WO2009051365A1

WO2009051365A1 - Method of relaying plural contract of an automobile third party liability insurance and driver compensation insurance by using, and the system thereof

Info

Publication number: WO2009051365A1
Application number: PCT/KR2008/005891
Authority: WO
Inventors: Yeol-Oh Seong
Original assignee: Yeol-Oh Seong
Priority date: 2007-10-15
Filing date: 2008-10-08
Publication date: 2009-04-23
Also published as: KR20090038218A

Abstract

The present invention relates to a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet and a system therefor. The method of relaying plural contracts according to the present invention includes the steps of receiving an application for insurance contracts; determining whether the insurances can be signed up; providing calculated insurance premiums, vehicle liability insurance terms and driver compensation insurance terms; and paying contracted compensation money when the compensation money is requested in accordance with the insurance terms. According to the present invention, if there are no accidents or no violations of traffic regulations during a specific period or mileage, proper compensation money (insurance money) is paid. Accordingly, traffic accidents can be prevented significantly.

Description

METHOD OF RELAYING PLUAL CONTRACT OF AN AUTOMOBILE THIRD PARTY LIABILITY INSURANCE AND DRIVER COMPENSATION INSURANCE BY USING, AND THE

SYSTEM THEREOF Technical Field

[1] The present invention relates to a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet and a system therefor, and more particularly, to a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet and a system therefor, in which when there are no accidents or no violations of traffic regulations during a specific period or mileage, proper compensation money (insurance money) is paid, thereby greatly contributing to prevent traffic accidents. Background Art

[2] In general, automobile insurance has a vehicle as its object and is an insurance to pay for damages caused by the possession, use and management of the vehicle.

[3] Such automobile insurance is classified according to security kinds and is largely divided into automobile security (vehicle insurance), personal compensation security (personal compensation insurance), impersonal compensation security (impersonal compensation insurance), and accident security (accident insurance).

[4] Meanwhile, a policy insurance system that forces an automobile owner to subscribe to insurance includes automobile liability insurance prepared by Automobile Accident Compensation Security Act.

[5] This insurance is for the purpose of helping sufferers due to traffic accidents, and vehicle owners are compulsory to subscribe to this insurance.

[6] However, most of these insurances compensate for damages when traffic accidents occur.

[7] Thus, it can be said that the insurances are not practical in a way of preventing traffic accidents.

Disclosure of Invention

Technical Problem

[8] Accordingly, the present invention has been made in view of the above problems occurring in the prior art, and an object of the present invention is to provide a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet and a system therefor, in which when there are no accidents or no violations of traffic regulations during a specific period or mileage, proper compensation money (insurance money) is paid, thereby greatly contributing to prevent traffic accidents. Technical Solution

[9] To achieve the above object, the present invention provides a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet, including the steps of an insurance relay server receiving an application for insurance contracts from an insurance subscription server; the insurance relay server determining whether the insurance subscription server has subscribed to insurances based on information of the insurance subscription server, which is supplied from a support server; if, as a result of the determination, the insurance subscription server can subscribe to the insurances, the insurance relay server calculating a vehicle liability insurance premium and a driver compensation insurance premium, providing the calculated insurance premiums to the insurance subscription server along with corresponding insurance terms, and requesting a support server to store the concluded insurance contents; and if the insurance subscription server requests compensation money in accordance with the insurance terms, instructing to pay compensation money contracted between the insurance subscription server and the insurance relay server.

[10] It is preferred that the insurance relay server instructs to pay compensation money if there are no reasons for disqualification, such as traffic accidents or violations of traffic regulations during a specific period or mileage.

[11] It is preferred that if the insurance subscription server pays the driver compensation insurance premium again despite that it has caused a traffic accident or violated traffic regulations, the insurance relay server extends a contract period of the driver compensation insurance from a date when the insurance premium was paid again and instructs to compensate for insurance premiums paid by the insurance subscription server.

[12] It is preferred that the insurance relay server instructs to pay compensation money when diseases or death due to overwork occur or automobile malfunction other than traffic accidents occurs while driving.

