KR20170113042A - Method for selectively inspecting special agreements in the computer-readable recording medium on which insurance agreements are recorded, and the computer-readable recording medium - Google Patents

Abstract

The present invention provides a product code including a special coupon code for allowing a subscriber to view only the terms to which the subscriber has subscribed and provides an instant coupon code for allowing the subscriber to view only the coupon subscribed to when viewing the recording medium, A computer readable recording medium having an insurance policy capable of selectively reading the ranch, and a method for creating an instant product code and screening a ranch, comprising: an execution program for automatically executing a recording medium; And a condition list DB 110 for selecting one of the terms and conditions DB. Each condition of the condition database is divided into a main condition database 120 and a special condition DB 130 The term list DB 110 includes a main contract list DB 111 and a master list DB 112 for each main contract and a list of the special subscribers to which the subscriber subscribes from the term list DB 110 And a condition code extracting unit 400 for extracting only the coupons to which the subscriber subscribes from the commodity code consisting of the coupon code and the main contract code generated by the coupon code generating unit 300 As shown in FIG.

Description

A computer-readable recording medium containing an insurance policy that allows instant product code writing and ad hoc screening, and an instant product code and screening method for selective admission are recorded on the computer-readable recording medium on which insurance agreements are recorded , and the computer-readable recording medium}

The present invention relates to a computer-readable recording medium such as a CD in which insurance contracts and insurance companies are easily provided with insurance terms that must be notified as required by law, A computer-readable recording medium containing an insurance contract that enables instant product code writing and special admission reading, and a method for instant product code writing and ad hoc selection browsing.

In general, for the purpose of guaranteeing various kinds of future matters such as insurance, the products that are sold under the terms of the various contracts stipulated by the parties are reviewed by the state agency beforehand, It must be issued to a consumer who is one of the parties to the contract and it is recognized as a normal contract.

In accordance with the characteristics of these products, issuance of the related terms in the insurance contract process is an indispensable obligation, and conventionally, the product terms are usually printed on paper, produced in the form of booklets, and issued to consumers as subscribers.

However, from the standpoint of an insurance company, designing and selling dozens or dozens of insurance products, it is necessary to anticipate demand for booklets of the above printed form, make custom orders, need. As a result, the cost of manufacturing costs and inventories are reflected in the cost of goods, which is a cause of cost increase for both insurance companies and policyholders.

In addition, the above-mentioned terms are required to guarantee or reflect the complicated cross-section of the society, so that the contents are becoming more complicated, and the condition of the book is greatly increased, and the booklet If the product is discontinued without being exhausted, it is necessary to dispose of the product, resulting in an economical loss.

In consideration of the problem of the paper printing conditions, in order to read and record the terms on a recording medium such as a compact disk (CD) so that the computer can be read by a computer, Utility Model No. 1999-2371, and Provisional Patent Application No. 2002-8347, respectively.

These first prior art technologies have various beneficial advantages by recording the terms and providing them to the consumers using the CD media, respectively. According to the relevant laws and regulations, the Financial Supervisory Service has a relatively large storage capacity By using CD, many conditions are recorded in this CD medium and shared with various products, so that consumers can easily select their own terms and conditions and not to make mistakes in their choices.

As a result, the first prior art has a disadvantage in that when the CD containing the terms is simply provided to the consumer, it is possible to accurately distinguish and confirm the subscription product of the user, and to amend the terms when outputting the terms and conditions.

Accordingly, the present inventor has developed a technology such as Korean Patent No. 10-0787651 as a second prior art to solve various problems occurring in the issuance and browsing of the conventional insurance contract as described above have.

The second conventional technique is to read a computer-readable recording medium in which a plurality of terms of a product type in a ground print form are recorded on a CD medium so that the user can browse and view the goods he / And a condition file recorded in the CD media is embedded in a view file through a monitor and an output file through a printer, and the output file is encrypted and recorded so as to prevent the tampering of the outputted terms and conditions The present invention provides a method of browsing a computer-readable recording medium on which a condition is provided, and further, a CD condition issued in an off-line state can be browsed, and a CD To be able to view the terms and conditions of the insured products of other insurers not included in the agreement To lure subscribers to conveniently provide a method of reading a computer-readable recording medium terms are contained made to verify the terms of their subscription plan.

The method for screening a computer-readable recording medium containing the insurance policy of the second prior art for this purpose is a method for screening a computer-readable recording medium such as a CD medium in which an insurance contract issued by an insurance company to a subscriber is recorded, The CD medium includes an execution program for automatically executing a CD, a condition DB recording a plurality of insurance terms and a condition list DB for selecting one of the terms and conditions DB, And a printing condition DB encrypted in a form different from the DB for screen terms DB for displaying the contents of the terms and conditions on the display screen, the method comprising the steps of: (a) If you insert the CD medium that the subscriber has issued into your computer, Installing the program, the method comprising to the CD media is automatically executed (S101); (b) a CD item inquiry step (S102) of selecting an inquiry of a specific CD item among a plurality of CD items built in the CD medium; (c) a step (S103) of, when the "insurance terms" item is selected in the CD item inquiry step (S102), an inquiry of the insurance policy in order to browse the insurance policies registered by the subscriber among the plurality of insurance policies; (d) an online check step (S104) for detecting whether or not the subscriber is connected to the Internet when the designation step (S103) of inquiring the insurance policy is selected; (e) a product code input step (S105) of requesting the subscriber to input a corresponding product code corresponding to a corresponding insurance policy to be searched in the offline state as a result of the online check step (S104) in the step (d); (f) a condition code reading step (S106) of reading the code from the condition list DB built in the CD medium when the corresponding product code is inputted; (g) a code matching detection step (S107) for checking whether the goods code input by the subscriber matches the pre-stored goods code of the condition list DB; (h) a selection condition screen output step (S108) for outputting only the corresponding screen use condition in the screen condition database through a viewer program if the detection result in the code matching detection step (S107) coincides with the detection result; (i) a print selection detecting step (S109) of detecting a print request of a contract output through the viewer program; (j) a file converting step of decrypting only the encrypted condition file read out from the printing condition database classified by the same code as the selected product code, when the printing request is detected in the printing selection detecting step (S109) S110); (k) printing (S111) only the deciphered printing conditions through the file conversion step (S110); (l) If it is online as a result of the online check step (S104) in the step (d), it is determined whether the subscriber has browsed online including the terms of the insurance company other than the insurance company that provided the condition CD A step S201 of requesting an input signal for confirming whether or not it is possible; (m) confirming whether or not the subscriber's request to view the CD contract based on the signal input in the step (l) (S202); (n) a step (S203) of confirming whether or not the request for browsing is a condition listed in the provided CD, when the CD condition is requested to be checked in the step (m); (o) performing (S105) a step of inputting a corresponding product code of the CD, when the condition requested to browse is included in the CD as a result of the determination in the step (n); (p) an identity confirmation step (S204, S205) for confirming whether or not the user is authorized by the electronic authentication when the reading request is not recorded in the CD as a result of the determination in the step (n); (q) displaying the list of all insurance products that the subscriber has subscribed to the entire insurance company from the provision web server when the user is identified as the user in the step (p) (S206); (r) a merchandise selection step (S207) for selecting a corresponding merchandise which is requested to be browsed among the insurance products subscribed by the searched subscriber; And (s) downloading the terms of the selected merchandise and proceeding to step (h) to browse or print the desired terms and conditions; And a control unit.

