WO2018038312A1 - Procédé de collecte d'argent en espèces à partir d'un bien tangible ayant fait l'objet d'une indemnisation d'assurance - Google Patents

Procédé de collecte d'argent en espèces à partir d'un bien tangible ayant fait l'objet d'une indemnisation d'assurance Download PDF

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Publication number
WO2018038312A1
WO2018038312A1 PCT/KR2016/010667 KR2016010667W WO2018038312A1 WO 2018038312 A1 WO2018038312 A1 WO 2018038312A1 KR 2016010667 W KR2016010667 W KR 2016010667W WO 2018038312 A1 WO2018038312 A1 WO 2018038312A1
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WIPO (PCT)
Prior art keywords
fluid property
property
fluid
bond
liquid
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PCT/KR2016/010667
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English (en)
Korean (ko)
Inventor
김명현
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(주)리카온
김명현
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Publication of WO2018038312A1 publication Critical patent/WO2018038312A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0283—Price estimation or determination
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/18—Legal services

Definitions

  • the present invention relates to a method of processing a covered liquid property, which relates to a method of recovering the compensated fluid property in cash rather than in the form of a fluid property when the insurer recovers.
  • insurance companies' insurance products are introduced to insurance customers through insurance planners, the Internet, etc., and are remodeled into a form suitable for the customers and then subscribed.
  • the insurer compensates the insureds.
  • an insurance company may acquire fluid assets, such as an automobile by which insurance was carried out in some cases.
  • the relevant liquid property shall be in accordance with the Commercial Act. Can be obtained.
  • the insurer acquires the fluid property which is the damage, and the insurer sells the fluid property thus obtained through the wholesale and retail distribution network.
  • the number of automobiles sold by domestic insurers is on the rise due to an increase in insurance accidents in proportion to the number of registered automobiles in Korea, and the size of automobiles is 200,000 vehicles a year, including property insurance including property insurance and fire insurance.
  • the annual trade volume is 300,000.
  • Insurers often transfer their legal responsibilities and obligations, such as refunds or damages due to product defects or incomplete sales, to incomplete sales in the status of the seller of the car, and often fail to pay the resulting damages.
  • the insurer a seller, does not subscribe to performance guarantee insurance, such as liability, but rather imposes an unfair transaction by forcing small businesses, such as buyers, to purchase unnecessary guarantee insurance.
  • the technical problem of the present invention is to quickly and safely collect cash assets converted into financial bonds through wired and wireless (Internet, etc.) systems without acquiring fluid assets such as automobiles that financial companies such as insurance companies have acquired at the time of insurance payment. There is.
  • a fluid property owner terminal which is a terminal used by a fluid property owner who is compensated for damages to a fluid property through insurance processing, receives a request for insurance processing due to damage of the fluid property to an insurance company server operated by an insurance company.
  • Insurance processing filing process When the insurer pays the owner of the fluid property the full amount of the fluid property, the ownership of the fluid property is automatically transferred to the insurer.
  • the ownership of the liquid property such as a car, is maintained by the owner of the liquid property, so the cash assets to be acquired when the liquid property is disposed of through the liquid property transaction broker designated by the insurer are the liquid property brokers. This is the money bond to be received from the business.
  • the money receivable is a monetary obligation payable to the insurer by the owner of the fluid property who has been fully reimbursed the value of the liquid property, and at the same time it is a transferable bond that must be transferred to the insurer.