Advantageous Effects

[13] Through the above solution, in the state in which a vehicle's driver has subscribed to a vehicle liability insurance and a driver compensation insurance, damages caused by the possession, use and management of the vehicle are compensated for by the vehicle liability insurance, and proper compensation money is paid to the driver with respect to property and life when there are no accidents or no violations of traffic accidents through the driver compensation insurance.

[14] Accordingly, drivers can well observe traffic regulations and traffic accidents can be prevented significantly. Brief Description of the Drawings

[15] Further objects and advantages of the invention can be more fully understood from the following detailed description taken in conjunction with the accompanying drawings in which: [16] FIG. 1 is a diagram showing a system for relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention; [17] FIG. 2 is a flowchart showing a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention; [18] FIG. 3 is a diagram showing an example of an input window for obtaining automobile information in the method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention; and [19] FIG. 4 is a diagram showing an example in which SMS text service is transmitted in the method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention.

[20] <Description of reference numerals of principal elements in the drawings>

[21] 10: insurance subscription server 21: member D/B

[22] 20: insurance relay server 30: support server

[23] 23: driver compensation insurance D/B

[24] 25: automobile liability insurance D/B

[25] 31: vehicle registration office server

[26] 32: financial supervisory service server

[27] 33: insurance development institute server

[28] 34: police office server

[29] 35: insurance association server

[30] 36: public certification institute server

[31] 37: electronic document depository server

Mode for the Invention [32] The objects and other characteristics will become apparent from the following detailed description taken in conjunction with the accompanying drawings. [33] The present invention will now be described in detail in connection with a preferred embodiment with reference to the accompanying drawings.

[34] FIG. 1 is a diagram showing a system for relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention.

[35] As shown in the drawing, the system for relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention largely includes insurance subscription servers 10, an insurance relay server 20, and a support server 30 for supplying and storing various data and information requested by the insurance relay server 20.

[36] The insurance subscription server 10 can become, for example, a personal computer

(PC) and is connected to communicate with the insurance relay server 20 through an Internet 43.

[37] The insurance subscription server 10 supplies data or information to the insurance relay server 20 at the request of the insurance relay server 20 and stores necessary data or information while viewing the data or information provided by the insurance relay server 20.

[38] The support server 30 is connected to communicate the insurance relay server 20 through an Internet or, possibly, a dedicated line 45 for the purpose of maintaining security, and provides and stores various data and information requested by the insurance relay server 20.

[39] The support server 30 includes a vehicle registration office server 31, a financial supervisory service server 32, an insurance development institute server 33, a police office server 34, an insurance association server 35, a public certification institute server 36, and an electronic document depository server 37.

[40] The insurance development institute server 33 is connected to communicate with the financial supervisory service server 32 and the police office server 34, and supplies information, provided from the financial supervisory service server 32 and the police office server 34, to the insurance relay server 20.

[41] That is, the insurance relay server 20 obtains information, supplied from the insurance development institute server 33 and the police office server 34, from the insurance development institute server 33.

[42] The insurance relay server 20 constructs a homepage on the web and supplies insurance product information to the insurance subscription servers 10.

[43] The insurance relay server 20 concludes insurance subscription contracts with the insurance subscription servers 10 according to the following procedure.

[44] Furthermore, the insurance relay server 20 opens e-mail, a bulletin board, a dialog window, etc. on a homepage and has a dialog with the insurance subscription servers 10 in real-time or exchanges data or information with the insurance subscription servers 10.

[45] The insurance relay server 20 registers an insurance business with the financial supervisory service server 32 and is issued with a certification of registration.

[46] The insurance relay server 20 does an insurance business on the basis of an insurance rate agreed with the insurance development institute server 33.

[47] Insurances concluded between the insurance subscription server 10 and the insurance relay server 20 include a vehicle liability insurance and a driver compensation insurance.

[48] The vehicle liability insurance has, as well known, a vehicle as its insurance object and is an insurance that compensates for damages caused by the possession, use and management of a vehicle.

[49] The driver compensation insurance is an insurance for supplying a certain amount of compensation money to the insurance subscription server 10 when there are no reasons for disqualification, which are required by the insurance relay server 20.

