KR20210045628A - The method of proving download and view of insurance contract document at mobile insurance process - Google Patents

Abstract

The present invention relates to a method for ensuring downloading and viewing of an insurance contract document after an insurance contract is completed. According to the present invention, the method comprises: a step of building a dedicated service server for receipt confirmation in addition to an insurance company server; a step of allowing the dedicated service server for receipt confirmation to generate, by a request of the insurance company server, a dynamic link matching with a document access URL capable of accessing an insurance contract document one-to-one and transmit the dynamic link to the insurance company server, and allowing the insurance company server to transmit the dynamic link to a subscriber's mobile terminal; and a step of executing mobile application software dedicated to receipt confirmation when the mobile terminal clicks the dynamic link, allowing the dedicated service server for receipt confirmation to store document download feedback and transmit first feedback to the insurance company server when the insurance contract document is downloaded in an executed application screen, and allowing the service server dedicated to receipt confirmation to store document viewing feedback and transmit second feedback to the insurance company server when the insurance contract document is retrieved. According to the present invention, the risk of controversy over incomplete sales due to the negligence of receipt confirmation is completely eliminated.

Description

How to guarantee download and view of insurance contract documents in mobile subscription {THE METHOD OF PROVING DOWNLOAD AND VIEW OF INSURANCE CONTRACT DOCUMENT AT MOBILE INSURANCE PROCESS}

The present invention relates to insurance subscription technology.

Article 43 of the Enforcement Decree of the Insurance Business Act Paragraph 4, No. 3, in the case of issuing the insurance policy or insurance policy in an electronic document, it is necessary to confirm whether the policyholder has received the relevant document. It stipulates that it is. Today, a large number of insurance contracts are made through online systems, and insurance terms and policies are created in real time as electronic documents (hereinafter referred to as "insurance contract documents") and transmitted to policyholders. In this reality, insurance companies must comply with the obligations of Article 43, Paragraph 4, No. 3 of the Enforcement Decree of the Insurance Business Act. At first glance, the obligations seem to be fulfilled without problems, but if we carefully examine the "substance of receipt of documents", the obligations are fulfilled. Question was raised. Technical imperfections are found from the standpoint of strictly judging the implementation of laws, which in turn raises concerns of incomplete sales. This was particularly the case in the conventional mobile subscription system.

In the conventional mobile subscription system, the legal obligations are structured by storing the insurance contract document in the server storage and sending a message in the form of an LMS with a URL link to access the insurance contract document through the mobile phone of the policy holder. It was the notion that policyholders could consider receiving the insurance contract document by clicking the link to access the insurance company server.

However, when the policyholder clicks the link address to access the insurance company server, the document is viewed on the screen of the mobile web page. Even if the policyholder has accessed the mobile web page with a device, whether the policyholder has read "really" (ie, whether it has been received). There was a problem that it was not possible to accurately "check" in the system of the insurance company. Whether it's because of an insurance agent who wants to sell a product or an insurance policyholder who wants to end the subscription as soon as possible, you can simply click a link without reading it in the process of rushing a contract. It cannot be prevented.

In addition, since both the party providing the link and the party receiving the link are parties to the contract, in the event of a legal dispute due to incomplete sales in the future, the insurance policyholder, the other party, has received only the log records of the insurance company's server system, which is one party. There were also problems that were difficult to prove.

The inventors of the present invention have made research efforts to develop a system that can technically perfectly implement the obligation to confirm receipt of an insurance company pursuant to Article 43, Paragraph 4, No. 3 of the Insurance Business Enforcement Decree, while solving the above problems. It came to completion.

An object of the present invention is to systematically and completely implement the obligation to confirm receipt of insurance contract documents of insurance companies prescribed by the Enforcement Decree of the Insurance Business Act.

In addition, another object of the present invention is to provide objective evidence systematically in case a legal dispute arises over "whether or not the insurance contract document has been received" after an insurance contract.

