KR20230060428A - Block insurance processing server and block insurance processing method therefor - Google Patents

Abstract

In an aspect of the present disclosure, a block insurance processing server is electrically connected to a user terminal and a plurality of insurer servers, managed by each of a plurality of insurers, to provide a block insurance service. The block insurance processing server comprises: a block management unit which provides the user terminal with an insurance selection screen, capable of selecting one main insurance product among a plurality of main insurance products provided from the plurality of insurer servers and at least one sub-insurance product among a plurality of sub-insurance products interconnected to each the plurality of main insurance products, and generates a main block corresponding to the one main insurance product and at least one sub-block corresponding to the at least one sub-insurance product; an insurance combining unit which combines the main block with the at least one sub-block to generate an integrated insurance product; and a batch subscription unit which is interconnected to the plurality of insurer servers to perform a batch subscription operation for the integrated insurance product. The present invention can manage insurance products of different insurance companies by block, and enables batch subscription.

Description

Block insurance processing server and block insurance processing method {BLOCK INSURANCE PROCESSING SERVER AND BLOCK INSURANCE PROCESSING METHOD THEREFOR}

The present disclosure relates to a block insurance processing server and a block insurance processing method.

Insurance refers to an economic system in which a number of economic entities (subscribers) cooperate to raise a reasonably calculated amount in order to relieve the economic damage or burden caused by a certain risk or accident that occurs contingently. As an intermediary between multiple economic entities, insurance companies accumulate funds to provide economic benefits in preparation for contingencies and provide funds to policyholders in case of contingencies. An insurance contract is concluded between the subscriber and the insurance company. When the insurer presents a legitimate insurance application and the subscriber accepts it, the insurance contract is established.

On the other hand, since the insurance products provided by insurance companies are different for each insurance company, it is difficult for the subscriber to find the optimal insurance product for each insurance company. There are procedurally cumbersome problems. However, there is currently no system capable of integrating and managing insurance products for each insurance company.

Republic of Korea Patent Publication No. 10-2013-0065840 Republic of Korea Patent Publication No. 10-2012-0038905

Various examples of the present disclosure are intended to provide a block insurance processing server and a block insurance processing method capable of managing insurance products for each different insurance company in blocks and subscribing to them collectively.

The technical problems to be achieved in various examples of the present disclosure are not limited to those mentioned above, and other technical problems not mentioned above can be solved by those skilled in the art from various examples of the present disclosure to be described below. can be considered by

In one aspect of the present disclosure, a block insurance processing server electrically connected to a plurality of insurance company servers managed by a user terminal and a plurality of insurance companies to provide a block insurance service, comprising a plurality of main insurance companies provided from the plurality of insurance company servers. An insurance selection screen capable of selecting one main insurance product among insurance products and at least one sub insurance product among a plurality of sub insurance products linked to each of the plurality of main insurance products is provided to the user terminal, a block management unit generating a main block corresponding to an insurance product and at least one sub block corresponding to the at least one sub insurance product; an insurance combiner generating an integrated insurance product by combining the main block and the at least one sub block; and a block insurance processing server including a batch subscription unit that performs a batch subscription operation for the integrated insurance product in conjunction with the plurality of insurance company servers.

For example, further comprising a customer information management unit for receiving user information from the user terminal and storing it in a database of the server, wherein the block management unit stores a user persona set based on the user information in the database. In this case, the insurance selection screen is provided to the user terminal based on at least one customized insurance product corresponding to the persona among the plurality of main insurance products, and the one main insurance product is selected from the at least one customized insurance product. may be selected.

For example, when the block management unit receives insurance selection option information from the user terminal and the insurance selection option information indicates individual selection, the insurance selection screen displays the plurality of main insurance products and the plurality of sub-products. It is configured to list insurance products, and when the insurance selection option information indicates package selection, a bundle block insurance product in which the plurality of main insurance products and the plurality of sub insurance products are grouped by specific category is created, and the insurance selection is performed. The screen may be configured to list the package block insurance products.

For example, the batch subscription operation may include: providing a service usage consent screen for using the block insurance service to the user terminal; When receiving a consent message for using the block insurance service from the user terminal, providing an insurance product summary describing the integrated insurance product to the user terminal; A standard disclosure duty screen for inputting standard disclosure obligations for the integrated insurance product is provided to the user terminal, wherein the standard disclosure obligations are common disclosure obligations and the main block and the at least one sub block contain any relevant additional disclosure obligations; Providing a batch subscription input screen for receiving collective subscription processing information for the integrated insurance product to the user terminal; and when the batch subscription processing information is received from the user terminal, a block-by-block subscription electronic document for each of the main block and the at least one sub-block may be generated based on the batch subscription processing information.