[50] The insurance relay server 20 determines whether the insurance subscription server

10 is eligible to subscribe to insurances on the basis of information about the insurance subscription server 10, which is supplied by the support server 30.

[51] If it is determined that the insurance subscription server 10 can subscribe to insurances, the insurance relay server 20 calculates a vehicle liability insurance premium and a driver compensation insurance premium for traffic accident prevention and supplies them to the insurance subscription server 10 along with corresponding insurance terms.

[52] The contents of the insurances concluded with the insurance subscription server 10 are stored in the support server 30.

[53] If the insurance subscription server 10 requests compensation money in accordance with the contract of the driver compensation insurance, the insurance relay server 20 supplies contracted compensation money to the insurance subscription server 10.

[54] The compensation money is paid to the insurance subscription server 10 when there are no reasons for disqualification, such as traffic accidents or violations of traffic regulations, during a specific period or mileage on the basis of information obtained from the support server 30.

[55] For example, if there are no reasons for disqualification, such as traffic accidents or violations of traffic regulations, for three years or more or 50,000 km or more, the insurance relay server 20 supplies compensation money concluded with the insurance subscription server 10.

[56] At this time, if the insurance subscription server 10 pays the driver compensation insurance premium again despite that it has caused a traffic accident or violated traffic regulations, the insurance relay server 20 extends the contract period of the driver com- pensation insurance from a date when the insurance premium was paid again and compensates for insurance premiums paid by the insurance subscription server 10.

[57] The insurance relay server 20 also pays compensation money when diseases, death or vehicle malfunction other than traffic accidents occur while driving.

[58] That is, when a driver has diseases or is dead due to overwork while driving, the insurance relay server 20 pays compensation money.

[59] When vehicle malfunctions other than vehicle accidents occur, compensation money for the damages is paid.

[60] The insurance subscription server 10 that has been paid with the compensation money from the insurance relay server 20 subscribes to the driver compensation insurance and becomes a serve 10 that has paid insurance premiums of, for example, 10 thousands won or more monthly, 30 thousands won or more quarterly or 120 thousands won or more in a lump sum wholly.

[61] The insurance relay server 20 largely includes a member D/B 21, a driver compensation insurance D/B 23, and a vehicle liability insurance D/B 25 and classifies and stores various data occurring when insurances are concluded.

[62] The insurance relay server 20 may further include a D/B for storing data or information supplied by the support server 30.

[63] Hereinafter, an insurance relay method of this system according to the present invention is described in detail.

[64] The vehicle liability insurance is compensated for according to the well-known procedure and therefore a process of compensating for the driver compensation insurance will be mainly described.

[65] FIG. 2 is a flowchart showing a method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention.

[66] FIG. 3 is a diagram showing an example of an input window for obtaining automobile information in the method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention.

[67] FIG. 4 is a diagram showing an example in which SMS text service is transmitted in the method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention.

[68] As shown in the drawings, the method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet in accordance with the present invention begins with a step (Sl 11) in which the insurance subscription server 10 that has subscribed to the insurance relay server 20 as a member accesses a homepage constructed by the insurance relay server 20 and applies for an insurance contract.

[69] The insurance relay server 20 determines whether the insurance subscription server

10 is a member by reading records stored in the member D/B 21.

[70] If the insurance subscription server 10 is not a member, the insurance subscription server 10 can become a member by subscribing to the insurance relay server 20 according to a subscription procedure provided by the insurance relay server 20, and data thereof is stored in the member D/B 21.

[71] With respect to a non-member, the insurance relay server 20 can obtain simple information about an automobile, calculate an insurance premium of the automobile and show the calculated insurance premium to the non-member.

[72] If the insurance subscription server 10 accepts the insurance, it can become a member to the insurance relay server 20 and subscribe to the insurance supplied by the insurance relay server 20.

[73] If it is determined that the insurance subscription server 10 is a member, the insurance relay server 20 obtains simple information about an automobile from the insurance subscription server 10 and searches the vehicle registration office server 31 for checking whether the automobile has been registered (Sl 12).

[74] The automobile information can include a registration number, a driving purpose, a brand name, a factory output time, etc. of the automobile that will be insured by the insurance subscription server 10 (refer to FIG. 3).

