KR20010087072A - Insurance Reverse Auction of Insurance Broker - Google Patents

Abstract

PURPOSE: A method for an insurance reverse auction of an insurance intermediary company is provided to transfer desired conditions to all insurance companies at only an input so that clients can easily and conveniently obtain desired insurance information. CONSTITUTION: If a client who wants to open insurance inputs conditions necessary for the estimation of a premium through the web browser, the contents are stored in a database of an insurance intermediary company. The insurance intermediary company transmits the contents to many insurance companies appointed by the client. If the insurance companies estimate their respective premiums using their servers and transmit the calculated premiums to the database, the database arranges the contents and transmits them to the client. Checking the contents, the client selects an insurance company and a premium payment type. Then the client sends the data to the insurance intermediary company after his digital signature.

Description

Insurance Reverse Auction of Insurance Broker

The present invention relates to the insured method of the insurer, and the conventional method is that each insurer informs each insurance company of the conditions for insurement, and each insurer informs the conditions of its underwriting.

The new method tells all insurance companies that the customer only needs to enter the conditions of insurance once on the insurance brokerage Internet site (CyberInsurance. Com), and the insurance company that receives this information informs the insurance broker of the terms of their acquisition. If you give it, it is a way of informing customers

The customer selects one company by comparing and analyzing the information received from multiple insurance companies, and pays the premium

In the previous method, in order to find out the conditions for insurance, such as insurance premiums, the insurance companies had to inform each insurance company of the conditions for calculating the insurance premiums.

This invention is to be delivered to all insurance companies that want to compare the customer with a single input so that you can easily and easily obtain the desired insurance information

Based on this information, the customer selects the insurance company he or she wishes to subscribe to, and the payment is simply made with a credit card and the insurance contract is concluded.

The drawings are sent to the insurance brokerage internet site (CyberInsurance.co.kr) when the customer wants to receive the terms and conditions from various insurance companies and deliver them to the customer. Is a conceptual diagram of an insurance reverse auction method of selecting and paying

The present invention provides a database of insurance brokers through the web browser to find out the conditions necessary for insurance purchases and premiums, such as the type of insurance product, age, gender, social security number, occupation, insurance amount, and duration of insurance. The information is stored in and sent to several insurance companies specified by the customer.

Insurance companies calculate their premiums using their own servers and send them back to the insurance broker's database, which is then compiled and sent to the client.

After viewing the contents, the customer selects the insurance company and the insurance payment method, signs the digital signature and sends the data to the insurance broker.

In the past, insurance sales organizations such as insurance company employees, agents, and architects belonged to one insurance company and sold their insurance products at the same price. Couldn't give

Since insurance brokers have the authority to sell insurance products of all insurance companies, they can compare the insurance conditions of all insurance companies and present them to customers on the basis of this data.

In addition, insurance premiums are not autonomous by insurance companies, so the difference in insurance premiums, the most important decision factor in reverse auctions, is insignificant, so it is less effective. It will be greatly activated and contribute to the improvement of customer's rights and interests.

Since April 2000, the Insurance Supervision Regulations have been amended to allow the signing of insurance contracts by electronic signature

As a realization of this invention, customers can reasonably purchase insurance by collecting and comparing information of all insurance companies easily.

Claims (3)

The client sends the insurance conditions to the insurance broker: The customer selects the desired insurance product and insurance company using a web browser and inputs the necessary conditions for calculating the insurance premium to the server of the insurance brokerage company. Receiving conditions of underwriting from multiple insurance companies and sending them to customers: Sending the insurance terms entered by the customer to various insurance companies, receiving the insurance terms from several insurance companies, and sending them to the customer to select the insurance company the customer wants to join. Steps to select an insurance company and sign an insurance contract: The customer selects one insurance company, makes a payment contract using a credit card / electronic money, etc. and enters into an insurance contract by electronic signature.