For example, the collective subscription processing information may include at least one of document confirmation information related to the subscription electronic document, provisional writing information, consent information, and user signature information.

For example, the subscription electronic document may be generated based on mapping the batch subscription processing information to pre-stored subscription form documents for each block for each of the main block and the at least one sub-block.

For example, a premium proxy processing unit for proxy processing of integrated insurance premiums for the integrated insurance product with respect to the plurality of insurance company servers, wherein the insurance premium proxy processing unit calculates and guides integrated insurance premiums for the integrated insurance product, Provides the user terminal with an insurance premium agency processing screen capable of receiving insurance premium agency processing information for proxy processing of the integrated insurance premium, wherein the insurance premium agency processing information indicates whether or not the insurance premium agency processing consent and a return account for the integrated insurance premium information, and when the insurance premium agency processing information is received from the user terminal, the insurance company server may process the insurance premium for each of the main block and the at least one sub block based on the integrated insurance premium.

In another aspect of the present disclosure, a block insurance processing method provided by a block insurance processing server for providing a block insurance service by being electrically connected to a plurality of insurance company servers managed by a user terminal and a plurality of insurance companies, the plurality of An insurance selection screen capable of selecting one main insurance product among a plurality of main insurance products provided from the insurance company server and at least one sub insurance product among a plurality of sub insurance products interlocked with each of the plurality of main insurance products is displayed to the user. providing to the terminal; generating a main block corresponding to the one main insurance product and at least one sub block corresponding to the at least one sub insurance product; generating an integrated insurance product by combining the main block and the at least one sub block; and performing a collective subscription operation for the integrated insurance product in conjunction with the servers of the plurality of insurance companies.

For example, receiving insurance selection option information from the user terminal; configuring the insurance selection screen to list the plurality of main insurance products and the plurality of sub insurance products when the insurance selection option information indicates individual selection; and when the insurance selection option information indicates package selection, a package block insurance product in which the plurality of main insurance products and the plurality of sub insurance products are grouped by specific category is created, and the insurance selection screen displays the package block insurance product. It may further include the step of configuring to list.

For example, the collective subscription operation may include: providing a service usage agreement screen for using the block insurance service to the user terminal; providing an insurance product summary describing the integrated insurance product to the user terminal when receiving a consent message for using the block insurance service from the user terminal; Providing a standard duty-of-disclosure screen for inputting standard duty-of-disclosure matters for the integrated insurance product to the user terminal, wherein the standard duty-of-disclosure items include common duty-of-disclosure matters and the main block and the at least one sub-block contains additional disclosure obligations related to; providing a collective subscription input screen for receiving collective subscription processing information for the integrated insurance product to the user terminal; and generating block-by-block subscription electronic documents for each of the main block and the at least one sub-block based on the batch subscription processing information when the batch subscription processing information is received from the user terminal.

The various examples of the present disclosure described above are only some of the preferred examples of the present disclosure, and various examples in which the technical features of the various examples of the present disclosure are reflected are detailed descriptions to be detailed below by those of ordinary skill in the art. It can be derived and understood based on.

According to various examples of the present disclosure, the following effects are obtained.

According to various examples of the present disclosure, a block insurance processing server and a block insurance processing method capable of managing insurance products for each different insurance company in blocks and subscribing to them collectively may be provided.

Effects obtainable from various examples of the present disclosure are not limited to the effects mentioned above, and other effects not mentioned are clearly derived to those skilled in the art based on the detailed description below and can be understood.

The accompanying drawings are provided to aid understanding of various examples of the present disclosure, and provide various examples of the present disclosure together with detailed descriptions. However, technical features of various examples of the present disclosure are not limited to specific drawings, and features disclosed in each drawing may be combined with each other to form a new embodiment. Reference numerals in each figure mean structural elements.
1 illustrates a block insurance processing system according to an example of the present disclosure.
2 is a functional block diagram of a block insurance processing server according to an example of the present disclosure.
3A to 3C illustrate insurance selection screens according to various examples of the present disclosure.
4 illustrates an integrated insurance product according to an example of the present disclosure.
5a and 5b illustrate insurance product summaries.
6 shows a standard notification duty screen.
7A to 7E show collective subscription input screens.
8a and 8b illustrate insurance premium agency processing screens.
9 is a flowchart of a block insurance processing method according to an example of the present disclosure.
10 is a flowchart of a method of providing an insurance selection screen according to an example of the present disclosure.
11 is a flowchart of a batch subscription operation according to an example of the present disclosure.
12 is a flowchart of a block insurance processing method by a block insurance processing system according to an example of the present disclosure.

Hereinafter, implementations according to the present invention will be described in detail with reference to the accompanying drawings. The detailed description set forth below in conjunction with the accompanying drawings is intended to describe exemplary implementations of the invention, and is not intended to represent the only implementations in which the invention may be practiced. The following detailed description includes specific details for the purpose of providing a thorough understanding of the present invention. However, one skilled in the art recognizes that the present disclosure may be practiced without these specific details.

