KR20220153145A - Device for signing insurance contract and method thereof - Google Patents

Abstract

The present invention relates to a device for concluding the insurance contract and an insurance contract concluding method. Based on insurance subscription confirmation information that the customer has been consulted in advance and recommended for subscription, efficient verification means may be provided so that contracts can be accurately signed without forgery or change, and it is possible to designate an appropriate insurance solicitor to support insurance contract conclusion services.

Description

Insurance contract conclusion device and insurance contract conclusion method {DEVICE FOR SIGNING INSURANCE CONTRACT AND METHOD THEREOF}

The present invention relates to a device for concluding an insurance contract and a method for concluding an insurance contract, and provides an efficient verification means so that the contract can be accurately concluded without forgery or change based on insurance confirmation information for which a customer has been consulted in advance and recommended to subscribe, It relates to an insurance contract conclusion device and an insurance contract conclusion method capable of designating an appropriate insurance planner to support insurance contract conclusion services.

In recent years, the number of planners affiliated with insurance agencies or insurance brokers has increased rapidly in the domestic insurance market, and insurance agencies and insurance brokers are becoming larger.

Insurance planners identify the customer's environment, financial situation and future plan, support financial and asset design suitable for the customer, and recommend solutions suitable for the customer, such as insurance products, funds, banking products, and loans.

To this end, insurance planners usually sign various insurance contracts face-to-face with customers, and directly receive consent or signatures from customers.

However, even if the customer concludes an insurance contract in this way, there are cases in which customer damage occurs due to the difference between the prior consultation information remembered by the customer and the contents of the insurance that has already been concluded.

In addition, in a situation where new insurance subscriptions for people who have recovered from COVID-19 are recently denied or postponed in many countries around the world, some small and medium-sized insurance companies in Korea have issued guidelines stating that they cannot purchase insurance until at least one year after being cured of COVID-19. The authorities announced that they plan to strictly supervise and guide insurance companies and insurance planners so that those who have recovered are not treated unfairly when purchasing insurance.

In addition, since insurance is a field in which terms and conditions are somewhat difficult for the general public, a systematic plan is required to prevent customers from being unfairly treated when purchasing insurance.

(Patent Document 0001) Republic of Korea Patent Publication No. 10-2021-0004910

(Patent Document 0002) Republic of Korea Patent Registration No. 10-1603725

The present invention has been devised to solve the conventional problem, and the present invention provides an efficient verification means so that customers can accurately sign up without forgery or change when actually signing up for an insurance that has been consulted in advance and is recommended for subscription. In addition, it is intended to provide an insurance contract conclusion device and an insurance contract conclusion method that can designate an appropriate insurance planner to help conclude an insurance contract.

An apparatus for concluding an insurance contract according to an embodiment of the present invention includes an insurance subscription confirmation information reception unit for receiving insurance subscription confirmation information of a customer for an insurance product for which prior consultation and subscription is recommended, and information on the received insurance subscription confirmation information. A conclusion service support request generation unit that transmits a conclusion service support request to an insurance solicitor terminal, an insurance solicitor designation unit that designates at least one insurance solicitor terminal that has transmitted an acceptance signal to the conclusion service support request, and the insurance solicitor terminal and a subscription result receiver receiving a report on final subscription result information for the insurance subscription confirmation information.

An insurance contract conclusion method according to an embodiment of the present invention includes the steps of receiving insurance subscription confirmation information of a customer for an insurance product recommended for prior consultation and subscription by an insurance contract conclusion device, and the received insurance subscription confirmation information. Sending a request for signing service support to an insurance solicitor terminal, specifying at least one insurance solicitor terminal that has transmitted an acceptance signal to the signing service support request, and receiving information from the insurance solicitor terminal about the insurance subscription confirmation and receiving a report on final subscription result information.

According to the device for concluding an insurance contract and the method for concluding an insurance contract according to an embodiment of the present invention as described above, insurance so that customers can subscribe to insurance without forgery or change when actually subscribing to an insurance that has been consulted in advance and is recommended to subscribe to. Subscription confirmation information can be verified.

In addition, according to the insurance contract conclusion device and insurance contract conclusion method according to an embodiment of the present invention, it is possible to designate an appropriate insurance solicitor who helps conclude an insurance contract according to various conditions.

