KR20240001805A - Real estate fire insurance contract system and method using the Internet - Google Patents

Abstract

The present invention relates to a real estate fire insurance contract system and method. In the past, fire insurance was mainly subscribed to offline, reducing accessibility and efficiency, and preventing insurance coverage unless the customer directly re-subscribes in accordance with the expiration date of the fire insurance. This is to solve the problem of gaps occurring in receiving.
For this purpose, the present invention includes the steps of accessing the insurance contract central server 30, the user inputting information including whether to automatically extend the contract, the step of checking the user's credit status, and the step of confirming that the user is the right holder of the building. Steps include calculating the loss coverage amount by checking the actual transaction price, checking whether the building is a special building or a general building, checking whether it complies with the Fire Protection Act and receiving an electronic signature for insurance subscription, and sending the subscription details to the insurance agency server. It includes the step of concluding a contract on the insurance agency server and transmitting the contract details to the user, and automatically extends the expiration date of the insurance contract in accordance with a predetermined extension unit before the expiration date of the user's insurance contract. By being configured to perform automatic extension processing, customers can not only easily sign up for real estate fire insurance online, but also automatically extend the real estate fire insurance contract at the time of expiration, preventing gaps in insurance coverage. Provides improved effects.

Description

Real estate fire insurance contract system and method using the Internet} equipped with automatic extension of insurance contract expiration date

The present invention relates to a real estate fire insurance contract system and a real estate fire insurance contract method using the same. Specifically, a customer can conveniently sign up for a fire insurance contract through the Internet and the fire insurance contract is automatically extended. This relates to a real estate fire insurance contract system and method that can minimize gaps in insurance coverage.

Fire insurance is insurance that compensates for damage caused by fire. Fire insurance can be divided into residential fire insurance, general fire insurance, factory fire insurance, and other fire insurance depending on the subject matter.

Home fire insurance is a fire insurance policy that covers buildings such as single-family homes or townhouses where each unit or room is used only as a home. General fire insurance is fire coverage insurance for general buildings and their host movables, excluding houses or factories, and factory fire insurance is fire coverage insurance for factory buildings and their host movables. Additionally, there is fire protection insurance provided for each product.

The fire insurance calculates the insurance premium according to the insurance rate by identifying the building materials that make up the object, the structure of the object, the industry handled by the object, etc., but the industry and number of buildings are very diverse and large, making calculating the insurance premium complex. In addition, in order to sell and design fire insurance, expertise such as knowledge of laws such as the Housing Act, Building Act, Civil Act, and Fire Insurance Act, professional knowledge of damage assessment, and knowledge of insurance compensation by collateral is required.

Most of the conventional fire insurance contract methods were offline and were handled based on the planner's individual experience and knowledge, which had problems such as inefficiency and irrational product design.

Therefore, there is a need for a method to increase customers' accessibility to fire insurance subscription through an Internet-based design system that can escape time and space constraints. In addition, in the design of fire insurance, a real estate fire insurance contract system and method is designed to design an insurance product based on objective and accuracy for the building that the customer wishes to subscribe to so that the customer can subscribe to the optimal insurance product at a reasonable premium. need.

Fire accidents occur due to certain random events and cannot be predicted, and the resulting casualties and property damage are very large. However, a gap in insurance coverage may occur because the subscriber does not recognize the expiration date of fire insurance or is unable to re-enroll in fire insurance due to the inconvenience of the insurance contract process. If a fire accident occurs while there is a gap in insurance coverage, individuals face the challenge of having to bear all of the massive damage.

In the case of special buildings, fire insurance is mandatory, and owners of special buildings are liable for damages under civil law for fire disasters that occur in their buildings. In addition, even in the case of multi-use business establishments, it is mandatory to subscribe to fire liability insurance.

Conventional fire insurance is inconvenient because customers must remember the expiration date and sign up for new fire insurance directly.

In particular, if you are the owner of a special building or the business owner of a multi-use business, you must be more careful to ensure that there is no gap in the fire insurance subscription period. However, in the conventional technology, the customer must personally write a new contract and re-subscribe to fire insurance. There was a problem that there was a risk that a gap could occur.

In addition, conventionally, as a way for insurance companies to continuously manage good customers and prevent them from leaving, when the customer's fire insurance expires, they notify the customer of the expiration of the contract by phone, encourage them to sign a new contract, or encourage them to sign up for insurance. It was the way to do it.

However, this sales method is less efficient because it requires contacting each customer, and the customer can only recognize the expiration of fire insurance when a call is possible with the customer. In addition, if the customer must enter or write the insurance contract details directly, but does not enter or write the details at the time and is unable to conclude the contract, a gap in insurance may occur.

Therefore, customers need a way to conveniently extend fire insurance without creating gaps in coverage, and insurance companies need an efficient way to extend fire insurance contracts so that existing good customers can maintain their contracts to prevent them from leaving. An insurance contract method is needed.

However, conventional technology does not provide an efficient method of extending a fire insurance contract that can solve the gap in coverage that occurs due to the expiration of fire insurance.

For example, Domestic Registered Patent No. 10-2196501 “Smart Insurance Management System” is a system that sends an expiration notification to the customer’s smartphone and allows the customer to directly enter information at the time of expiration to renew or subscribe to insurance. . However, if the customer misses the expiration notice or checks but does not enter information for various reasons, the insurance will expire. Therefore, although the above prior art helps customers recognize the expiration date of insurance, there is a problem in that it is difficult to completely block gaps in insurance coverage.

In order to solve the above-mentioned problems, the purpose of the present invention is to provide a real estate fire insurance contract system and method that allows customers to efficiently and easily sign up for real estate fire insurance by shortening the time it takes to sign up for real estate fire insurance.

In addition, the goal is to provide a real estate fire insurance contract system and method that allows automatic extension of the contract so that there are no gaps in customers receiving real estate fire insurance coverage.