Since various examples according to the concept of the present invention can be made with various changes and have various forms, various examples will be illustrated in the drawings and described in detail in the present disclosure. However, this is not intended to limit the various examples according to the concept of the present invention to specific disclosed forms, and includes modifications, equivalents, or substitutes included in the spirit and scope of the present invention.

Terms such as first or second may be used to describe various components, but the components should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another component, for example, without departing from the scope of rights according to the concept of the present invention, a first component may be named a second component, Similarly, the second component may also be referred to as the first component.

In various examples of this disclosure, “/” and “,” should be interpreted as indicating “and/or”. For example, “A/B” may mean “A and/or B”. Furthermore, “A, B” may mean “A and/or B”. Furthermore, “A/B/C” may mean “at least one of A, B and/or C”. Furthermore, “A, B, C” may mean “at least one of A, B and/or C”.

In various examples of this disclosure, “or” should be interpreted as indicating “and/or”. For example, "A or B" can include "only A", "only B", and/or "both A and B". In other words, "or" should be interpreted as indicating "in addition or alternatively."

1 illustrates a block insurance processing system according to an example of the present disclosure.

Referring to FIG. 1 , a block insurance processing system 1 according to an example of the present disclosure includes a block insurance processing server 10 , a user terminal 20 and an insurance company server 30 .

The block insurance processing server 10 is a server for providing the block insurance service to the user terminal 20, and is connected to the user terminal 20 and the insurance company server 30 through a communication network to provide various data for providing the block insurance service. send and receive

In the present disclosure, a block corresponds to an insurance product operated by a plurality of insurance companies, and may mean a management unit for processing, integrating, and managing each of a plurality of insurance products in a block insurance service. A block may include a main block and a sub-block, which will be described later, and in the present disclosure, a sub-block may also be referred to as an additional block. In addition, the block insurance service may refer to an insurance service for collectively processing a plurality of insurance products based on the aforementioned block. In other words, the block insurance processing server 10 is a server for providing a block insurance service to the user terminal 20 based on blocks.

The block insurance processing server 10 includes at least one transceiver 110 , at least one memory 120 and at least one processor 130 .

The transceiver 110 may be connected to the processor 130 and may transmit and/or receive wired/wireless signals or data. For example, the transceiver 110 may be connected to the user terminal 20 and/or the insurance company server 30 through a wired/wireless communication network. Each of the at least one transceiver 110 may correspond to the wired/wireless communication network described above.

The transceiver 110 may include a transmitter and a receiver. The transceiver 110 may be used interchangeably with a radio frequency (RF) unit. The transceiver 110 may transmit/receive various signals or data with the user terminal 20 and/or the insurance company server 30 under the control of the processor 130 .

The memory 120 may be connected to the processor 130 and may store various information related to the operation of the processor 130 . For example, memory 120 may perform some or all of the processes controlled by processor 130, or instructions for performing descriptions, functions, procedures, suggestions, methods, and/or operational flowcharts of the present disclosure. It may store software code including instructions.

Processor 130 controls transceiver 110 and/or memory 120 to execute instructions stored in memory 120 to implement descriptions, functions, procedures, suggestions, methods and/or operational flowcharts of the present disclosure. can be configured. For example, the processor 130 may receive a signal through the transceiver 110 and store information included in the signal in the memory 120 . Also, the processor 130 may provide a block insurance service based on instructions stored in the memory 120 . In addition, the processor 130 may process information stored in the memory 120 to generate a signal, and then transmit the generated radio signal through the transceiver 110 .

The user terminal 20 corresponds to a terminal possessed by a customer, that is, an insurance subscriber. The user terminal 20 is connected to the block insurance processing server 10 through a communication network. An application for using the block insurance service provided by the block insurance processing server 10 may be installed in the user terminal 20, and block insurance service while exchanging various data with the block insurance processing server 10 through the application. can be provided.

The insurance company server 30 corresponds to a server operated by a plurality of insurance companies, and may be provided for each of a plurality of insurance companies. The insurance company server 30 is connected to the block insurance processing server 10 through a communication network. The insurance company server 30 may perform insurance application and insurance premium deposit processing operations for each block through the block insurance processing server 10 .

Hereinafter, various embodiments of the block insurance processing server 10 will be described. Various embodiments related to the block insurance processing server 10 disclosed below may be performed based on the processor 130 executing the above-described instructions.

Functional units included in the block insurance processing server 10 disclosed below are hardware including the above-described transceiver 110, memory 120, and processor 130, or software for implementing instructions, or a combination of hardware and software. can be implemented as

2 is a functional block diagram of a block insurance processing server according to an example of the present disclosure.