Preferably, the CD item in the CD item inquiry step (S102) includes an item of "introduction of insurance company", "insurance common sense", "other advertisement" and " To be displayed.

It is possible to browse the Terms by browsing the Terms embedded in the Terms and Conditions of the Terms and accessing the Terms and Conditions web server using the Terms and Conditions CD.

1 to 3, the second conventional technology basically includes an insurance company that sells insurance products, a subscriber who purchases the insurance product, , Providing the terms online between the insurance company and the subscriber, and recording the necessary terms and conditions at the request of the insurance company, and providing a CD medium to supply the insurance company with the terms and conditions. (See FIG. 1).

In other words, when a subscriber joins an insurance product of a certain insurance company by the insurance company's business, the insurance company will issue a CD medium containing the terms according to the obligation of notice to the subscriber.

The creation of the Terms and Conditions CD is made by contract terms with the various insurance companies, and the web server side receives the terms and conditions CD by delivering them.

A subscriber who purchases an insurance product as described above will receive a CD of the Terms and Conditions.

The conditional CD of the second conventional technique includes a program for automatically executing a CD, a web browser for accessing the Internet, a condition DB recording a plurality of insurance terms and a condition database And a condition list DB, wherein each condition of the condition database is divided into a screen condition and a printing condition, a printing condition is a text code converted encrypted file, a viewer program for outputting a screen, And a decryption program for decrypting encrypted terms to output to a printer and a recording medium on which data is recorded.

Now, referring to the method of browsing the CD medium containing the terms according to the second prior art, when the subscription CD of the subscriber is inserted into the computer, the CD executing program installs the executable program necessary for browsing the terms, and the CD terms are automatically executed )do.

The subscriber can selectively inquire various items recorded on the Terms CD through the step of inquiring a CD item (Step S102) in which a specific item is selected from a plurality of items included in the Terms CD.

The above-mentioned items can be classified into insurance company introduction, insurance common sense, other advertisement and terms inquiry item, and they are divided into items and selectively inquired.

(S103) the insurance policy inquiry in order to view the insurance policy subscribed by the subscriber in the item inquiry step (S102); and when the insurance policy designation (S103) is selected, whether the subscriber is connected to the Internet (S104) of detecting an item code (S104) for detecting a product code, inputting a product code (S105) for inputting a product code to be inquired when the product is offline, (S106), and code matching detection (S107) for checking whether the product code entered by the subscriber matches the product code of the terms list DB. If they match, the corresponding terms are displayed on the screen through the viewer program (S108), a print selection (S109) for detecting a print request of a contract output through the viewer, and a selection step (S111) of reading out the terms from the printable DB of the contract classified by the same code as the selected product code, and converting the text file of the encrypted condition into the decryption program by the file conversion step (S110) .

If the user is in the online state at the step of inquiring the terms and conditions (S103), a confirmation input S201 is made to confirm whether or not to read the condition including the terms of the insurance company other than the insurance company that provided the condition CD, (S203); confirming whether or not the requested condition view is matched with the product code included in the provided condition CD (S203); and if the product is recorded on the CD, inputting the corresponding product code of the CD (Step S205), and if it is confirmed to be the person himself / herself (S205), it is determined whether the subscriber is from the insurance company (S206) of displaying all insurance products subscribed to the selected insurance product, a step S207 of selecting a product for which the inquired subscribed insurance product is requested to be browsed, Is downloaded and printed out through the step of downloading and displaying the terms of the article (S108).

Through the browsing process, the subscriber can selectively output the screen output and the print output when browsing the product included in the terms CD. When the user prints the encrypted output file, the subscriber decrypts the encrypted print file using the decryption program from the contract printing DB, To prevent the modification of the contents of the Terms and Conditions, and to prevent the modification of these Terms and Conditions to prevent damages and disputes caused by the modification of the Terms.

The encryption of the printing term is to convert the text code of the printable file so that the original text content is not known to the code character itself. This is because the method of adding or subtracting a certain number to the code value of each character, (Location conversion), or a combination of these methods. In decoding, it is possible to decode the original character string by a decryption program having the encryption inverse formula, and this method itself is already known It is also a technology.

Meanwhile, when the CD medium containing the above-mentioned conditions is loaded into the computer, the CD execution program installs the executable program necessary for browsing the terms and conditions, and the CD terms are automatically executed to install the basic program, A procedure for inputting a CD item inquiry request for selecting a specific item from among a plurality of items included in the item, a procedure for designating an insurance contract inquiry to browse the insurance contract subscribed by the subscriber in the item inquiry procedure, A procedure for checking whether the subscriber is connected to the Internet when the specific condition is selected in the contract specification procedure, a product code input procedure for requesting input of the corresponding article code to be inquired when the user is offline, The procedure for reading the code from the list of the terms and conditions contained in the CD, A code matching detection procedure for checking whether the product code entered by the particle matches the product code of the condition list DB, a selection condition screen output procedure for outputting the corresponding condition to the screen through a viewer program if a match is found, A print selection process of detecting a print request of the term of agreement when the print request is detected; reading the terms from the print DB of the terms classified by the same code as the selected product code when the print request is detected; And a program for executing the procedure of printing the terms through the file conversion procedure to be decoded by the program is recorded.

As described above, the second prior art has solved the problems of the conventional product type of the ground printing form and the disadvantage of the condition CD simply recorded and recorded, and records many of the terms in a CD medium to read a specific product When a user submits a copy of the terms and conditions recorded on the CD media to a viewer through a monitor file, it is possible to prevent errors or misunderstandings of the terms, And the output file through the printer are separately stored, and the output file is encrypted and recorded, thereby preventing the out-of-order modulation of the output condition, thereby preventing disputes and accidents caused by the alteration of the output condition. You can browse the CD terms issued in the line status, Provide Terms and Conditions By connecting to the web server online and browsing the terms of the subscription products of other insurance companies that are not included in the CD terms, subscribers can easily check the terms of their subscription insurance. have.

However, in most insurance products, there are many ridicules that subscribers can not easily identify, and in the case of general subscribers who are not insurance experts, the names of these ridiculars are unfamiliar and difficult to distinguish, 1 Conventional technology as well as the second prior art also have all the special drugs recorded on the recording medium and it is very difficult for them to select only the drugs they have subscribed to and it is also difficult to confuse other drugs with similar names This is a misunderstanding as an affiliated drug, and many complaints have been filed.

On the other hand, Korean Patent No. 1146057 discloses a storage medium and a browsing method for easily confirming a guarantee content including a special license for each subscriber.

The third prior art will be described with reference to Figs. 4 to 6. Fig.

The third prior art is aimed at a storage medium in which a subscriber can easily and easily ascertain terms and conditions of an insurance product to which the subscriber has subscribed among a plurality of products, and a reading method using the same.

