KR20160076892A - Mobile system and method to purchase insurance by using electronic coupon - Google Patents

Mobile system and method to purchase insurance by using electronic coupon Download PDF

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Publication number
KR20160076892A
KR20160076892A KR1020140187496A KR20140187496A KR20160076892A KR 20160076892 A KR20160076892 A KR 20160076892A KR 1020140187496 A KR1020140187496 A KR 1020140187496A KR 20140187496 A KR20140187496 A KR 20140187496A KR 20160076892 A KR20160076892 A KR 20160076892A
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South Korea
Prior art keywords
electronic coupon
insurance
server
linked
mobile
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KR1020140187496A
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Korean (ko)
Inventor
김용훈
윤택동
서명진
박주영
Original Assignee
주식회사 옴니씨앤에스
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Priority to KR1020140187496A priority Critical patent/KR20160076892A/en
Publication of KR20160076892A publication Critical patent/KR20160076892A/en

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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a mobile system to purchase an insurance by using an electronic coupon and a method thereof. A method to make people purchase an insurance using an electronic coupon according to an embodiment of the present invention comprises: a step that, if a person who wants to give an insurance product as a gift purchases an electronic coupon linked with the insurance product using a mobile terminal, the electronic coupon linked with the insurance product is transmitted to a mobile terminal of another person; and a step that, if the person who received the electronic coupon applies for an insurance contract via a PIN number written on the electronic coupon, an intermediate server pays an insurance fee in advance, thereby making the contract immediately. The present invention provides effects of immediately making a contract only if a person who received an electronic coupon proceeds a subscription procedure by purchasing and giving away an insurance product electronic coupon having a PIN number and making an intermediate server pay an insurance fee, that is, an electronic coupon price in advance via the PIN number.

Description

TECHNICAL FIELD [0001] The present invention relates to a mobile insurance subscription system using an electronic coupon, and a mobile insurance subscription system using the electronic coupon,

The present invention relates to a mobile insurance subscription system using an electronic coupon and, more particularly, to a mobile insurance subscription system using an electronic coupon, and more particularly, If the person receiving the electronic coupon submits the insurance contract through the pin number described in the electronic coupon, the intermediary server prepares the insurance premium and immediately concludes the insurance contract. This is a technical field related to a mobile insurance subscription system and method thereof.

Insurance contracts have been introduced through the insurance agent as a way of insuring the use of telemarketing and insuring through the Internet, away from the conventional way of documenting. Also, through home shopping, The contract of the insurance product can be concluded with only the telephone order.

Along with the proliferation of smartphones, insurance has recently been introduced by using smartphones, and insurance products are increasingly being purchased directly from the online market through smartphones.

In recent years, insurance contracts have been diversified in various ways, such as providing insurance products as gifts.

FIG. 1 is a screen of a terminal showing an insurance product sold in an online market in a conventional manner.

The online market shown in FIG. 1 generally includes an online shopping mall such as Interpark, Gmarket, and auction, and sells insurance products online as it sells products in the online market.

FIG. 2 is a part of a screen of a terminal showing various insurance products of FIG. 1, and FIG. 3 is a screen of a terminal for purchasing an insurance product in an online market according to the conventional method of FIG.

As shown in FIG. 2, various kinds of insurance products to be sold in an online market can also be displayed, and thus, a purchaser of an insurance product in front of a terminal, for example, a PC, can purchase an insurance product as if it were an article.

The purchase of such an insurance product is not a formal agreement of the purchase of the insurance product itself or the insurance contract itself, and in order to formally make the insurance contract with the insurance company, a predetermined procedure such as identification of the person, And the insurance contract is finally made after the procedure such as examination.

Conventional patent documents through mobile terminals include "mobile insurance service method using mobile communication terminal (Application No. 10-2003-0049592, hereinafter referred to as" Prior Art 1 ")," insurance through mobile communication terminal capable of the Internet " Prior Art 3: Network-based Ticket Release and Insurance Subscription Service System (Application No.: 10-2000-0037730, hereinafter referred to as "Prior Art 2"), -0067191, hereinafter referred to as "Prior Art 3"), "and" a method of insuring using an electronic coupon and a mobile electronic coupon (Application No. 10-2012-0079188, hereinafter referred to as "Prior Art 4") do.