  • the insurer calls a cash receivable for receiving cash goods in accordance with the monetary obligation, the transferable bond, and the contract that targets the transferable bond and the transferable bond is called a liquid property bond transfer contract
  • the insurer's server and the liquid property owner A process of concluding a fluid real estate bond transfer agreement between terminals, which concludes a contract by exchanging an electronic contract for fluid property bond transfer, which is an electronic contract file of the fluid property bond transfer agreement;
  • a fluid property bond management delegation process in which a fluid property bond management delegation is performed between the fluid property transaction intermediation server selling the fluid property and the insurance company server when the fluid property bond transfer contract is established;
  • a product information generation process of generating, by the fluid property transaction intermediation server, product information of the fluid property contract with which the fluid property bond is
  • the insurance company server Prior to the conclusion of the liquid property receivable contract, the insurance company server, if the insurance payment of all the value of the received liquid property is determined, the insurance company server, the owner of the fluid property including the fluid property name and the owner's name, address, contact information
  • An electronic contract issuing request process for transmitting a grant request message of a fluid property bond transfer electronic contract together with the information to the fluid property transaction brokerage server;
  • the electronic contract transmission process the fluid property brokerage server, the process of generating a fluid property bond transfer electronic contract in which the fluid property owner information is recorded, and assigning a unique security authentication code to the fluid property bond transfer electronic contract ; And transmitting, by the fluid property transaction intermediation server, the fluid property bond transfer electronic contract and a security authentication code to the insurance company server.
  • the fluid property bond transfer contract conclusion process the insurance company server, transmitting the fluid property bond transfer electronic contract to the fluid property owner terminal;
  • the fluid property owner terminal receives an electronic signature of a fluid property owner in the fluid property bond electronic contract and transmits it to the insurer server to transmit an electronic signature electronic contract that concludes a fluid property bond transfer contract between the insurance company and the liquid property owner.
  • Process may include.
  • the insurance company server transmits the security authentication code to the fluid property transaction intermediation server, and then authenticates it.
  • the fluid property transaction brokerage server issuing a fluid property bond management maintenance electronic certificate to transmit to the insurance company server; may include.
  • the fluid property bond management maintenance electronic certificate may be characterized as a certificate having an expiration date differently assigned for each type of fluid property to be managed.
  • the product information generating process may be characterized in that when there is a seizure and a base mortgage set in a fluid property, the waiting state is maintained without generating product information until the foreclosure and the base mortgage are resolved.
  • the product information generating process may be characterized by generating product information including any one or more of the ownership transfer history of the fluid property, the product management state of the fluid property, the storage state of the fluid property, the merchandise of the fluid property.
  • the product information generation process generates product information including a sales method and a sales period of a fluid property, wherein the sales method is one of public competitive bidding, private bidding, and direct sales according to the type of fluid property sold. May be determined in such a way.
  • the present invention can contribute to the healthy development of the non-life insurance industry.
  • the conventional method of circulating a liquid asset acquired by a non-life insurer after the payment of insurance benefits, either directly or indirectly, without wholesale or wholesale in the state of unregistered business is no longer necessary. If you have cash receivables, you do not have to do wholesale and retail distribution of automobiles, so there is no burden on insurers regarding national (value added tax) and local taxes (acquisition tax). The unnecessary costs can be reduced by not doing the homepage and on-site sales that were previously operated illegally.
  • the Financial Supervisory Service currently has insurance consumers who want to recover their indemnity only for some damages.
  • the cash recovery method using the liquid property bond transfer contract is highly versatile in some damage compensation, so that both the insurer and the consumer can give a desired profit, thereby ensuring flexibility in compensation processing. Therefore, insurance consumers who demand cash compensation without repairs can have a wider choice and provide a favorable environment for insurers' loss management.
  • the present invention also contributes to the stabilization of auto insurance premiums, so insurance premium cuts are a positive factor in government policy.
  • the embodiment of the present invention can contribute to the creative economy by fostering the fluid property transaction information industry.
  • the financial industry stops illegally performing activities such as auto mediation, which are suitable for SMEs, and acquires residual bonds a new knowledge information industry will increase the amount of trade that is currently traded with the increase in the number of real estate transaction information providers. It can grow to a market of 5 trillion won a year within the estimated size, contributing to the creation of many jobs.
  • the market for selling new automobiles can also contribute to the national economy by activating the pre-circulation.
  • the present invention most of the accidentally damaged cars are minimized from being distributed again in Korea and overseas buyers It is expected that a number of high-quality damaged cars will provide an exit to exports, which will activate the 1 million information trading market annually within a few years.