In the third prior art, it is intended to enhance security by blocking a third party from directly accessing and checking the policy file of the insurance product.

FIG. 4 is a conceptual diagram for explaining a storage medium capable of guiding the guarantee contents for each subscriber according to the third prior art, and a browsing method using the storage medium, And a contents area in which a DB area for making the contents of a special drug into a database and a condition area and a special drug content in the DB area for each subscriber are called and displayed on the screen after the execution program is executed.

Here, the DB area includes a condition database (3) in which a plurality of items sold by an insurer are databaseed, and a special DB (3) that is a database of the special contents applied separately according to the contract between the subscriber and the insurer 2). In addition, when assigning to the unique information, a part of the contents of the terms and conditions of the terms and conditions of the special DB are extracted for each subscriber for each subscriber, and a summary for expressing on the table is provided, And a summary DB (1) which is provided in the database.

At this time, the condition DB (3), the special business DB (2), or the summary DB (1) of the DB area are formed in a binary form. After analyzing the unique information of the subscribers assigned after the execution program runs, The contents of the terms of the subscribers and the contents of the specials are converted into a text form and displayed on the screen.

That is, the DB area is constructed as a Birany type DB (1, 2, 3) in order to protect the contents of a contract, rider, or summary, and the above process is performed so that a subscriber or a third party accesses a direct condition file We have strengthened security by restricting it from the origin.

In addition, the content area requests the unique information of the subscriber to be input into the window automatically opened after the execution program operation, and when the unique information is input, the content information is analyzed according to the result of analysis at the time of integrity analysis have. At this time, contents provided by the subscriber can be provided with information on the insurance company to which the subscriber is subscribed, information on the insured information on the insurance, and information on the terms and conditions of the insurance or the subscription plan (summary).

5A and 5B, when the compact disc is inserted into the computer, the execution program automatically operates, and a new window is opened on the screen to request the user to input the name and unique information of the subscriber.

At this time, in the opened window, a user name field 11a for inputting the name of the subscriber and a subscription number field 11b or 11c for entering the unique information of the subscriber made up of a plurality of fields are formed, The certificate number field is divided into a number of fields so that the content of the subscriber and the contents of the agreement can be easily distinguished for each field.

At this time, if the subscriber's name and unique information are normally input, the summary or design of the subscription can be confirmed as shown in FIG. 5B.

Here, a summary displayed on the screen will be displayed as to who has subscribed to the insurance product at a designated location based on the name of the subscriber entered in the user name column 11a of the previously opened window. In addition, The unique information of the subscriber entered in the fields 11b and 11c is analyzed to display on the table 14c the insurance product to which the subscriber subscribes is extracted and displayed as to what the commodity is and what the specific content is like or a summary is displayed.

In addition, a new window is opened at the bottom, and a condition view button 14a and a condition print button 14b are formed so that the subscriber can confirm the terms of the subscribed product.

Similarly, if the name and unique information of the subscriber are inputted according to the embodiment, a screen for confirming the subscribed product and the contents of the special offer is opened. That is, it is displayed who has joined the insurance product at a designated location based on the name of the subscriber entered in the user name field 11a of the previously opened window, and also the entry number 11b and 11c of the previously opened window The unique information of the subscribed subscriber is analyzed to display what kind of insurance product the subscriber has subscribed to and the content of the special drug that was made when the subscriber joined the insurance product. In addition, a new window is opened at the bottom, and a button for selecting the selected terms and a button for printing the added terms are displayed so that the subscriber can confirm the terms of the subscribed item.

If the subscriber enters his or her name and affiliation number and completes the integrity check, he / she will print out a reminder to confirm the subscriber's name and affiliation number on the insurance certificate again. In this case, according to the embodiment, the user name field for entering the name of the subscriber shown in FIG. 5A and the subscription number field for dividing the subscriber's unique information into one or more spaces may be formed.

The specific information of the subscriber to be decoded here is composed of a plurality of fields, each of which consists of an insurance product field indicating an insurance product sold by the insurer, an inspection field for checking the integrity, and a special field for each insurance product do.

In other words, the unique information of the subscriber decoded in addition to the three letters of the name of the subscriber to be substituted in the user field is the insurance product field (0000000 to 1111111) of binary 7Bit (2 ⁷ : 128 items can be loaded) A hexadecimal number 4Byte special field (00000000 to FFFFFFFF) indicating special license information of the registered product, and a 1 byte check field (00 to FF) for checking the integrity of the code.

At this time, the unique information of the subscriber inputted into the subscription certificate field is divided into two spaces. In the first column, the values of the insurance product field and the inspection field are inputted in the first column, and the value of the special field is inputted in the second column . In other words, the value input in the first column is the character of the 3-digit 32-digit number (00000 in binary notation) as the value of the product item field and the check field value, Is a hexadecimal value of 8 digits assuming 30 digits, or a hexadecimal digit of 6 digits as shown in the following table.

A special name Binary code A special name Binary code Race 0 00000/00000/00000/00000/00000/00000 Rider 15 00000/00000/00000/10000/00000/00000 Rider 1 00000/00000/00000/00000/00000/00001 Race 16 00000/00000/00001/00000/00000/00000 Rider 2 00000/00000/00000/00000/00000/00010 Race 17 00000/00000/00010/00000/00000/00000 RELEASE 3 00000/00000/00000/00000/00000/00100 Race 18 00000/00000/00100/00000/00000/00000 Rider 4 00000/00000/00000/00000/00000/01000 RELEASE 19 00000/00000/01000/00000/00000/00000 Rider 5 00000/00000/00000/00000/00000/10000 RELEASE 20 00000/00000/10000/00000/00000/00000 Rider 6 00000/00000/00000/00000/00001/0000 Race 21 00000/00001/00000/00000/00000/00000 RELEASE 7 00000/00000/00000/00000/00010/00000 Reward 22 00000/00010/00000/00000/00000/00000 RELEASE 8 00000/00000/00000/00000/00100/00000 Race 23 00000/00100/00000/00000/00000/00000 RELEASE 9 00000/00000/00000/00000/01000/00000 Exception 24 00000/01000/00000/00000/00000/00000 Race 10 00000/00000/00000/00000/10000/00000 RELEASE 25 00000/10000/00000/00000/00000/00000 Privilege 11 00000/00000/00000/00001/00000/00000 RELEASE 26 00001/00000/00000/00000/00000/00000 Rider 12 00000/00000/00000/00010/00000/00000 RELEASE 27 00010/00000/00000/00000/00000/00000 Exception 13 00000/00000/00000/00100/00000/00000 RELEASE 28 00100/00000/00000/00000/00000/00000 Special Rule 14 00000/00000/00000/01000/00000/00000 RELEASE 39 01000/00000/00000/00000/00000/00000

32-character Binary code 32-character Binary code 0 00000 G 10000 One 00001 H 10001 2 00010 J 10010 3 00011 K 10011 4 00100 M 10100 5 00101 N 10101 6 00110 P 10110 7 00111 Q 10111 8 01000 R 11000 9 01001 S 11001 A 01010 T 11010 B 01011 U 11011 C 01100 V 11100 D 01101 W 11101 E 01110 X 11110 F 01111 Y 11111

If the unique information of the subscriber is entered in the subscription number field, the user name entered in Korean is 00, which is the sum of hexadecimal Unicode value, special information (hexadecimal conversion) and product information (hexadecimal conversion) A check field value of 1 byte is checked to check integrity.