In the case of the sale of the conventional insurance product as shown in FIGS. 1 to 3, or in the case of the related arts 1 to 4, after the insurance product is sold, the amount paid by the buyer of the product is made by card, There is a problem in that a significant difference occurs between the purchase timing of the insurance product and the actual insurance contract execution time because the insurance contract is formally signed so that the insurance contract can be concluded only after the amount paid to the insurance company is deposited in the next month.

KR 1020030065443 A KR 1020020004155 A KR 1020020037167 A KR 1020120088643 A

The mobile insurance subscription system and method using the electronic coupon according to the present invention are devised in order to solve the above-mentioned problems of the related art. The mobile insurance subscription system and the method using the electronic coupon according to the present invention are designed to purchase an insurance product through purchase of an electronic coupon, To provide a mobile insurance subscription system that allows the payment to be made immediately without any delay, so that the insurance can be carried out without any delay.

The solution of the present invention is not limited to those mentioned above, and other solutions not mentioned can be clearly understood by those skilled in the art from the following description.

The mobile insurance subscription system using the electronic coupon according to the present invention and the method thereof have the following problem solution for solving the above problem.

A mobile insurance subscription system using an electronic coupon according to the present invention is a mobile system that allows an insurance subscription to be made using an electronic coupon, An insurance company server that issues the associated electronic coupon as a 'linked electronic coupon'); A market server for selling the linked electronic coupon issued by the insurance company server on-line; A mobile terminal connected to the market server for purchasing the linked electronic coupon issued by the insurance company server or concluding an insurance contract for the predetermined insurance product associated with the purchased electronic coupon; And a business agreement with the insurance company server is computed, a predetermined pin number is assigned to the linked electronic coupon issued by the insurance company server, and the mobile terminal transmits an insurance contract of the predetermined insurance product linked to the linked electronic coupon And a mediating server for paying the purchase price of the linked electronic coupon to the insurance company server when concluded.

At least one or more of the predetermined insurance products of the mobile insurance subscription system using the electronic coupon according to the present invention are linked to the linked electronic coupon, and the market server may select at least one or more To the mobile terminal user.

The predetermined insurance product linked to the linked electronic coupon of the mobile insurance subscription system using the electronic coupon according to the present invention is described on the linked electronic coupon, and when the mobile terminal receives the linked electronic coupon, The predetermined insurance product associated with the coupon can be recognized.

The mobile terminal of the mobile insurance subscription system using the electronic coupon according to the present invention may be connected to the market server to purchase the linked electronic coupon and pay the purchase price to the market server, To the market server so as to transmit the terminal to another terminal; And a receiving terminal for receiving the linked electronic coupon purchased by the purchasing terminal through the market server and requesting the insurance company server to join the predetermined insurance commodity associated with the received linked electronic coupon .

The pin number of the mobile insurance subscription system using the electronic coupon according to the present invention is displayed on the coupon electronic coupon and the receipt terminal receives the text character including the pin number separately.

The insurance company server of the mobile insurance subscription system using the electronic coupon according to the present invention may further include a settlement server for providing the coupon code to the intermediary server when receiving the subscription for the predetermined insurance commodity linked to the linked electronic coupon from the receipt terminal The payment of the purchase price for the purchase of the product.

The mediation server of the mobile insurance subscription system using the electronic coupon according to the present invention checks the validity of the pin number when receiving the payment of the purchase price for the linked electronic coupon from the insurance company server, The purchase price is paid to the insurance company.

The market server of the mobile insurance subscription system using the electronic coupon according to the present invention receives a request for payment of the purchase price from the brokerage server and provides the purchase price to the brokerage server.

A mobile processing method for an insurance coupon using an electronic coupon according to the present invention is a mobile processing method for insuring an insurance coupon using an electronic coupon, the mobile transaction method comprising the steps of: (a) Hereinafter, the electronic coupon associated with the predetermined insurance product is referred to as a 'linked electronic coupon'); (b) the linked electronic coupon is transmitted to a market server, and the linked electronic coupon is presented as a sale on the market server; (c) the linked electronic coupon is purchased by a mobile terminal connected to the market server, and a purchase price of the linked electronic coupon is deposited in the market server; (d) the mobile electronic coupon is transmitted to the mobile terminal, and the mobile terminal receiving the linked electronic coupon requests the insurance company server to apply for the predetermined insurance product linked to the linked electronic coupon; And (e) the insurance company server requests payment of a purchase price to the brokerage server, the brokerage server depositing the purchase price, and completing insurance for the predetermined insurance product. have.