  • the new car sales market continues to sell an average of 20 million won per car, it is expected to contribute directly to the economic activation of 20 trillion won per year.
  • FIG. 1 is a flowchart illustrating a legitimate generic liquid property selling procedure.
  • Figure 2 is a flow chart illustrating the illegal general fluid property distribution procedure of the insurance company currently being made.
  • FIG. 3 is a flowchart illustrating a legal sales procedure of a fluid property such as an automobile.
  • FIG. 4 is a flowchart illustrating an illegal distribution procedure of a fluid property such as an automobile.
  • FIG. 5 is a block diagram showing a cash recovery system for cash recovery for the compensated fluid property in accordance with an embodiment of the present invention.
  • Figure 6 is a block diagram of a fluid asset brokerage server according to an embodiment of the present invention.
  • FIG. 7 to 8 are flowcharts illustrating a cash withdrawal process for an insurance covered fluid property according to an embodiment of the present invention.
  • FIG. 5 is a block diagram showing a cash recovery system for cash recovery for the compensated fluid asset in accordance with an embodiment of the present invention.
  • the present invention is an act of exercising a right of substitute. Acquisition of residual property bonds without acquiring the property, and recover cash goods through the third party bond manager (real estate transaction information brokerage).
  • residual bonds means that if the insurer pays all of the insurance premiums to the owner of the relevant liquid property (car, etc.), the owner of the liquid property has the obligation to pay the insurer the cash goods received after disposing of the liquid property. It refers to the bonds in a contract (hereinafter referred to as a 'liquid property transfer contract'), which establishes the interests of the creditor and the debtor in relation to the disposal of the liquid property.
  • a 'liquid property transfer contract' which establishes the interests of the creditor and the debtor in relation to the disposal of the liquid property.
  • the wired / wireless communication network 500, the fluid property owner terminal 100, the insurance company server 200, the fluid property transaction brokerage server 300, and the purchaser terminal 400 may be included. Can be.
  • the wired / wireless communication network supports wired or wireless communication between the fluid asset owner terminal 100, the insurance company server 200, the fluid asset transaction brokerage server 300, and the purchaser terminal 400.
  • the wired / wireless communication network is implemented as a wireless communication network
  • data is transmitted using a wireless mobile communication network including a base transceiver station (BTS), a mobile switching center (MSC), and a home location register (HLR). You can communicate.
  • BTS base transceiver station
  • MSC mobile switching center
  • HLR home location register
  • the wired / wireless communication network when the wired / wireless communication network is implemented as a wired communication network, it may be implemented as a network communication network, and data communication may be performed according to an Internet protocol such as Transmission Control Protocol / Internet Protocol (TCP / IP).
  • TCP / IP Transmission Control Protocol / Internet Protocol
  • the fluid property owner terminal 100 is a terminal used by a fluid property owner who is compensated through insurance processing, and may correspond to a smartphone, a tablet PC, a desktop PC, a laptop, and the like.
  • a fluid property owner is an insured who has incurred a fluid property damage, a victim who has been injured in a fluid property, and who is fully reimbursed for damages to the fluid property. If a car is damaged due to an accident, the owner is a fluid property owner.In addition, if a third party's vehicle is damaged due to negligence, an insured third party is the owner of the fluid property. That is, a person who is obliged to pay the insurer the price of the goods disposed of the liquid property after entering into a surplus bond receivable contract with an insurance company such as a non-life insurer. In the following description, a surplus bond transfer contract will be referred to as a liquid property bond transfer contract.
  • the fluid property owner terminal 100 receives the insurance processing request due to damage to the fluid property to the insurance company server 200 operated by the insurance company.
  • the liquid property owner may digitally sign or fingerprint the fluid property bond transfer agreement received from the insurance company server 200 through the terminal of the liquid property owner or the terminal of the insurance company employee presented by the insurance company employee.