In addition, the purpose is to provide a real estate fire insurance contract system and method that simplifies the process for customers to enter information when extending real estate fire insurance and provides reasonable insurance premiums to customers through objective screening.

In addition, the goal is to provide a real estate fire insurance contract system and method that prevents the departure of quality customers and efficiently utilizes the human and material resources required for insurance sales and management.

The technical problem to be achieved by the present invention is not limited to the technical problem mentioned above, and other technical problems not mentioned can be clearly understood by those skilled in the art from the description below. There will be.

In order to achieve the above technical problem, a real estate fire insurance contract system according to an embodiment of the present invention includes an insurance contract central server to which a user terminal and an administrator terminal are connected and which controls the insurance contract process; And, a member database connected to the insurance contract central server and storing members' personal information; A subscription history database connected to the insurance contract central server and storing subscription details of the insurance the member wishes to subscribe to; An automatic extension database that is connected to the insurance contract central server and stores the details of insurance subscriptions for which automatic extension of insurance has been agreed upon; It is connected to the insurance contract central server and searches for relevant data in the subscription history database of the insurance contract central server to conclude fire insurance. However, if there is no match between the information entered by the user and the already stored product information, the closest product information is used. An insurance agency server that finds and stores the contract in the insurance contract database after signing the contract, and transmits the contract conclusion details to the insurance contract central server; It is composed of an insurance contract database in which insurance details of contracts concluded through the insurance agency server are stored, and the insurance contract central server is connected to a credit rating agency server and performs the credit evaluation when an individual's credit inquiry is required. An individual's credit information is requested from the institutional server, and the credit rating agency server searches a credit rating database and provides the credit information to the credit rating agency server. The insurance contract central server is connected to the court registration server and is connected to the above-mentioned credit rating agency server. A request is made to the court registration department server for registration data for a predetermined address, and the court registration department server searches the registry database and provides registration data for the address requested by the insurance contract central server. The insurance contract central server is connected to the city, county and district server to provide the registration data for the address. Request the city/county/district server for probate contract information for the relevant lot or the publicly announced land price for the standard land of the building, tax-related information, or building ledger information, and the city/county/gu/district server searches the probate contract database to provide information on the probate contract requested by the insurance contract central server, or The city, county and district server searches the tax database and provides the publicly announced price or tax-related information for the standard land of the building requested by the insurance contract central server, or the city, county and district server searches the building ledger database and provides building ledger information for the relevant building requested by the insurance contract central server. The insurance contract central server is connected to a public certification agency server to confirm the member's identity and request an electronic signature with legal effect from the public certification agency server. Certification-related data is searched and a response to the electronic signature requested by the insurance contract central server is provided, and the insurance contract central server is connected to the fire department server to confirm compliance with the fire protection law of the special building owned by the member. A request is made to a server, and the fire department server searches the fire department database and provides fire law inspection information for the building requested by the insurance contract central server.

In addition, in the real estate fire insurance contract system according to an embodiment of the present invention, the insurance contract central server is connected to the damage assessment agency server to request damage assessment information for the building of the insured member who suffered a fire disaster, and to calculate the damage. The assessment agency server may be configured to search the damage assessment agency database and provide the damage assessment details stored in the event of a fire in an insured building to the insurance contract central server.

In addition, in the real estate fire insurance contract system according to an embodiment of the present invention, the insurance contract central server may be composed of multiple servers, or may be configured to be additionally equipped with a backup server to prepare for problems of system down or power outage. there is.

In addition, a real estate fire insurance contract method according to an embodiment of the present invention includes a user connection step in which a user connects to an insurance contract central server through an Internet network using a user computer; And, a registered member confirmation step of checking whether the user connected to the user computer is a member and moving to the next step if the user is a member, and moving to the membership registration screen if the user is not a registered member; When it is confirmed that the connected user is a member, a main screen presentation step of displaying a main screen including a real estate fire insurance registration and a real estate fire insurance contract conclusion window; A user information input step in which the user identified as the member inputs or requests desired information; If the information entered by the user is information about real estate fire insurance, a user credit check step of confirming the credit status of the user who entered real estate fire insurance by requesting the credit status of the user who entered the information to a credit rating agency server; If there is no problem with the user's credit status, a rights holder confirmation step of confirming whether the user and the building right holder match by requesting verification of the building holder from the court registration server using the address of the building for which real estate fire insurance registration has been requested; When it is confirmed that the user is the right holder of the building, a real estate transaction confirmation step that requests the actual transaction price or standard land price information in the probate contract for the building lot number for which the user wants to register fire insurance, and building ledger information from the city/county/district server; A compensation calculation step of calculating the compensation amount by checking the actual transaction price or the publicly announced price of the standard land in the probate contract retrieved from the city, county, and district server; If it is determined that registration of real estate fire insurance is possible based on the information confirmed in the previous steps, the user accesses the public certification agency server, obtains an electronic signature, and enters the information entered by the user in the subscription history database of the insurance contract central server. a user signature step for storing insurance contract information; An insurance contract processing request step of sending the user's insurance contract information stored in the subscription history database to an insurance agency server; Regarding the user's insurance contract information sent to the insurance agency server, if any of the product information stored in the insurance agency server matches the contract conditions, the contract is concluded and stored in the insurance contract database, and the contract conclusion details are sent to the insurance contract central server. Step of concluding an insurance contract; It is configured to include an insurance contract post-processing step of storing the transmitted contract conclusion details in the subscription history database or transmitting them to the user terminal. The expiration date of the insurance contract is automatically set to the information entered by the user in the user information input step. By including information on the user's consent to the extension, it can be configured to perform automatic extension processing to automatically change the expiration date of the insurance contract to the extended date according to a predetermined extension unit before the expiration date of the user's insurance contract. .