[75] The insurance relay server 20 obtains a vehicle registration book, a regular test certificate, etc., which correspond to the information, from the vehicle registration office server 31 and determines whether the automobile is a registered automobile (S113).

[76] If, as a result of the determination, there are reasons for disqualification, all subsequent procedures are finished.

[77] Furthermore, the insurance relay server 20 stores the automobile information, obtained from the insurance subscription server 10, for example, in the member D/B 21 by linking the automobile information to member information.

[78] If, as a result of the determination in step (Sl 13), the automobile is a registered automobile, the insurance relay server 20 requests various pieces of information about the automobile, including information about whether the automobile has violated traffic regulations, supplied from the police office server 34, from the insurance development institute server 33 and the insurance association server 35 (Sl 14) and receives the requested information from the insurance development institute server 33 and the insurance association server 35.

[79] The insurance relay server 20 determines whether the automobile is eligible to subscribe to its insurances based on the received information (Sl 15).

[80] That is, the insurance relay server 20 obtains all pieces of information about the automobile, such as used car accident history information provided from the insurance development institute server 33 and violations of traffic regulations and payment of automobile penalties provided from the police office server 34.

[81] The insurance relay server 20 further obtains information, such as an registration number, accidents, violations of laws and regulations, and an automobile insurance subscription career from the insurance association server 35. .

[82] The insurance relay server 20 determines whether the automobile of the insurance subscription server 10, which will be insured, is eligible to subscribe to its insurances.

[83] If, as a result of the determination, the automobile has reasons for disqualification, all subsequent procedures are finished.

[84] Furthermore, the insurance relay server 20 stores data and information, obtained from the insurance development institute server 33 and the insurance association server 35, in a D/B.

[85] The data and information are preferably stored in the D/B with them being linked to member information.

[86] If, as a result of the determination in step (Sl 15), the automobile is eligible to subscribe to its insurances, the insurance relay server 20 calculates a vehicle liability insurance premium and a driver compensation insurance premium based on its insurance rate (S 116) and supplies the calculated insurance premiums, vehicle liability insurance terms, and driver compensation insurance terms to the insurance subscription server 10 (S 117).

[87] If the insurance contracts between the insurance subscription server 10 and the insurance relay server 20 are concluded, the insurance relay server 20 transmits the contents of the concluded contracts to the insurance subscription server 20, receives a public certification signature about the contracts from the public certification institute server 36, stores the public certification signature in the electronic document depository server 37, and notifies the insurance association server 35 of the fact (S118).

[88] The insurance relay server 20 stores the vehicle liability insurance and the driver compensation insurance, enrolled by the insurance subscription server 10, in the driver compensation insurance D/B 23 and the vehicle liability insurance D/B 25, respectively, along with the corresponding contracts.

[89] The insurance premiums can be paid through an Internet banking, telebanking or deposit without passbook, and the contents of the concluded contracts are sent to the insurance subscription server 20 via e-mail or mail.

[90] Furthermore, the fact that the insurances have been signed up can be informed to a mobile phone of the insurance subscription server 10 through SMS text service (refer to FIG. 4).

[91] If the insurance subscription server 10 requests compensation money from the insurance relay server 20 in accordance with the driver compensation insurance terms after the insurances are singed up, the insurance relay server 20 pays compensation money, contracted with the insurance subscription server 10, to the insurance subscription server 10 (S 119).

[92] The insurance relay server 20 pays the compensation money if there are no reasons for disqualification, such as traffic accidents or violations of traffic regulations during a specific period or mileage, based on information obtained from the insurance development institute server 33 and the insurance association server 35.

[93] At this time, if the insurance subscription server 10 pays the driver compensation insurance premium again despite that it has caused a traffic accident or violated traffic regulations, the insurance relay server 20 extends the contract period of the driver compensation insurance from a date when the insurance premium was paid again and compensates for insurance premiums paid by the insurance subscription server 10.

[94] The insurance relay server 20 also pays compensation money when diseases or death due to overwork occur or automobile malfunction other than traffic accidents occurs while driving. Industrial Applicability

[95] As described above, according to the present invention, there is provided a new type of an insurance in which proper compensation money (insurance money) is paid if there are no accidents or no violations of traffic regulations during a specific period or mileage.

