KR20240003789A - Payment after prior contract Fire insurance contract system and method - Google Patents

Abstract

The present invention relates to a pre-contract and payment fire insurance contract system and method in which the policyholder pays the insurance premium in advance at the insurance contract management server when signing up or renewing a fire insurance product, and the policyholder pays the insurance premium later. The purpose of this is when the policyholder does not receive guidance on applying for renewal due to contract expiration from the insurance company's staff when the expiration time approaches, when the policyholder fails to visit the insurance company when the maturity time approaches, and when the policyholder does not have enough money to pay the insurance premium. In case of failure to sign up for insurance, the insurance contract management server first pays the premium and ensures that the policyholder subscribes to insurance, so that the policyholder does not incur a fine from administrative agencies, and even if a fire accident occurs, compensation is received from the insurance company. We want to provide a fire insurance contract system where you can receive pre-subscription and then pay.

Description

{Payment after prior contract Fire insurance contract system and method}

The present invention relates to a fire insurance contract system and method for payment after pre-contract. More specifically, when a policyholder subscribes to or renews a fire insurance product, the insurance contract management server pays the insurance premium in advance on behalf of the insurance company, and the policyholder pays the insurance premium in advance on behalf of the insurance company. It relates to a fire insurance contract system and method for paying premiums in advance and payment after contract.

Insurance companies that used to conduct business offline are providing web services so that contracts or designs for various insurance products can be performed online. Interest among users is increasing due to the convenience of meeting an insurance planner offline and receiving explanations about various insurance products without having to sign an insurance contract or plan.

In general, insurance means a guarantee that compensation will be made for damages, and it means saving a certain amount of insurance premiums in case a lump sum is needed due to an unexpected accident and then covering the needs of the policyholder who has suffered an accident. With the development of information and communications, direct insurance emerged online, in which users search for insurance products online and make insurance contracts offline. However, since this method also requires offline procedures, policyholders had to endure significant inconvenience.

Multi-use facilities and special buildings are required to have fire insurance, and these fire insurance contracts are usually signed on a yearly basis. Therefore, policyholders must renew their insurance contracts every year, and each time the insurance contract is renewed, the policyholder must manually enter the insurance subscription conditions.

When the insurance contract expiration period approaches, the insurance company calls or sends a text message to the policyholder to inform them that the contract has expired. However, if the policyholder's phone number changes, guidance cannot be received, and even if the policyholder has received guidance, there is a problem in that the insurance contract cannot be renewed if the policyholder fails to visit the insurance company or does not have the money to pay the insurance premium.

If the mandatory fire insurance contract is not concluded or expires without being renewed due to various reasons, the policyholder's credit rating will be lowered and a fine from the administrative office will be imposed. If the fire insurance separately purchased by the policyholder expires without being renewed, the policyholder may be liable for an accident or accident. There is a problem that compensation cannot be received from insurance companies when a disaster occurs.

1. Republic of Korea Patent Publication No. 10-0902168 (“Method for brokering fire disaster compensation insurance contracts for real estate special buildings using the Internet”, 2009.06.03.)

The present invention was created to solve the above problems, and the purpose of the present invention is to, when the expiration time approaches, if the policyholder does not receive guidance on applying for renewal according to contract expiration from the insurance company employee, when the expiration time arrives, the policyholder In cases where the policyholder fails to subscribe to insurance due to various reasons, including failure to visit the insurance company or lack of money to pay the premium, the insurance contract management server first pays the premium and the policyholder subscribes to the insurance. As much as possible, the purpose is to provide a fire insurance contract system and method that allows the policyholder to receive compensation from the insurance company even in the event of a fire accident without incurring fines from administrative agencies.

The pre-contract and payment fire insurance contract system according to the present invention is equipped with an insurance contract process, and the insurance contract management server performs the insurance contract process according to the installed insurance contract process, wherein the insurance contract management server concludes the insurance contract. It is equipped with a process for advance payment of insurance premiums, and is connected to a membership database that stores personal information of policyholders entered through a policyholder terminal connected by communication means and a contract database that stores contract information concluded through the insurance contract conclusion process, Request and receive information from external servers connected to each other through a plurality of external servers and communication means, check the conditions for advance payment of premiums for the insurance contract to be subscribed or renewed through the insurance contract process, and check the conditions for advance payment of premiums For insurance contracts that satisfy the conditions, the insurance premium is paid in advance and the insurance is subscribed or renewed.

In addition, whether the premium prepayment conditions are satisfied is confirmed by comparing information stored in the member database and the contract database with information received by requesting from the external server.

In addition, the external server is connected to and communicates with the insurance contract management server through a communication means, and receives a signal requesting the policyholder's credit information transmitted from the insurance contract management server, among the credit information stored in the credit rating agency database. a credit rating agency server that transmits the policyholder's credit information to the insurance contract management server; It is connected and communicates with the insurance contract management server by means of communication, receives a signal requesting real estate registration information from the insurance contract management server, and among the real estate registration information stored in the court registration database, the real estate registration information of the building for which the policyholder wishes to subscribe to insurance. a court registration server that transmits to the insurance contract management server; It is connected and communicates with the insurance contract management server through a communication means, and receives signals requesting insurance premium payment information and insurance claim information sent from the insurance contract management server, among the premium payment information and insurance claim information stored in the insurance association database. an insurance association server that transmits the policyholder's insurance premium payment information and insurance claim information to the insurance contract management server; It is connected and communicates with the insurance contract management server through a communication means, receives a signal requesting information on compliance with the fire law from the insurance contract management server, and complies with the fire law of the building for which the contractor wishes to subscribe to insurance among the information on compliance with the fire law stored in the National Fire Agency database. a fire department server that transmits availability information to the insurance contract management server; And it is connected and communicates with the insurance contract management server by a communication means, receives a real estate price information request signal transmitted from the insurance contract management server, and receives the real estate price information stored in the real estate price information database that the policyholder wishes to subscribe to insurance. and a real estate price information providing server that transmits real estate price information of the building to the insurance contract management server.

The pre-contract and payment fire insurance contract method according to the present invention includes an initial insurance contract step in which the policyholder's terminal is connected to the insurance contract management server and a fire insurance contract for a certain period is concluded; An expiration time confirmation step of checking whether the insurance contract concluded in the first insurance contract step has reached maturity; It is carried out when the expiration time is confirmed in the expiration point confirmation step, and when proceeding with the first insurance contract step, it is automatically checked whether the policyholder terminal agrees to automatic renewal when the expiration date of the relevant insurance contract arrives. Confirmation of renewal agreement; If it is confirmed that you agree in the auto-renewal agreement confirmation step, the process will proceed. The policyholder's personal information and real estate information will be re-collected and the policyholder's personal information collected at the initial insurance contract stage and stored in the database of the insurance contract management server. A first renewal condition confirmation step of comparing the and real estate information to check whether the conditions allow the insurance contract to be renewed; If it is confirmed that the renewal conditions are satisfied in the first renewal condition confirmation step, the insurance contract management server allows the policyholder to subscribe by paying the premium in advance to the insurance company selling the insurance product for which the policyholder is renewing and signing up. A pre-insurance contract stage in which a sufficient amount of receivables are generated; and an insurance contract expiration step, which is performed when it is confirmed that the renewal conditions are satisfied in the first renewal condition confirmation step, and the insurance contract is terminated on the insurance contract expiration date.