In addition, the real estate fire insurance contract method according to an embodiment of the present invention has a structure of displaying a registration impossible message on the user computer screen when registration is determined to be impossible in at least one of the user credit confirmation step and the right holder confirmation step. It can be composed of:

In addition, in the real estate fire insurance contract method according to an embodiment of the present invention, the automatically extended insurance contract details are stored in the automatic extension database, displayed on the screen on the user terminal, or notified to the user by email or text message. It can be configured.

In addition, in the real estate fire insurance contract method according to an embodiment of the present invention, the automatic extension process requests building ledger information from the city, county, and district server, and when changes to the building in question are confirmed in the building ledger information retrieved from the city, county, and district server, the insurance premium is paid. recalculating; And, if the building is a special building, accessing the fire department server to check compliance with the fire law and determining whether automatic extension of real estate fire insurance is suitable; A step of checking the accident history of the relevant building from the damage assessment agency server and reflecting it in the examination of fire insurance subscription and recalculation of insurance premiums; It may be structured to perform a review including at least one of the following, and selectively perform automatic extension of the contract according to the results of the review, or perform automatic extension of the contract including the recalculated insurance premium.

According to the means of solving the above-described problem, the real estate fire insurance contract system and method according to the present invention allows signing up for real estate fire insurance through the Internet, so there are no time or space restrictions and the time required for signing up can be shortened, making it efficient. It can provide the effect of easily concluding a real estate fire insurance contract.

In addition, the fire insurance contract can be extended using a database that stores contract details and building information for registered customers, so the fire insurance is automatically extended without the customer having to enter new information to extend the fire insurance. It is simple and can reduce gaps in fire insurance coverage.

In addition, insurance companies can prevent the departure of top customers and reduce the costs of insurance sales and management.

The effects of the present invention are not limited to the effects described above, but should be understood to include all effects that can be inferred from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a schematic diagram illustrating the entire real estate fire insurance contract system of the present invention.
Figure 2 is a flowchart showing the steps of the real estate fire insurance contract method of the present invention.
Figure 3 is a configuration diagram of the main screen of the user terminal in the real estate fire insurance contract system and method of the present invention.
Figure 4 is a diagram illustrating the configuration of an administrator map of an administrator terminal in the real estate fire insurance contract system and method of the present invention.
Figure 5 is an input screen of the real estate fire insurance contract system and method of the present invention.
Figure 6 is a registration impossible message screen of the real estate fire insurance contract system and method of the present invention.
Figure 7 is an insurance contract conclusion screen of the real estate fire insurance contract system and method of the present invention.
Figure 8 is a diagram showing the basic steps in which a contract is automatically extended in the real estate fire insurance contract system and method of the present invention.
Figure 9 is a flowchart illustrating detailed steps for automatically extending a contract in the real estate fire insurance contract system and method of the present invention.
Figure 10 is an exemplary message screen sent to a customer for whom automatic extension is not possible in this real estate fire insurance contract system and method.
Figure 11 is an exemplary message screen sent to a customer who has automatically entered into a contract in the real estate fire insurance contract system and method of the present invention.

Hereinafter, the present invention will be described with reference to the attached drawings. However, the present invention may be implemented in various different forms and, therefore, is not limited to the embodiments described herein.

Throughout the specification, when a part is said to be "connected (connected, contacted, combined)" with another part, this means not only "directly connected" but also "indirectly connected" with another member in between. "Includes cases where it is. In addition, when a part is said to “include” a certain component, this does not mean that other components are excluded, but that other components can be added, unless specifically stated to the contrary.

The terms used herein are only used to describe specific embodiments and are not intended to limit the invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as “comprise” or “have” are intended to indicate the presence of features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, but are not intended to indicate the presence of one or more other features. It should be understood that this does not exclude in advance the possibility of the existence or addition of elements, numbers, steps, operations, components, parts, or combinations thereof.

As used herein, terms such as "...Server", "...System", "...Unit", etc. refer to a unit that processes one or more functions or operations. This means that it can be implemented through hardware, software, or a combination of hardware and software.

The real estate fire insurance contract system and method according to the present invention may have an overall configuration as shown in FIG. 1, for example.

The real estate fire insurance contract system and method of the present invention includes an insurance contract central server (30), a credit rating agency server (40), a court registration server (50), a city/county/district server (60), a public certification agency server (70), and an insurance company. It includes an agency server (100) and, if necessary, can be configured to further include a fire department server (80), a damage assessment agency server (90), etc. Meanwhile, the insurance contract central server 30 is connected to the user terminal 10 or the administrator terminal 15 to transmit and receive data through the Internet.

The terminal includes a computer or laptop, PDA, pad, mobile cell phone, etc., and can be connected to the Internet wirelessly or wired to transmit data or information requested by the insurance contract central server (30) and the insurance contract central server (30). ) can be printed out on the screen and presented or saved and stored.

The insurance contract central server 30 controls and performs the overall process of the real estate fire insurance contract system and method of the present invention, and includes the credit rating agency server 40 and court registration server 50 necessary for the insurance subscription procedure of the present invention. , the city/county/district server (60), the public certification agency server (70), the fire department server (80), the damage assessment agency server (90), the insurance agency server (100), etc. are connected via a dedicated line (25).

The insurance contract central server (30) has a function of requesting data transmission from other servers and searching for necessary information in a database, a function of extracting, selecting, and screening information, and a user terminal (10) and an administrator terminal (15). It is connected to and performs the function of providing information requested by the user or administrator or processing the information entered.

In addition, the insurance contract central server 30 extracts the insurance subscription details of the subscriber who wants to automatically extend the insurance from the insurance subscription details for which the contract has been concluded, and sends the data to other servers to determine whether automatic extension of the insurance contract is approved. Request transmission, and decide whether to automatically extend the insurance contract based on the above data.