Claims

[1] A method of relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet, the method comprising the steps of: an insurance relay server receiving an application for insurance contracts from an insurance subscription server; the insurance relay server determining whether the insurance subscription server has subscribed to insurances based on information of the insurance subscription server, which is supplied from a support server; if, as a result of the determination, the insurance subscription server can subscribe to the insurances, the insurance relay server calculating a vehicle liability insurance premium and a driver compensation insurance premium, providing the calculated insurance premiums to the insurance subscription server along with corresponding insurance terms, and requesting a support server to store the concluded insurance contents; and if the insurance subscription server requests compensation money in accordance with the insurance terms, instructing to pay compensation money contracted between the insurance subscription server and the insurance relay server.

[2] The method of claim 1, wherein the insurance relay server obtains information about an automobile from the insurance subscription server, searches a vehicle registration office server, i.e., a corresponding support server, for checking whether the automobile has been registered with the vehicle registration office server, if the automobile is a registered automobile, obtains various pieces of information about the automobile, including information about whether the automobile has violated traffic regulations, which is received from a police office server and an insurance association server, i.e., corresponding support servers, and determines whether the insurance subscription server has subscribed to the insurances based on the information.

[3] The method of claim 2, wherein the insurance relay server determines whether the insurance subscription server has subscribed to the insurances based on various pieces of information about an automobile, which is provided by a police office server, from an insurance development institute server connected to communicate with the police office server.

[4] The method of claim 2, wherein the insurance relay server receives a public certification signature with respect to the insurance contents, concluded with the insurance subscription server, from a public certification institute server, i.e., a corresponding support server, instructs an electronic document depository server to store the public certification signature, and instructs to inform an insurance association server of the public certification signature.

[5] The method of claim 1, wherein the insurance relay server instructs to pay compensation money if there are no reasons for disqualification, such as traffic accidents or violations of traffic regulations during a specific period or mileage.

[6] The method of claim 5, wherein if the insurance subscription server pays the driver compensation insurance premium again despite that it has caused a traffic accident or violated traffic regulations, the insurance relay server extends a contract period of the driver compensation insurance from a date when the insurance premium was paid again and instructs to compensate for insurance premiums paid by the insurance subscription server.

[7] The method of claim 1, wherein the insurance relay server instructs to pay compensation money when diseases or death due to overwork occur or automobile malfunction other than traffic accidents occurs while driving.

[8] A system for relaying plural contracts of an automobile liability insurance and a driver compensation insurance using an Internet, the system comprising: an insurance relay server connected to communicate with an insurance subscription server and support servers, and configured to determine whether the insurance subscription server has subscribed to insurances based on information of the insurance subscription server, which is supplied from the support servers, if the insurance subscription server can subscribe to the insurances, calculate a vehicle liability insurance premium and a driver compensation insurance premium, provide the calculated insurance premiums to the insurance subscription server along with corresponding insurance terms, request the support servers to store the concluded insurance contents, and if the insurance subscription server requests compensation money in accordance with the insurance terms, instruct the support servers to pay contracted compensation money to the insurance subscription server.

[9] The system of claim 8, wherein the insurance relay server instructs to pay compensation money if there are no reasons for disqualification, such as traffic accidents or violations of traffic regulations during a specific period or mileage based on information obtained from the support servers.

[10] The system of claim 9, wherein if the insurance subscription server pays the driver compensation insurance premium again despite that it has caused a traffic accident or violated traffic regulations, the insurance relay server extends a contract period of the driver compensation insurance from a date when the insurance premium was paid again and instructs to compensate for insurance premiums paid by the insurance subscription server.

[11] The system of claim 8, wherein the insurance relay server instructs to pay compensation money when diseases or death due to overwork occur or automobile malfunction other than traffic accidents occurs while driving.

[12] The system of claim 8, wherein the support server comprises a vehicle registration office server, a financial supervisory service server, an insurance development institute server, a police office server, an insurance association server, a public certification institute server, and an electronic document depository server.