In addition, the fire insurance contract method using the pre-contract post-payment fire insurance contract system is carried out when it is confirmed that the user does not agree in the automatic renewal agreement confirmation step, and the insurance contract management server sends an insurance contract to the contractor terminal. A notification transmission step of sending a notification informing that the expiration time of has arrived; A product that re-collects the policyholder's personal information and real estate information and compares the policyholder's personal information and real estate information collected at the initial insurance contract stage and stored in the database of the insurance contract management server to confirm whether the insurance contract can be renewed. 2Check renewal conditions; And if it is confirmed that the renewal conditions are satisfied in the second renewal condition confirmation step, the insurance contract management server prepays the premium to the insurance company that sells the insurance product for which the policyholder is renewing and subscribes to the policyholder, and allows the policyholder to subscribe. It is characterized in that it further includes a pre-insurance contract step in which a bond equal to the insurance premium is generated.

In addition, in the first renewal condition confirmation step or the second renewal condition confirmation step, the policyholder's credit evaluation information, real estate registration information, insurance premium payment details, and insurance claims at the time of signing the first insurance contract and at the time of maturity of the insurance contract. It is confirmed based on one or more criteria among the history and compliance with the fire law, and the insurance contract is renewed for contracts that satisfy all the insurance contract renewal conditions for which the insurance premium already registered in the insurance contract management server is paid in advance.

In addition, the first insurance contract step is a connection step in which the insurance contract management server is connected through the policyholder terminal, the personal information of the policyholder connected through the policyholder terminal is entered into the insurance contract management server, and the personal information is input based on the personal information. A personal authentication step in which personal authentication is performed, an insurance contract progress screen output step in which a screen for proceeding with an insurance contract is displayed on the contractor terminal, and a screen printed on the contractor terminal contains the contractor's personal information and the building for which insurance is to be subscribed. An information input step in which subscription information including one or more selected from real estate information, coverage, and additional special terms and conditions information is input, the insurance contract management server requests the credit rating agency server for the policyholder's credit information, and the credit The rating agency server transmits the policyholder's credit information to the insurance contract management server, and the insurance contract management server checks first credit information to determine whether insurance can be purchased based on the policyholder's credit information transmitted from the insurance association server. Step, the insurance contract management server requests the court registration department server for registration information of the real estate for which the policyholder wishes to subscribe to fire insurance, the court registration department server transmits the real estate registration information to the insurance contract management server, and the insurance contract is contracted. The first real estate registration information confirmation step in which the management server checks whether the right holder registered in the real estate registration information matches the policyholder wishing to subscribe to fire insurance based on the real estate registration information transmitted from the court registration server, and the insurance contract management server Request the policyholder's insurance premium payment details and insurance claim details to the insurance association server, transmit the policyholder's insurance premium payment details and insurance claim details from the insurance association server to the insurance contract management server, and send the policyholder's insurance contract management server to the insurance contract management server. The first insurance premium payment details and insurance claim details confirmation step to check whether the policyholder can subscribe to insurance based on the policyholder's insurance premium payment history and insurance claim history sent from the association server; the insurance contract management server determines whether the policyholder wants to subscribe to fire insurance; Information on whether the building complies with the fire law is requested from the National Fire Agency server, and the fire service server transmits the information on compliance with the fire law to the insurance contract management server, and the insurance contract management server based on the fire law compliance information transmitted from the fire department server. A step of checking compliance with the First Fire Protection Act to check whether insurance can be purchased, and a first real estate price receiving step where the insurance contract management server receives real estate price information of the building for which the policyholder wishes to subscribe to fire insurance from the real estate price information provision server. , a first insurance product reception step in which the insurance contract management server receives at least one insurance product that the policyholder can subscribe to from a plurality of insurance company servers, selecting one insurance product by the policyholder among the at least one or more insurance products output to the policyholder terminal. It is characterized by including a step of selecting the selected insurance product and an insurance contract conclusion step in which information related to insurance contract progress is stored in the database of the insurance contract management server.

In addition, in the first renewal condition confirmation step or the second renewal condition confirmation step, the insurance contract management server requests the credit rating agency server for the policyholder's credit information, and the insurance contract management server requests the policyholder's credit information from the credit rating agency server. A second credit information confirmation step in which the policyholder's credit information is transmitted to the insurance contract management server and the renewal conditions are confirmed based on the policyholder's credit information transmitted from the insurance association server, and the insurance contract management server is sent to the court registration department. A second real estate registration information confirmation step in which renewal conditions are confirmed by comparing real estate registration information at the time of maturity transmitted from the server with real estate registration information at the time of insurance contract conclusion stored in the database of the insurance contract management server, the insurance contract management server Request the policyholder's insurance premium payment details and insurance claim details to the insurance association server, transmit the policyholder's insurance premium payment details and insurance claim details from the insurance association server to the insurance contract management server, and send the policyholder's insurance premium payment details and insurance claim details to the insurance contract management server. The second insurance premium payment details and insurance claim details confirmation step is to check the renewal conditions based on the policyholder's insurance premium payment details and insurance claim details sent from the insurance association server, and the insurance contract management server is sent to the building where the policyholder wants to renew fire insurance. Information on compliance with the Fire Service is requested from the Fire Service server, and the Fire Service server transmits the information on compliance with the Fire Service to the insurance contract management server, and the insurance contract management server updates based on the information on compliance with the Fire Service sent from the Fire Service server. It is characterized by including a step of checking compliance with the Second Fire Protection Act to check the conditions.

In addition, in the first renewal condition confirmation step or the second renewal condition confirmation step, the insurance contract management server sends the real estate market price at the time of expiration of the insurance contract of the building for which the policyholder wishes to renew fire insurance to the real estate price information provision server. The second real estate price receiving step of receiving information and the second credit information confirmation step, the second real estate registration information confirmation step, the second insurance premium payment details and insurance claim details confirmation step, the confirmation step of compliance with the second firefighting law, and the above Based on the information received in the second real estate price reception step, the insurance contract management server and a plurality of insurance companies communicate, and at least one insurance product that the policyholder can subscribe to by renewing the fire insurance is received by the insurance contract management server. It further includes an insurance product reception step, and the first insurance contract step is performed by matching the most appropriate insurance product to the policyholder among the insurance products received in the second insurance product reception step.

In addition, the pre-insurance contract step is an insurance product matching process in which the most appropriate insurance product for the policyholder among the at least one insurance product received by the insurance contract management server in the second insurance product reception step is matched by the insurance contract management server. Step, the insurance contract management server confirms that the pre-contract support amount for the pre-insurance contract remains at least a certain amount, and in the pre-contract support amount confirmation step, it is determined that the pre-contract support amount remains at least a certain amount. If confirmed, it is processed, and the insurance contract management server pays the insurance premium in advance to the insurance company selling the insurance product selected in the insurance product matching step. In the first insurance premium advance payment step, the premium paid in the first insurance premium advance payment step If it is confirmed that the claim has been paid in the first claim generation stage where the claim is accrued to the policyholder, the payment confirmation stage in which the insurance contract management server checks whether the policyholder has paid the accrued claim, and the payment confirmation stage, the insurance contract is finalized. It is characterized by a conclusion stage.