The step (a) of the insured mobile processing method using an electronic coupon according to the present invention may further include the step of assigning a pin number to the linked electronic coupon by the intermediary server so as to recognize the validity of the linked electronic coupon And further comprising

The linked electronic coupon of the insured mobile processing method using the electronic coupon according to the present invention may include a plurality of the predetermined insurance products and is displayed on the linked electronic coupon.

In the step (b) of the insured mobile processing method using an electronic coupon according to the present invention, the predetermined insurance product may be a plurality of types, and a plurality of the predetermined insurance products may be provided to the mobile terminal user And is presented.

The mobile terminal of the insured mobile processing method using the electronic coupon according to the present invention may access the market server to purchase the linked electronic coupon and pay the purchase price to the market server, A purchasing terminal that requests the market server to transmit the coupon to another terminal; And a receiving terminal for receiving the linked electronic coupon purchased by the purchasing terminal through the market server and requesting the insurance company server to join the predetermined insurance commodity associated with the received linked electronic coupon .

The pin number of the insured mobile processing method using the electronic coupon according to the present invention is displayed on the coupon electronic coupon and the receipt terminal may separately receive text characters including the pin number .

In the step (e) of the insured mobile processing method using an electronic coupon according to the present invention, when the payment of the purchase price for the linked electronic coupon is requested from the insurance company server, validity of the pin number is confirmed, And when the pin number is valid, the purchase price is paid to the insurance company.

The insured mobile processing method using an electronic coupon according to the present invention is characterized in that after the step (e), the market server receives a request for payment of the purchase price from the intermediary server and pays the purchase price to the intermediary server And further comprising:

The mobile insurance subscription system using the electronic coupon according to the present invention having the above-described structure and method thereof can purchase and present an insurance product electronic coupon with a pin number assigned thereto, The insurance premium, that is, the purchase price of the electronic coupon, is paid, so that the person who has received the electronic coupon provides the effect that the insurance can be made immediately by the registration process.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

FIG. 1 is a screen of a terminal showing an insurance product sold in an online market in a conventional manner.
FIG. 2 is a part of a screen of a terminal showing various insurance products of FIG.
FIG. 3 is a screen of a terminal for purchasing an insurance product in an online market and guiding insurance participation according to the conventional system of FIG.
FIG. 4 is a schematic view showing each configuration of a mobile insurance subscription system using an electronic coupon according to the present invention. FIG.
FIG. 5 is a conceptual diagram showing that an electronic coupon is issued by the intermediary server and the insurance company server of FIG. 4, and that the electronic coupon is purchased and presented at the market server.
FIG. 6 is a flowchart illustrating an example of a case where the receiving terminal of FIG. 4 requests an insurance company contract with an insurance company server, the intermediary server prepares the purchase price paid to the market server by the purchasing terminal to the insurance company server, And the purchase price is paid to the mediating server.

The mobile insurance subscription system and method using the electronic coupon according to the present invention can make various changes and have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Hereinafter, a mobile insurance subscription system using an electronic coupon according to the present invention and a method thereof will be described in detail with reference to the drawings.

FIG. 4 is a schematic view showing each configuration of a mobile insurance subscription system using an electronic coupon according to the present invention. FIG. FIG. 5 is a conceptual diagram showing that an electronic coupon is issued by the intermediary server and the insurance company server of FIG. 4, and that the electronic coupon is purchased and presented at the market server. FIG. 6 is a flowchart illustrating an example of a case where the receiving terminal of FIG. 4 requests an insurance company contract with an insurance company server, the intermediary server prepares the purchase price paid to the market server by the purchasing terminal to the insurance company server, And the purchase price is paid to the mediating server.

As shown in FIG. 4, the mobile insurance subscription system using an electronic coupon according to the present invention includes a mobile terminal 10, 20; A market server 30; A mediation server 40; And an insurance company server 50.

First, the mobile terminals 10 and 20 referred to in the present specification are mobile terminals, which means that an application or the like can be installed and a specific operation can be performed. In addition, the mobile terminals 10 and 20 can perform data communication with an external server or a communication terminal through networking, and there is no restriction on the networking method.