The insurance contract central server 30 may store related data in the member database 32, subscription history database 34, or automatic extension database 36 as needed. The member database 32 stores the personal information of members who have subscribed to fire insurance, and the subscription history database 34 stores the subscription details of the insurance the member wants to subscribe to, and the insurance agency server 100 ultimately completes the contract. This is a database where the subscription details of concluded insurance are stored again. The automatic extension database 36 is a database that receives and stores fire insurance subscription details that have been automatically extended by the insurance agency server 100. The automatic extension database may be included and configured together with the subscription history database.

The credit rating agency server (40) is connected to the insurance contract central server (30) and provides the individual's credit information requested by the insurance contract central server (30) when an individual's credit inquiry is requested from the insurance contract central server (30). The credit information is searched and provided while stored in the credit rating database 45.

The court registration department server 50 provides registration information for the address requested by the insurance contract central server 30 when there is a request for registration data for a predetermined address from the insurance contract central server 30, and the court registration department server stores the registration database. The registration information for the relevant address stored in (55) is searched and provided.

The city/county/district server (60) receives the address number requested by the insurance contract central server (30) when there is a request for information such as the probate contract information of the relevant address, the publicly announced price of the standard land for the corresponding building, tax-related information, and building ledger from the insurance contract central server (30). Provides relevant information. The probate contract information provided from the city/county/district server 60 is data stored in the probate contract database 65, the standard land price and tax-related information for the relevant building is data stored in the tax database 66, and the building ledger information for the relevant building. is data stored in the building ledger database (67). The building ledger database 67 stores information such as the main purpose of the building, main structure, height, roof, auxiliary buildings, construction period, area, building status, and drawings, and is used as information necessary to review the risk level and insurance premium of the building. It can be.

The public certification authority server 70 verifies the identity of the member requested by the insurance contract central server 30 and provides an electronic signature with legal effect, and the personal authentication-related data is data stored in the public certification database 75. It is extracted and provided from .

The fire department server (80) provides information on compliance with the fire law when the building to which the insurance contract central server (30) wishes to subscribe is a special building, and provides information on compliance with the fire law, such as inspection details on the fire law for the building. is provided while being stored in the fire department database (85).

The damage assessment agency server 90 is responsible for assessing damage to buildings of insurance members who have suffered a fire disaster in the insurance contract central server 30. In the event of a fire in an insured building, the damage assessment details are stored in the damage assessment agency database 95 and, if necessary, are notified to the subscriber or used for subscription screening.

In other words, when an insured user suffers a fire disaster and receives insurance money, the user's own building is assessed for damage and the damage assessment details are stored in the damage assessment agency database 95, and the user relates to the insurance money he or she will receive. Therefore, the damage assessment details can be viewed by accessing the damage assessment agency server (90) through the insurance contract central server (30). The insurance agency server 100 reflects the damage assessment details, calculates the insurance amount according to a predetermined procedure, and notifies the user of the insurance amount that can be received through the insurance contract central server 30.

The insurance agency server 100 receives data from the insurance contract central server, concludes a contract, and stores the concluded contract details in the insurance contract database 105. It also performs the function of searching and extracting necessary information from the insurance contract database 105 and transmitting the data to the insurance contract central server.

In addition, the insurance agency server 100 designates the expiration of the fire insurance contract in the insurance contract database 105 at a predetermined period or on a predetermined date by itself or at the request of another component such as the insurance contract central server 30. The stored insurance contract data is extracted at a point in time or at a certain period and transmitted to the insurance contract central server (30).

In addition, when the insurance agency server 100 receives data authorizing the extension of a fire insurance contract from the insurance contract central server 30, the insurance agency server 100 processes the expiration date of the insurance contract to a designated point in time. and store the change details of the insurance contract in the insurance contract database (105). Change details of the insurance contract can be transmitted to the insurance contract central server (30).

The real estate fire insurance contract method of the present invention consists of a contract conclusion method and an automatic contract extension method. The contract conclusion method refers to a method for a user to sign up for a new fire insurance policy and conclude a contract, and the automatic contract extension method refers to a method to automatically extend a contract using information about the subscriber's contract conclusion history. .

The contract conclusion method includes steps where the user accesses the insurance contract central server (30) and inputs insurance contract subscription information, and steps where the insurance contract central server (30) requests and screens information from an external server, It is composed of steps including concluding a contract and subsequent processing.

The real estate fire insurance contract conclusion method of the present invention can be configured to include the following detailed steps, and will be described in detail with reference to FIG. 2.

Step 1 :

In the present invention, a user connected to the Internet network accesses the insurance contract central server (30) using the user terminal (10) in a well-established Internet network infrastructure.

The insurance contract central server 30 can be implemented as a single computer server, but it is preferable to be composed of a plurality of servers to provide quick service to customers who are users and to quickly process insurance business, such as server down or power outage. In order to prepare for problems that may arise due to the problem of , it is desirable to have a backup server that can periodically back up the information of the insurance contract central server 30.

Step 2 :

A user who accesses the insurance contract central server 30 logs in with a given ID and password. If the user fails to log in because he or she is not a registered member, he or she goes to the member registration screen and goes through the prescribed member registration process.

If you log in normally with the given ID and password, the user is authenticated as a member and moves on to the next step.

Step 3 :

The user who has completed member authentication in the second step sees the main screen shown in FIG. 3. The main screen includes the general menu of [Company Introduction (200)], [Building Fire Insurance Registration (201)], which moves to the insurance registration screen, and [Building Fire Insurance Contract Conclusion Window (202)], which shows insurance contract details. It can be composed of [Consultation and Inquiry (203)], where you can ask questions, and [Building Fire Insurance Insurance Information (204)], where you can get insurance information on overall building fire insurance.

For reference, when an administrator connects using an administrator terminal, an administrator map screen configured as shown in FIG. 4 may be provided.

Step 4:

Users who are certified as members can click the desired menu on the main screen in the third step above to enter fire insurance registration, or if they have already signed a contract, they can check the details of the insurance contract and consult through the bulletin board.