In addition, according to the insurance contract conclusion device and insurance contract conclusion method according to an embodiment of the present invention, information on the performance and trust of insurance solicitors is recorded and managed so that insurance solicitors can make unfair or unfavorable insurance contracts to customers. It is possible to achieve success or prevent the occurrence of damage caused by falsehood or fraud.

In addition, according to the insurance contract conclusion device and insurance contract conclusion method according to an embodiment of the present invention, when a patient with a specific disease history subscribes to private insurance, it is possible to prevent unfair treatment.

1 is a block diagram showing a system for entering into an insurance contract according to the present invention.
2 is a block diagram showing the configuration of an insurance contract conclusion device according to the present invention.
3 illustrates an example of displaying information on designated insurance solicitors on a customer terminal.
4 shows an example of an execution screen of a customer terminal matched with an insurance solicitor according to an embodiment of the present invention.
5 illustrates an example of an execution screen for inputting a final insurance subscription result through an insurance solicitor terminal according to an embodiment of the present invention.
6 is a flowchart illustrating a method of signing an insurance contract according to the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to clarify the technical spirit of the present invention. In describing the present invention, if it is determined that a detailed description of a related known function or component may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Elements having substantially the same functional configuration in the drawings are assigned the same reference numerals and reference numerals as much as possible, even though they are displayed on different drawings. For convenience of description, the device and method are described together if necessary.

1 is a block diagram showing a system for entering into an insurance contract according to the present invention.

As shown in FIG. 1 , the insurance contract conclusion system according to the present invention includes a customer terminal 100 , an insurance contract conclusion device 200 and an insurance solicitor terminal 300 .

The customer terminal 100 may be a terminal of a customer who wishes to purchase insurance according to insurance information recommending prior consultation and subscription for an insurance product online or offline.

The customer terminal 100 may store an application performing a service function for supporting the insurance contract conclusion system of the present invention in a memory, and load and execute the application through a processor.

The customer terminal 100 may be any user device including a memory and a processor, including a communication function for transmitting and receiving data by accessing the communication network 400 and a function for registering and analyzing data. For example, the customer terminal 100 may be equipped with a smartphone or tablet PC having a function of obtaining location information and a function of downloading and executing an app.

The customer terminal 100 may generate insurance subscription confirmation information of the customer based on insurance information recommending prior consultation and subscription, and transmit it to the device 200 for signing an insurance contract through a confirmation procedure including a signature from the customer. have. In addition, the customer terminal 100 may store prior consultation and subscription recommendation information provided to the customer through online or offline.

As an embodiment, when a customer accesses an insurance company's homepage and is recommended online for pre-consultation and subscription for an insurance product through a chatbot or the like, the customer terminal 100 provides insurance subscription confirmation information through the server can be received and stored.

As an embodiment, when a customer directly faces an insurance solicitor and receives prior consultation and subscription recommendation on an insurance product, an electronic document or image file including information on prior consultation on an insurance product and subscription recommendation from the insurance solicitor's terminal , voice files and video files can be received and stored.

Alternatively, the customer terminal 100 may store a video file, an image file, a voice file recorded directly, and an electronic document directly created regarding the information regarding prior consultation and subscription recommendation provided by the insurance planner for insurance products. In addition, the insurance solicitor's prior consultation and subscription recommendation information for insurance products includes the insurance solicitor's signature and the customer's signature, thereby preventing counterfeiting. Here, the signature may be at least one of a handwritten signature, an electronic signature, and biometric authentication information.

The device 200 for concluding an insurance contract is a component for verifying insurance subscription confirmation information so that a customer can accurately sign up for an insurance product that has been consulted in advance and recommended for subscription when actually signing up without forgery or change. In addition, the insurance contract conclusion device 200 is a component for designating an appropriate insurance solicitor to support the insurance contract conclusion service.

2 is a block diagram showing the configuration of an apparatus 200 for entering into an insurance contract.

As shown in FIG. 2, the insurance contract conclusion device 200 includes an insurance subscription confirmation information receiving unit 210, a signing service support request generating unit 220, an insurance solicitor designation unit 230, and a subscription result receiving unit 240. and an insurance subscription review unit 250 .