In addition, until now, the related obligations have been resolved by sending a link to the insurance company's web page to the policyholder, but since it provides a link to access the insurance company's server, there is a limit that must be used only in the insurance company's system. . Therefore, it was not an objective proof of receipt. Another object of the present invention is to provide a receipt confirmation system that can be used universally by various insurance companies.

Meanwhile, other objects that are not specified of the present invention will be additionally considered within a range that can be easily deduced from the detailed description and effects thereof below.

In order to achieve the above object, the first aspect of the present invention is a method of guaranteeing the downloading and reading of the insurance contract document after the insurance contract is completed:

When the insurance company server transmits the request for sending the insurance contract document to the service server exclusively for receipt confirmation and transmits the document access URL for the insurance contract document posted on the web page of the insurance company server to the service server exclusively for receipt confirmation, the receipt The verification-only service server generates a dynamic link that matches the document access URL on a one-to-one basis and transmits it to the insurance company server, the insurance company server transmits the dynamic link to the policyholder mobile terminal, and the mobile terminal generates the dynamic link. When the link is clicked, a process of installing a dedicated mobile application software for confirmation of receipt proceeds to the mobile terminal, and while the mobile application software dedicated for confirmation of receipt is running, the mobile terminal communicates with the reception confirmation dedicated service server to the dynamic link. The document access URL is extracted from, and when the mobile terminal clicks the document access URL, the insurance company server downloads the insurance contract document to the mobile terminal through the mobile application software dedicated to the receipt confirmation, and the insurance contract When the document is downloaded, the receipt confirmation dedicated service server stores the document download feedback and transmits the first feedback to the insurance company server, and when the mobile terminal reads the insurance contract document on the application screen, the receipt confirmation dedicated service And storing, by the server, the document viewing feedback, and transmitting the second feedback to the insurance company server.

In the method of guaranteeing downloading and viewing of insurance contract documents after completion of insurance contract according to a preferred embodiment of the present invention, the insurance company servers are registered in advance as N (N is an integer of 1 or more) number of insurance company servers, When transmitting the request for sending the insurance contract document to the service server dedicated to the receipt confirmation, it is preferable to transmit the insurance company ID together.

The second aspect of the present invention is a method of guaranteeing downloading and viewing of insurance contract documents after completion of the insurance contract:

When the insurance company server transmits the insurance contract document sending request to the receipt confirmation dedicated service server, and transmits the document access URL for the insurance contract document posted on the insurance company server's web page to the receipt confirmation dedicated service server,

The receipt confirmation dedicated service server generates a dynamic link matching the document access URL on a one-to-one basis and transmits it to the insurance company server,

When the insurance company server transmits the dynamic link to the policyholder's mobile terminal, when the mobile terminal clicks the dynamic link, the document access URL is displayed in the dynamic link on the application screen executed by executing a mobile application software exclusively for receipt confirmation. To be extracted,

When the mobile terminal clicks the document access URL, the insurance company server downloads the insurance contract document to the mobile terminal through the receipt confirmation dedicated mobile application software, and when the insurance contract document is downloaded, the receipt confirmation dedicated service server Stores the document download feedback and forwards this first feedback to the insurance company server,

And when the mobile terminal inquires the insurance contract document on the application screen, the receipt confirmation dedicated service server stores the document viewing feedback, and transmits the second feedback to the insurance company server.

In a method for guaranteeing downloading and viewing of insurance contract documents after completion of an insurance contract according to a preferred embodiment of the present invention, a pre-determined identity verification process before downloading the insurance contract document by executing the mobile application software dedicated to the receipt confirmation It is good to further include the step of executing.