In addition, the pre-insurance contract step is carried out when it is confirmed that the pre-contract support amount remains below a certain amount in the pre-contract support amount confirmation step, and the insurance company's insurance server selling the insurance product selected in the insurance product matching step or An investment request step in which an investment request signal is transmitted to an external online investment server, a second insurance premium advance payment step in which the insurance company server or the online investment server pays the premium in advance to the insurance company selling the insurance product selected in the insurance product matching step, It further includes a second claim generation step in which a claim for the premium paid in the second insurance premium advance payment step is generated to the policyholder, and after the second claim generation step, the payment confirmation step is performed.

In addition, in the pre-insurance contract step, if it is confirmed that payment has not been made in the payment confirmation step, the repayment period for the generated bond is set to a standard number, and the number is counted one by one for each date that passes, and the number of times counted is A counting step that compares the standard number. If the number counted in the counting step is less than the standard number, the payment confirmation step is performed. If the number counted in the counting step exceeds the standard number, the amount of the receivable is added to the amount. It is characterized in that it further includes a bond generation step in which a predetermined late fee is generated and a bond is reissued in an amount that is the sum of the bond generation amount and the predetermined late fee.

The pre-contract post-payment fire insurance contract system and method of the present invention configured as described above is such that if the policyholder does not receive guidance on applying for renewal according to contract expiration from the insurance company employee when the expiration time approaches, the policyholder can In cases where the policyholder fails to sign up for insurance due to various reasons, including failure to visit the insurance company or lack of money to pay the premium, the insurance contract management server first pays the premium to the insurance company and the policyholder receives the insurance. This has the effect of preventing the contractor from being fined by administrative agencies and receiving compensation from the insurance company even if a fire accident occurs.

1 is a schematic diagram of a pre-contract and payment fire insurance contract system according to an embodiment of the present invention.
Figure 2 is a schematic diagram of the insurance contract management server of the pre-contract and payment fire insurance contract system according to an embodiment of the present invention.
Figure 3 is a flowchart of a fire insurance contract method using a pre-contract and payment fire insurance contract system according to an embodiment of the present invention.
Figure 4 is a flowchart of the first insurance contract stage of the pre-contract post-payment fire insurance contract method according to an embodiment of the present invention.
Figure 5 is a flowchart of the renewal conditions confirmation steps in the pre-contract and payment fire insurance contract method according to an embodiment of the present invention.
Figure 6 is a flowchart of the pre-insurance contract stage of the pre-contract post-payment fire insurance contract method according to an embodiment of the present invention.

Hereinafter, an embodiment of the present invention described above will be described in detail with reference to the drawings.

Figure 1 shows a schematic diagram of a pre-contract and then pay fire insurance contract system according to an embodiment of the present invention. As shown in Figure 1, the pre-contract and payment fire insurance contract system of the present invention can be accessed by the contractor through the contractor terminal 200, and includes an insurance contract management server ( 100).

The contractor terminal 200 used by the policyholder to access the insurance contract management server 100 is preferably a smartphone or a PC, and may also be a tablet PC or laptop. It is preferable that the contractor using the contractor terminal 200 is a member registered with the insurance contract management server 100.

The insurance contract management server 100 is a server equipped with an insurance contract process including initial insurance contract conclusion, review of renewal conditions upon expiration of the insurance contract, insurance contract renewal, and insurance contract expiration.

The insurance contract management server 100 is connected to a plurality of external servers 1 that receive information for concluding an insurance contract or reviewing the renewal of an insurance contract through a communication means such as the Internet, so that mutual communication is possible. The insurance contract management server 100 stores information received from the external server 1 or information input from the policyholder terminal 200.

The insurance contract management server 100 is preferably equipped with at least one backup server to prevent information received from the external server 1 and information entered by the policyholder through the policyholder terminal 200 from being lost.

Figure 2 shows a schematic diagram of the insurance contract management server of the pre-contract and payment fire insurance contract system according to an embodiment of the present invention. As shown in FIG. 2, the insurance contract management server 100 includes at least one database in which information is stored, and a member database 110 in which the personal information of the policyholder is stored and a contract in which the details of the insurance contract concluded are stored. It is desirable for information to be stored separately in the database 120.

As described above, the insurance contract management server 100 is connected to a plurality of external servers 1 through a communication means such as the Internet, and can transmit an information request signal to the external server 1, and receive information from the external server 1. It is formed to be able to communicate with each other so that it can receive.

First, the policyholder accesses the insurance contract management server 100 through the policyholder terminal 200 and applies for an insurance contract. At this time, the policyholder may check through the policyholder terminal 200 whether he or she agrees to the automatic renewal of the contract when the expiration date of the insurance contract approaches or not. The policyholder checks that he or she agrees to the automatic renewal of the insurance contract according to the present invention, and the insurance contract is automatically renewed only for contracts that satisfy the automatic renewal conditions at the time of expiration of the insurance contract.

At this time, the automatic renewal conditions that must be satisfied include several requirements, including changes in the policyholder's credit information, insurance premium payment history, and insurance claim details at the time of signing the first insurance contract and when the insurance contract expires. Therefore, not all insurance contracts that are checked as agreeing to automatic renewal are renewed, but only those that satisfy the automatic renewal conditions are automatically renewed.

Conversely, if the policyholder checks that he or she does not agree to the automatic renewal of the insurance contract according to the present invention, the insurance contract management server 100 connects the policyholder terminal 200 from the time it is confirmed that the expiration date has arrived until the expiration date. Since the expiration date of the insurance contract has arrived, you can access the insurance contract management server 100 to send a message or push notification to renew the insurance contract. The policyholder can view the message or push notification sent from the insurance contract management server 100 and renew the insurance contract by accessing the insurance contract management server 100 through the policyholder terminal 200. Similar to the automatic renewal of the insurance contract described above, after the policyholder accesses the insurance contract management server 100, changes in the policyholder's credit information, insurance premium payment history, insurance claim history, etc. can be collected to check whether the insurance can be renewed.

At this time, the insurance contract when renewed may be the insurance product of the insurance company that originally contracted, or it may be the insurance product of another insurance company that is most suitable for the policyholder at the time of expiration.

The insurance contract management server 100, one of a plurality of external servers 1, communicates with the credit rating agency server 10, one of a plurality of external servers 1, and the policyholder's credit rating. Sends a signal requesting information.

When signing or renewing a fire insurance contract for the first time, the policyholder's credit rating must be above a certain level in order for the insurance contract management server 100 to pay a certain premium in advance, so the credit rating agency of the credit rating agency server 10 The contractor's credit information is received among the credit information stored in the database 11.

In addition, the insurance contract management server 100 communicates with the court registration server 20, one of the plurality of external servers 1, and transmits a signal requesting information that is the right of the real estate for which fire insurance is to be subscribed. When the court registration server (20) receives a request signal for real estate rights information, it sends the real estate rights information corresponding to the request signal among the real estate rights information stored in the court registration department database (21) to the insurance contract management server (100). Send.

The insurance contract management server 100 compares the real estate rights information transmitted from the court registration server 20 with the policyholder information stored in the member database 110 or the contract database 120 to determine whether the rights holder of the real estate and the policyholder are Check if they match.