The insurance subscription confirmation information reception unit 210 may receive insurance subscription confirmation information of a customer for an insurance product recommended for prior consultation and subscription. Insurance subscription confirmation information may be received from the customer terminal 100 or insurance subscription confirmation information may be received from the terminal of the insurance planner.

The conclusion service support request generating unit 220 may transmit a conclusion service support request for the received insurance subscription confirmation information to a third insurance solicitor terminal. Here, the third insurance solicitor refers to those registered with the Financial Services Commission as a person belonging to an insurance agency or insurance broker and brokering the conclusion of an insurance contract, and may belong to at least one of several insurance agencies and insurance brokers. .

The request for signing service support is to confirm with third-party insurance planners whether the contents of the customer's pre-consultation on insurance products and the subscription recommendation match the contents of the insurance subscription confirmation information that the customer actually wants to sign up for, and request signing service support. It can be said that it is a signal that

The insurance solicitor designation unit 230 may designate at least one third insurance solicitor terminal that has transmitted an acceptance signal to the contract service support request. At this time, the insurance solicitor designation unit 230 may designate an insurance solicitor terminal that meets a predetermined selection condition among the third insurance solicitor terminals that have transmitted the acceptance signal. The selection condition may be set based on at least one of insurance planner's business trip cost information, separation distance information from the customer, insurance product type information, and disease history information of the customer.

In one embodiment, the insurance solicitor designation unit 230 transmits an acceptance signal and may adjust the designated order according to the business trip cost suggested by the insurance solicitor.

Specifically, a plurality of third insurance solicitor terminals receive a request for signing service support, and insurance solicitors willing to respond to the request for signing service support may transmit an acceptance signal to the device 200 for signing an insurance contract through the terminal. . At this time, it is possible to present a travel cost in return for visiting the customer and verifying insurance subscription confirmation information. For example, it may be a travel cost obtained by adding an amount that the insurance solicitor intends to add to a predetermined basic amount. In order to reduce management costs, the insurance planner designation unit 230 may increase the designation order in order of travel expenses suggested by insurance planners.

As an embodiment, the insurance solicitor designation unit 230 may adjust the designation order based on information on the separation distance between the terminal of the insurance solicitor and the customer terminal 100 in response to the request for support of the signing service. Specifically, the insurance solicitor designation unit 230 determines when the insurance solicitor arrives at the customer based on the distance between the area where the insurance solicitor terminal that has transmitted the acceptance signal is located and the location of the customer terminal 100 and the information on the means of transportation of the insurance solicitor. It is possible to calculate the possible expected arrival time, and increase the designation ranking of the insurance solicitor in the order of the calculated expected arrival time.

As an example, the insurance solicitor designation unit 230 may increase the insurance solicitor's designation rank as the insurance specialty area handled by the insurance solicitor responding to the request for contract service support is similar to the type of insurance product the customer intends to subscribe to. For example, types of insurance products may include fire insurance, cancer insurance, whole life insurance, automobile insurance, trade receivables insurance, and the like.

In one embodiment, if the customer's disease history includes a specific disease to be managed by the government authorities, the insurance solicitor designation unit 230 is a terminal of an insurance solicitor with certain qualifications to supervise insurance related to the specific disease. can be specified.

For example, in a situation where new insurance subscriptions for people who have recovered from COVID-19 are recently denied or suspended in many countries around the world, some small and medium-sized insurance companies in Korea have issued guidelines stating that they cannot purchase insurance until at least one year after being cured of COVID-19. In response, the financial authorities announced that they will strictly supervise and guide insurance companies and insurance agents so that those who have recovered from being unfairly treated when purchasing insurance. It is possible to designate an insurance solicitor with qualifications that can be verified and handled so that there is no disadvantage to the customer.

In addition, the insurance solicitor designation unit 230 may provide the customer terminal 100 with information about insurance solicitors designated by rank according to at least one selection condition described above. FIG. 3 illustrates an example of displaying information on designated insurance solicitors on the customer terminal 100 in the insurance contract conclusion device 200 .

In one embodiment, when there are a plurality of designated insurance solicitors, the device for signing an insurance contract 200 may output at least one information of a credit rating score and a review rating for each insurance solicitor through the customer terminal 100, In addition, information on the location of the relevant insurance planner and professional counseling can be introduced. The selection of at least one insurance solicitor is received from the customer through the customer terminal 100, and the insurance subscription confirmation information of the customer and the location information of the customer terminal 100 can be transmitted and guided to the terminal 300 of the selected insurance solicitor. .