Referring to FIG. 2, the block insurance processing server 10 according to an example of the present disclosure includes a customer information management unit 140, a block management unit 150, an insurance combination unit 160, a collective subscription unit 170, and an insurance premium agent. A processing unit 180 is included. Each function block is connected to the database 190, and data processed in each function block and data transmitted and received between function blocks may be stored, and other data necessary for providing block insurance service may be stored in advance. there is.

The customer information management unit 140 receives user information from the user terminal 20 and stores it in the database 190 of the server. Here, the user information may include user identification information (eg, name, date of birth, etc.) and demographic information for setting a persona to be described later.

The block management unit 150 provides the user terminal 20 with an insurance selection screen for selecting blocks corresponding to various insurance products, and creates and manages blocks according to the selected insurance products.

The block management unit 150 controls one main insurance product among a plurality of main insurance products provided from the plurality of insurance company servers 30 and at least one sub insurance product among a plurality of sub insurance products linked to each of the plurality of main insurance products. An insurance selection screen for selecting is provided to the user terminal 20 . In the present disclosure, the main insurance product may be a broad concept, and the sub insurance product may be a narrow concept. For example, a sub insurance product is a sub-concept of a main insurance product, and when the main insurance product is a cancer insurance product, the sub insurance product may be a product that provides intensive insurance coverage for a specific cancer. Each of the plurality of main insurance products and each of the plurality of sub insurance products may be provided by the same insurance company or different insurance companies.

At this time, according to an embodiment, when a plurality of main insurance products provided as selection options to the user terminal 20 are stored in the database 190 based on user information, a customized insurance product replaces the user's persona. may be provided. Here, a persona is a concept for classifying characteristics or tendencies of a plurality of users according to user information.

The block management unit 150 extracts at least one customized insurance product corresponding to a persona from among a plurality of main insurance products and provides an insurance selection screen to the user terminal 20 based on the at least one customized insurance product. In this case, one main insurance product selected by the user terminal 20 may be one selected from at least one customized insurance product.

Alternatively, according to an embodiment, the block management unit 150 may configure an insurance selection screen to select a package block insurance product according to insurance selection option information.

Specifically, when receiving insurance selection option information from the user terminal 20 through a communication network, the block manager 150 determines whether the insurance selection option information indicates individual selection or package selection.

When the insurance selection option information indicates individual selection, the block manager 150 configures the insurance selection screen to list a plurality of main insurance products and a plurality of sub insurance products.

Alternatively, when the insurance selection option information indicates package selection, the block management unit 150 creates a package block insurance product in which a plurality of main insurance products and a plurality of sub insurance products are grouped by specific category, and the insurance selection screen displays the package block Configure to list insurance products. Package block insurance products may be provided as many as the number corresponding to the category. Accordingly, the user terminal 20 can select package block insurance products set for each category, and when one of a plurality of package block insurance products is selected, the main block and at least one sub block included in the selected package block insurance product are automatically can be chosen

Alternatively, according to an embodiment, when the block management unit 150 configures the insurance selection screen based on the package block insurance product, an additional selection item field is included so that the user terminal 20 can directly customize the package block insurance product. You may.

3A to 3C illustrate insurance selection screens according to various examples of the present disclosure.

Referring to FIGS. 3A to 3C , for example, the block management unit 150 lists a plurality of main insurance products, for example, health, cancer, injury, and pension as shown in FIG. ) can be configured. The insurance selection screen 1010a may include a selection entity 1011 for selecting a plurality of main insurance products.

Alternatively, as shown in FIGS. 3B and 3C, when the insurance selection option information indicates package selection, the block management unit 150 lists package block insurance products, for example, leisure, hobbies and sports and additional insurance products as shown. Insurance selection screens 1010b and 1010c may be configured. The insurance selection screens 1010b and 1010c may include a selection entity 1012 for selecting a plurality of package block insurance products and additional insurance products, and the selection entity 1012 includes a main insurance product and /or may include a lower selection entity 1013 capable of selecting a sub insurance product and an additional selection item field 1014 capable of entering an additional insurance product.

Returning to FIG. 2 , when an insurance product is selected by the user terminal 20, the block management unit 150 includes a main block corresponding to one main insurance product and at least one sub block corresponding to at least one sub insurance product. can create

Alternatively, the block management unit 150, when the user terminal 20 writes an additional insurance product in the additional selection field and transmits the added insurance product information to the block insurance processing server 10, at least corresponding to the additional insurance product One sub-block can be created.

Alternatively, the block management unit 150 may remove the generated main block and at least one sub-block according to an input from a user terminal, and although not shown in FIGS. 3A to 3C , an insurance selection screen displays an input from a user terminal. According to this, the main block and at least one sub block may be removed.