  • the insurance company employee writes a handwritten signature or seal on the fluid property bond transfer contract directly output from the insurance company server 200 or the fluid property transaction brokerage server 300.
  • the insurance company server 200 is a server operated by an insurance company that performs insurance processing.
  • the insurer enters the remaining bond receivables contract (the liquid real estate receivables contract) under Article 681 (Captain of the Insurer) and Article 399 (Captain of the Liberal Act) of the Civil Code, and receives the bond (the price of goods disposed of the relevant liquid property).
  • An insurance company that has the right to do so.
  • the liquid property is the cash equivalent to be acquired when disposed of through the liquid property transaction broker designated by the insurer and is the money receivable that the liquid property owner will receive from the liquid property broker. It is a monetary debt that the owner must pay to the insurer and a transferable bond that must be transferred to the insurer.
  • the insurance company server 200 When the insurer calls a cash receivable for receiving cash goods in accordance with the monetary debt and is a transferable bond, and the contract that targets the transferable bond and the transferable bond is called a fluid property bond transfer contract, the insurance company server 200, Once the insurance payment for all of the received liquid property has been determined, a request for issuance of the liquid property bond transfer agreement with the information on the owner of the liquid property, including the name, address and contact information of the property, including the name of the liquid property owner Transfers to the fluid asset transaction brokerage server (300).
  • the fluid property bond transfer electronic contract is the fluid asset owner Receive the electronic property of the owner of the fluid asset in the electronic property contract transfer to the terminal (100), the digital signature of the owner of the real estate, or electronic signature directly through the terminal of the insurer employees, or the employee of the insurer to the insurance company server 200 or the liquid real estate transaction brokerage server ( By signing or signing a seal on a liquid property bond transfer agreement directly outputted from 300), a contract for a liquid property bond transfer is concluded between the insurer and the owner of the liquid property.
  • the insurance company server 200 when a liquid property bond transfer contract is established by receiving an electronic signature of the subject of insurance processing, the insurance company server 200 according to the fluid property bond management delegation contract between the insurer as a creditor and the fluid property transaction broker as a bond manager, the insurer server 200 is a fluid asset transaction brokerage server ( 300), the delegation of the management of fluid property bonds is entrusted to the delegation.
  • the fluid property brokerage server 300 is the fluid asset bond transfer contract and the liquid property bonds management commission, and acts as a sales agent for the liquid property authorized to sell from the liquid property owner, and the sale price to the insurance company It is a server operated by a fluid real estate brokerage provider.
  • the fluid property transaction intermediation server 300 has the same configuration as a general web server in hardware, and various forms such as C, C ++, Java, Visual Basic, Visual C, etc. in software. Contains program modules that are implemented through the language of and perform a variety of functions.
  • it can be implemented by using a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, Unix, Macintosh, etc. in general server hardware.
  • the websites used in the Windows environment, the Internet Information Server (IIS), and the CERN, NCSA, and APPACH used in the Unix environment may be used.
  • the fluid property transaction brokerage server 300 generates a fluid property bond transferable electronic contract in which the unique name and owner information of the fluid property are recorded and transmits it to the insurance company server 200.
  • the fluid property transaction intermediation server 300 receives the delegation of fluid property bond management from the insurance company server 200.
  • the fluid property brokerage server 300 generates the product information of the fluid property contract contracted to transfer the fluid property bonds, and registers the product information of the fluid property on the fluid property transaction sales bulletin board.
  • the sales bulletin board may generate and operate an integrated information board by a plurality of fluid asset transaction brokerage servers 300.
  • the fluid property transaction brokerage server 300 generates a fluid property transaction electronic certificate for the sold fluid property to the insurance company server 200 when there is a fluid property sold among the fluid property registered on the fluid property transaction sales bulletin board. Transfer the amount of the liquid property, excluding commissions, to the insurer's financial account.
  • the fluid property transaction brokerage server 300 will be described in detail later with reference to FIG. 6.
  • the purchaser terminal 400 may correspond to a terminal used by a vehicle used dealer as a terminal of a provider who purchases a fluid asset. Or, the purchaser may be an individual who wants to purchase a fluid asset (car).