In addition, the insurance contract management server 100 communicates with the insurance association server 30, which is one of the plurality of external servers 1, and transmits a signal requesting insurance premium payment information and insurance claim information. When the insurance association server 30 receives a request signal for insurance premium payment information and insurance claim information transmitted from the insurance contract management server 100, the insurance association server 30 selects the policyholder's subscription among the premium payment information and insurance claim information stored in the insurance association database 31. Fire insurance premium payment information and insurance claim information are transmitted to the insurance contract management server 100.

The insurance contract management server 100 examines the insurance premium payment information and insurance claim information transmitted from the insurance association server 30, including fire insurance subscription history, number of times of non-payment of premiums, amount of unpaid premiums, number of insurance claims, compensation claim amount, etc. Check the insurance subscription conditions or insurance renewal conditions set based on at least one standard.

In addition, the insurance contract management server 100 communicates with the National Fire Agency server 40, which is one of the plurality of external servers 1, and transmits a signal requesting information on whether the real estate object for which the contractor wishes to subscribe to fire insurance complies with the fire law. do. When the National Fire Agency server 40 receives a signal requesting information on compliance with the fire law transmitted from the insurance contract management server 100, the fire department server 40 determines whether the property corresponding to the request signal complies with the fire law among the fire law compliance information of the real estate stored in the National Fire Agency database 41. Information is transmitted to the insurance contract management server (100).

The insurance contract management server 100 examines the fire law compliance information transmitted from the National Fire Agency server 40, checks whether the real estate object for which the contractor wishes to subscribe to fire insurance complies with the fire law, and confirms the insurance subscription conditions or insurance renewal conditions. Do it.

The insurance contract management server 100 communicates with the real estate price providing server 50, one of the plurality of external servers 1, and transmits a signal requesting real estate price information. When the real estate price providing server 50 receives a real estate price information request signal transmitted from the insurance contract management server 100, the real estate price information stored in the real estate price information database 41 is sent to the insurance contract management server 100. Send.

At this time, the real estate price information providing server 50 may be a KB price server or a city/county/district server in the area where the collateral is located.

In addition, the insurance contract management server 100 communicates with the online investment server 60, which is one of a plurality of external servers 1, and the insurance contract management server 100 sends the amount for prepayment of the premium to the online investment server ( 60) transmits the request signal. The online investment server 60 pays the insurance contract management server 100 the amount requested by the insurance contract management server 100.

The online investment server 60 pays the insurance premium in advance to the insurance company with the amount paid to the insurance contract management server 100, generates a bond to the policyholder, and the bond information is stored in the online investment database 61. At this time, in the present invention, the online investment server 60 may be an online investment business server or a savings bank server.

The insurance contract management server 100 includes information input from the policyholder terminal 200, information received from the credit rating agency server 10, the court registration server 20, the insurance association server 30, and the fire department server 40. Based on the real estate price information received from the real estate price providing server 50, the insurance contract is concluded by matching the most suitable fire insurance product among the fire insurance products sold by multiple insurance companies.

As the insurance contract process progresses, information collected from outside and information on insurance contract conclusion details are stored in the member database 110 and contract database 120 of the insurance contract management server 100. At this time, information on insurance contract conclusion details may be created and stored in the form of an electronic document.

Figure 3 shows a flowchart of a fire insurance contract method using a pre-contract and then pay fire insurance contract system according to an embodiment of the present invention. As shown in Figure 3, first, the initial insurance contract stage is performed in which the policyholder terminal 200 is connected to the insurance contract management server 100 and a fire insurance contract for a certain period is concluded. The information collected at the initial insurance contract stage is stored in the member database 110 and contract database 120 of the insurance contract management server 100. The information collected at the initial insurance contract stage includes information directly input from the policyholder terminal 200 and information collected while the insurance contract management server 100 communicates with a plurality of external servers 1.

At this time, in the fire insurance contract method using the pre-contract and pay fire insurance contract system of the present invention, even at the initial insurance contract stage, the insurance contract management server 100 first pays the premium to the insurance company with which the policyholder has entered into a contract, and then Insurance premiums can be paid by the policyholder.

An expiration point confirmation step is conducted to check whether the insurance contract concluded in the initial insurance contract stage has reached its maturity point. In the maturity point confirmation stage, the maturity point standard can be easily selected and applied by a person skilled in the art, such as one month before, two weeks before, or one week before the maturity date.

As an example, assume that the standard for the time of maturity is set to be 30 days before the maturity date. At the point where 30 days remain from the insurance contract expiration date, it is confirmed that the expiration point has arrived in the expiration point confirmation stage, and the confirmation stage of whether automatic renewal is agreed is performed. However, when there are more than 31 days left until the insurance contract expiration date, the automatic renewal agreement confirmation step is not performed, and the date counting step is performed.

The date counting step is a step to check whether the date has passed. When the day following the base date comes, the maturity point confirmation step is performed again. The maturity point confirmation step is carried out every day until the maturity point arrives by the date counting step.

If it is confirmed that the expiration point has arrived in the expiration point confirmation step, the confirmation step for automatic renewal is performed. When proceeding with the initial insurance contract stage, consent to automatic renewal is entered from the policyholder terminal 200 when the expiration date of the relevant insurance contract approaches, and this is stored in the contract database 120.

In the step of checking whether you agree to automatic renewal, if it is confirmed that you have agreed to automatic renewal at the time of the initial contract, the first renewal conditions confirmation step proceeds, and if it is confirmed that you did not agree to automatic renewal in the step of checking if you agree to automatic renewal, the insurance management contract server A notification transmission step is performed in which (100) transmits a message or push notification to the policyholder terminal (200) notifying that the expiration point of the insurance contract has arrived.

The second renewal condition is that the policyholder sees the message or push notification output to the policyholder terminal 200 in the notification transmission step, and the policyholder checks the renewal conditions by accessing the insurance contract management server 100 through the policyholder terminal 200. The confirmation step proceeds.

That is, whether the first renewal condition confirmation step and the second renewal condition confirmation step are performed automatically, or the policyholder connects to the insurance contract management server 200 through the policyholder terminal 200 to proceed with the second renewal condition confirmation step. The difference is that it depends on whether the input signal is input or not.

In the first renewal condition confirmation step and the second renewal condition confirmation step, the policyholder's personal information and real estate information are re-collected at the time of expiration, collected at the initial insurance contract stage, and stored in the member database 110 and contract database 120. This is the step to check whether the insurance contract is renewable by comparing the policyholder's information and real estate information.

There is at least one requirement that must be satisfied in the first renewal condition confirmation stage and the second renewal condition confirmation stage, including changes in the market price of real estate at the time of signing the first insurance contract and at the time of maturity of the insurance contract, insurance payment details, and insurance claims. Includes details, etc. Only policyholders who satisfy all of the multiple requirements confirmed in the first renewal condition confirmation stage and the second renewal condition confirmation stage can renew and conclude an insurance contract.

If it is confirmed that all requirements are satisfied in the renewal conditions confirmation stage, the insurance contract management server 100 allows the policyholder to subscribe by paying the premium in advance to the insurance company selling the insurance product to be renewed, and pre-insurance for which a bond is generated to the policyholder. The contract stage progresses, and if it is confirmed that any of the requirements are not satisfied in the renewal condition confirmation stage, the insurance contract expiration stage proceeds where the insurance contract is terminated on the insurance expiration date.