The insurance combiner 160 combines the main block and the sub block to create an integrated insurance product. The integrated insurance product may include a main block, a sub block, and product properties for each block (eg, guarantee period, contract time, condition according to contract year, etc.).

4 illustrates an integrated insurance product according to an example of the present disclosure.

Referring to FIG. 4 , the integrated insurance product 1020 includes a main block and a sub-block selected by the user terminal 20, and product properties for each block are included. In particular, if there is a change in the main block and / or sub-block, the insurance combination unit 160 may change the integrated insurance product 1020 according to the change, and when the change occurs, whether or not each block is renewed in the status item according to the contract year If the product is changed to another insurance product, the changed insurance product name may appear.

As described above, the sub block corresponds to one of the sub insurance products included in the main insurance product.

Returning to FIG. 2 again, the batch subscription unit 170 interlocks with the plurality of insurance company servers 30 to perform a batch subscription operation for integrated insurance products. Hereinafter, the collective subscription operation will be described in detail.

The batch subscription operation is performed by the batch subscription unit 170 and may include various sub-operations for collectively subscribing to the integrated insurance product without individually subscribing to each insurance company.

For example, the collective subscription operation includes a service use consent operation of providing a service use consent screen for using the block insurance service to the user terminal 20 and receiving a consent message for using the block insurance service from the user terminal 20. can include The service usage agreement screen displays whether consent to use the block insurance service, consent to the collection, inquiry and provision of personal information, consent to the processing of sensitive information and unique identification information, and whether to consent to marketing for product introduction are displayed on the user terminal ( 20) can be configured to be selectable.

For example, the batch subscription operation may include a user authentication operation in which an authentication procedure is performed with the user terminal 20 through various authentication means.

For example, in the collective subscription operation, when a consent message for the use of block insurance service is received from the user terminal 20 and/or the identity authentication operation is completed, a summary of the insurance product describing the integrated insurance product is provided to the user terminal 20. It may include an operation to check insurance subscription details.

5a and 5b illustrate insurance product summaries.

Referring to FIG. 5A , subscription details such as the name of an insurance product corresponding to each of the main block and sub-block (additional block), subscriber-related information, insurance premium, and insurance expiration period may be displayed in the insurance product summary 1030a. . In addition, the insurance product summary 1030a may be configured to check subscription details by selecting a main block and a sub block.

Referring to FIG. 5B , the insurance product summary 1030b may be configured to selectively check descriptions summarizing all insurance products included in the integrated insurance product and descriptions summarizing insurance products for each block.

Returning to FIG. 2 again, for example, the collective subscription operation may include a contract related information confirmation operation for checking subscriber-related information (a contractor, an insured person, an actual owner, an identification card, etc.).

For example, when all information related to the contract is normally confirmed, a duty-of-disclosure operation may be provided to the user terminal 20 with a standard duty-of-disclosure screen for inputting standard duty-of-disclosure items for the integrated insurance product. Here, the standard disclosure obligations may include common disclosure obligations and additional disclosure obligations associated with the main block and at least one sub-block. For example, common disclosure obligations are commonly applied to all blocks, and may include disease possession or treatment, and additional disclosure obligations apply to each block. can

6 shows a standard notification duty screen.

Referring to FIG. 6 , the standard notification duty screen 1040 may be configured to provide a description of each notification duty and allow the user terminal 20 to input various common notification duties and additional notification duties. . Notification obligations input from the user terminal 20 through the standard disclosure obligation screen 1040 may be transmitted to a management server through a communication network, and each management server may screen subscribers based on the disclosure obligations.

Returning to FIG. 2 again, for example, the batch subscription operation may include a batch subscription processing information input operation of providing the user terminal 20 with a batch subscription input screen for receiving collective subscription processing information for integrated insurance products. can Here, the collective subscription processing information may include at least one of document confirmation information, provisional writing information, consent information, and user signature information related to the subscription electronic document, which will be described later. Batch subscription processing information is commonly applied to subscription electronic documents of both the main block and the sub block. Therefore, from the user terminal 20's point of view, it is possible to collectively subscribe for all blocks only by inputting a single information without having to input subscription-related information for each subscription electronic document for each block.

7A to 7E show batch subscription input screens.

The batch subscription input screen is configured to receive document confirmation, provisional entry, agreement, and signature, and may include a plurality of consecutive screens.