The third aspect of the present invention is a system that guarantees downloading and viewing of insurance contract documents after completion of the insurance contract:

An insurance company server that creates, manages, and stores insurance contract documents, and sends a message to the customer's mobile phone to request download and viewing of insurance contract documents,

A mobile terminal on which a dedicated mobile application software for receipt confirmation is installed; And

Receives a document access URL for the insurance contract document from the insurance company server, generates a dynamic link matching this document access URL on a one-to-one basis, and transmits it to the insurance company server, through the dynamic link, a dedicated mobile application for confirming the receipt When the software is executed and communication with the mobile terminal is initiated, when a download event of the insurance contract document is generated in the mobile terminal, a document download feedback is stored and transmitted to the insurance company server, and the insurance contract document is transmitted from the mobile terminal. It characterized in that it includes a receipt confirmation dedicated service server for storing the document reading feedback when the reading event of is generated and transmitting it to the insurance company server.

The excellent effect of the present invention is that the risk of controversy of incomplete sales due to the negligence of the obligation to confirm receipt is completely eliminated by systematically completing the execution of the insurance company's obligations regarding whether the policyholder prescribed by the Insurance Act Enforcement Decree has correctly received the insurance contract document. have.

Through the system and process of the present invention, it is possible to convey to the insurance company when the policyholder saved and viewed the insurance contract document with accurate time and clear evidence.

In addition, since the service exclusively for receipt confirmation can be technically standardized, it is possible to prevent wasted development of preparing technical measures for each individual insurance company separately.

In addition, the present invention has the advantage that it is possible to directly link to the insurance company system, since it is only necessary to link it with a service dedicated to receipt confirmation, not modify the existing system of the insurance company.

Above all, since the insurance contract document can be accurately delivered to the customer, cancellation and cancellation caused by civil complaints, complaints, incomplete sales, and various social cost reductions resulting from this can be prevented. It's a dazzling effect.

On the other hand, even if it is an effect not explicitly mentioned herein, it is added that the effect described in the following specification and its provisional effect expected by the technical features of the present invention are treated as described in the specification of the present invention.

1 is an illustration that impressively shows the problem consciousness of the present invention.
2 is a diagram showing a system configuration according to a preferred embodiment of the present invention.
3 shows an example of the configuration of an insurance company server 200 according to an embodiment of the present invention.
4 is a diagram schematically showing the entire process according to a preferred embodiment of the present invention.
5 schematically shows an example of a module configuration of a mobile application software for receipt confirmation installed in the mobile terminal 1.
※ The accompanying drawings reveal that they are exemplified by reference for an understanding of the technical idea of the present invention, and the scope of the present invention is not limited thereto.

Hereinafter, a configuration of the present invention guided by various embodiments of the present invention and effects resulting from the configuration will be described with reference to the drawings. In describing the present invention, when it is determined that the subject matter of the present invention may be unnecessarily obscured as matters obvious to those skilled in the art with respect to known functions related to the present invention, a detailed description thereof will be omitted.

1 is an illustration that impressively expresses one of the problem consciousness of the present invention. This illustration shows a case in which a legal dispute arises due to the issue of incomplete sales, saying that the policyholder did not properly view the insurance contract document. Or it could be a picture showing a case where the public agency overseeing the insurance company's system conducts a system audit.

The investigator or judge will investigate whether the insurance company correctly confirms whether the policyholder has properly received the documents after subscribing and whether the policyholder has read the insurance contract documents. In the prior art, as described above, the link to the web page of the server storage in which the insurance contract document is stored was only sent. It relies on the experience that if someone clicks a link, they will see the link's destination page, but with such empirical reasoning alone, it is difficult to impeach a plea that the person did not actually see the destination page, even if the link was clicked somehow. Therefore, the present invention seeks to overcome the limitations of such prior art.

2 schematically shows an improved system configuration of the present invention. A dedicated service server 100 for confirmation of receipt is included. In addition, the insurance policyholder mobile terminal 1 is systematically linked with the service server 100 dedicated to confirmation of receipt. In addition, N (N is an integer greater than or equal to 1) insurance company servers 200 are involved, and this insurance company server 200 is through the mobile terminal 1 through a systemic mediation with a dedicated service server 100 for confirmation of receipt. Execute the receipt confirmation process.

The receipt confirmation dedicated service server 100 includes one or more server devices. In addition, the server device is composed of hardware/software equipment of Hana Asing.

