to be paid to the prescribed premium payment date.
At this time, it is preferable that the credit card company server is configured to approve the subscription of the group liability insurance including the cancer insurance, the dental insurance, the eye insurance, the diabetes insurance, and the fire insurance in connection with the insurance company server.
A method for charging premiums using credit card points according to the object of the present invention comprises the steps of: a smart phone selecting a predetermined credit card and a predetermined insurance associated with the credit card and subscribing for the insurance; Authorizing the credit card company server to subscribe to the credit card for which the subscription is made and approving the subscription in connection with the insurance company server of the insurance company for the insurance; The credit card company server accumulating a point based on a predetermined credit ratio in accordance with a usage amount of the credit card; Paying the amount of the point corresponding to the insurance monthly payment insurance premium among the points to which the credit card company server accumulates the insurance premium to a prescribed premium payment date; And the insurance company server receives the amount of the point corresponding to the monthly insurance premium of the insurance from the credit card company server and completes the payment with the monthly insurance premium of the insurance.
Here, the step of paying the amount of the points corresponding to the monthly insurance premiums of the points among the accumulated points by the credit card company server to the prescribed premium payment date may include the step of, when the accumulated points are less than the monthly payment premium, To the user, an amount corresponding to the difference between the point and the monthly insurance premium, and to pay the amount corresponding to the point and the amount deposited by the request to the insurance company server.
And the step of paying the amount of the point corresponding to the insurance monthly payment premium to the predetermined insurance premium payment date among the points to which the credit card company server is added includes the steps of: The amount of money may be added to the amount of the points to be paid as monthly insurance premiums of the insurance.
In the meantime, the credit card company server approves the subscription to the credit card requested for subscription, and approving the subscription in connection with the insurance company server of the insurance company with respect to the insurance is performed by registering the corporation card, And may be configured to approve the subscription of group liability insurance in connection with the insurance company server.
At this time, the credit card company server approves the enrollment of the credit card to which the enrollment application is made, and approving the enrollment in connection with the insurance company server of the insurance company with respect to the insurance includes the insurance of cancer, dental insurance, , And to approve the subscription of the collective indemnity insurance including the fire insurance in conjunction with the insurance company server.
According to the insurance premium settlement system and method using the above-mentioned credit card point accumulation, it is possible to subscribe to the insurance selected by the user along with the issuance of the credit card, and to pay the insurance premium paid monthly using points accumulated by the credit card used every month It is possible to pay a premium without incurring interest due to the payment of points.
In addition, unlike existing line-point purchasing methods, the system operates on a monthly basis by points. Therefore, insurance companies do not need to pay card merchant fees, and as a customer, card merchant fees There is an effect of reducing the burden of.
And, as for the insurer, there is an effect that the problem of maintenance of the insurance such as delinquency of the premium or the contract of the insurance contract is reduced while the customer uses the credit card.
Since the settlement structure does not occur between the insurer and the customer and the settlement structure between the credit card company and the insurer occurs, the cost of collecting or maintaining the premium is reduced from the point of view of the insurer. In addition, since the money is collected from the credit card company, the automatic money transfer fee does not occur, resulting in various cost saving effects. In addition, there is an effect of reducing the burden on insurance premiums paid by customers.
Since the insurance can be maintained only by using a credit card from the customer's point of view, the burden on the insurance payment fee is reduced and the effect of the insurance can be lessened.
On the other hand, it is possible to reduce the burden on the point accumulation by adding the credit card points of several credit card companies to one insurance so that insurance can be paid.
On the other hand, in the case of a corporate card, members of a corporation or an employee are entrusted with group insurance, and the points accumulated according to the use of the corporate card are paid in a group insurance premium, There is an effect that can receive benefits. For example, cancer patients can be covered by cancer group insurance.
1 is a block diagram of a premium settlement system using credit card point charging according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a method of calculating premiums using credit card point accumulation according to an embodiment of the present invention.
BRIEF DESCRIPTION OF THE DRAWINGS The present invention is capable of various modifications and various embodiments, and specific embodiments are illustrated in the drawings and described in detail in the detailed description. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals are used for like elements in describing each drawing.
The terms first, second, A, B, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.
It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.
The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.
Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.
Hereinafter, preferred embodiments according to the present invention will be described with reference to the accompanying drawings.
1 is a block diagram of a premium payment system using a credit card point according to an embodiment of the present invention.
Referring to FIG. 1, a premium settlement system 100 (hereinafter, referred to as a 'premium settlement system') using credit card point accumulation according to an embodiment of the present invention includes a
The insurance
On the other hand, the insurer has the advantage that it does not have to pay the credit card company fee for the credit card company because it uses monthly credit card company points to settle / pay the premium every month. Of course, corresponding to this, the burden on insurance premiums can be reduced even for customers.
In addition, by using credit card company points, the insurer will not incur the expense of collecting or maintaining insurance payouts, and in the long run, the problem of overdue or insolvable problems will be reduced. There is also a benefit that the automatic transfer fee generated by the conventional automatic withdrawal method does not occur. Correspondingly, the use of credit cards is limited to customers, which reduces the burden on the delinquency and effectiveness of premiums.
In addition, since the points for the credit card of a plurality of credit card companies can be added to the insurance for one insurance, it is possible to reduce the burden on the user to use the credit card.
On the other hand, corporate cards can be configured to join group insurance, and members or employees who have limited access can enjoy insurance benefits through group insurance.
Hereinafter, the detailed configuration will be described.