By paying the insurance premium in advance at the insurance contract management server 100 to make a contract in advance, the policyholder must pay administrative fines resulting from non-renewal after the fire insurance expires or cannot receive compensation from the insurance company in the event of a fire accident. The problem can be solved. At this time, the policyholder must repay the bond generated at the pre-insurance contract stage within a certain period of time, and if a certain period elapses, a late fee may be charged for the bond.

Additionally, the contractor may pay the amount accrued in a lump sum or in installments.

Figure 4 shows a flowchart of the initial insurance contract stage of the pre-contract and payment fire insurance contract method according to an embodiment of the present invention. As shown in FIG. 4, first, a connection step is performed to connect to the insurance contract management server 100 through the policyholder terminal 200.

Next, authentication includes mobile phone or i-PIN authentication to confirm that the policyholder who accessed the insurance contract management server 100 through the contractor terminal 200 is the person who accessed the insurance contract management server 100 to subscribe to insurance. In this way, a personal authentication step is performed.

Once personal authentication is completed through the personal authentication step, the insurance contract progress screen output step proceeds, in which a screen for proceeding with the insurance contract is displayed on the policyholder terminal 200.

As the insurance contract progress screen output stage progresses, the policyholder enters or selects some information by looking at the screen displayed on the contract terminal 200 and proceeds with the information input stage.

A screen for selecting the date on which the insurance contract begins may be displayed first, the date on which the policyholder wishes to start the insurance contract is selected, and the personal information of the policyholder wishing to subscribe to fire insurance is entered.

Next, a screen for selecting real estate information can be displayed, and you can select whether the real estate you want to subscribe to fire insurance for is an apartment, officetel, or commercial building, who is covered (individual, couple, family, etc.), whether you own the property, etc. is selected, and building ledger information including information on the construction period, area, and drawings of the building for which fire insurance is to be purchased can be entered or received from the city/county/district server at the location of the building.

Next, a screen for selecting the amount of damage to be compensated by the insurance company in the event of a fire accident is displayed. You can select the damage amount, such as 10 million won or 100 million won, and enter the insurance subscription period and insurance premium payment method (monthly payment, 3-month payment, annual payment, etc.). Choose.

Next, a window where additional special terms and conditions subscription information is input may be displayed. Information such as whether the building has fire prevention measures, whether safety sensors are installed, receipt of bills by e-mail, income conditions, etc. are entered, and the insurance premium changes depending on the information entered.

The information input in the information input step is explained as an example, and can be easily changed to input more or less information depending on the operating policy of the insurance contract management server 100.

Afterwards, a step is taken to confirm various conditions of the policyholder in order to proceed with the insurance contract. The insurance contract management server 100 requests the policyholder's credit information from the credit rating agency server 10, and the credit rating agency server 10 transmits the policyholder's credit information to the insurance contract management server 100. A first credit information verification step is performed in the insurance contract management server 100 to determine whether insurance can be purchased based on the policyholder's credit information transmitted from the credit rating agency server 10.

In addition, the insurance contract management server 100 requests the court registration server 20 for real estate registration information for the building for which the policyholder wishes to subscribe to fire insurance, and the court registration server 20 sends the real estate registration information to the insurance contract management server 100. Send registration information. The first real estate registration information confirmation step in which the insurance contract management server 100 checks whether the right holder registered in the real estate registration information matches the policyholder who wishes to subscribe to insurance based on the real estate registration information transmitted from the court registration server 20. is in progress.

In addition, the insurance contract management server 100 requests the policyholder's insurance premium payment details and insurance claim details from the insurance association server 30, and the insurance association server 30 reports the policyholder's insurance premium payment details to the insurance contract management server 100. and transmitting insurance claim detail information. The insurance contract management server 100 examines the policyholder's insurance premium payment history and insurance claim history information transmitted from the insurance association server 30 to determine fire insurance subscription history, number of times premiums have not been paid, amount of unpaid insurance premiums, number of insurance claims, and compensation claim amount. A step of confirming the first insurance premium payment details and insurance claim details is performed to confirm the insurance subscription conditions set based on at least one standard including the following.

In addition, the insurance contract management server 100 requests information on whether the building for which the contractor wishes to subscribe to fire insurance complies with the fire protection law to the National Fire Agency server 40, and the National Fire Agency server 40 sends the fire insurance policy to the insurance contract management server 100. Send information on whether the building you wish to join complies with the fire code. The insurance contract management server 100 performs a compliance verification step with the First Fire Protection Act, which checks the insurance subscription conditions set based on whether or not the building complies with the fire protection law transmitted from the National Fire Agency server 40.

At this time, compliance with the fire law is checked regularly by checking the number of sprinklers, whether objects are loaded at the emergency exit, the number of fire extinguishers, whether the fire alarm is operating normally, etc., and stored in the National Fire Agency database 41 of the National Fire Agency server 40, and in the National Fire Agency database 41. Compliance with fire laws is confirmed based on stored inspection information.

If it is confirmed that insurance can be purchased in the above-mentioned first credit information confirmation step, first real estate registration information confirmation step, first insurance premium payment details and insurance claim details confirmation step, and first fire law compliance step, the information is entered. A first real estate price reception step is performed in which the insurance contract management server 100 receives real estate price information from the real estate price providing server 50 based on the information input from the step.

At this time, if the pre-contract and payment method is used at the initial insurance contract stage, the first credit information verification step must be performed. However, if the pre-contract and payment method is not used at the initial insurance contract stage, the first credit information verification stage must be performed. It may not work.

The insurance contract management server 100 and a plurality of insurance companies servers 70 communicate based on the information input or received in the above-described information input stage, first insurance premium payment details and insurance claim details confirmation stage, and first real estate price reception stage. Thus, a first insurance product reception step is performed in which at least one insurance product that the policyholder can subscribe to is received in the insurance contract management server 100.

In the first insurance product reception step, an insurance product selection step is performed in which the policyholder selects one of the at least one insurance product output to the policyholder terminal 200. When the insurance product selection step is performed, information related to the progress of the insurance contract is sent to the insurance company. It is stored in the member database 110 or the contract database 120 of the contract management server 100, and an insurance contract conclusion step is performed. At this time, information related to the progress of the insurance contract stored in the contract database 120 may be created and stored in the form of an electronic document.

In the insurance contract conclusion step, the insurance contract management server 100 pays an insurance premium in advance to the insurance company with which the policyholder has concluded an insurance contract so that the contract can be concluded, and a bond may be created for the policyholder.

In other words, it allows the policyholder to pay the insurance premium not at the time of signing up for insurance, but after signing up for insurance, so that not only when renewing the insurance contract but also when signing the insurance for the first time, the first credit information confirmation step, the first real estate registration information confirmation step, If the conditions for prepayment of insurance premiums are met according to the stage of confirming the first insurance premium payment details and insurance claim details and the first fire law compliance stage, the insurance premium is paid in advance to the insurance company even at the initial contract stage and the contract is concluded first, and the contract holder is contacted at a later date. Insurance premiums can be paid to

Figure 5 shows a flow chart of the renewal conditions confirmation steps in the pre-contract and payment fire insurance contract method according to an embodiment of the present invention. As shown in FIG. 5, at this time, the first update condition check step and the second update condition check step are performed in the same order, so in FIG. 5, the first update condition check step and the second update condition check step are collectively referred to as the update conditions. Let’s call it the confirmation step and explain it.