Referring to FIGS. 7A to 7C , collective subscription input screens 1050a, 1050b, and 1050c display the purpose and explanation of collective subscription, a prior consent form for collective subscription, product descriptions for each insurance product, subscription documents, and application for withdrawal transfer. A document verification entity 1051 may be included so as to confirm the consent form for the purpose. When the user terminal 20 interacts with the document verification entity 1051, a prior consent form, product description, subscription document, and consent form for withdrawal and transfer application corresponding to each document verification entity 1051 are provided, mapped to each A consent input entity 1052 and/or a consent input entity 1053 may be provided together. The user terminal 20 may input batch subscription processing information into the provisional supplementary input entity 1052 and/or the consent input entity 1053 and transmit the information to the block insurance processing server 10 . Batch subscription processing information is commonly applied to insurance products corresponding to all blocks.

In addition, referring to FIG. 7D , the batch subscription input screen 1050d is a handwritten writing entity to input user signature information including handwriting and signature for the subscriber name to be input in individual subscription electronic documents for batch subscription processing ( 1054) and a signature creation entity 1055 may be provided.

Finally, referring to FIG. 7E, the batch subscription input screen 1050e provides whether or not the input of the user signature information and collective subscription processing information input according to FIG. A batch application entity 1056 may be provided together so that the user terminal 20 may input whether or not to agree to the application of the information. A batch application consent message input from the user terminal 20 according to the batch application entity may also be included in batch subscription processing information.

Returning to FIG. 2 again, for example, in the batch subscription operation, when batch subscription processing information is received from the user terminal 20, the subscription electronic block for each of the main block and at least one sub-block is based on the batch subscription processing information. A subscription completion operation of generating a document may be included. Here, the subscription electronic document may be generated based on mapping collective subscription processing information to pre-stored subscription form documents for each block for each of the main block and at least one sub-block.

When the collective subscription operation is completed, the insurance premium proxy processing unit 180 proxy-processes the integrated insurance premium for the integrated insurance product with respect to the plurality of insurance company servers 30 . Specifically, the insurance premium agency processing unit 180 calculates and guides the integrated insurance premium for the integrated insurance product, and displays an insurance premium agency processing screen capable of inputting insurance premium agency processing information for proxy processing of the integrated insurance product to the user terminal 20. to provide. Here, the insurance premium agency processing information may include information on whether or not to consent to insurance premium agency processing and refund account information for the integrated insurance premium.

When insurance premium agency processing information is received from the user terminal 20, the insurance premium agency processing unit 180 processes insurance premiums for each of the main block and at least one sub block for each of the plurality of insurance company servers 30 based on the integrated insurance premium.

8a and 8b illustrate insurance premium agency processing screens.

Referring to FIG. 8A, the insurance premium agency processing unit 180 calculates the integrated insurance premium by summing the insurance premiums of all insurance products included in the integrated insurance product, and configures the insurance premium agency processing screen 1060a to inform the calculated integrated insurance premium. do. In addition, the insurance premium agency processing unit 180 may configure the insurance premium agency processing screen 1060a to include the subscription number confirmation entity 1061 so as to search for subscription numbers and individual insurance premiums for each main block and each sub-block. In addition, the insurance premium agency processing unit 180 displays the insurance premium agency processing screen 1060a so that the insurance premium agency processing consent input entity 1062 capable of receiving input from the user terminal 20 whether or not to agree to the insurance premium agency processing may be included. can be configured.

Referring to FIG. 8B , the insurance premium agency processing unit 180 may configure the insurance premium agency processing screen 1060b so that the user terminal 20 may input refund account information for the integrated insurance premium. In particular, refund account information is not input for each insurance product, but can be equally applied to all insurance products even if only one refund account information is input.

According to the block insurance processing server 10 according to various examples of the present disclosure described above, a block insurance service capable of collecting and servicing insurance products of a plurality of insurance companies in blocks and subscribing to them collectively may be provided to the user. . In particular, from the user's point of view, it is possible to apply for insurance products of all insurance companies in a lump sum with only one subscription procedure without having to perform offline or online (web page or application, etc.) subscription procedures for each insurance company individually, so complicated insurance procedures. can be simplified, and users can freely add or remove blocks to customize insurance products.

Hereinafter, various embodiments related to the block insurance processing server 10 described above are disclosed. A detailed description of the overlapping parts will be omitted.

9 is a flowchart of a block insurance processing method according to an example of the present disclosure.

Referring to FIG. 9, in S110, the block insurance processing server 10 includes one main insurance product among a plurality of main insurance products provided from a plurality of insurance company servers 30 and a plurality of main insurance products interlocked with each of the plurality of main insurance products. An insurance selection screen for selecting at least one sub insurance product among sub insurance products is provided to the user terminal 20 .

In S120, when one main insurance product and at least one sub insurance product are selected from the user terminal 20, the block insurance processing server 10 selects a main block and at least one sub insurance product corresponding to the one main insurance product. At least one sub-block corresponding to is generated.

In S130, the block insurance processing server 10 combines the main block and at least one sub block to create an integrated insurance product.

In S140, the block insurance processing server 10 interworks with the plurality of insurance company servers 30 to perform a collective subscription operation for integrated insurance products.