  • the purchaser terminal 400 displays the fluid property registered in the fluid property transaction sales bulletin board.
  • Fluid Property Transaction The fluid property that the purchaser wishes to purchase is selected from the fluid properties registered on the sales bulletin board and payment of the sales price is made. Therefore, the purchaser can purchase the corresponding fluid property.
  • FIG. 6 is a block diagram of a fluid asset transaction brokerage server according to an embodiment of the present invention.
  • the fluid asset transaction brokering server 300 may include a server communication unit 310, an electronic contract issuing unit 320, a product information generation unit 330, a sales post registration unit 340, and a payment unit 350. ), The settlement unit 360, and the transaction electronic certificate issuer 370.
  • the server communication unit 310 supports protocols of hardware and software communicating with the insurance company server 200 and the purchaser terminal 400, respectively.
  • the server communication unit 310 may perform data communication according to an Internet protocol such as, for example, Transmission Control Protocol / Internet Protocol (TCP / IP).
  • TCP / IP Transmission Control Protocol / Internet Protocol
  • the electronic contract issuing unit 320 generates a fluid property bond transferable electronic contract in which the fluid property unique name and owner information are recorded, and transmits it to the insurance company server 200.
  • the fluid contract receivable electronic contract is created by recording the unique name and owner information of the fluid property. At this time, the generated fluid contract receivable electronic contract is assigned and stored with a unique security authentication code.
  • the product information generation unit 330 when the fluid property bond transfer contract is established and receives the delegation application of fluid asset bond management from the insurance company server 200, and generates the product information of the fluid property bond contract contracted.
  • Such commodity information if there is a foreclosure and base mortgage set in the fluid property, the commodity information is not generated until the foreclosure and base mortgage is resolved.
  • the commodity information generation includes any one or more of the history of ownership of the liquid property, the merchandise management status of the fluid property, the storage status of the fluid property, the merchandise of the fluid property, and other trading options.
  • a period may be included.
  • the selling method may be any one of open competitive bidding, closed bidding, and direct trading. Such a sales method may be determined differently according to the type of fluid property to be sold.
  • the sales post registration unit 340 registers the product information of the fluid property on the fluid property transaction sales bulletin board.
  • the payment unit 350 checks the payment of the payment from the fluid property purchaser for the fluid property in which the product information transaction is concluded among the fluid property registered in the fluid property transaction sales bulletin board, and performs the approval payment.
  • the settlement unit 360 deposits the amount excluding the commission from the sales price of the fluid property into the financial account of the insurance company.
  • the transaction electronic certificate issuing unit 370 generates a fluid property transaction electronic certificate for the sold fluid property and transmits it to the insurance company server 200, the fluid property owner terminal 100, and the fluid property purchaser terminal 400.
  • FIG. 7 to 8 are flowcharts illustrating a cash recovery process for an insurance covered fluid property according to an embodiment of the present invention.
  • the fluid property owner terminal 100 which is a terminal used by the owner of a fluid property who receives compensation for damages to the fluid property through insurance processing, receives a request for insurance processing due to the damage of the fluid property from the owner of the fluid property, and is operated by an insurance company.
  • the insurance company server 200 has an insurance processing acceptance process (S12).
  • the owner of the fluid property is the person who is obliged to pay the insurer the price of the goods disposed of the fluid property after entering into the liquid property bond transfer contract, which is the remaining property bond transfer contract with the insurer.
  • the insurance company server 200 After the insurance process acceptance process, when the insurance payment of all the value of the liquid property received insurance processing is determined, the insurance company server 200, the fluid property owner including the name and address of the owner and address, contact information
  • the electronic contract issuance request process (S14) for transmitting the grant request message of the fluid property bond transfer electronic contract together with the information to the fluid property transaction brokerage server 300 operated by the fluid asset transaction brokerage company.
  • the fluid property transaction brokerage server 300 operated by the fluid asset transaction brokerage company.