The dedicated service server 100 for confirming receipt registers the ID of the insurance company server 200 in a database in connection with the insurance company server 200 in advance. In addition, a dynamic link matching one-to-one with the insurance contract document access URL transmitted from the insurance company server 200 is generated and transmitted to the insurance company server 200.

The receipt confirmation dedicated service server 100 communicates with the mobile terminal 1 through execution of the receipt confirmation dedicated mobile application software 10 installed in the mobile terminal 1, and manages the application to operate according to a set rule. .

In addition, the dedicated service server 100 for confirming receipt may have a plurality of databases. The database 110 may store feedback data related to receipt confirmation. Such data includes data on records that the policyholder has downloaded documents and data on records that the policyholder has viewed the documents. The database 120 may store information on insurance companies that have subscribed to the receipt confirmation service of the present invention. Information such as insurance company name, ID, and document type can be stored. Of course, various databases with various other functions can be added.

The mobile terminal 1 communicates with the receipt confirmation dedicated service server 100 by executing the receipt confirmation dedicated mobile application software 10. In addition, it is possible to access the document system of the insurance company server 200 through the screen on which the application is executed.

Each of the N insurance company servers 200 manages an independent insurance company system. It includes one or more server devices, and each server device is composed of one or more hardware/software equipment.

These insurance company servers 200 communicate with the service server 100 for exclusive use of receipt confirmation to request a receipt confirmation process of the insurance contract document to receive receipt confirmation feedback. In addition, it communicates with the mobile terminal 1 to provide an insurance contract document to be received by the policyholder.

3 shows the internal system of such an insurance company server 200 in more detail and by way of example.

The process of the present invention starts when an insurance subscription (preferably means a mobile insurance subscription) is completed and an insurance contract document is generated. This is because the insurance company is obligated to confirm receipt in accordance with Article 43, Paragraph 4, No. 3 of the Insurance Business Enforcement Ordinance, and the receipt confirmation process begins with that obligation.

Therefore, it starts with the subscription system 210 that executes the insurance subscription process. When the subscription system 210 starts the receipt confirmation process in the insurance company server system, the document management server 240 has already created and stored an electronic document of the subscription document and terms and conditions with the insurance policyholder. In addition, a document access URL for downloading and/or viewing the insurance contract document may be generated.

The subscription system 210 requests the LMS sending system 220 to deliver the insurance contract document to the policyholder. Then, the LMS sending system requests the external system 230 to transmit the document access URL to the dedicated service server 100 for confirmation of receipt. In addition, the external system 230 may request that the service server 100, which is an external system of the insurance company, generate a dynamic URL matching the document access URL and transmit the link to the mobile terminal.

The processing gateway 250 receives the receipt confirmation feedback transmitted from the receipt confirmation dedicated service server 100 and transmits the feedback to the processing server 260. The processing server 260 stores and processes the receipt confirmation feedback in the database 270.

Now, the overall process of the method of guaranteeing the downloading and inquiry of the insurance contract document after completion of the insurance contract according to a preferred embodiment of the present invention is schematically shown. It is added that some detailed technical contents may be variously modified during the system construction process, and thus have been omitted for convenience of explanation.

After the insurance contract is completed, the insurance company server 200 starts the process. The insurance company server 200 generates an insurance contract document sending request and transmits the request to a receipt confirmation dedicated service server 100 (hereinafter, abbreviated as "service server") (S100).

Sending an insurance contract document sending request does not mean sending the actual document file. While executing step S100, preferably, the insurance company server 200 transmits to the service server 100 parameters necessary for executing a process predetermined by the service server 100. Such parameters include the insurance company ID to identify the insurance company, the document access URL to access the web page containing the insurance contract document, the URL to receive receipt confirmation feedback, and the document type.

The service server creates a dynamic link (S110). This dynamic link matches the document access URL on a one-to-one basis, and is a link that calls a mobile application dedicated to receipt confirmation managed by the service server. This configuration of changing the original URL to a new URL instead of using the original URL is beneficial in effectively preventing information theft such as hacking.