Here, the credit score for the insurance planner may be managed based on the contract completion rate for a certain period of time and the contract maintenance rate information for a certain period of time. Reviews of insurance solicitors may be managed based on customer evaluation information after completion of an insurance subscription contract. In this way, by recording and managing information on the performance and trust of insurance solicitors, it can help prevent insurance solicitors from concluding unfair or unfavorable insurance contracts with customers or causing damage through falsehood or fraud. .

4 shows an example of an execution screen of a customer terminal matched with an insurance solicitor according to an embodiment of the present invention. Referring to FIG. 4 , the customer terminal 100 may check basic information of the matched insurance solicitor, and input and set an appointment time for the insurance solicitor to visit the customer. In addition, it can be seen that the insurance solicitor can confirm the insurance subscription confirmation information and bring prior consultation and subscription recommendation information to be provided to support the conclusion service. Of course, as described above, the insurance solicitor terminal 300 also transmits the customer's insurance subscription confirmation information from the insurance contract conclusion device 200.

Accordingly, the insurance solicitor terminal 300 determines whether the insurance subscription confirmation information received from the insurance contract conclusion device 200 is the same as the preliminary consultation and subscription recommendation information stored in the customer terminal 100 and the final subscription result information. may be transmitted to the subscription result receiver 240.

As shown in FIG. 5 , the final subscription result information may include information such as guarantee item, subscription cost, contract period, policyholder, insured person, and beneficiary.

The insurance subscription review unit 250 may determine whether to approve the customer's insurance subscription review according to the received final subscription result information.

As an embodiment, when the insurance solicitor terminal 300 receives a review result of whether the information stored in the customer terminal 100 for pre-consultation and subscription recommendation and the insurance subscription confirmation information and the final subscription result information are received, You can proceed with contracts for insurance products.

Conversely, when the device 200 for concluding an insurance contract receives a confirmation result from the insurance solicitor terminal 300 that the pre-consultation and subscription recommendation information stored in the customer terminal 100 is different from the insurance subscription confirmation information or a non-subscription result, You can suspend the subscription contract for the insurance product.

Meanwhile, at the request of the customer terminal 100, a process of requesting support for a contraction service may be repeatedly performed. In one embodiment, the customer terminal 100 sequentially selects an insurance solicitor based on a list of insurance solicitors output based on at least one numerical value of a credit rating score and a review score, and pre-consults oneself through a plurality of insurance solicitors. And after verifying again whether the subscription recommendation information and the insurance subscription confirmation information are the same, the conclusion service can be finally supported.

In addition, in the present invention, the customer terminal 100 and the device 200 for signing an insurance contract record encrypted information including insurance subscription confirmation information and electronic securities information in a block and connect a plurality of blocks in a chain form to ensure integrity. By constructing a blockchain network based on smart contracts while verifying, it is possible to prevent forgery and alteration of various information related to insurance subscription, and to guarantee the objectivity of insurance contracts.

6 is a flowchart illustrating a method of signing an insurance contract according to the present invention.

Referring to FIG. 6 , in the method for concluding an insurance contract according to the present invention, first, the customer's insurance subscription confirmation information for the insurance product recommended for pre-consultation and subscription may be received (S110). As an embodiment, insurance subscription confirmation information may be received from a customer terminal or insurance subscription confirmation information may be received from an insurance planner's terminal.

A request for signing service support for the received insurance subscription confirmation information may be sent to the insurance solicitor terminal (S120). Here, the third insurance solicitor refers to those registered with the Financial Services Commission as a person belonging to an insurance agency or insurance broker and brokering the conclusion of an insurance contract, and may belong to at least one of several insurance agencies and insurance brokers. .

The request for signing service support is to confirm with third-party insurance planners whether the contents of the customer's pre-consultation on insurance products and the subscription recommendation match the contents of the insurance subscription confirmation information that the customer actually wants to sign up for, and request signing service support. It can be said that it is a signal that

Next, the insurance solicitor terminal that has transmitted the acceptance signal in response to the contract service support request can be designated (S130). At this time, among the third insurance solicitor terminals that have transmitted the acceptance signal, an insurance solicitor terminal that meets a preset selection condition may be designated. The selection condition may be set based on at least one of insurance planner's business trip cost information, separation distance information from the customer, insurance product type information, and disease history information of the customer.