The insurance contract management server (100) requests the policyholder's credit information from the credit rating agency server (10) at the time the insurance contract expires, and the credit rating agency server (10) provides the policyholder's credit information to the insurance contract management server (100). send. A second credit information verification step is performed in the insurance contract management server 100 to determine whether insurance can be renewed based on the policyholder's credit information transmitted from the credit rating agency server 10.

In addition, the insurance contract management server 100 requests the court registration server 20 for real estate registration information for the building for which fire insurance is to be renewed at the time of insurance contract expiration, and the court registration server 20 sends the insurance contract management server (20) to the court registration server 20. Send real estate registration information to 100).

The insurance contract management server 100 compares the right holder information included in the real estate registration information transmitted from the court registration server 20 with the policy holder information stored in the contract database 120 of the insurance contract management server 100 to identify the right holder of the real estate. The second real estate registration information verification step is conducted to check whether the insurance can be renewed by comparing whether it is the same as the policyholder.

In addition, the insurance contract management server (100) requests the policyholder's insurance premium payment details and insurance claim details from the insurance association server (30) at the time the insurance contract expires, and the insurance association server (30) sends the insurance contract management server (100) to the insurance association server (30). Transmits the policyholder's insurance premium payment details and insurance claim details. The insurance contract management server 100 proceeds with the second insurance premium payment details and insurance claim details confirmation step to check whether insurance can be renewed based on the policyholder's insurance premium payment details and insurance claim details information transmitted from the insurance association server 30. do.

In addition, the insurance contract management server 100 requests the National Fire Agency server 40 to provide information on whether the building for which the policyholder wishes to renew fire insurance complies with the fire protection law at the time the insurance contract expires, and the National Fire Agency server 40 sends the insurance contract management server to the insurance contract management server 40. Information on whether the building for which you wish to renew fire insurance complies with the Fire Protection Act is transmitted to (100). In the insurance contract management server 100, a compliance verification step for the second fire service law is performed to check whether insurance can be renewed based on whether the building complies with the fire service law transmitted from the National Fire Agency server 40.

If it is confirmed that the conditions for insurance contract renewal are met in the above-mentioned second credit information verification stage, second real estate registration information confirmation stage, second insurance premium payment details and insurance claim details verification stage, and second fire law compliance verification stage, it will proceed. A second real estate price reception step is performed in which the insurance contract management server 100 receives real estate price information from the real estate price provision server 50 at the time of expiration of the insurance contract for the building for which the policyholder wishes to renew fire insurance.

Based on the information received in the above-mentioned second credit information confirmation stage, second real estate registration information confirmation stage, second insurance premium payment details and insurance claim details confirmation stage, second fire law compliance confirmation stage, and second real estate market price reception stage. The second insurance product reception step is where the insurance contract management server 100 communicates with a plurality of insurance companies servers 70 and at least one insurance product that the policyholder can subscribe to by renewing the fire insurance is received by the insurance contract management server 100. It goes on.

In the second insurance product reception step, a pre-insurance contract step is performed in which the most appropriate insurance product for the policyholder among the at least one insurance product received by the insurance contract management server 100 is selected by the insurance contract management server 100 and signed. .

At this time, the insurance company selling the selected insurance product may be the same or different from the insurance company signed at the initial insurance contract stage.

Information related to insurance renewal progress is stored in the member database 110 or contract database 120 of the insurance contract management server 100, and information related to insurance renewal progress stored in the contract database 120 is created and stored in the form of an electronic document. It could be.

Before explaining the pre-insurance contract stage with reference to FIG. 6, in the pre-insurance contract stage, as described above, a premium is paid in advance to the insurance company with which the policyholder has entered into a contract so that the contract can be concluded, and the policyholder creates a bond to sign the insurance contract. After this point, the policyholder pays the insurance premium to the insurance contract management server (100).

At this time, if the pre-contract support amount to be paid in advance as an insurance premium by the insurance contract management server (100) is insufficient, the online investment server (60), which is one of a plurality of external servers (1) that communicates with the insurance contract management server (100), A certain amount of money can be invested from the insurance company's insurance server 70 with which the contract has been concluded with the policyholder, and a fire insurance contract system with pre-contract and payment can be operated.

Figure 6 shows a flowchart of the pre-insurance contract stage of the pre-contract post-payment fire insurance contract method according to an embodiment of the present invention. As shown in Figure 6, insurance product matching stage, pre-contract support amount confirmation stage, first insurance premium pre-payment stage, first bond generation stage, investment request stage, second insurance premium pre-payment stage, second bond generation stage, payment It includes the confirmation stage, counting stage, bond generation stage, and final insurance contract conclusion stage.

First, as described above, insurance product matching is performed by the insurance contract management server 100 to match the most appropriate insurance product to the policyholder among at least one insurance product received by the insurance contract management server 100 in the second insurance product reception step. The steps progress.

When the insurance product is matched, a pre-contract support amount confirmation step is performed in the insurance contract management server 100 to check whether the pre-contract support amount for the pre-insurance contract remains at least a certain amount.

If it is confirmed that the pre-contract support amount remains at least a certain amount in the pre-contract support amount confirmation step, the first insurance premium is paid in advance by the insurance contract management server 100 to the insurance company selling the insurance product selected in the insurance product matching step. The advance payment stage proceeds.

Next, the first claim generation stage in which a claim is issued to the policyholder proceeds. It is preferable that the claim generated in the first claim generation stage is stored in the contract database 120 of the insurance contract management server 100.

If it is confirmed that the pre-contract support amount remains below a certain amount in the pre-contract support amount confirmation step, investment is requested from the online investment server (60) or insurance company server (70) of the insurance company selling the insurance product selected in the insurance product matching step. The investment request stage proceeds.

After the investment request stage, a second insurance premium advance payment stage is conducted in which the insurance company or online investment company pays the premium in advance to the insurance company selling the insurance product selected in the insurance product matching stage. At this time, the online investment server 60 may be an online investment business server or a savings bank server.

Next, the second bond generation stage proceeds, in which a bond is generated to the policyholder, and the bond generated in the second bond generation stage is stored in the contract database 120 of the insurance contract management server 100 as well as the online investment server 60. It is desirable to store it in the online investment database 61 or the insurance company database 71 of the insurance company server 70.

In other words, the claims generated in the first claim and second claim generation stages are between the insurance contract management server 100 and the policyholder, and the payment period for the claims generated at this time is usually one week, two weeks, one month, etc. It can be selected and easily changed by a technician. Additionally, the amount of the claim generated in the first claim generation stage or the second claim generation stage may be an amount equivalent to the insurance premium, or may be an amount in which a predetermined fee is added to the insurance premium.

A payment confirmation step is performed in which the insurance contract management server 100 checks whether the policyholder has paid the claim generated in the first claim generation stage or the second claim generation stage.

If payment is confirmed at the payment confirmation stage, the final conclusion of the insurance contract proceeds.

If it is confirmed that payment has not been made in the payment confirmation step, the counting step is performed. The standard number of times in the counting stage is the period during which the above-mentioned receivables can be repaid without late payment fees, and is set to 7 in the case of a week and 30 in the case of one month.