  • the fluid property transaction intermediation server 300 In response to the request for issuing the electronic contract, the fluid property transaction intermediation server 300 generates an electronic contract transferable electronic contract in which the fluid property and its owner information are recorded, and transmits the electronic contract to the insurance company server 200 (S16). S18).
  • the fluid property transaction brokerage server 300 In the electronic contract transmission process (S16, S18), the fluid property transaction brokerage server 300 generates a fluid property bond transferable electronic contract in which the fluid property and owner information are recorded, and the inherent security of the fluid property bond transfer electronic contract. The process of assigning the authentication code (S16). Then, the fluid property transaction brokerage server 300 has a process (S18) of transmitting the fluid property bond transfer electronic contract and security authentication code to the insurance company server (200).
  • the contract for the transfer of the liquid property bonds shall be made by the insurer who has received the electronic contract and sells the liquid property to the owner of the liquid property through the liquid property transaction broker designated by the insurer, and the payment of the liquid property is carried out by the insurance company. Under the condition of receiving directly from the brokerage agency, it should be included that the actual value of the fluid property immediately before the insurance accident is paid from the insurer.
  • the liquid property is the cash equivalent to be acquired when disposed of through the liquid property transaction broker designated by the insurer and is the money receivable that the liquid property owner will receive from the liquid property broker. It is a monetary debt that the owner must pay to the insurer and a transferable bond that must be transferred to the insurer.
  • the insurer calls a monetary receivable for receiving cash goods according to the monetary debt, the transferable bond, and the contract that targets the transferable bond and the transferable bond is called a fluid real estate bond transfer contract, it is fluidly connected with the insurance company server 200.
  • a fluid property bond transfer agreement conclusion process S20, S22 to conclude the contract by exchanging the electronic property bond transfer agreement electronic contract file of the fluid property bond transfer agreement.
  • Such a fluid property bond transfer contract conclusion process (S20, S22), the insurance company server 200, the process of transmitting the fluid property bond transfer electronic contract with the insurance payment notice (fluid property value) to the fluid property owner terminal (100) (S20) and the fluid property owner terminal 100 receives the digital signature of the fluid property owner in the fluid property bond transfer electronic contract and transmits it to the insurance company server 200, the fluid property bond transfer contract between the insurance company and the owner of the fluid property Has a digital signature electronic contract transmission process (S22) to conclude. That is, the subject of insurance processing is an electronic signature on an electronic contract for the assignment of the liquid property bonds received from the insurance company server 200 using its own certificate, etc., and thus, the electronic property signature contract is made between the insurance company and the owner of the liquid property.
  • the fluid property owner may perform fingerprint recognition or electronic signature on the fluid property bond transfer electronic contract received from the insurance company server 200 or the fluid property transaction brokerage server 300 to the terminal of the insurance company employee, and the insurance company employee
  • the liquid property bond transfer contract may be concluded by the owner of the liquid property directly signed or sealed by the fluid property bond transfer contract directly output from the server 200 or the fluid property transaction brokerage server 300.
  • fluid property bond transfer contract conclusion process (S20, S22) if the fluid property bond transfer contract is established, between the fluid property transaction brokerage server 300 and insurance company server 200 for selling the fluid asset, fluid It has a fluid property bond management delegation process (S24, S26) in which delegation of property bond management is performed.
  • this fluid property bond management delegation process (S24, S26), first, after receiving the digital signature of the subject of insurance processing, if the fluid property bond transfer contract is established, the insurance company server 200, the security property code to the fluid property transaction brokerage server ( After receiving the authentication by transmitting to 300), and transmits the fluid property bond management application in which the information of the fluid property and its owner is recorded to the fluid property brokerage server 300 and has a process (S24) to request the management of the fluid property bonds .
  • the fluid property transaction brokerage server 300 that receives the fluid property bond management application document in which the information of the fluid property and its owner is recorded issuing a fluid property bond management maintenance electronic certificate and transmitting it to the insurance company server 200 ( S26).