In one embodiment, an acceptance signal may be transmitted and the designation order may be adjusted according to the business trip cost suggested by the insurance planner.

Specifically, a plurality of third insurance solicitor terminals receive a contract service support request, and insurance solicitors willing to respond to the contract service support request may transmit an acceptance signal to an insurance contract conclusion device through the terminal. At this time, it is possible to visit the customer, verify the insurance subscription confirmation information, and present the travel expenses in exchange for supporting the conclusion. .

Devices for concluding insurance contracts can be ranked in the order of lowest business trip costs suggested by insurance planners in order to reduce management costs.

As an embodiment, the designation order may be adjusted based on distance information between the terminal of the insurance solicitor and the customer terminal in response to the request for support of the signing service. Specifically, based on the distance between the area where the insurance solicitor terminal transmitting the acceptance signal is located and the location of the customer terminal and the information on the means of transportation of the insurance solicitor, the expected arrival time at which the insurance solicitor can arrive at the customer is calculated, The insurance solicitor's designation ranking can be increased in the order of the expected arrival time.

In one embodiment, the insurance solicitor's designation ranking may be increased as the specialized area of insurance handled by the insurance solicitor in response to the request for contract service support is similar to the type of insurance product that the customer intends to subscribe to. For example, types of insurance products may include fire insurance, cancer insurance, whole life insurance, automobile insurance, trade receivables insurance, and the like.

As an example, when the customer's disease history includes a specific disease that is to be managed by the government authorities, a terminal of an insurance solicitor having a certain qualification may be designated to supervise insurance related to the specific disease.

For example, in a situation where new insurance subscriptions for people who have recovered from COVID-19 are recently denied or suspended in many countries around the world, some small and medium-sized insurance companies in Korea have issued guidelines stating that they cannot purchase insurance until at least one year after being cured of COVID-19. In response, the financial authorities announced that they will strictly supervise and guide insurance companies and insurance agents so that those who have recovered from being unfairly treated when purchasing insurance. It is possible to designate an insurance planner with qualifications that can be verified and handled so that customers do not suffer disadvantages.

In addition, information on insurance solicitors designated by rank according to the above-described at least one selection condition may be provided to the customer terminal.

As an embodiment, when there are a plurality of designated insurance solicitors, at least one information of a credit rating score and a review rating for each insurance solicitor may be output through a customer terminal, in addition to location information and professional insurance related to the insurance solicitor. Counseling can also be introduced. Selection of at least one insurance solicitor may be received from the customer through the customer terminal.

In this way, the customer's insurance subscription confirmation information and location information of the customer's terminal may be transmitted and guided to the terminal of the selected insurance planner (S140).

Here, the credit score for the insurance planner may be managed based on the contract completion rate for a certain period of time and the contract maintenance rate information for a certain period of time. Reviews of insurance solicitors may be managed based on customer evaluation information after completion of an insurance subscription contract. In this way, by recording and managing information on the performance and trust of insurance solicitors, it can help insurance solicitors to prevent insurance agents from concluding unfair or unfavorable insurance contracts with customers or causing damage through falsehood or fraud.

Next, final subscription result information is received from the insurance solicitor (S150), and based on the received result, it is possible to determine whether or not to proceed with the contract for the corresponding insurance product.

As an embodiment, when final subscription result information indicating that the information of prior consultation and subscription recommendation is the same as the customer's insurance subscription confirmation information is received from the insurance solicitor's terminal, the contract for the corresponding insurance product can be normally proceeded.

Conversely, when a confirmation result indicating that the information for pre-consultation and subscription recommendation is different from the insurance subscription confirmation information or a result of non-subscription is received from the insurance solicitor terminal, the subscription contract for the corresponding insurance product may be stopped.

Meanwhile, at the request of the customer terminal, the contraction service support request process may be repeatedly performed. In one embodiment, the customer terminal sequentially selects insurance solicitors based on a list of insurance solicitors output based on at least one numerical value of a credit score and a review score, and recommends their own prior consultation and subscription through a plurality of insurance solicitors. It is possible to verify again whether the information and insurance subscription confirmation information are identical.