The service server transmits the dynamic link to the insurance company server 200 (S120). The insurance company server 200 transmits a text message including this dynamic link to the insurance policyholder mobile terminal 1 (S130).

The insurance policyholder mobile terminal 1 clicks a link in the received text message (S200). This link click event invokes a mobile application dedicated to acknowledgment of receipt. If this application is not installed on the mobile terminal 1, the application is downloaded and installed by connecting to the app store platform. Run the installed application and enter the application screen. If the application is already installed, the application is launched.

The mobile terminal 1 requests receipt of an insurance contract document according to the guidance of the application screen (S210). Preferably, a predetermined user authentication may be performed before or during the execution of step S210. User authentication can use various known authentication means such as biometric authentication and mobile phone authentication.

The service server 100 transmits the original URL for the web page where the insurance contract document is located, that is, the document access URL to the mobile terminal 1 (S220).

Then, although not shown, the input means of the mobile terminal clicks the received document access URL, and accordingly accesses the page of the insurance company server 200 where the insurance contract document is located to download the insurance contract document (S230).

When such a document download event occurs, the mobile terminal 1 storing the insurance contract document transmits the document download feedback to the service server 100 through the application software (S140). Then, the service server 100 stores the document download feedback and transmits the first feedback to the insurance company server 200 (S150). It includes data on who (the policyholder), when (download time), and what (the insurance contract document) was downloaded to their mobile device. This first feedback guarantees that the specified policyholder has received the insurance contract document that has completed the insurance contract.

Next, the mobile terminal 1 reads the downloaded insurance contract document through a dedicated viewer (although it is expressed as the word “inquiry” in the drawing, the meaning is the same as the word “read”, meaning that the document is read). Reveals) (S240). The dedicated viewer is preferably a PDF viewer, but other types of viewers may be used as long as the user of the mobile terminal can read the downloaded insurance contract document.

The mobile terminal 1 generating such a document browsing event transmits the document browsing feedback to the service server 100 through the application software (S160). In addition, the service server 100 stores the document viewing feedback and transmits the second feedback to the insurance company server 200 (S170). It contains data on who (insurance contractor), when (review time), and what (insurance contract document) was viewed with the application's dedicated viewer. This second feedback guarantees that the specified policyholder has read the insurance contract document that has completed the insurance contract.

As a result, the insurance contract document was well delivered to the policyholder, and the insurance company fulfilled the obligation to confirm receipt and achieved a complete sale.

5 illustrates a schematic module configuration of a mobile application 10 dedicated to receipt confirmation according to a preferred embodiment of the present invention.

The mobile application for receipt confirmation 10 may include at least a document downloader 11, a document viewer 13, an authentication means 15, a message transmission/reception 17, and a user interface 19.

The document downloader 11 includes a function of automatically transmitting the document download feedback to the service server. In addition, the document viewer 13 includes a function of automatically transmitting the document reading feedback to the service server. These two components perform the most important functions and roles that define the characteristics of the mobile application 10 dedicated to receipt confirmation of the present invention.

On the other hand, various resources required for execution of an application and communication with a processor of a mobile terminal and various devices belong to a known factor.

For reference, the method of guaranteeing downloading and viewing of insurance contract documents in a mobile subscription after completion of an insurance contract according to an embodiment of the present invention is implemented in the form of program instructions that can be executed through various computer means, and is a computer-readable medium. Can be written to. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in computer software.

Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magnetic-optical media such as floptical disks, and ROM, RAM, A hardware device specially configured to store and execute program instructions such as flash memory or the like may be included. Examples of program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The above-described hardware device may be configured to operate as one or more software modules to perform the operation of the present invention, and vice versa.