  • the process (S24) of requesting the management of the fluid property bonds is performed through the fluid property owner terminal (otherwise, the liquid property owner may digitally sign or fingerprint the contract generated by the terminal presented by the insurance company employee or the insurance company employee.
  • the insurance company server 200 and the liquid property bond transfer agreement directly output from the liquid property transaction brokerage server 300 (including the case where the liquid property owner signed a contract or seal signature), the insurance company server 200
  • the security authentication code received from the fluid property brokerage server 300 to the fluid asset brokerage server 300 again, and requests additional information, such as photographic data on the fluid property, and requests for management of the fluid property bonds.
  • the fluid property transaction brokerage server 300 which has been requested to manage the fluid property bonds, authenticates whether the security authentication code received from the insurance company server 200 matches the security authentication code assigned when issuing the fluid property bond transfer electronic contract. If the certification is successful in accordance with the agreement, the insurance company will provide a fluid property claim application form containing the contents of the application for issuing the fluid property receivable electronic contract and write the key to write additional information to record the specifications and components of the fluid property. Accepting the transmission to the server 200 is performed. And if there is such a consent, the insurance company server 200 receives the write permission key to record the additional information of the fluid property in the liquid property claims management application, the insurance company server 200 inputs this write permission key Record the information on the fluid property in the application form. The insurance company server 200 transmits the fluid property bond management application in which the information of the fluid property is recorded to the fluid property transaction brokerage server 300, and requests the transaction money transfer application and the fluid property bond management.
  • the fluid property transaction brokerage server 300 in the process (S26) of issuing the fluid property bond management maintenance electronic certificate to the insurance company server 200, the fluid property bond management maintenance electronic certificate is the debtor is a liquid asset Certificate of managing and preserving the sale of the liquidated property from the owner, which may have a validity period for maintenance.
  • the validity period of the management maintenance of the liquid property bond management maintenance electronic certificate may have a validity period that is differently assigned for each type of the fluid property to be managed.
  • the liquid property receivable management preservation electronic certificate can be assigned a validity period of 10 days, and in accordance with the relevant law, the liquid property that corresponds to the license registration is motorized, for example, by fluid property receivable management.
  • the validity period of the preservation electronic certificate may be assigned to 30 days, and for buildings up to 6 months. Since the size and value of goods vary depending on the type of fluid property, it is reasonable to have a valid expiration date according to the type of fluid property brokerage, the creditor's insurance company, the debtor's owner of the liquid property, and the purchaser of the liquid property.
  • the fluid property brokerage server performs the sale of the liquid asset commissioned for sale, for this purpose, the fluid property brokerage server 300.
  • the assigned real estate information processing service is assigned to the employees (fluid real estate information processing company), and the assigned real estate information processing company is subject to the confirmation process of the contract for the transfer of the liquid real estate bonds to the owner of the liquid real estate, which is the debtor.
  • the fluid property information processor checks distribution restrictions such as seizure and base sugar set in the fluid property.
  • the fluid property transaction brokerage server 300 receives information on distribution restrictions such as the foreclosure and the existence of a mortgage from the fluid property information processor (S28).
  • the fluid real estate transaction brokerage server 300 has a fluid in the insurance company server 200 that is a creditor when there is no goods value of the fluid property or seizure setting from a public institution such as a court or the IRS in the process of generating product information of the fluid property. Send a property receivable out-of-service message and send a consignment non-consolidation message to the owner of the liquid property who is the debtor.
  • the fluid property transaction intermediation server 300 When the fluid property investigation is completed, the fluid property transaction intermediation server 300, the product information generation process (S30) for generating the product information of the fluid asset contracted to the fluid property bond transfer, and the fluid property transaction brokerage server 300 , The product information registration process (S32) for registering the product information of the fluid property on the fluid property transaction sales bulletin board.
  • the product information generation process (S30) if there is a foreclosure and the base mortgage set in the fluid property, it may maintain the standby state without generating product information until the foreclosure and the base mortgage is resolved. Wait until the foreclosures and mortgages set in the fluid estate are resolved.