If the number of times counted in the counting stage is less than the standard number, the payment confirmation stage is re-processed, and if the number of times counted in the counting stage exceeds the standard number, a predetermined late payment fee is charged for the amount of the accrued receivable. The bond creation stage proceeds in which a bond is generated for an amount that is the sum of the generated bond amount and a predetermined delinquent fee.

The pre-insurance contract stage described above with reference to FIG. 6 may be performed in the same order as the insurance contract conclusion stage of the initial insurance contract stage.

The technical idea of the present invention should not be interpreted as limited to the above-described embodiments. Not only is the scope of application diverse, but various modifications can be made at the level of those skilled in the art without departing from the gist of the present invention as claimed in the claims. Accordingly, such improvements and changes fall within the scope of protection of the present invention as long as they are obvious to those skilled in the art.

100 Insurance contract management server
110 Member Database
120 Contract Database
200 contractor terminals
1 external server
10 Credit rating agency server
11 Credit rating agency database
20 Court Registration Department Server
21 Court Registration Division Database
30 Insurance Association Server
31 Insurance Association Database
40 Fire Department Server
41 National Fire Agency Database
50 Real estate price provision server
51 Real estate market database
60 Online Investment Server
61 Online Investment Database
70 Insurance server
71 Insurance company database

Claims (12)