10 is a flowchart of a method of providing an insurance selection screen according to an example of the present disclosure.

Referring to FIG. 10 , in S210 , the block insurance processing server 10 receives insurance selection option information from the user terminal 20 .

In S220, the block insurance processing server 10 configures the insurance selection screen to list a plurality of main insurance products and a plurality of sub insurance products when the insurance selection option information indicates individual selection.

In S230, when the insurance selection option information indicates package selection, the block insurance processing server 10 creates a package block insurance product in which a plurality of main insurance products and a plurality of sub insurance products are grouped by specific category, and an insurance selection screen Configure this package block to list insurance products.

11 is a flowchart of a batch subscription operation according to an example of the present disclosure.

Referring to FIG. 11 , in S310 , the block insurance processing server 10 provides the user terminal 20 with a service usage consent screen for using the block insurance service.

In step S320, when the block insurance processing server 10 receives the consent message for using the block insurance service from the user terminal 20, it provides the user terminal 20 with an insurance product summary describing the integrated insurance product.

In S330, the block insurance processing server 10 provides the user terminal 20 with a standard duty-of-disclosure screen for inputting standard duty-of-disclosure information for integrated insurance products. Here, the standard disclosure obligations include common disclosure obligations and additional disclosure obligations associated with the main block and at least one sub-block.

In S340, the block insurance processing server 10 provides the user terminal 20 with a batch subscription input screen through which batch subscription processing information for integrated insurance products can be input.

In S350, when the block insurance processing server 10 receives batch subscription processing information from the user terminal 20, it generates subscription electronic documents for each block for each of the main block and at least one sub-block based on the batch subscription processing information. do.

12 is a flowchart of a block insurance processing method by a block insurance processing system according to an example of the present disclosure.

Referring to FIG. 12 , in S410, the user terminal 20 and the block insurance processing server 10 generate an integrated insurance product by combining blocks through interaction, and perform a collective subscription for the integrated insurance product. For example, S410 may include the block insurance processing method, insurance selection screen providing method, and collective subscription operation of FIGS. 9 to 11 described above.

In S420, the block insurance processing server 10 transmits the generated subscription electronic document to the insurance company server 30. As described above, the subscription electronic document may be created by mapping collective subscription processing information to a subscription form document. For example, the block insurance processing server 10 may encrypt the subscription electronic document and transmit it to the insurance company server 30 .

In S430, through interaction with the user terminal 20, the block insurance processing server 10, and the insurance company server 30, an insurance premium proxy processing operation of processing integrated insurance premiums for integrated insurance products is performed.

Here, the insurance premium agency processing operation calculates and guides the integrated insurance premium for the integrated insurance product, and provides the user terminal 20 with an insurance premium agency processing screen capable of receiving insurance premium agency processing information for proxy processing of the integrated insurance product. Step (S431) and, when insurance premium agency processing information is received from the user terminal 20, processing insurance premiums for each of the main block and at least one sub-block for each of the plurality of insurance company servers 30 based on the integrated insurance premium ( S432) may be included.

In S440, the insurance company server 30 completes the contract for each individual insurance product.

In S450, the insurance company server 30 may transmit the contract electronic document according to the completion of the contract to the user terminal 20 and/or the block insurance processing server 10.

Since the examples of the proposed schemes in the above description may also be included as one of the implementation methods of the present disclosure, it is obvious that they can be regarded as a kind of proposed schemes. In addition, the above-described proposed schemes may be implemented independently, but may also be implemented in a combination (or merged) form of some proposed schemes.

Examples of the present disclosure disclosed as described above are provided to enable those skilled in the art to implement and practice the present disclosure. Although the above has been described with reference to examples of the present disclosure, a person skilled in the art may variously modify and change the examples of the present disclosure. Thus, the present disclosure is not intended to be limited to the examples set forth herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

1: Block insurance processing system
10: block insurance processing server 20: user terminal
30: Insurance company server
110: transceiver 120: memory
130: processor
140: customer information management unit 150: block management unit
160: insurance combination unit 170: collective subscription unit
180: insurance premium agency processing unit 190: database

Claims (10)