You can also obtain general information on building fire insurance through the [Building Fire Insurance Insurance Information] section.

Now, explaining the fire insurance registration input process, the user selects [Building Fire Insurance Registration] (201) to enter the insurance registration.

The user encounters an insurance contract registration input screen as exemplarily shown in FIG. 5.

The user enters the registrant information (301) and registration information (302) such as building classification (303), location (304), and area (305), and the insurance period (312) for which the user wishes to obtain insurance and the insurance payment amount by cycle. Enter (313), etc. The periodic insurance payment 313 may be configured as an annual insurance payment as shown in FIG. 5, or may be configured monthly, quarterly, semi-annually, etc.

When you enter the location (304) and area (305) at the bottom of the registration information (302) for the actual transaction price, the probate contract database (65) of the city/county/district server (60) is automatically searched and displayed on the screen. However, this is not performed at this stage. No. When the actual transaction price of the building is searched, the loss coverage amount (310) is simultaneously calculated and displayed on the screen. In addition, if a fire insurance incident occurs after subscription and a reason for payment of insurance money arises, the received insurance money (311) is displayed on the screen.

At the bottom of the insurance contract details (308), a selection box (314) for automatic contract extension is displayed on the screen, and the user can select between “Yes” and “No.” When the input of the contract details is completed, the input information is stored in the subscription details database 36 of the insurance contract central server 30.

Step 5:

After basic information input for insurance registration in the fourth step above (registrant information, location and area of registration information, insurance period, insurance payment by cycle) is completed, the insurance contract central server 30 evaluates the user's credit status. A request is made to the institutional server (40).

If information that the user's credit status is poor is transmitted from the credit rating agency server 40 to the insurance contract central server 30, the insurance contract central server 30 reflects this in determining whether the contract is concluded.

In addition, the insurance contract central server 30 outputs a registration impossible message on the screen of the user terminal 10, as shown in FIG. 6(a).

Step 6:

If there is no problem with the user's credit status in the fifth step, the insurance contract central server 30 requests the court registration server 50 for information on the building owner of the lot number of the building for which real estate fire insurance is desired.

The insurance contract central server 30 checks whether the user and the building owner match from the court registration server 50 and reflects it in whether or not the insurance contract is concluded. If the user and the building owner do not match, a registration impossible message as shown in FIG. 6(b) is displayed on the screen of the user terminal 10.

Step 7 :

In the sixth step, when it is confirmed that the user matches the owner of the building, the insurance contract central server (30) sends the actual transaction in the probate contract of the building number for which the user wishes to register fire reinsurance for the building to the city/county/district server (60). will request information.

If there is no probate contract for the building in question, request the publicly announced standard land price for the building.

Step 8 :

The insurance contract central server 30 calculates the compensation amount by checking the actual transaction price or the publicly announced standard land price of the building retrieved from the city/county/district server 60 in the 7th step. At this time, the actual transaction price (306) on the screen as shown in FIG. 5 ) column, and the loss guarantee amount (310) is displayed on the screen of the user terminal (10).

If the actual transaction price cannot be searched in step 7 above, the publicly announced standard land price of the relevant building is displayed in the actual transaction price.

Step 9 :

By checking the building register information of the building retrieved from the city/county/district server (60), the pillar structure, roof structure, and exterior wall structure of the building are identified, the risk level is calculated, and the industry type in the insurance rate table is determined based on the main industry listed in the building register. do.

Step 10 :

If the building in question is a general building, perform the following 11 steps. If the building corresponds to a special building, the insurance contract central server (30) connects to the fire department server (80) for the special building for which the user wants to register insurance, requests data on whether the building complies with the fire law, and provides insurance. It is determined whether registration is possible.

Step 11:

If the building in question is a general building or a special building is determined to be eligible for real estate fire insurance registration in step 10 above, connect to the public certification agency server and receive an electronic signature.

If the building for which the user wishes to register for insurance is determined to be uninsurable because it does not comply with the provisions of the Fire Act according to the results of the examination through the 9th to 10th steps, the user may display FIG. 6 on the screen of the user terminal 10. You will see a registration impossible message like (c).

Step 12:

Information entered by the user is stored in the subscription history database 34 of the insurance contract central server 30. Additionally, information received by requesting from the external servers can be stored together. The data stored in the subscription history database (34) is sent to the insurance agency server (100).

Step 13 :

If any of the data sent to the insurance agency server (100) in step 12 matches the product information stored in the insurance agency server (100), it is stored in the insurance contract database (105) after conclusion of the contract, and the insurance contract central server (30) ) will send the contract conclusion details.

If the search does not match the product information stored in the insurance agency server 100, the user may be configured to find the closest product information within a predetermined range agreed upon in advance and enter into a contract. In this case, there may be changes in the insurance payment amount, insurance period, and insurance receipt amount by cycle.

Step 14 :

The contract details transmitted in step 13 are stored in the subscription details database 34.

In addition, the contract details concluded are transmitted to the user terminal 10, the user's email, text message, etc. That is, for example, the contract details are output on the user screen as shown in FIG. 7, so that the user can confirm the details of the contract.

If the contract has not been concluded in the transmitted contract details, the user can proceed with the insurance subscription process anew by notifying the user of the fact and presenting the main screen of the third step again.

Below, the automatic contract extension method among the real estate fire insurance contract methods of the present invention will be described. The automatic real estate fire insurance contract extension method of the present invention relates to a method in which the contract is automatically extended when a certain point arrives without any input or writing from the subscriber before the expiration date of the fire insurance coverage. In addition, a review is conducted as needed, and contract extensions are selectively carried out based on the results of the review. In addition, the contract details of the extended contract are transmitted to the user terminal 10.