Therefore, when the name and the unique information of the subscriber are input, the third prior art can easily and easily confirm the terms and special contents of the insurance product to which the subscriber belongs among the plurality of insurance products sold by the insurance company.

In addition, the configuration of the execution program for expressing the contents of the agreement and the contents of the agreement is composed of a code substitution unit, a query analysis unit, a query processing unit, and a plurality of DBs and a text output unit.

The third prior art can easily and easily confirm the terms and conditions of the insurance product to which the subscriber has subscribed among a plurality of insurance products sold by the insurance company by inputting the name and unique information of the subscriber.

In addition, the third conventional technique has no inconvenience of finding and checking complicated terms or special contents and enhancing security by restricting access to a direct condition file through a binary processed DB and a query processing unit.

FIG. 4 illustrates a method of browsing the terms and expressions according to the third prior art. As shown in FIG. 4, when the insurance company and the subscriber enter into a contract and a compact disc is issued, The execution program of the third prior art is operated by the automatic execution program. At this time, an execution program may be installed and operated on the computer according to the embodiment (S101)

When the execution program is activated, a new window is opened on the screen, and a unique number and name of the subscriber are requested to be input (S 102)

In response to this, when the subscriber's unique information and the name input are completed, the subscriber's unique number and name are analyzed to analyze what kind of commodity the subscriber has joined and what kind of special contracts are concluded with the insurance company.

At this time, integrity is verified whether or not the inherent information and the name of the subscriber are correctly assigned (S103)

If there is a defect, it is requested to re-enter the name and unique information of the subscriber. If there is no defect, the analyzed result is secured and the summary in the DB area is called up or displayed. Alternatively, (S104, S105, and S106), the name of the subscriber, the insurance product to which the user belongs, and the contents of the special agreement made with the insurance company.

In the displayed summary, a button for printing or confirming the terms of the registered product is formed. If the view condition button is selected, the terms of the corresponding registered product are inquired and displayed (S107, S108, S109) If the user selects the print button, he or she queries the terms of the subscription product and prints them (S110, S111, S112)

Therefore, in the third prior art, if the name and the unique information of the subscriber are input, the subscriber can confirm the contents of the agreement and the special condition of the insurance product to which the subscriber has subscribed without any inconvenience of finding and checking the contents It is.

However, in the case of the third prior art, since the matching information such as the insurance certificate and the subscriber must be recorded on the recording medium, the recording medium must be written or corrected after receiving the insurance certificate. , It is necessary to enter a separate expert from the insurance solicitor and the insurance branch, and the insurance company issuing the insurance certificate must be entered in the same way. Therefore, a series of procedures And insured subscribers also need to find and enter the contractor's name and the security number to access the recording medium, which is not cumbersome.

In addition, most of the public is confused about who has contracted with whom, when the policy contractor changes on the way and over time, it is too complicated to view the insurance policy by opening the recording medium. In some cases, To a situation where the user should inquire about the information.

Of course, there may be a feature that third parties other than subscribers may not be able to browse the special rider, but the insurance contracts are open documents that are open to anyone, so there is no reason to keep the third person confidential. Although there may be a concern that the third party's identification of the subscribers' rider may be maliciously exploited, if the person is in a location where the insurance policy itself can be seen, such as family members or family members, , There is no reason to keep the third party secret as to what special agreement you have made.

In addition, it can increase the confusion even for the insured person himself. In case that the insurance contractor changes or the special insurance is changed in the middle, confusion occurs to the insured person himself and rather, It may be said to be in violation of its original purpose.

In addition, the general public may want to check for special cases that he or she does not subscribe to. In other words, a subscriber who wants to add or change a rider after insurance is willing to compare what rider he / she joined and what rider he / she can join but has not yet joined. However, the above-mentioned prior art technology can only result in worse results because only the special drugs to which the user belongs can be browsed.

Finally, the third prior art is applicable only to writable recording media because the inventor first commercialized and institutionalized CD terms and acquired patents because the paper terms are too vast, It was because of convenience that it was given one by one if it made in advance and insured. In the past, it was difficult to print a lot of paper terms and conditions in advance because it would not be known when insurance products would be sold when the insurance products would be discontinued. On the other hand, So it is not necessary to produce many CDs, but on the other hand, it is necessary to produce it beforehand so that it can be distributed at that time, so any CD The premise was that the terms must be pre-made. However, as described above, since the subscriber and the security number must be recorded on the CD as described above, the entire insurance policy must be recorded in advance, and contents of the subscriber and the security number must be recorded at that time. This is a disadvantage in that it is three times as expensive as a CD standard, rather than a readable recording medium.

Patent No. 10-0787651 (Screening method of computer-readable recording medium containing insurance terms) Patent No. 1146057 (storage medium and browsing method for easily confirming guarantee content for each subscriber)

It is an object of the present invention to solve the problems of the prior art as described above and to provide a product code including a special coupon code for allowing a subscriber to view only the subscription terms, The present invention relates to a computer readable recording medium on which an insurance contract that allows the user to write instant product codes so that only the special items to which the user has subscribed can be browsed,

Further, according to the present invention, it is possible to easily create a coupon code directly by an insurance collector using a recording medium so that only coupon codes can be read, and anyone can easily browse the coupon. In addition, The present invention relates to a computer readable recording medium in which an insurance contract for writing an instant product code and allowing a special selection and browsing can be enjoyed so that the user can enjoy the above advantage even when the CD is used.

Further, according to the present invention, when an insurance solicitor easily generates a special code by using a recording medium and stores the special code in the recording medium, only the registered terms are automatically displayed when the insurance policy is browsed, The present invention relates to a computer readable recording medium in which an insurance code that enables instant product code creation and special insurance selection inspection to prevent confusion even when the contents of the contract are changed on the way,

According to another aspect of the present invention, there is provided a computer readable recording medium having an insurance policy that allows instant product code creation and special selection browsing, comprising: an execution program for automatically executing the recording medium; And a condition list DB 110 for selecting one of the terms and conditions DB. The terms and conditions of the condition database are stored in the main condition list DB 120, The terms and conditions DB 110 includes a main agreement list database 111 and a special drug list DB 112 for each main agreement. A special code generating unit 300 that includes only a special special code and a special code that is generated by the special code generating unit 300 It characterized in that it further comprises the agreement code extraction unit (400).

The condition code extracting unit 400 preferably includes an agent code including an ID and a password of each agent, insurance agent information including an ID and password of each insurance offer, or both, And directly reads the goods code stored in the storage unit 500, and automatically extracts the subscription code.