A block insurance processing server for providing a block insurance service by being electrically connected to a plurality of insurance company servers managed by a user terminal and a plurality of insurance companies,
An insurance selection screen for selecting one main insurance product among a plurality of main insurance products provided from the plurality of insurance company servers and at least one sub insurance product among a plurality of sub insurance products linked to each of the plurality of main insurance products a block management unit providing the user terminal with a main block corresponding to the one main insurance product and at least one sub block corresponding to the at least one sub insurance product;
an insurance combiner generating an integrated insurance product by combining the main block and the at least one sub block; and
Including a batch subscription unit that performs a batch subscription operation for the integrated insurance product in conjunction with the plurality of insurance company servers,
Block insurance processing server.
According to claim 1,
Further comprising a customer information management unit for receiving user information from the user terminal and storing it in a database of the server;
The block management unit,
If the persona of the user set based on the user information is stored in the database, the insurance selection screen is provided to the user terminal based on at least one customized insurance product corresponding to the persona among the plurality of main insurance products. do,
The one main insurance product is selected from the at least one customized insurance product,
Block insurance processing server.
According to claim 1,
The block management unit,
When receiving insurance selection option information from the user terminal,
When the insurance selection option information indicates individual selection, the insurance selection screen is configured to list the plurality of main insurance products and the plurality of sub insurance products;
When the insurance selection option information indicates package selection, a package block insurance product in which the plurality of main insurance products and the plurality of sub insurance products are grouped by specific category is created, and the insurance selection screen displays the package block insurance product. configured to list,
Block insurance processing server.
According to claim 1,
The batch subscription operation is:
providing a service usage agreement screen for using the block insurance service to the user terminal;
When receiving a consent message for using the block insurance service from the user terminal, providing an insurance product summary describing the integrated insurance product to the user terminal;
A standard disclosure duty screen for inputting standard disclosure obligations for the integrated insurance product is provided to the user terminal, wherein the standard disclosure obligations are common disclosure obligations and the main block and the at least one sub block contain any relevant additional disclosure obligations;
Providing a batch subscription input screen for receiving collective subscription processing information for the integrated insurance product to the user terminal; and
generating block-by-block subscription electronic documents for each of the main block and the at least one sub-block based on the batch subscription processing information when the batch subscription processing information is received from the user terminal;
Block insurance processing server.
According to claim 4,
The collective subscription processing information includes at least one of document confirmation information related to the subscription electronic document, provisional entry information, consent information, and user signature information.
Block insurance processing server.
According to claim 4,
The subscription electronic document is generated based on mapping the collective subscription processing information to a pre-stored subscription form document for each block for each of the main block and the at least one sub-block.
Block insurance processing server.
According to claim 4,
Further comprising an insurance premium agency processing unit for proxy processing of the integrated insurance premium for the integrated insurance product with respect to the plurality of insurance company servers;
The insurance premium agency processing unit,
An insurance premium agency processing screen capable of calculating and guiding an integrated insurance premium for the integrated insurance product and receiving insurance premium agency processing information for proxy processing of the integrated insurance product is provided to the user terminal, wherein the insurance premium agency processing information is Including whether or not to consent to insurance premium agency processing and refund account information for the integrated insurance premium,
When receiving the insurance premium agency processing information from the user terminal, processing the insurance premium for each of the main block and the at least one sub block for each of the plurality of insurance company servers based on the integrated insurance premium,
Block insurance processing server.
A block insurance processing method provided by a block insurance processing server for providing a block insurance service by being electrically connected to a user terminal and a plurality of insurance company servers managed by each of the plurality of insurance companies,
An insurance selection screen for selecting one main insurance product among a plurality of main insurance products provided from the plurality of insurance company servers and at least one sub insurance product among a plurality of sub insurance products linked to each of the plurality of main insurance products providing to the user terminal;
generating a main block corresponding to the one main insurance product and at least one sub block corresponding to the at least one sub insurance product;
generating an integrated insurance product by combining the main block and the at least one sub block; and
Comprising the step of performing a collective subscription operation for the integrated insurance product in conjunction with the plurality of insurance company servers,
How block insurance works.
According to claim 8,
Receiving insurance selection option information from the user terminal;
configuring the insurance selection screen to list the plurality of main insurance products and the plurality of sub insurance products when the insurance selection option information indicates individual selection; and
When the insurance selection option information indicates package selection, a package block insurance product in which the plurality of main insurance products and the plurality of sub insurance products are grouped by specific category is created, and the insurance selection screen displays the package block insurance product. Further comprising the steps of configuring to list,
How block insurance works.
According to claim 8,
The batch subscription operation is:
providing a service usage consent screen for using the block insurance service to the user terminal;
providing an insurance product summary describing the integrated insurance product to the user terminal when receiving a consent message for using the block insurance service from the user terminal;
Providing a standard duty-of-disclosure screen for inputting standard duty-of-disclosure matters for the integrated insurance product to the user terminal, wherein the standard duty-of-disclosure items include common duty-of-disclosure matters and the main block and the at least one sub-block contains additional disclosure obligations related to;
providing a collective subscription input screen for receiving collective subscription processing information for the integrated insurance product to the user terminal; and
When the batch subscription processing information is received from the user terminal, generating block-by-block subscription electronic documents for each of the main block and the at least one sub-block based on the batch subscription processing information.
How block insurance works.

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