The automatic contract extension method for real estate fire insurance of the present invention includes an automatic extension step 1 of checking contract information whose expiration date is less than a preset period, an automatic extension step 2 of extracting contract information agreed to the automatic contract extension service, and insurance contract. The basic steps are 3 steps of automatic extension in which the central server 30 determines whether the contract can be extended, 4 steps of automatic extension that change the expiration date in the contract information for which contract extension has been approved, and 5 steps of automatic extension that save the contract details with the changed expiration date. It consists of:

The detailed steps will be described below with reference to FIGS. 8 and 9.

Automatic extension stage 1 (S1):

The insurance agency server 100 extracts contract details from the insurance contract database 105 where the insurance maturity date remains less than a preset period. Alternatively, the insurance agency server 100 may extract the contract details for which the insurance maturity date is less than the preset period from the contract details that have agreed to the insurance's automatic contract extension service.

The insurance agency server 100 can program the automatic extension time based on the expiration information recorded in the subscriber's contract details or specify the automatic extension processing date of the contract.

The data of the extracted contract details is transmitted to the insurance contract central server (30). That is, for example, the insurance agency server 100 can automatically extract contracts with an insurance maturity date of less than one month remaining and transmit the contract details to the insurance contract central server 30.

Automatic extension stage 2 (S2):

The insurance contract central server 30 classifies subscription details that have agreed to the automatic contract extension service and those that have not agreed, and extracts the subscription details of subscribers who have agreed to the insurance's automatic contract extension service.

Continue to the steps below for the extracted details, and if you do not agree to the automatic contract extension service, an expiration date notification message is sent to the relevant user terminal and the automatic extension process is terminated.

Meanwhile, extraction of data agreeing to automatic extension of the contract may be performed on the insurance agency server 100, and automatic extension stage 1 and automatic extension stage 2 do not necessarily have to be performed sequentially, and the two stages may be carried out simultaneously.

Automatic extension stage 3 (S3):

The insurance contract central server (30) uses a credit rating agency server (40), a court registration server (50), a city/county/district server (60), a fire department server (80), and a damage control server (80) to determine the appropriateness of the insurance extension contract as needed. By accessing the assessment agency server 90, etc., a step can be performed to determine whether the relevant contract details are suitable for extension of fire insurance. The detailed review process may vary depending on the type of building in question.

As one of the detailed steps, the insurance contract central server 30 requests the credit rating agency server 40 for the subscriber's credit status extracted in the automatic extension step 2, and sends the subscriber's credit status to the insurance contract central server 30. ) can be transmitted to. If information that the subscriber's credit status is poor is transmitted from the credit rating agency server 40 to the insurance contract central server 30, an automatic contract extension impossible message as shown in FIG. 10(a) is transmitted to the user terminal 10.

Alternatively, as another detailed step, a request is made to the court registration server (50) to confirm the building right holder using the address number of the subscriber's building. The insurance contract central server 30 receives data from the court registration server 50 on whether the subscriber matches the owner of the building. If the owner of the building in question does not match the subscriber, an automatic contract extension impossible message as shown in Figure 10(b) is transmitted to the user terminal 10.

If the owner of the building in question matches the subscriber, the insurance contract central server 30 can further conduct screening depending on the type of building or transmit data to the insurance agency server 100 to approve extension of the contract.

Alternatively, as another detailed step, if the subscriber's building in question is a special building, the insurance contract central server 30 connects to the fire department server 80 and requests data on whether the building complies with the fire protection law to reimburse fire insurance. You can determine whether registration is possible. If the fire law is not followed, an automatic contract extension impossible message as shown in Figure 10(c) is transmitted to the user terminal 10.

Additionally, if the building of the subscriber for whom fire insurance is to be automatically extended is a general building, the fire department server 80 may check whether or not it has been inspected for safety and reflect it in the insurance premium discount.

In addition, the insurance contract central server 30 may further include at least one of the following steps of extending examination and recalculating insurance premiums.

That is, as another detailed step, the insurance contract central server 30 can inquire the accident history of the relevant building from the damage assessment agency server 90 and reflect it in the examination of extension of fire insurance and recalculation of insurance premiums.

Alternatively, as another detailed step, the insurance contract central server 30 may request building ledger information from the city/county/district server 60. Upon receiving the building ledger information of the building in question from the city/county/district server 60, information on the main use, main structure, remodeling, etc. of the building in question can be checked, and if any changes are found, the insurance premium can be recalculated.

Alternatively, as another detailed step, the user can use the interior and exterior photo information of the building re-registered to determine the type of business on the insurance rate table, identify the management status, rate the building, and recalculate the fire insurance premium.

Meanwhile, the automatic extension step 3 is a step that can be performed as needed, and may be partially or entirely omitted.

Automatic extension stage 4 (S4):

The insurance agency server 100 extracts subscription details data from the insurance contract database 105 corresponding to the subscription details data transmitted from the insurance contract central server 30 and sets the expiration date of the extracted subscription details in predetermined extension units. Change it to the extended date and save it. The predetermined extension unit may be, for example, 1 year or 2 years.

Additionally, the recalculated insurance premium may be reflected and stored in the subscription history data.

Step 5 of automatic extension:

The subscription history data changed in the automatic extension step 4 is stored in the insurance contract database 105 and transmitted to the insurance contract central server 30.

The insurance contract central server 30 stores the changed contract details in the automatic extension database 36. The details of the automatically extended insurance contract conclusion are transmitted to the user terminal 10 or email, etc., as shown in FIG. 11.

Meanwhile, as a modified embodiment, in the first step of automatic extension, the insurance agency server 100 determines that among the contract details that have agreed to the automatic contract extension service of insurance, the expiration date of the insurance is less than the preset period. After extracting the remaining contract details, you can proceed directly to the automatic extension step 4 above, perform the procedure to change the expiration date of the subscription details to the extended date according to the predetermined extension unit, and proceed with the subsequent steps.

Hereinafter, the main screen that the user first encounters when accessing the insurance contract central server 30 in the present invention will be exemplarily described with reference to FIG. 3.