According to another aspect of the present invention, there is provided a method for preparing an instant goods code for a computer-readable recording medium, the method comprising: (a) automatically executing an electronic contract execution program; (S5) of displaying the "product code generation" and "insurance policy view" selection menu when the "insurance policy" is selected according to the condition item and the insurance policy selection (S2 to S4); (c) a step (S13) of generating a commodity code including a main contract code and a special contract code made up of the main contract and the special contract to which the subscriber subscribes when the "create commodity code" is selected in the selection menu in the step (a); And (d) displaying (S14) the final product code generated in the step (c); And a main drug listing database 111 in which product codes for various main contracts are recorded is stored in the main drug list DB 111 of the term list DB 110. The drug carriers belonging to each main drug are grouped in advance, (C1), the special code generating unit (300) is configured to cause the master code to be selected from the master code list or to input the master code in the direct input window (S131) of confirming whether the main contract is inputted / selected; and (c2) if the main contract is inputted / selected, displaying the main contract code for the corresponding input / selected master contract and a table of contract classified by predetermined groups (S132); (c3) assisting the subscriber to select a special coupon to which the subscriber has subscribed, and confirming whether the subscriber's coupon selection is completed (S133); and (c4) (S134) and (c5) the step (c4) is performed for all the groups (S135 and S136), and the main contract in the step (c2) And combining the code with the coupon code in the step (c4) to complete the final product code generation.

Preferably, (b) if the item code generation is selected in the step (a), a login step S12; And (e) storing the product code in the step (c) in a storage space called a product code storage unit (S15); Wherein the step (b) further comprises the steps of: (i) providing an ID and a password for each agent and storing the agent in the agency database (210) of the recording medium in advance for each agent; (ii) And passwords are stored in advance in the insurance offerer DB 220 of the recording medium, and the respective loggers are logged in.

According to another aspect of the present invention, there is provided a computer readable recording medium having a computer readable recording medium storing an insurance contract according to another aspect of the present invention, the program comprising: (A) (S5) of displaying the "product code generation" and "insurance terms view" selection menu when the "insurance terms" is selected according to the electronic terms and insurance terms (S2 to S4); (B) When "view insurance terms" is selected from the selection menu in the step (A), the coupon code extractor 400 reads out the coupon code from the coupon code storage 500, A goods code input step (S22) for displaying an input window for inputting the number of the insurance policy and directly receiving the input; (C) a step (S23) of extracting a subscription condition code when the corresponding product code is inputted; (D) displaying the main contract corresponding to the subscription condition code extracted in the step (C) and the searched master list to support selection of the master list to be browsed among the searched master list (S24); And (E) searching for the terms selected in the step (D), and displaying the discovered special drug and the main agent on the screen (S25 to S27); (C1) a step S231 of extracting a first major majestic code of m digits, and (C2) dividing the first major majestic code into n The special code is decoded from the special code of the first group in step S232 and the special code in the special matching code table 134 is searched in step S234. (S233 to S236) decoding only the special code belonging to the last group and searching for only the special coupons to be matched; and (C4) displaying the main contract name and the discovered special coupon name (S237) Is characterized in that it displays only the special agreement terms list which agrees with the master contract term and the special code.

Preferably, (F) the subscriber selects (S31) printing the overall agreement of the displayed agreement (S28, S41-S42); And (G) when the subscriber selects printing of only the conditions on the screen of the displayed agreement (S21), printing only the screen conditions (S28, S31 to S32); And further comprising:

Also, preferably, in the step (B), when the "view insurance terms" is selected from the selection menu in the step (A), the coupon code extraction unit 400 extracts, And automatically extracts the subscription code even if the number of the insurance policy is not entered separately.

According to the computer readable recording medium in which the insurance code that can write the instant goods code according to the present invention and browse the special insurance can be browsed as detailed above, and the instant goods code and the screening method for the special insurance according to the present invention, The user can receive the commodity code including the special coupon code so that only the special coupon code can be seen so that the subscriber can view only the coupons to which the subscriber has subscribed when viewing the recording medium with the commodity code. It is an inventor that has various excellent effects such as being able to easily skip the terms and conditions that can not be skipped.

Further, according to the present invention, it is possible to easily create a coupon code directly by an insurance collector using a recording medium so that only coupon codes can be read, and anyone can easily browse the coupon. In addition, (CD), or by using the recording medium to easily create a special code, and when storing the special code on the recording medium, if you select only the insurance policy view, It is possible to automatically display the insurance contract, and to make it possible to browse the special insurance so that confusion does not occur even if the content of the insurance contract is changed on the way.

Further objects and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a network diagram showing an outline of a contract view using a CD containing the terms of the second prior art; FIG.
Figs. 2A and 2B are flowcharts showing a method of browsing a CD medium in which the terms of the second prior art are included; Fig.
FIG. 3 is a schematic diagram showing a data structure of a CD medium in which the terms of the second prior art are included; FIG.
FIG. 4 is a conceptual view of a storage medium and a reading method in which insurance terms of the third prior art are recorded. FIG.
5A is a display screen for subscriber authentication according to the third prior art.
Figure 5B is a display screen of a summary view of the insured subscribers according to the third prior art.
6 is a flowchart of a method of browsing an insurance policy according to the third prior art.
FIG. 7 is a block diagram of a computer readable recording medium having an insurance policy according to the present invention; FIG.
FIG. 8A is a main flow chart for explaining a screening method of a special screening of a computer-readable recording medium containing an insurance policy according to the present invention. FIG.
FIG. 8B is a detailed flowchart of a subroutine for the article code generating step of FIG. 8A. FIG.
8C is a detailed flow diagram of a subroutine for the subscription term code extraction step of FIG. 8A; FIG.
FIG. 9 is an exemplary product code table to which a computer readable recording medium containing an insurance policy capable of selective screening according to the present invention and an ad hoc screening method are applied.
10 is a commodity code table for explaining a commodity code generation process having a special code according to the present invention.
11 is an exemplary screen of a product code generation screen having a coupon code according to the present invention.
12 is an example of a product code generation screen having a coupon code according to the present invention.
13 is another example of a product code generation screen having a coupon code according to the present invention.
FIG. 14 is an example of an output window for inspecting insurance policies according to a conventional method; FIG.
15 is an example of an output window for inspecting insurance terms according to the method of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, You will know.

As shown in Fig. 14 and Fig. 3, the general insurance consists of a main contract (for example, 'Non-dividend Allianz LTC Double Pension Insurance') that guarantees the main items and a special clause assuring special matters. In the past, when you join insurance, you are issuing the terms of print or electronic terms, including the main contract and all of the special terms that you can join, so subscribers should distinguish the sub terms and conditions. In other words, it is possible to misunderstand that an unlisted rider has joined. The insurance company sells a large number of commodities, so that codes are given to the commodities, so that the code of the main contract and all of the special contract clauses can be read by the commodity code.

For example, as shown in FIG. 14 and Table 3, in the case of the 'non-dividend Allianz LTC double annuity insurance', the 'non-dividend premium exemption' rider (A) If you subscribe to A, B, C, D, E, F, or T under the "Non-dividend Allianz LTC Double Pension Plan" 001 ", so that the main contract and all of the special contracts corresponding thereto are read as shown in Fig. 14, so that the special contracts to which the user himself / herself has not subscribed are finally viewed.