In addition, in the present invention, the customer terminal 100 and the device 200 for signing an insurance contract record encrypted information including insurance subscription confirmation information and electronic securities information in a block and connect a plurality of blocks in a chain form to ensure integrity. By constructing a blockchain network based on smart contracts while verifying, it is possible to prevent forgery and alteration of various information related to insurance subscription, and to guarantee the objectivity of insurance contracts.

According to the apparatus for concluding an insurance contract and the method for concluding an insurance contract according to an embodiment of the present invention as described above, when a customer actually subscribes to an insurance for which he/she has been consulted in advance and is recommended to subscribe, he/she can subscribe without forgery or change.

In addition, according to the insurance contract conclusion device and insurance contract conclusion method according to an embodiment of the present invention, it is possible to designate an appropriate insurance solicitor who helps conclude an insurance contract according to various conditions.

In addition, according to the device for concluding an insurance contract and the method for concluding an insurance contract according to an embodiment of the present invention, it is possible to enable an insurance policyholder to accurately recognize a product and sign a contract.

In addition, according to the insurance contract conclusion device and insurance contract conclusion method according to an embodiment of the present invention, when a patient with a specific disease history subscribes to private insurance, it is possible to prevent unfair treatment.

The method and server according to the present invention may be driven by instructions that cause one or more processors to perform the functions and processors described above.

For example, such instructions may include interpreted instructions, such as script instructions such as JavaScript or ECMAScript instructions, or executable code or other instructions stored on a computer readable medium. Furthermore, the device according to the present invention may be implemented in a distributed manner over a network, such as a server farm, or may be implemented in a single computer device.

Although this specification and figures describe exemplary device configurations, implementations of the subject matter and functional operations described herein may be implemented in other types of digital electronic circuitry, or may be implemented in other types of digital electronic circuitry, or may include the structures disclosed herein and their structural equivalents. It may be implemented as computer software, firmware, or hardware, or a combination of one or more of them. Implementations of the subject matter described herein relate to one or more computer program products, that is to say computer program instructions encoded on a tangible program storage medium for execution by or for controlling the operation of an apparatus according to the present invention. It can be implemented as more than one module. A computer readable medium may be a machine readable storage device, a machine readable storage substrate, a memory device, a composition of matter that affects a machine readable propagating signal, or a combination of one or more of these.

Implementations of the subject matter described herein may include back-end components, such as, for example, data servers, or may include middleware components, such as, for example, application servers, or may include, for example, web browsers or graphical users through which users may interact with implementations of the subject matter described herein. It may be implemented in a computing system that includes a front-end component such as a client computer having an interface or any combination of one or more of such back-ends, middleware or front-end components. The components of the system are interconnectable by any form or medium of digital data communication, such as, for example, a communication network.

Although this specification contains many specific implementation details, they should not be construed as limiting on the scope of any invention or what is claimed, but rather as a description of features that may be unique to a particular embodiment of a particular invention. It should be understood. Certain features that are described in this specification in the context of separate embodiments may also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Further, while features may operate in particular combinations and are initially depicted as such claimed, one or more features from a claimed combination may in some cases be excluded from that combination, and the claimed combination is a subcombination. or sub-combination variations.

Similarly, while actions are depicted in the drawings in a particular order, it should not be construed as requiring that those actions be performed in the specific order shown or in the sequential order, or that all depicted actions must be performed to obtain desired results. In certain cases, multitasking and parallel processing can be advantageous. Further, the separation of various system components in the embodiments described above should not be understood as requiring such separation in all embodiments, and the program components and systems described may generally be integrated together into a single software product or packaged into multiple software products. You have to understand that you can.

Specific embodiments of the subject matter described herein have been described. Other embodiments are within the scope of the following claims. For example, the actions recited in the claims can be performed in a different order and still achieve desirable results. As an example, the processes depicted in the accompanying drawings do not necessarily require the specific depicted order or sequential order in order to obtain desirable results. In certain implementations, multitasking and parallel processing may be advantageous.