The main screen includes [Company Introduction (200)], which consists of general introduction information such as CEO greetings, company location information, notices, and contact information, and registration procedures for signing up for insurance for the real estate fire insurance contract system and method of the present invention. [Building Fire Insurance Registration (201)], [Building Fire Insurance Contract Window (202)] showing already registered insurance contract details, and [Consultation and Inquiry (203)] allowing inquiries using the bulletin board, and Building Fire Insurance It consists of [Building Fire Insurance Insurance Information (204)], which provides information on insurance in general.

If you click on [Building Fire Insurance Registration (201)] above, you can see the [Insurance Contract Registration Entry (300)] screen shown in Figure 5. In this screen, users who wish to sign up for insurance are government agencies & corporations & private organizations, Enter the registrant information (301), which consists of the representative's name, corporate registration number, and contact information, as well as the location (304) and area (305) at the bottom of the registration information (302). At the bottom of the screen, check whether automatic contract extension (314) is available. It is configured so that you can click to select between 'Yes' and 'No'.

After completing the information input for the above insurance subscription, the user clicks Register (316) and can also click Cancel (317) to cancel the input and return to the main screen.

The [Building Fire Insurance Contract Conclusion Window (202)] above is a menu that allows users who have already acquired building fire insurance to check the details of their insurance contract. When clicked to enter, the [Insurance Contract Registration Contract Status (Contract Status) as shown in Figure 7. 400)].

[Insurance contract registration contract status (400)] shown in Figure 7 also appears in the last 16th step of the insurance subscription process of the present invention shown in Figure 2. As shown in Figure 7, the user receives registrant information (401) consisting of government agency & corporation & private group, representative name, corporate registration number, and contact information, and registration information (402) consisting of location (404) and area (405) of the registration. ), actual transaction price (409), guaranteed loss amount (410), insurance money received (411), insurance period (412), annual insurance payment (413), insurance contract details (408), contract insurance company (415), annual insurance You can see the insurance contract details (414) consisting of the payment amount (416), insurance period (417), insurance receipt amount (418), and contract number (419). In addition, for subscribers who have agreed to automatic contract extension of fire insurance, an information window 420 is displayed at the bottom of the insurance contract details 414, informing them that the contract is automatically extended.

As shown in FIG. 3, on the main screen, the [building fire insurance insurance information 204] includes [insurance information (insurance terms)], where the user can search for insurance information (insurance terms and conditions) of each insurance company, and information on the building in question. It consists of [Building Information], which allows you to search, [Damage Assessment and Loss Appraisal], which allows you to access the damage assessment agency server and view the damage assessment details of the building that suffered a fire loss, and [Damage Assessment and Loss Appraisal]. ] can be viewed by an insured user who has suffered a fire disaster, or the viewing information can be provided to an insurance agency that must calculate the loss amount of the building that has suffered a fire disaster.

The manager map provided when the manager accesses the insurance contract central server 30 may be configured as shown in FIG. 4. The administrator map includes environmental settings (210) consisting of administrator basic information and public authentication settings that enable administrator settings of the server, notices (211) displayed to users connecting to the insurance contract central server (30), It consists of bulletin board settings (212), which manages postings related to consultation and inquiries, member management (214), and statistics (215), which manages the number of visitors.

The administrator can access the environment settings (210) through the insurance contract central server (30) to periodically patch programs or remove viruses or malware for stable operation of the server, and set up a bulletin board for users. You can easily manage existing or new members through bulletin board management at (212) or member management (214).

Meanwhile, in the present invention, the insurance contract central server 30 and the insurance agency server 100 are not limited by the owner or placement location. That is, for example, one entity can configure the present invention by providing both the insurance contract central server 30 and the insurance agency server 100, and a plurality of entities can configure the insurance contract central server. (30) Alternatively, the present invention can be configured by individually owning the insurance agency server (100) and connecting them through a network. The present invention should be construed as including all of these embodiments unless there is an explicit limitation in the scope of the claims.

In addition, the description of the present invention described above is for illustrative purposes, and those skilled in the art will understand that the present invention can be easily modified into other specific forms without changing the technical idea or essential features of the present invention. You will be able to. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. For example, each component described as single may be implemented in a distributed or divided form, and similarly, components described as distributed or divided may also be implemented in a combined form within the range understood by a person skilled in the art. there is. Additionally, the method steps may be performed multiple times alone or in combination with at least one other step.

The scope of the present invention is indicated by the patent claims described below, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention.

10: User terminal 15: Administrator terminal
20: Internet 25: Dedicated line
30: Insurance contract central server 32: Member database
34: Subscription history database 36: Automatic extension database
40: Credit rating agency server 45: Credit rating database
50: Court registration department server 55: Register database
60: City/county/district server 65: Probate contract database
66: Tax database 67: Building ledger database
70: Public certification authority server 75: Public certification database
80: Firefighter server 85: Firefighter database
90: Damage adjusting agency server 95: Damage adjusting agency database
100: Insurance agency server 105: Insurance contract database

Claims (6)