However, in the present invention, in addition to the product code '001' of the 'non-dividend Allianz LTC double annuity insurance', a special code 'ABCDEFT' corresponding to the subordinate articles A, B, C, D, E, An improved code '001ABCDEFT' is assigned. Thus, according to the present invention, when a special code is entered together with a commodity code as shown in FIG. 15, only the main contract and the registered special commodities can be read. That is, if '001ABCDEFT' is entered in the code input field, only the subscription conditions are read.

Now, a computer readable recording medium in which the above-mentioned instant article code can be written and insurance terms can be browsed by special discount, and an instant article code and an ad hoc selection browsing method will be described in detail with reference to FIG. 7 to FIG.

FIG. 7 is a block diagram of a computer-readable recording medium containing an insurance policy according to the present invention, FIG. 8A is a main flowchart for explaining a privilege selection browsing method of a computer-readable recording medium containing an insurance policy according to the present invention, FIG. 8B is a detailed flowchart of the subroutine for the article code generating step of FIG. 8A, and FIG. 8C is a detailed flowchart of the subroutine for the subscription code extraction step of FIG. 8A.

FIG. 9 is an exemplary product code table to which a computer-readable recording medium and an ad hoc selection screening method in which an insurance contract enabling ad hoc screening according to the present invention is applied, 11 is an exemplary screen of a product code generation screen having a coupon code according to the present invention.

12 and 13 are examples of a product code generation screen having a coupon code according to the present invention, FIG. 12 shows an example in which all coupons are selected, and FIG. 13 shows an example in which only some coupons are optional .

First, a structure of a computer-readable recording medium in which an insurance contract that enables instant product code creation and special selection browsing is described will be described with reference to FIG.

The electronic term recording medium of the present invention also includes an execution program for automatically executing a CD, a web browser for accessing the Internet, general data such as a company introduction, common sense and the like, and a plurality of insurance terms And a condition list DB (110) for selecting any one of the terms and conditions of the condition database, and for decrypting the encrypted condition to output the selected condition A decoding program, an output program, and a recording medium on which data is recorded. However, in the present invention, the terms DB is not divided into screen output and print use. Instead, each of the terms is divided into a main agreement term DB 120 and a special term DB 130.

In addition, in the present invention, the company introduction data additionally includes information on each agent (including ID and password for each agent) and / or insurance agent information (including ID and password for each agent) It is desirable to allow the insurer to log in.

In addition, the terms list DB includes the main agreement list DB 111 and the master list DB 112 for each main contract, and the terms DB 100 is also divided into the main agreement terms DB 120 and the special terms DB 130 .

In addition, the special code generating unit 300 and the condition code extracting unit 400 are provided as separate subroutines, which will be described later, and they share a readable / writable independent memory called a product code storing unit 500 It is more preferable to be able to do this.

Next, a description will be given with respect to the creation of a coupon code for a computer-readable recording medium on which the insurance contract is recorded and a method for selecting a coupon screen, with reference to Figs. 7 to 8C.

As shown in FIGS. 7 and 8A, when the computer readable recording medium (electronic condition CD) containing the insurance terms is inserted into the computer, the electronic contract execution program is automatically executed (S2), and the insurance solicitor or the insured (S3), the selection of the insurance contract (S4), the selection of the insurance contract, and the display of the "product code generation" and "insurance contract view" selection menu S5). If the insurance policy is not selected, the first return (S10) is made. In some cases, after a certain time has elapsed after displaying the insurance company introduction or sponsorship advertisement, Click to return to the first.

However, if the insurance contractor or the insurer (contractor) selects one of the lines as a result of selecting the "insurance contract" and displaying the "product code generation" and "view insurance contract" menu, In the case of the advertiser, the "product code generation" will be selected (S11).

In this case, it is preferable to additionally set the sign-in process (S12) as necessary. When allowing the commodity code generation to be done by anyone, it is preferable to increase the confusion for the general public who is not familiar with insurance terms or insurance It is because.

It is preferable that i) the ID and the password are assigned to each agency and stored in the agency DB 210 of the recording medium in advance when the insurance policy DB 100 is recorded, ii) the information of each insurance collector However, in any of the cases i) and ii), the present invention requires authentication on the recording medium itself, not on-line, in real time. Therefore, It needs to be stored.

Now, if the login is successful, the commodity code is generated (S13). In this case, the special drugs belonging to each main contract are grouped and can be selected in advance for each group.

The fact that n can be arbitrarily added to a specific primary contract means that the subscriber can choose one, two, or three special contracts in the main contract when insured, The number of ⁿ cases is shown.

Therefore, it is only necessary to have a product code as many as the number of each case, so that it is possible to browse only the subscription condition by inputting the product code including the subscription rider at the time of browsing the terms. That is, there must be 2 ^{n number} of n-bit digit special codes distinguishing whether or not to join, so that only the special drugs registered can be distinguished and read. Therefore, since it is not possible to distinguish one from another, it is generally expressed by converting n-bit special code into decimal or hexadecimal.

Once the commodity code is provided in advance with the commodity code, for example, four digits can be assigned as shown in FIG.

For example, if the third "(non-dividend) double pension insurance" is taken as an example, the product code of the main contract becomes "1003", and the rationale for that is as shown in FIG. 11, assuming that n = A total of 20 bits of special codes are required. For example, if the subscriber subscribes to all the special codes, a special code having 20 bits all in addition to the main code is required.

However, it is inconvenient to record all 20-bit binary numbers, so of course it is written in decimal or hexadecimal hexadecimal. For example, when all of the above-mentioned ridiculars are registered, all the digits are 1, so if the 4 digits are divided into hexadecimal codes, the result is 'FFFFF'.

On the other hand, it is not uncomfortable to generate a hex code by manual or by using a computer connected to a server at least in a computer room or at each insurer.

Moreover, it is difficult to find a commodity code corresponding to a subscription selected by the subscriber even if a large number of special subscription code houses are created, and it should be a recording medium on which an insurance policy program including a commodity code generating step is recorded. , It is preferable that the insurance recruiter can create the commodity code including the commodity code and give it to the insured person immediately.

In particular, it is true that the product that is sold almost every month is changed and changed, and the product code generation program is included in the CD terms. However, every time the change is made to the tablet PC carried by the insurance recruiter, You can create a code and give it a product code that can be described in the CD terms that you carry, but you can create a subscriber's product code with a product code generation program so that you can see only the terms that you signed up for when you subscribed to the insurance. It is more preferable that the electronic insurance policy issuance can be made so as to distinguish the special drug subscribed through the recording medium (CD) if there is a computer at any time and anywhere.

The purpose of the instant granting method of the present invention, which issues contracts immediately after subscribing, is that, according to the terms of the contract, insurance companies are obliged to provide insurance contracts and explain them 'when the contractor subscribes, , And the terms of the contract and the contractor 's application form will be given without delay after submission.

In other words, the contract must be issued immediately from the place where the subscription is made. In the present invention, when the insurance contractor makes an insurance subscription, the subscriber generates a subscription code in accordance with the subscription item (the subscription agreement and the subscription) It is also possible to record the contracts so that the contracts can be issued immediately, and the contractors can also view the contracts that they have just signed up with, so that the cancellation rate can be lowered.