Typical examples of the mobile terminals 10 and 20 may be smartphones such as Samsung Galaxy S series, Galaxy Note, Apple Inc.'s iPhone series, or tablet PCs such as Apple Inc.'s iPad.

A user of the mobile terminals 10 and 20 can access a market server 30 such as a G-Market, an Auction, an Interpark, and the like through the mobile terminals 10 and 20 The user can purchase not only various goods but also insurance products, and the user can perform various information transmission and reception for this purpose.

The mobile terminals 10 and 20 may not only purchase the insurance product through the market server 30 but also receive the electronic coupon 100 associated with the purchased insurance product, It becomes possible.

A mobile terminal 10 and 20 connected to a market server 30 to purchase an electronic coupon and the like are referred to as a purchasing terminal 10 and a mobile terminal for receiving a purchased purchase is referred to as a receiving terminal 20. As described above, the purchasing terminal 10 and the receiving terminal 20 may be the same or separate.

First, the insurance company server 50 is a server operated by an insurance company such as LIG, Prudential, Dongbu Insurance, Samsung Life Insurance, etc., and can contract insurance through computerized processing.

The insurance company server 50 issues an insurance product that can be purchased on the mobile. The insurance product can be purchased in the market server 30 in the form of an electronic coupon.

The insurance company server 50 does not receive the purchase price for the sold insurance product from the market server 30 via the credit card company or the like because the business contract is made with the intermediary server 40 which will be described later on the insurance product to be issued, The brokerage server 40 can receive payment from the brokerage server 40 and then the brokerage server 40 can be paid directly from the market server 30 or via the card company to the transaction payment date.

As described above, the mediation server 40 provides a predetermined pin number 120 to the electronic coupon, which is a form of sales of the insurance product issued by the insurance company server 50, do.

The predetermined pin number 120 given by the mediating server 40 is the same as the ID number of the electronic coupon 100. The validity of the electronic coupon 100 can be examined through the pin number 120 .

As described above, the electronic coupon 100 is a concept corresponding to a coupon printed on paper, which can be sold, transferred, and redeemed through the Internet, and the electronic coupon 100 is provided with an electronic coupon 5, a linked insurance product 110 is described, a pin number 120 corresponding to a unique ID, insurance products 110 thereof; A bar code 130 or QR code (not shown) capable of holding the pin number 120 can be described.

The electronic coupon 100 is presented at the market server 30 and can be confirmed at the mobile terminals 10 and 20. The user of the mobile terminals 10 and 20 can receive the coupon 100 at any time after purchase through the mobile terminals 10 and 20 And the user of the mobile terminal 20 (the receiving terminal) receiving the gift and receiving the electronic coupon 100 without checking the purchase of the electronic coupon 100 can also be confirmed through the receiving terminal 20.

The pin number 120 of the electronic coupon 100 is a unique ID of the electronic coupon 100. The pin number 120 of the electronic coupon 100 corresponds to the type of the insurance product 110 linked to the electronic coupon 100, The rider of the insurance product and the validity of the insurance product (110) can be tracked and inquired through the pin number (120).

The electronic coupon 100 is issued by the insurance company server 50 but the unique pin number 110 can be given by the intermediary server 40 through the linkage of the insurance company server 50 and the intermediary server 40 The PIN number 120 is shared by the insurance company server 50 and the intermediary server 40.

The electronic coupon 100 is connected to at least one predetermined insurance product 110. If a plurality of insurance products 110 are linked to one electronic coupon 100, And the user who has purchased or presented the electronic coupon 100 can be confirmed through the mobile terminals 10 and 20. [

In this case, the market server 30 transmits a plurality of predetermined insurance products 110 to the mobile terminals 10 and 20 so that the users of the mobile terminals 10 and 20 can select at least one predetermined insurance product 110 And the user of the mobile terminals 10 and 20 can purchase the electronic coupon containing the plurality of predetermined insurance products through his own terminal. After purchasing the electronic coupon 100, So that a gift can be made.

The user of the mobile terminals 10 and 20 may purchase the electronic coupon 100 (hereinafter referred to as 'linked electronic coupon') to which the predetermined insurance commodity is linked, and may transmit the gift to the mobile terminal of the other person, (10); And a receiving terminal 20.