In the insurance contract management server, which is equipped with an insurance contract process and carries out insurance contract procedures according to the installed insurance contract process,
The insurance contract management server,
Processes for signing insurance contracts and paying premiums in advance are installed,
It is connected to a member database that stores the policyholder's personal information entered through the policyholder's terminal connected by means of communication, and a contract database that stores contract information concluded through the insurance contract conclusion process.
Information is requested and received from external servers connected to each other through multiple external servers and communication means,
Confirm the conditions for advance payment of premiums for the insurance contract you wish to sign up for or renew through the above insurance contract process,
A pre-contract and payment fire insurance contract system, characterized in that insurance contracts that satisfy the above premium pre-payment conditions are paid in advance and the insurance is subscribed or renewed.
According to claim 1, whether the conditions for payment of the premium in advance are satisfied,
A pre-contract, post-payment fire insurance contract system characterized by comparing and confirming information stored in the member database and the contract database with information received by requesting from the external server.
The method of claim 1, wherein the external server:
It is connected and communicates with the insurance contract management server through a communication means, receives a signal requesting the policyholder's credit information sent from the insurance contract management server, and collects the policyholder's credit information from the credit information stored in the credit rating agency database. A credit rating agency server transmitting to the contract management server;
It is connected and communicates with the insurance contract management server by means of communication, receives a signal requesting real estate registration information from the insurance contract management server, and among the real estate registration information stored in the court registration database, the real estate registration information of the building for which the policyholder wishes to subscribe to insurance. a court registration server that transmits to the insurance contract management server;
It is connected and communicates with the insurance contract management server through a communication means, and receives signals requesting insurance premium payment information and insurance claim information sent from the insurance contract management server, among the premium payment information and insurance claim information stored in the insurance association database. an insurance association server that transmits the policyholder's insurance premium payment information and insurance claim information to the insurance contract management server;
It is connected and communicates with the insurance contract management server through a communication means, receives a signal requesting information on compliance with the fire law from the insurance contract management server, and complies with the fire law of the building for which the contractor wishes to subscribe to insurance among the information on compliance with the fire law stored in the National Fire Agency database. a fire department server that transmits availability information to the insurance contract management server; and
It is connected and communicates with the insurance contract management server through a communication means, receives a real estate price information request signal transmitted from the insurance contract management server, and identifies the building for which the policyholder wishes to subscribe to insurance among the real estate price information stored in the real estate price information database. a real estate price information providing server that transmits real estate price information to the insurance contract management server;
A pre-contract post-payment fire insurance contract system comprising:
In the fire insurance contract method using the pre-contract and then pay fire insurance contract system,
The initial insurance contract stage in which the policyholder's terminal is connected to the insurance contract management server and a fire insurance contract for a certain period is concluded;
An expiration time confirmation step of checking whether the insurance contract concluded in the first insurance contract step has reached maturity;
It is carried out when the expiration time is confirmed in the expiration point confirmation step, and when proceeding with the first insurance contract step, it is automatically checked whether the policyholder terminal agrees to automatic renewal when the expiration date of the relevant insurance contract arrives. Confirmation of renewal agreement;
If it is confirmed that you agree in the auto-renewal agreement confirmation step, the process will proceed. The policyholder's personal information and real estate information will be re-collected and the policyholder's personal information collected at the initial insurance contract stage and stored in the database of the insurance contract management server. A first renewal condition confirmation step of comparing the and real estate information to check whether the conditions allow the insurance contract to be renewed;
If it is confirmed that the renewal conditions are satisfied in the first renewal condition confirmation step, the insurance contract management server allows the policyholder to subscribe by paying the premium in advance to the insurance company that sells the insurance product for which the policyholder renews and subscribes, and then subscribes the policyholder to the insurance company. A pre-insurance contract stage in which a sufficient amount of receivables are generated; and
An insurance contract expiration step, which is performed when it is confirmed that the renewal conditions are satisfied in the first renewal condition confirmation step, and the insurance contract is terminated on the insurance contract expiration date;
A fire insurance contract method using a pre-contract and then payment fire insurance contract system, characterized in that it includes.
According to claim 4, the fire insurance contract method using the pre-contract and payment fire insurance contract system is,
A notification transmission step, which is performed when it is confirmed that the automatic renewal agreement is not agreed upon in the step of checking whether to agree to automatic renewal, and where the insurance contract management server sends a notification to the policyholder terminal informing that the expiration time of the insurance contract has arrived;
A product that re-collects the policyholder's personal information and real estate information and compares the policyholder's personal information and real estate information collected at the initial insurance contract stage and stored in the database of the insurance contract management server to confirm whether the insurance contract can be renewed. 2Check renewal conditions; and
If it is confirmed that the renewal conditions are met in the second renewal condition confirmation step, the insurance contract management server prepays the insurance premium to the insurance company that sells the insurance product for which the policyholder is renewing and subscribes to the policyholder, and allows the policyholder to subscribe to the insurance product. A pre-insurance contract stage in which a sufficient amount of receivables are generated;
A fire insurance contract method using a pre-contract and then payment fire insurance contract system, characterized in that it further includes.
According to clause 5,
In the first renewal condition confirmation step or the second renewal condition confirmation step,
Confirmation is made based on one or more of the following: the policyholder's credit evaluation information, real estate registration information, insurance premium payment history and insurance claim history, and compliance with the Fire Protection Act at the time of signing the first insurance contract and when the insurance contract expires.
A fire insurance contract method using a pre-contract post-payment fire insurance contract system, characterized in that the insurance contract is renewed for contracts that satisfy all the insurance contract renewal conditions for which the premium already registered in the insurance contract management server is paid in advance.
The method of claim 6, wherein the initial insurance contract step is,
A connection step of connecting to the insurance contract management server through the policyholder terminal,
A personal authentication step in which the personal information of the policyholder connected through the policyholder terminal is entered into the insurance contract management server, and personal authentication is performed based on the personal information;
An insurance contract progress screen output step in which a screen for proceeding with an insurance contract is displayed on the contract holder terminal,
An information input step in which subscription information including one or more selected from the contractor's personal information, real estate information of the building for which insurance is to be purchased, coverage, and additional special terms and conditions information is entered on the screen printed on the contractor terminal;
The insurance contract management server requests the policyholder's credit information from the credit rating agency server, the credit rating agency server transmits the policyholder's credit information to the insurance contract management server, and the insurance contract management server sends the policyholder's credit information to the insurance association server. A first credit information verification step to check whether insurance can be purchased based on the contractor's credit information sent from
The insurance contract management server requests the court registration department server for registration information of real estate for which the policyholder wishes to subscribe to fire insurance, the court registration department server transmits the real estate registration information to the insurance contract management server, and the insurance contract management server In the first real estate registration information confirmation step, which checks whether the rights holder registered in the real estate registration information matches the policyholder wishing to subscribe to fire insurance based on the real estate registration information transmitted from the court registration server,
The insurance contract management server requests the policyholder's insurance premium payment details and insurance claim details from the insurance association server, and the insurance association server transmits the policyholder's insurance premium payment details and insurance claim details to the insurance contract management server, and sends the policyholder's insurance premium payment details and insurance claim details to the insurance contract management server. The first insurance premium payment details and insurance claim details confirmation step in which the contract management server checks whether insurance can be purchased based on the policyholder's insurance premium payment details and insurance claim details transmitted from the insurance association server;
The insurance contract management server requests information on whether the building for which the policyholder wishes to subscribe to fire insurance complies with the fire protection law to the National Fire Agency server. The fire service server transmits information on compliance with the fire protection law to the insurance contract management server, and the insurance contract management server Compliance with the First Fire Protection Act is confirmed based on the fire protection law compliance information transmitted from the National Fire Agency server in the first Fire Service Act compliance check step,
A first real estate price reception step in which the insurance contract management server receives real estate price information of the building for which the policyholder wishes to subscribe to fire insurance from the real estate price information provision server;
A first insurance product reception step in which the insurance contract management server receives at least one insurance product that the policyholder can subscribe to from a plurality of insurance companies,
An insurance product selection step in which one insurance product is selected by the policyholder among at least one insurance product printed on the policyholder terminal, and
Insurance contract conclusion step in which information related to insurance contract progress is stored in the database of the insurance contract management server.
A fire insurance contract method using a pre-contract and then payment fire insurance contract system, characterized in that it includes.
The method of claim 7, wherein the first renewal condition checking step or the second updating condition checking step is,
The insurance contract management server requests the policyholder's credit information from the credit rating agency server, the credit rating agency server transmits the policyholder's credit information to the insurance contract management server, and the insurance contract management server sends the policyholder's credit information to the insurance association server. A second credit information confirmation step of checking renewal conditions based on the contractor's credit information transmitted from
Second real estate registration in which the insurance contract management server compares real estate registration information at the time of expiration transmitted from the court registration server with real estate registration information at the time of insurance contract conclusion stored in the database of the insurance contract management server to confirm renewal conditions. information verification step,
The insurance contract management server requests the policyholder's insurance premium payment details and insurance claim details from the insurance association server, and the insurance association server transmits the policyholder's insurance premium payment details and insurance claim details to the insurance contract management server, and sends the policyholder's insurance premium payment details and insurance claim details to the insurance contract management server. A second insurance premium payment details and insurance claim details confirmation step in which the contract management server verifies renewal conditions based on the policyholder's insurance premium payment details and insurance claim details transmitted from the insurance association server;
The insurance contract management server requests information on whether the building for which the policyholder wishes to renew fire insurance complies with the fire protection law from the National Fire Agency server, and the fire service server transmits information on compliance with the fire protection law to the insurance contract management server, and the insurance contract management server Compliance with the Second Fire Service Act is confirmed in the step of checking renewal conditions based on the information on compliance with the Fire Service Act transmitted from the National Fire Agency server.
A fire insurance contract method using a pre-contract and then payment fire insurance contract system, characterized in that it includes.
The method of claim 8, wherein the first renewal condition checking step or the second updating condition checking step,
A second real estate price reception step in which the insurance contract management server receives real estate price information at the time of expiration of the insurance contract of the building for which the policyholder wishes to renew fire insurance from the real estate price information provision server; and
The information received in the second credit information confirmation step, the second real estate registration information confirmation step, the second insurance premium payment details and insurance claim details confirmation step, the second firefighting law compliance confirmation step, and the second real estate market price reception step. Based on this, the insurance contract management server and a plurality of insurance companies communicate, and at least one insurance product that the policyholder can subscribe to by renewing the fire insurance is received by the insurance contract management server.
It further includes,
A fire insurance contract method using a pre-contract post-payment fire insurance contract system, characterized in that the pre-contract stage is performed by matching the most appropriate insurance product to the policyholder among the insurance products received in the second insurance product reception stage.
The method of claim 9, wherein the pre-insurance contract step is:
An insurance product matching step in which the most appropriate insurance product for the policyholder among the at least one insurance product received by the insurance contract management server in the second insurance product receiving step is matched by the insurance contract management server;
A pre-contract support amount confirmation step in which the insurance contract management server checks whether the pre-contract support amount for the pre-insurance contract remains at a certain amount or more;
This process is carried out when it is confirmed that the pre-contract support amount remains at least a certain amount in the pre-contract support amount confirmation step, and the insurance contract management server pays the premium in advance to the insurance company selling the insurance product selected in the insurance product matching step. 1Prepayment stage of insurance premium,
The first claim generation stage in which a claim for the premium paid in the first insurance premium advance payment stage is generated to the policyholder,
A payment confirmation step in which the insurance contract management server checks whether the policyholder has paid for the accrued claim, and
If it is confirmed that payment has been made in the payment confirmation step, a fire insurance contract method using a pre-contract and payment fire insurance contract system, characterized in that the final conclusion of the insurance contract proceeds.
The method of claim 10, wherein the pre-insurance contract step is:
In the pre-contract support amount confirmation step, if it is confirmed that the pre-contract support amount remains below a certain amount, an investment request signal is sent to the insurance company server or external online investment server of the insurance company selling the insurance product selected in the insurance product matching step. Investment request stage being sent,
A second insurance premium advance payment step in which the insurance company server or the online investment server pays the premium in advance to the insurance company selling the insurance product selected in the insurance product matching step,
It further includes a second claim generation step in which a claim for the premium paid in the second insurance premium advance payment step is generated to the policyholder,
After the second bond generation step,
A fire insurance contract method using a pre-contract and payment fire insurance contract system, characterized in that the payment confirmation step is performed.
The method of claim 10, wherein the pre-insurance contract step is:
If it is confirmed that payment has not been made in the payment confirmation step above,
The repayment period for the generated bond is set to a standard number, the number is counted one by one as each date passes, and the counting step compares the counted number with the standard number,
If the number of times counted in the counting step is less than the standard number,
The payment confirmation step is carried out,
If the number counted in the counting step exceeds the standard number,
A pre-contract post-payment fire insurance contract system characterized in that a pre-contract post-payment fire insurance contract system further includes a bond generation step in which a predetermined late fee is generated for the bond accrued amount and a bond is reissued in an amount that is the sum of the bond accrued amount and the predetermined late fee. Fire insurance contract method used.