  • the product information generation process (S30), it is possible to generate product information including any one or more of the ownership history of the liquid property, the product management state of the fluid property, the storage state of the fluid property, the merchandise of the fluid property.
  • the fluid property information processor grasps the history of ownership changes of the fluid property, the product management status of the fluid property, the storage status of the fluid property, and the merchandise of the fluid property, and inputs it to the fluid property brokerage server.
  • the transaction brokerage server 300 generates product information in which the received information is recorded (S30).
  • the product information generation process (S30), the product information including the sales method of the liquid property, the sale period is generated, the selling method may be determined by any one of the sales method of open competitive bidding, private bidding, direct trading, Depending on the type of fluid property may be determined from the above sales method. For example, in case of high price or rarity, the price may be closed bidding, and in the case of low price or general fluid property, it may be open competitive bidding. This ensures that the best selling method is used to increase the selling price.
  • the product information registration process (S32), the product information is registered as the sale information and the purchase order of the purchaser is made in real time by the transaction rules on the transaction brokerage program.
  • the purchaser terminal 400 is connected to the fluid property transaction sales bulletin operated by the fluid property brokerage server 300 to access the product information of the fluid property sold It reads (S34).
  • the purchaser selects the information of the preferred liquid property and purchases the order (S36) and pays the payment (S38), the debtor and the owner of the liquid property transfer the property and property of the liquid property to the liquid property purchaser (S40).
  • the fluid property transaction intermediation server 300 when there is a fluid property sold among the fluid property registered in the fluid property transaction sales bulletin board, the fluid property transaction intermediation server 300 generates the fluid property transaction electronic certificate for the sold fluid property to the insurance company server 200. And the transfer to the purchaser terminal 400 (S42), and the remittance of the liquid property claims by remitting the amount excluding the commission from the sales price of the fluid property (S44) to the insurance company's financial account.
  • the execution information is electronically transmitted to the purchaser who is a trading party and the fluid asset transaction brokerage company, and the purchaser remits the execution amount (combination of transaction price and fee) to the deposit account of the fluid asset transaction brokerage company.
  • the fluid property brokerage agency informs the owner of the fluid property about the conclusion of the transaction information and the transfer of documents relating to the property and the transfer of ownership to the purchaser with the purchase order.
  • the liquid real estate transaction brokerage company pays the settled transaction price to the insurer, the creditor, on behalf of the owner of the liquid asset, and issues the liquid real estate transaction electronic certificate to the purchaser, the liquid property owner, and the insurance company.
  • the issuance of an electronic certificate of a liquid property transaction terminates all procedures for the sale of a liquid property transaction.

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Abstract

La présente invention concerne un procédé de gestion d'un bien tangible ayant fait l'objet d'une indemnisation d'assurance. La présente invention règle le problème technique que représente pour une société financière, telle une compagnie d'assurance, la collecte rapide, fiable, en espèces et au moyen d'un système filaire/sans fil (Internet, etc.) d'actifs financiers convertis en titres, au lieu d'acquérir un bien tangible, telle une automobile, qui est habituellement obtenu suite au versement d'une indemnisation d'assurance.
PCT/KR2016/010667 2016-08-25 2016-09-23 Procédé de collecte d'argent en espèces à partir d'un bien tangible ayant fait l'objet d'une indemnisation d'assurance WO2018038312A1 (fr)

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KR1020160108212A KR101771640B1 (ko) 2016-08-25 2016-08-25 보험 보상 처리된 유체동산에 대한 현금 회수 방법
KR10-2016-0108212 2016-08-25

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KR102101211B1 (ko) 2019-07-22 2020-04-16 영카주식회사 차량 소유주 중심의 교통사고 처리 시스템
KR102146249B1 (ko) 2019-10-16 2020-08-20 임명택 손상차 가격산정 및 판매 방법 및 손상차 가격산정 및 판매 시스템

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