The present description presents the best mode of the invention and provides examples to illustrate the invention and to enable those skilled in the art to make and use the invention. The specification thus prepared does not limit the invention to the specific terms presented. Therefore, although the present invention has been described in detail with reference to the above-described examples, those skilled in the art may make alterations, changes, and modifications to the present examples without departing from the scope of the present invention.

Therefore, the scope of the present invention should not be determined by the described embodiments, but by the claims.

100: customer terminal
200: device for signing insurance contracts
300: insurance solicitor terminal
400: communication network

Claims (14)

An insurance subscription confirmation information reception unit that receives insurance subscription confirmation information of customers for insurance products recommended for prior consultation and subscription;
a contraction service support request generator for sending a contraction service support request for the received insurance subscription confirmation information to an insurance solicitor terminal;
an insurance solicitor designation unit that designates at least one insurance solicitor terminal that has transmitted an acceptance signal to the conclusion service support request; and
a subscription result receiver receiving a report of final subscription result information for the insurance subscription confirmation information from the insurance solicitor terminal;
Device for signing an insurance contract, characterized in that it comprises a. According to claim 1,
The apparatus for concluding an insurance contract according to the received final subscription result information, characterized in that it further comprises an insurance subscription review unit for determining whether or not to approve the insurance subscription review of the customer. According to claim 1,
The insurance solicitor designation department,
designating an insurance agent terminal that meets a preset selection condition among agent terminals that have transmitted the acceptance signal;
The selection conditions are:
A device for concluding an insurance contract, characterized in that it is set based on at least one of insurance planner's business trip cost information, distance information from customers, type information of insurance products, and specific disease history information of customers. According to claim 1,
The insurance solicitor designation department,
An apparatus for concluding an insurance contract, characterized in that for adjusting the designated order according to the travel expenses presented by the insurance solicitor. According to claim 1,
The insurance solicitor designation department,
An apparatus for concluding an insurance contract, characterized in that for adjusting the designation order according to the order of insurance solicitors located within a predetermined distance from the location of the customer. According to claim 1,
The insurance solicitor designation department,
An apparatus for concluding an insurance contract, characterized in that for adjusting the designated order according to the order of insurance solicitors dealing with insurance products similar in type to the customer's insurance subscription confirmation information. According to claim 1,
The insurance solicitor designation department,
When the customer's disease history includes a specific disease to be managed by the government authority, the insurance solicitor designates a terminal of a certain qualified insurance solicitor to supervise insurance related to the disease. device for. Receiving insurance subscription confirmation information of customers for insurance products recommended for prior consultation and subscription;
Sending a request for contract service support for the received insurance subscription confirmation information to an insurance solicitor terminal;
designating at least one insurance solicitor terminal that has transmitted an acceptance signal to the contract service support request; and
Receiving a report of final subscription result information for the insurance subscription confirmation information from the insurance solicitor terminal
An insurance contract conclusion method comprising a. According to claim 8,
The insurance contract conclusion method further comprising the step of determining whether to approve the customer's insurance subscription review according to the received final subscription result information. According to claim 8,
In the step of designating the insurance solicitor terminal,
Designating an insurance solicitor terminal that meets a predetermined selection condition among insurance solicitor terminals that have transmitted the acceptance signal;
The selection conditions are:
An insurance contract conclusion method characterized in that it is established based on at least one of business trip cost information, separation distance information from the customer, insurance product type information, and specific disease history information presented by the insurance planner. According to claim 10,
In the step of designating the insurance solicitor terminal,
An insurance contract conclusion method, characterized in that for adjusting the designated order according to the travel expenses presented by the insurance solicitor. According to claim 10,
In the step of designating the insurance solicitor terminal,
Insurance contract conclusion method, characterized in that for adjusting the designated order according to the ranking of insurance solicitors located within a predetermined distance from the location of the customer. According to claim 10,
In the step of designating the insurance solicitor terminal,
An insurance contract conclusion method characterized in that the priority is adjusted according to the priority of insurance solicitors dealing with insurance products similar in type to the customer's insurance subscription confirmation information. According to claim 10,
In the step of designating the insurance solicitor terminal,
When the customer's disease history includes a specific disease to be managed by the government authority, the insurance solicitor is a terminal of an insurance solicitor with certain qualifications to supervise insurance related to the disease.

Images