If the contractor agrees to insure the insured person, the insurer knows best about the special agreement covered by the subscription agreement, so the insurer will select the option to generate the insurance code's offer code After checking the registered main contract and the registered special contract, the code of the product is created and the product code is written on the electronic contract cover, and the contract is issued to the contractor together with the subscription for keeping the contract immediately after submission. If you enter the product code of the electronic policy cover that the insurance collector has listed after selecting the insurance policy view, you can view only the terms and conditions that you have signed up for, so that you can inquire or explain on the spot and avoid unnecessary misunderstandings or confusion. .

More specifically, the product code generation step (S13) will be described in detail. In the present invention, a main-agent list DB (for example, an insurance policy CD) in which a product code and a summary for various main- (See FIG. 9) are stored in the main contract list DB 111 of the contract list DB 110. In addition, four special contracts are grouped by each main contract, and the special coupon DB 112). At this time, each grouping should be grouped as long as possible.

For example, if 20 arbitrageons can be arbitrarily added to the main contract of '(double) pension insurance', in this case, the special code is required to have 20 powers of 2 (1,048,512), and in many cases, special code , The product code is given by applying the point that the code can be simplified by grouping four by using the hexadecimal number. Since the CD Terms and Conditions can contain many types of insurance, many insurance products are provided to the policyholders by collecting the terms and conditions of the insurance contracts, so there is a problem that the subscriber should look for. Therefore, Shall be given.

In the case of each group (in the case of FIG. 10, from the 1st to the 4th rider), the rider is placed in the 4-digit binary number, and the number of joining cases is indicated by 0 or 1

When displayed, 15 join all the rider from 0 to ₁₆ (0000 ₍₂₎₎ does not join any rider _10, that is, F ₁₆ (1111 ₍₂₎₎ comes out the number of 16 cases of up to, It is converted to hexadecimal value (0 ~ F) and it can be displayed as one code.

In other words, if 20 arbitrageons can be arbitrarily added, they can be grouped into 4 groups and divided into 5 groups. If the 32 rider can be arbitrarily added, they can be grouped into 4 groups of 8, so that they can be assigned an allotment code in 8-digit hexadecimal.

More specifically, as shown in FIG. 7, FIG. 8B, FIG. 9 and FIG. 11, the special code generating section 300 of FIG. (S131). If the main contract is inputted / selected, the main contract is selected in the preliminary agreement list for the input / selected master contract A list of conditions (FIG. 11) classified into the predetermined groups is displayed (S132). Now, in step S133, the insurance solicitor selects a special coupon according to which the subscriber is subscribed in the displayed table of contracts, and when the selection of coupon coupon is completed and the product code generation is clicked (S133) The value of the rider selected in 4 is converted into the hexadecimal value (S134).

Thereafter, n is incremented by one (S135), and the value of the rider selected in the fourth group belonging to the nth group of the next sequence is converted into the hexadecimal hex value. If the number of groups is larger than the length of code (S136). If the difference is less than the predetermined value, the process proceeds to S134, and the value of the selected rider is converted into the hexadecimal value by dividing the next rider into four hexadecimal values. Otherwise, the subroutine is terminated and the process proceeds to step S14 of FIG. 8A (S14), and stores it in a storage space (500 in FIG. 7) (S15) after displaying the product code field in the product code field (S15) .

For example, if all the specials are registered, the commodity code becomes '1003FFFFF' as shown in FIG. For the sake of readability, if the main contract code and the special code are separated by a dash (-), it may be written as 1003-FFFFF.

If the entered commodity code is 1003-FFFFF, the previous 4 digits will be the non-dividend double annuity insurance equivalent to 1003 of the main contract, the hexadecimal number F will be 15 in decimal number, and the binary numbers 1, 2, 4, You can get the result of joining all the riders because they are added.

Therefore, the terms and conditions codes are 1003, 201, 202, 203, 204, 205, 206, 207, 208, 209, 210, 211, 212, 213, 214, 215, 216, 217, 218, 219,

For reference, an example product code in FIG. 13 is '1003FB5CE'. For the sake of readability, if the main and special codes are separated by a dash (-), they may be written as 1003-FB5CE. If the entered product code is 1003FB5CE, the first two digits are the non-dividend double annuity insurance corresponding to the main contract 1003, and the hexadecimal number B is 11 in decimal, plus the binary numbers 1, 2, , 2, and 8 corresponding to the special codes 205, 206, and 208, respectively. Since the hexadecimal number 5 is a decimal number 5, it is a value obtained by adding the binary numbers 1 and 4. Therefore, it is possible to obtain the result that two special codes 209 and 211 corresponding to 1 and 4 are registered. C and E are extracted in the same way. Therefore, the subscription code is 01, 201, 202, 203, 204, 205, 206, 208, 209, 211, 215, 216, 218, 219,

Now, with reference to FIG. 7, FIG. 8A, and FIG. 8C, an insurance policy view of an insured person will be described in detail.

7) is selected (step S21), an item code input window is displayed to display the insurance policy of the subscriber or the electronic signature of the subscriber (For example, 1003-FB5CE) stored in the product code storage section (500 in Fig. 7) stored in the CD for electronic terms or directly reads the product code described in the CD for the terms, (Step S23). In step S231, the main code of the first four digits is extracted (step S231). Then, the twenty digits of the special code are automatically converted from the next hex code into four digits (S232).

Thus, the first special code is decoded (S233), and only the subscribed specials indicated as '1' among the first decoded specials are searched in the special matching code table 134 (S234) S235), it decodes the special code belonging to the n-th group of the next order and searches only the matching specials. If it is determined that the number n of the groups is larger than the LOC (S236) , The process returns to S233 and repeats. Otherwise, only the main contract name and the discovered special name are displayed (S237), and the subroutine is terminated and the process proceeds to S24 of FIG. 8A.

Now, the subscriber is asked to select a contract number to be viewed from among the displayed coupons, and it is searched whether there is a selected contract number to be browsed by the subscriber (S24). If there is no such contract number within a certain time (S109). If there is a selected agreement number desired to be viewed within a predetermined period of time, the user first accesses the master agreement terms DB 120 and the corresponding special agreement DB 130 (step S29) S25) and outputs the corresponding terms (S26).

The process S27 of displaying the screen is similar to the first and / or second prior arts, and it is examined whether the condition is desired to be printed (S28). If not desired, the process is terminated (S30) (S31), the contract of only the portion on the screen is searched (S32), and the contract is searched (S32). If the user wants to print only the portion of the screen, On the other hand, if it is desired to print the entire agreement (S41), the entire agreement is printed (S42), and the process is terminated (S30).

Therefore, it is possible to prevent the mistakes of the collateral contents from being mistaken by giving the special code to the commodity code so that only the registered special commodities are registered, and the subscriber does not need to select his or her own special order.