In the real estate fire insurance contract system,
an insurance contract central server 30 to which the user terminal 10 or the administrator terminal 15 is connected and which controls the insurance contract process; and,
A member database (32) connected to the insurance contract central server (30) and storing members' personal information;
A subscription history database (34) connected to the insurance contract central server (30) and storing subscription details of insurance that members wish to subscribe to;
an automatic extension database (36) connected to the insurance contract central server (30) and storing insurance subscription details for which automatic extension of insurance has been agreed;
It is connected to the insurance contract central server (30) and searches for relevant data in the subscription history database (34) of the insurance contract central server (30) to conclude fire insurance, using information entered by the user and previously stored product information. If there is no match, the insurance agency server (100) finds the closest product information, stores it in the insurance contract database (105) after signing the contract, and transmits the contract conclusion details to the insurance contract central server (30);
It is configured to include an insurance contract database (105) in which insurance details of contracts concluded through the insurance agency server (100) are stored,
The insurance contract central server 30 is connected to the credit rating agency server 40, and when an individual's credit inquiry is required, it requests the individual's credit information from the credit rating agency server 30, and the credit rating agency server ( 40) searches the credit rating database 45 and provides the corresponding credit information to the credit rating agency server 30,
The insurance contract central server (30) is connected to the court registration department server (50) and requests registration data of a predetermined address from the court registration department server (50), and the court registration department server (50) stores the registry database (55). Searches and provides registration data for the address requested by the insurance contract central server (30),
The insurance contract central server 30 is connected to the city, county, and district server 60 and requests at least one of the probate contract information of the relevant lot number, the publicly announced price of the standard land of the relevant building, tax-related information, and building ledger information from the city, county, and district server 60. And, the city, county and district server 60 searches the probate contract database 65 and provides information on the probate contract requested by the insurance contract central server 30, or the city, county and district server 60 searches the tax database 66 and provides information on the probate contract requested by the insurance contract central server 30. The city/county/district server 60 provides the publicly announced land price or tax-related information for the relevant building as requested by the insurance contract central server 30, or searches the building ledger database 67 and provides the building ledger for the relevant building requested by the insurance contract central server 30. Provides information,
The insurance contract central server 30 is connected to the public certification authority server 70 to confirm the member's identity and request an electronic signature with legal effect from the public certification authority server 70, and the public certification authority server 70 (70) searches personal authentication-related data stored in the public authentication database (75) and provides a response to the electronic signature requested by the insurance contract central server (30),
The insurance contract central server (30) is connected to the fire department server (80) and the member requests the fire department server (80) to confirm whether the building complies with the fire law, and the fire department server (80) A real estate fire insurance contract system, characterized in that it searches the fire department database (85) and provides fire law inspection information for the building requested by the insurance contract central server (30).
According to paragraph 1,
The insurance contract central server (30) is connected to the damage assessment agency server (90) and requests damage assessment information for the building of the insured member who suffered a fire disaster, and the damage assessment agency server (90) is connected to the damage assessment agency database. A real estate fire insurance contract system, characterized by searching for (95) and providing the stored damage assessment details to the insurance contract central server (30) when a fire occurs in an insured building.
In the method of contracting real estate fire insurance,
A user connection step in which the user connects to the insurance contract central server (30) through the Internet network using the user computer (10); and,
A registered member confirmation step of checking whether the user connected to the user computer 10 is a member and moving to the next step if the user is a member, and moving to the membership registration screen if the user is not a registered member;
When it is confirmed that the connected user is a member, a main screen presentation step of displaying a main screen including a real estate fire insurance registration (201) and a real estate fire insurance contract conclusion window (202);
A user information input step in which the user identified as the member inputs or requests desired information;
If the information entered by the user is information about real estate fire insurance, a user credit check step in which the credit status of the user who entered the information is requested from the credit rating agency server 40 to check the credit status of the user who entered real estate fire insurance. ;
If there is no problem with the user's credit status, a right holder confirmation step of confirming whether the user and the building right holder match by requesting confirmation of the right holder of the building to the court registration server 50 using the address of the building for which real estate fire insurance registration has been requested;
When it is confirmed that the user is the right holder of the building, a real estate transaction confirmation step of requesting information on the actual transaction price or publicly announced standard land price and building ledger information in the probate contract for the lot number of the building for which the user wants to register fire insurance to the city/county/district server 60;
A compensation calculation step of calculating the compensation amount by checking the actual transaction price or the publicly announced price of the standard land in the probate contract retrieved from the city/county/district server 60;
If it is determined that registration of real estate fire insurance is possible based on the information confirmed in the previous steps, access the public certification agency server, obtain an electronic signature, and enter the information entered by the user into the subscription history database 34 of the insurance contract central server 30. A user signature step for storing the user's insurance contract information including information;
An insurance contract processing request step of sending the user's insurance contract information stored in the subscription history database (34) to the insurance agency server (100);
Regarding the user's insurance contract information sent to the insurance agency server 100, if any of the product information stored in the insurance agency server 100 matches the contract conditions, the contract is concluded and stored in the insurance contract database 105, and the insurance An insurance contract conclusion step of transmitting contract conclusion details to the contract central server (30);
An insurance contract post-processing step of storing the transmitted contract details in the subscription history database 34 or transmitting them to the user terminal 10 and providing them,
The information entered by the user in the user information input step includes information on whether the user consents to automatically extending the expiration date of the insurance contract, so that the expiration date of the relevant insurance contract is extended in predetermined extension units before the expiration date of the user's insurance contract. A real estate fire insurance contract method characterized by performing automatic extension processing to automatically change to the extended date.
According to paragraph 3,
A real estate fire insurance contract method, characterized in that if registration is determined to be impossible in at least one of the user credit verification step and the right holder confirmation step, a registration impossible message is displayed on the screen of the user computer (10).
According to paragraph 3,
A real estate fire insurance contract method, characterized in that the insurance contract details that have been automatically extended are stored in the automatic extension database (36), displayed on the screen on the user terminal (10), or notified to the user by email or text message.
According to paragraph 3,
The automatic extension process is,
Requesting building ledger information from the city/county/district server (60) and recalculating the insurance premium when changes to the building are confirmed in the building/drug information retrieved from the city/county/district server (60); and
If the building corresponds to a special building, accessing the fire department server (80) to check compliance with the fire law and determining whether automatic extension of real estate fire insurance is suitable;
A step of checking the accident history of the relevant building from the damage assessment agency server 90 and reflecting it in the examination of fire insurance subscription and recalculation of insurance premiums; Perform a review that includes at least one of the following,
A real estate fire insurance contract method, characterized in that automatic extension of the contract is selectively performed or automatic extension of the contract is performed including the recalculated insurance premium according to the results of the above examination.