The
There are no restrictions on the type of insurance, and it includes cancer insurance, dental insurance, eye insurance, child insurance, diabetes insurance, and fire insurance. When applying for corporate card issuance, it can be structured so that insurance can be made in connection with group insurance. Members of the corporation, employees, etc. may all be joined by group insurance.
These policies can be configured to keep the user as a separate contract regardless of the termination of the credit card.
The credit
The credit
Meanwhile, the credit
And the credit
On the other hand, in the case where the
When the user has a plurality of credit cards, it is advantageous in that the user is less burdensome to use the card by being configured to add up the points. In this case, the same kind of points means points designated to be able to pay premiums for the same one insurance, and the names and accrual rates per point need not be the same.
The points may be summed up such that one credit
On the other hand, the credit
The credit
In the case of collective indemnity liability insurance, it is very useful for users because members or employees who can not join personally can join collective indemnity insurance. In other words, since the insurance is configured to be linked with the credit card, there is an advantage that the insurance is extended to the user. For example, a user with a history of cancer development may be covered by a collective indemnity insurance and receive cancer treatment fees. As for the insurance company, it is possible to receive a large amount of contribution premium through the group liability insurance, and as for the credit card company, it is possible to receive a large amount of the card fee due to the use of the corporate card.
Group liability insurance may include cancer insurance, dental insurance, eye insurance, diabetes insurance, fire insurance, etc.
The
In addition, the
2 is a flowchart of a premium payment method using a credit card point according to an embodiment of the present invention.
Referring to FIG. 2, the
Next, the credit
At this time, the credit
In addition, the credit
Next, the credit
Next, an amount of points equivalent to the monthly insurance premium of the insurance out of the points at which the credit
At this time, if the accumulated points are less than the monthly payment premium, the credit
And the amount corresponding to the point of the same kind as the points accumulated in the other credit
Next, the
It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the following claims It will be possible.
Claims (10)
The amount of the point corresponding to the monthly premium of the insurance is paid in advance among the points accumulated each month according to the predetermined accumulation ratio in accordance with the use of the credit card A credit card company server paying a fixed premium payment date;
And the credit card company server receives the amount of the point corresponding to the monthly insurance premium of the insurance from the credit card company server, and the payment is completed with the monthly insurance premium of the insurance An insurance payment system using a credit card point that includes an insurance company server to process.
If the point is less than the monthly premium for insurance, the user is requested to pay the amount corresponding to the difference between the point and the monthly insurance premium, and the amount corresponding to the point and the amount deposited by the claim The system comprising: means for receiving a credit card;
Further comprising at least one or more other credit card company servers configured to accumulate points of the same kind as the points and to accumulate the accumulated points together with points accumulated by the credit card company server, Insurance settlement system using credit card points accumulation.
The insurance company's affiliation with the insurance company server is approved and the insurance premium is added to the monthly insurance premiums of the points paid monthly according to the predetermined accrual rate according to the use of the corporate card And the amount of the corresponding points is paid at a predetermined premium payment date.
Wherein the system is approved in association with the insurance company server for the insurance of the group insurance liability insurance including cancer insurance, dental insurance, eye insurance, diabetes insurance, and fire insurance.
Authorizing the credit card company server to subscribe to the credit card for which the subscription is made and approving the subscription in connection with the insurance company server of the insurance company for the insurance;
The credit card company server accumulating a point based on a predetermined credit ratio in accordance with a usage amount of the credit card;
Paying the amount of the point corresponding to the insurance monthly payment insurance premium among the points to which the credit card company server accumulates the insurance premium to a prescribed premium payment date;
And the insurance company server receives the amount of the point corresponding to the monthly insurance premium of the insurance from the credit card company server and completes the payment with the monthly insurance premium of the insurance.
If the accumulated points are less than the monthly payment premium, the user is requested to pay the amount corresponding to the difference between the point and the monthly payment premium, and the amount corresponding to the point and the amount deposited by the request, And the payment is made to the server.
And the amount corresponding to the same point as the points accumulated in the other credit card company server is added to the amount of the points to be paid as monthly insurance premiums of the insurance.
And the insurance company insurance server is associated with the subscription of the corporation card and the subscription of the group liability insurance for the member of the corporation to the insurance company server to approve the insurance settlement method using the credit card point accumulation method.
Wherein the insurance company, the insurance company, the dental insurance, the eye insurance, the child insurance, the diabetes insurance, and the fire insurance is approved in conjunction with the insurance company server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020130084324A KR20150009859A (en) | 2013-07-17 | 2013-07-17 | System and method for calculating insurance using saving credit card point |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020130084324A KR20150009859A (en) | 2013-07-17 | 2013-07-17 | System and method for calculating insurance using saving credit card point |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| KR20150009859A true KR20150009859A (en) | 2015-01-27 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020130084324A KR20150009859A (en) | 2013-07-17 | 2013-07-17 | System and method for calculating insurance using saving credit card point |
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| Country | Link |
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| KR (1) | KR20150009859A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110998625A (en) * | 2017-07-12 | 2020-04-10 | 株式会社华伦迪 | Settlement management server, program, and settlement method |
-
2013
- 2013-07-17 KR KR1020130084324A patent/KR20150009859A/en not_active Application Discontinuation
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110998625A (en) * | 2017-07-12 | 2020-04-10 | 株式会社华伦迪 | Settlement management server, program, and settlement method |
| CN110998625B (en) * | 2017-07-12 | 2023-08-29 | 株式会社华伦迪 | Settlement management server, program, and settlement method |
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