The scope of protection of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is added once again that the scope of protection of the present invention may not be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

Claims (5)

As a method of guaranteeing downloading and viewing of insurance contract documents after completion of insurance contract:
When the insurance company server transmits the request for sending the insurance contract document to the service server exclusively for receipt confirmation and transmits the document access URL for the insurance contract document posted on the web page of the insurance company server to the service server exclusively for receipt confirmation, the receipt The verification dedicated service server generates a dynamic link that matches the document access URL on a one-to-one basis and transmits it to the insurance company server, the insurance company server transmits the dynamic link to the policyholder mobile terminal, and the mobile terminal When the link is clicked, a process of installing a dedicated mobile application software for confirmation of receipt proceeds to the mobile terminal, and while the mobile application software dedicated for confirmation of receipt is running, the mobile terminal communicates with the reception confirmation dedicated service server to the dynamic link. The document access URL is extracted from, and when the mobile terminal clicks the document access URL, the insurance company server downloads the insurance contract document to the mobile terminal through the mobile application software dedicated to the receipt confirmation, and the insurance contract When the document is downloaded, the receipt confirmation dedicated service server stores the document download feedback and transmits the first feedback to the insurance company server, and when the mobile terminal reads the insurance contract document on the application screen, the receipt confirmation dedicated service A method of guaranteeing downloading and viewing of an insurance contract document after completion of an insurance contract, comprising the step of: storing, by a server, a document viewing feedback, and transmitting the second feedback to the insurance company server.
The method of claim 1,
The insurance company server is pre-registered with N (N is an integer of 1 or more) number of insurance company servers, and when transmitting the insurance contract document sending request to the receipt confirmation dedicated service server, it transmits the insurance company ID together, A method of guaranteeing downloading and viewing of insurance contract documents after completion of insurance contract.
As a method of guaranteeing downloading and viewing of insurance contract documents after completion of insurance contract:
When the insurance company server transmits the insurance contract document sending request to the receipt confirmation dedicated service server, and transmits the document access URL for the insurance contract document posted on the insurance company server's web page to the receipt confirmation dedicated service server,
The receipt confirmation dedicated service server generates a dynamic link matching the document access URL on a one-to-one basis and transmits it to the insurance company server,
When the insurance company server transmits the dynamic link to the policyholder's mobile terminal, when the mobile terminal clicks the dynamic link, the document access URL is displayed in the dynamic link on the application screen executed by executing a mobile application software exclusively for receipt confirmation. To be extracted,
When the mobile terminal clicks the document access URL, the insurance company server downloads the insurance contract document to the mobile terminal through the receipt confirmation dedicated mobile application software, and when the insurance contract document is downloaded, the receipt confirmation dedicated service server Stores the document download feedback and forwards this first feedback to the insurance company server,
When the mobile terminal inquires the insurance contract document on the application screen, the receipt confirmation dedicated service server stores the document viewing feedback, and transmits the second feedback to the insurance company server, after completion of the insurance contract. How to guarantee downloading and viewing of insurance contract documents.
The method of claim 3,
A method of guaranteeing the downloading and viewing of the insurance contract document after completion of the insurance contract, further comprising the step of executing a predetermined identity verification process before downloading the insurance contract document by executing the mobile application software for confirmation of receipt.
As a system that guarantees downloading and viewing of insurance contract documents after completion of insurance contract:
An insurance company server that creates, manages, and stores insurance contract documents, and sends a message to the customer's mobile phone to request download and viewing of insurance contract documents,
A mobile terminal on which a dedicated mobile application software for receipt confirmation is installed; And
Receives a document access URL for the insurance contract document from the insurance company server, generates a dynamic link matching this document access URL on a one-to-one basis, and transmits it to the insurance company server, through the dynamic link, a dedicated mobile application for confirming the receipt When the software is executed and communication with the mobile terminal is initiated, when a download event of the insurance contract document is generated in the mobile terminal, a document download feedback is stored and transmitted to the insurance company server, and the insurance contract document is transmitted from the mobile terminal. A system for ensuring the downloading and viewing of insurance contract documents after completion of the insurance contract, comprising a service server dedicated to confirming receipt of storing and transmitting the document viewing feedback to the insurance company server when the viewing event of is generated.

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