5, the purchasing terminal 10 is a mobile terminal that connects to the market server 30 and purchases the linked electronic coupon 100. The user of the purchasing terminal 10 connects to the market server 30, After purchasing the electronic coupon 100, the purchase price is paid using the purchasing terminal 10 through credit card payment, micro-mobile payment, or the like.

The user of the purchasing terminal 10 can present the present coupon to the other user, that is, the user of the receiving terminal 20, without downloading the corresponding electronic coupon 10 to the purchasing terminal 10 of his / In this case, the purchasing terminal 10 may record the telephone number of the receiving terminal 20 at the time of purchase at the market server 30, and may transmit the linked electronic coupon 100 to the receiving terminal 20.

5, the linked electronic coupon 100 includes a brand name representing an insurance company insurance such as a "Happy card ", a kind of a linked predetermined insurance product 110, a pin number 120, And a bar code 130 for inquiring information covering the linked electronic coupon 100 and a predetermined insurance product type 110 associated with the electronic coupon 100. The electronic coupon 100 can be displayed on the screen of the receipt terminal 20, will be.

The user of the collection terminal 20 can touch the pin number 120 of the associated electronic coupon 100 to touch one of the command input methods of the latest smartphone by hand, The information on the coupon 100 can be accessed through the mobile Internet homepage where the buyer, the name of the associated predetermined insurance product 110, the details of the insurance, and the insurance application method are introduced.

The user of the receiving terminal 20 receives the connecting electronic coupon 100 purchased by the purchasing terminal 10 from the receiving terminal 20 from the market server 30 and transmits the predetermined electronic coupon 100 linked to the received connecting electronic coupon 100 The insurance company server 50 requests the product 30 to join.

When the user of the purchasing terminal 10 purchases the linked electronic coupon 100, the user of the receiving terminal 20 already receives the purchase price (corresponding to the insurance product subscription fee) when the electronic coupon 100 of the purchasing terminal 20 is received ), It is possible to request the insurance for the predetermined insurance product 110 linked to the insurance company server 50 without paying a separate fee.

The insurance company who has received the insurance application from the collection terminal 20 by means of the computer is authorized to insure the user of the collection terminal 20 after receiving the insurance screening through the insurance company employee, Information is transmitted to the purchasing terminal 10 and the receiving terminal 20 so that the user of the purchasing terminal 10 and the user of the receiving terminal 20 can recognize whether the final insurance contract is a final contract or not.

The receiving terminal 20 receives the linked electronic coupon 100 as shown in FIG. 5 on the Internet, separately receives information described in the electronic coupon 100 by SMS or the like, and in this case, The pin number 120 is also included.

The user of the collection terminal 20 requests the insurance company server 50 to apply for insurance as described above (see FIG. 6), the insurance company server 40 transmits the linked electronic coupon The mediating server 40 which has received the request for the purchase purchase payment then confirms the validity of the pin number 120 written in the associated electronic coupon 100 and then transmits the electronic coupon 100 to the insurance company server 50. In this case, In this case, the insurance company server 50 finally approves the insurance of the user of the receiving mobile terminal 20, thereby completing the insurance application.

The mediating server 40, which pays the payment to the insurance company server 50, requests payment to the market server 30, and the market server 30 deposits the money to the mediating server 40. When the purchasing terminal 10 purchases the linked electronic coupon 100 by credit card payment, the credit card company deposits the money to the market server 30, and the mediating server 40 sends the payment to the market server 30 The market server 30 finally deposits the purchase price to the intermediary server 40 when the next month's credit card company requests the user of the purchasing terminal 10.

Hereinafter, a mobile processing method for insuring an insurance using an electronic coupon through the mobile insurance subscription system using the electronic coupon will be described.

As shown in FIGS. 5 and 6, the insurance company server 50 is connected to the intermediary server 40 through a computerized processing method, The electronic coupon 100 will be issued.

Thereafter, the linked electronic coupon 100 is transmitted to the market server 30, the linked electronic coupon is presented as a sale through the market server 30, and a purchase subscription is made to various people.