Further, in the case of a readable / writable recording medium for storing the product code made up of the main contract and the special contract of the insurance to which the subscriber has subscribed in the product code storage unit 150 of the electronic agreement CD, The goods code stored in the code storage unit (500 in FIG. 7) is automatically read and the browsing process is performed. Therefore, it is more convenient and also prevents errors due to typographical errors. However, in this case, it is inevitable that there is a restriction factor that it should be a readable / writable recording medium.

On the other hand, in addition to adding the special code to the commodity code so that only the subscription terms are read, in the case of the rider whom the majority chooses, even if it is an obligatory rider or an optional rider, It is possible.

For example, in the case of an all-special subscription, treat the special code as single-digit "X", or if you do not subscribe to one special deal, treat the special code as single-digit "Y" If you do not subscribe to a special coupon that you choose to sign up for, you may have a way to process the coupon code as a single digit "Z".

As described above, the embodiments of the present invention described above should not be construed as limiting the technical idea of the present invention. The scope of protection of the present invention is limited only by the matters described in the claims, and those skilled in the art will be able to modify the technical idea of the present invention in various forms. Accordingly, such improvements and modifications will fall within the scope of the present invention as long as they are obvious to those skilled in the art.

(Third prior art - Figs. 4 to 6)
1: Abstract DB 2: Special DB
3: Terms DB 11: Code substitution department
11a: User name column 11b, 11c: What is a subscription number?
12: Query Analysis Unit 13: Query Processing Unit
14: text output section 14b: view condition button
14b: Print condition button 14c: Table
(Present invention - Figs. 8 to 15)
10: Conventional product configuration agreement output window
11: Conventional cautions
20: output of the product configuration terms according to the present invention
100: Terms DB 110: Terms list DB
111: Main contract terms list DB 112: Special contract list DB
120: Main contract terms DB 130: Special terms DB
200: Company Introduction 210: Distributor DB
220: Insurance recruitment DB
300: special code generating unit 400: condition code extracting unit
500: Item code storage unit

Claims (7)

A computer-readable recording medium containing an insurance contract that enables an insurance company to write an instant goods code issued to a subscriber and to read out a special drug selection,
An execution program for automatically executing the recording medium;
A condition DB 100 in which a plurality of insurance terms are recorded,
And a condition list DB 110 for selecting one of the terms and conditions DB,
Each of the terms and conditions of the terms and conditions DB is divided into a main agreement term DB 120 and a special term DB 130,
The terms and conditions list DB 110 includes a main contract list DB 111 and a master list DB 112 for each main contract,
A special code generating unit 300 including only the special items to which the subscriber subscribes from the terms and conditions DB 110,
Further comprising a condition code extracting unit (400) for extracting only a coupon subscribed by the subscriber from the commodity code made up of the coupon code and the main contract code generated by the coupon code generating unit (300) And an insurance policy that allows for the selection and reading of the rider. The method according to claim 1,
Agency information including the ID and password of each agency, insurance agent information including the ID and password of each insurance offer, or both,
The condition code extracting unit (400) directly reads the product code stored in the product code storage unit (500) and automatically extracts the subscribed condition code. A computer-readable recording medium containing the terms. A method for preparing an instant goods code for a computer readable recording medium containing an insurance term,
(a) Select "Generate product code" and "View insurance terms" when you execute the electronic contract execution program automatically and select "Insurance contract" according to whether electronic contract items and insurance contracts are selected Displaying a menu (S5);
(c) a step (S13) of generating a commodity code including a main contract code and a special contract code made up of the main contract and the special contract to which the subscriber subscribes when the "create commodity code" is selected in the selection menu in the step (a); And
(d) displaying (S14) the final product code generated in the step (c);
/ RTI >
A main contract listing DB 111 in which product codes for various main contracts are recorded is stored in the main contract list DB 111 of the contract list DB 110 and a special coupon list DB 111 is prepared in advance so that the coupons belonging to each main contract are pre- Lt; RTI ID = 0.0 > 112,
The step (c)
(c1) supporting the special code generating unit 300 to select the main drug from the main drug list or input the main drug into the direct input window, and checking whether the main drug is inputted / selected (S131)
(c2) if the main contract is entered / selected, displaying the main contract code for the corresponding input / selected master contract and a table of contracts classified by a predetermined group (S132)
(c3) assisting the subscriber in selecting the special courier service to which the subscriber has subscribed, confirming whether the subscriber has selected the coupon service (S133)
(c4) coding (S134) the special drug selected starting from the first group among the special drugs selected in the step (c3)
(c5) If the step (c4) is executed for all the groups (S135 and S136), the main contract code in the step (c2) and the coupon code in the step (c4) Step
Wherein the insurance code is recorded on the computer readable recording medium. The method of claim 3,
(b) if the "product code generation" is selected in the step (a), the login step S12; And
(e) storing the product code in the step (c) in a storage space called a product code storage unit (S15);
Further comprising:
The step (b) includes the steps of: (i) providing an ID and a password for each agency and storing it in advance in the agent DB 210 of the recording medium; (ii) providing an ID and a password for each insurance collector; And inserting the insurance contract into the insurance offer DB 220 of the recording medium in advance, and logging in for each of the offerers. As an instant-on-the-spot screening method of a computer-readable recording medium containing an insurance policy,
(A) Select "Generate Commodity Code" and "View Insurance Terms" when you select the "Insurance Terms" according to whether the electronic contract execution program is automatically executed and the electronic contract items and insurance contracts are selected Displaying a menu (S5);
(B) When "view insurance terms" is selected from the selection menu in the step (A), the coupon code extractor 400 reads out the coupon code from the coupon code storage 500, A goods code input step (S22) for displaying an input window for inputting the number of the insurance policy and directly receiving the input;
(C) a step (S23) of extracting a subscription condition code when the corresponding product code is inputted;
(D) displaying the main contract corresponding to the subscription condition code extracted in the step (C) and the searched master list to support selection of the master list to be browsed among the searched master list (S24); And
(E) searching for the terms selected in the step (D), and displaying the discovered special drugs and the main agent on the screen (S25 to S27);
, ≪ / RTI &
The step (C)
(C1) a step S231 of extracting a main drug code of the first m digits,
(C2) a step (232) of dividing the special code into n groups,
(C3), the special code is decoded from the special code of the first group (S233), only the coupons marked as subscription out of the decoded coupons are searched in the coupon code table 134 (S234) (S233 to S236) of searching for only the matching specials,
(C4) displaying only the main agent name and the discovered special agent name (S237)
Lt; / RTI >
Wherein the display of the list of agreement terms displays only the list of agreement terms that match in the main contract terms and the coupon codes. 6. The method of claim 5,
(F) if the subscriber selects printing of the overall terms of the displayed terms (S31), printing all the terms (S28, S41 to S42); And
(G) printing (S28, S31 to S32) only the screen conditions when the subscriber selects printing only the conditions on the screen of the displayed condition (S21);
The method of claim 1, further comprising the steps of: 6. The method of claim 5,
In the step (B), when the "view insurance terms" is selected in the selection menu in the step (A), the coupon code extraction unit 400 reads the product code from the product code storage unit 500 , And automatically extracts the code of subscription terms without having to enter the number of the insurance contract to which it belongs.

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