A user connected to the market server 30 via the mobile terminals 10 and 20 purchases the linked electronic coupon 100 and pays the purchasing charge using the mobile terminals 10 and 20. [

The user of the mobile terminal 10 or 20 who purchases or receives the linked electronic coupon 100 can use the mobile terminals 10 and 20 to transfer the predetermined insurance product linked to the linked electronic coupon 100 to the insurance company server 50 The insurer server 50 checks the validity of the insurance and the insurance qualification of the applicant for subscription and then sends the subscription server 40 a corresponding electronic coupon The brokerage server 40 confirms the validity of the pin number 120, and then pays the purchase price, that is, the insurance deposit. After that, the insurance contract is finally made .

As described above, in order to recognize the validity of the electronic coupon 100, it is preferable that the electronic coupon 100 is provided with the pin number 120 by the intermediary server 40.

The linked electronic coupon 100 may include a plurality of predetermined insurance products 110 and is preferably displayed on the linked electronic coupon 100.

The plurality of predetermined insurance products 110 may be presented to the users of the mobile terminals 10 and 20 by the market server 30 and may be provided to the mobile terminals 10 and 20. [ 20) The user should be able to choose various insurance products.

The mobile terminals 10 and 20 can be separated from the purchaser and the purchaser of the direct connection electronic coupon 100, And the receiving terminal 20 can be divided.

The purchasing terminal 10 accesses the market server 30 to purchase the linked electronic coupon 100 and pay the purchase price to the market server 30. The purchaser terminal 10 transmits the purchased electronic coupon 100 to another terminal And requests the market server 30 to purchase the linked electronic coupon 100 to transmit the electronic coupon.

The receiving terminal 20 receives the coupon electronic coupon 100 purchased by the purchasing terminal 10 via the market server 30 and transmits the coupon code to the predetermined insurance coupon 110 linked to the received coupon electronic coupon 100 And requests the insurance company server 50 for the subscription.

The PIN number 120 is actually displayed on the link electronic coupon 100 as shown in FIG. 4, and the receiving terminal 20 preferably receives the text character including the PIN number 120 separately .

When the payment of the purchase price for the linked electronic coupon 100 is requested from the insurance company server 50, the validity of the pin number 120 is checked. If the pin number 120 is valid, the purchase price is paid to the insurance company do.

The scope of the present invention is defined by the claims, the parentheses used in the claims are not used for optional limitation but are used for the definite components and the description in parentheses is also interpreted as an essential component .

10: Purchase terminal
20: Receiving terminal
30: Market server
40: mediation server
50: Insurer server
100: Coupon electronic coupon
110: Type of insurance
120: Pin number
130: Barcode

Claims (16)

1. A mobile system for making an insurance subscription using an electronic coupon,
An insurance company server for issuing an electronic coupon (hereinafter referred to as " linked electronic coupon ", which associates the electronic coupon associated with the predetermined insurance product)
A market server for selling the linked electronic coupon issued by the insurance company server on-line;
A mobile terminal connected to the market server for purchasing the linked electronic coupon issued by the insurance company server or concluding an insurance contract for the predetermined insurance product associated with the purchased electronic coupon; And
A business agreement with the insurance company server is concluded in a computer, a predetermined pin number is assigned to the linked electronic coupon issued by the insurance company server, and the mobile terminal concludes an insurance contract for the predetermined insurance product linked to the linked electronic coupon And a mediation server for paying a purchase price of the linked electronic coupon to the insurance company server when the mobile insurance subscription system is provided.
2. The electronic commerce system according to claim 1, wherein at least one of the predetermined insurance commodities is associated with the linked electronic coupon,
The market server,
Wherein the mobile terminal user presents the selected insurance product to the mobile terminal user so that the user can select at least one or more of the predetermined insurance products.
The mobile communication terminal of claim 1, wherein the predetermined insurance product linked to the linked electronic coupon is written on the linked electronic coupon, and when the mobile terminal receives the linked electronic coupon, Wherein the mobile insurance subscription system allows the user to recognize the product.
The mobile terminal of claim 1,
A purchasing terminal connected to the market server, purchasing the linked electronic coupon, paying a purchase price to the market server, and requesting the market server to transmit the purchased electronic coupon to another terminal; And
And a receiving terminal for receiving the linked electronic coupon purchased by the purchasing terminal through the market server and requesting the insurance company server to join the predetermined insurance commodity associated with the received linked electronic coupon Mobile insurance subscription system.
5. The system of claim 4, wherein the pin number is displayed on the linked electronic coupon,
The receiving terminal,
And receives a text character including the pin number separately.
5. The insurance company according to claim 4,
When receiving a subscription for the predetermined insurance product linked to the linked electronic coupon from the receiving terminal,
And requests payment of the purchase price for the linked electronic coupon to the intermediary server.
7. The information processing apparatus according to claim 6,
When receiving from the insurance company server the payment of the purchase price for the linked electronic coupon,
The validity of the PIN number is confirmed, and when the PIN number is valid, the purchase price is paid to the insurance company.
8. The market server according to claim 7,
Wherein the mobile insurance server receives a request for payment of the purchase price from the brokerage server and provides the purchase price to the brokerage server.
A mobile processing method for making an insurance subscription using an electronic coupon,
(a) issuing an electronic coupon linked with a predetermined insurance product (hereinafter, the electronic coupon associated with the predetermined insurance product is referred to as a 'linked electronic coupon') in cooperation with an insurance company server and an intermediary server;
(b) the linked electronic coupon is transmitted to a market server, and the linked electronic coupon is presented as a sale on the market server;
(c) the linked electronic coupon is purchased by a mobile terminal connected to the market server, and a purchase price of the linked electronic coupon is deposited in the market server;
(d) the mobile electronic coupon is transmitted to the mobile terminal, and the mobile terminal receiving the linked electronic coupon requests the insurance company server to apply for the predetermined insurance product linked to the linked electronic coupon; And
(e) the insurance company server requests a payment of a purchase price to the brokerage server, the brokerage server depositing the purchase price, and completing the insurance for the predetermined insurance product. Processing method.
10. The method of claim 9, wherein the step (a)
Further comprising the step of granting a pin number to the linked electronic coupon by the intermediary server so as to recognize the validity of the linked electronic coupon.
10. The mobile insurance subscription system according to claim 9, wherein the linked electronic coupon includes a plurality of the predetermined insurance products and is displayed on the linked electronic coupon.
10. The method of claim 9, wherein step (b)
Wherein the predetermined insurance product can be a plurality of kinds, and a plurality of the predetermined insurance products are presented to the mobile terminal user by the market server.
10. The mobile terminal of claim 9,
A purchasing terminal connected to the market server, purchasing the linked electronic coupon, paying a purchase price to the market server, and requesting the market server to transmit the purchased electronic coupon to another terminal; And
And a receiving terminal for receiving the linked electronic coupon purchased by the purchasing terminal through the market server and requesting the insurance company server to join the predetermined insurance commodity associated with the received linked electronic coupon How to process your mobile insurance.
14. The method of claim 13, wherein the pin number is displayed on the linked electronic coupon,
The receiving terminal,
And a text character including the pin number is received separately.
14. The method of claim 13, wherein step (e)
When receiving from the insurance company server the payment of the purchase price for the linked electronic coupon,
Confirms the validity of the pin number, and when the pin number is valid, the purchase price is paid to the insurance company.
16. The method of claim 15,
After the step (e)
Wherein the market server further receives a request for payment of the purchase price from the brokerage server and provides the purchase price to the brokerage server.
KR1020140187496A 2014-12-23 2014-12-23 Mobile system and method to purchase insurance by using electronic coupon KR20160076892A (en)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020004155A (en) 2000-07-03 2002-01-16 이수창 The method and apparatus for insurance entrance and management using mobile telecommunication terminal
KR20020037167A (en) 2000-11-13 2002-05-18 이수창 System for network-based simultaneous ticket sale and insurance entrance service
KR20030065443A (en) 2003-07-19 2003-08-06 우도영 Mobile Insurance Service Method using Mobile Communication Terminal
KR20120088643A (en) 2012-07-20 2012-08-08 한상윤 The Method taking up an insurance policy using an electronic coupon or an mobile electronic coupon

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020004155A (en) 2000-07-03 2002-01-16 이수창 The method and apparatus for insurance entrance and management using mobile telecommunication terminal
KR20020037167A (en) 2000-11-13 2002-05-18 이수창 System for network-based simultaneous ticket sale and insurance entrance service
KR20030065443A (en) 2003-07-19 2003-08-06 우도영 Mobile Insurance Service Method using Mobile Communication Terminal
KR20120088643A (en) 2012-07-20 2012-08-08 한상윤 The Method taking up an insurance policy using an electronic coupon or an mobile electronic coupon

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