KR20090023457A - Joint Drop Insurance Service Provision System - Google Patents

Abstract

The present invention relates to a joint cargo insurance service providing system, comprising: an interface providing means for providing a user interface for inputting (or selecting) cargo insurance subscription application information for a joint cargo insurance subscription to a trade transaction enterprise customer terminal, and the trade Information receiving means for receiving the insurance application information, including trade transaction corporate customer information and trade transaction status information input (or selected) from the transaction enterprise customer terminal, and trade transaction status of the trade transaction enterprise customers Validation means for authenticating the validity of the trade transaction status information included in the received cargo insurance application information in conjunction with a storage medium for storing information, and if the validity of the trade transaction status information is authenticated, the storage Same trade terms and conditions from the media-the same exporter (importer), same product, The same ship, the same transportation section, etc.- Information checking means for confirming the information of the trade transaction enterprise customers with information, and corresponding to the number of trade transaction enterprise customers who want to jointly join the cargo insurance among the trade transaction enterprise customers with the same trade conditions A premium calculating means for calculating a drop premium (or a premium discount rate), and a subscription processing means for applying the calculated drop premium (or premium discount rate) jointly to the drop insurance corresponding to the trade conditions. .

Description

System for Providing Union Insurance on Goods Service

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

5 is a diagram illustrating a system of providing a face-to-face joint drop insurance service for joint insurance of trade transactions corporate customers according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of providing a joint cargo insurance service for jointly joining the cargo insurance of trade business customers in a face-to-face manner according to an embodiment of the present invention.

7 is a diagram illustrating a non-face-to-face joint drop insurance service providing system for jointly joining drop insurance according to another embodiment of the present invention.

FIG. 8 is a diagram illustrating a process of providing a joint cargo insurance service for jointly joining cargo insurance of a trading business customer in a non-face-to-face manner according to an exemplary embodiment of the present invention.

9A and 9B are diagrams illustrating a process of providing a joint cargo insurance service for jointly joining cargo insurance of a trading business customer in a non-face-to-face manner according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: loan support server 505: interface unit

510: interface providing unit 515: information receiving unit

520: Validation unit 525: Status information request unit

530: status information receiving unit 535: comparison / verification unit

540: calculating unit 545: loan support unit

550: storage medium

The present invention provides an interface providing means for providing a user interface for inputting (or selecting) drip insurance subscription application information for a joint drip insurance subscription to a trade transaction corporate customer terminal, and the trade transaction corporate customer terminal through the user interface. In connection with the information receiving means for receiving the insurance application information, including the entered (or selected) trade transaction enterprise customer information, trade transaction status information, and a storage medium for storing the trade transaction status information of the trade transaction enterprise customers, Validation means for authenticating the validity of the trade transaction status information included in the received dload insurance subscription application information, and if the validity of the trade transaction status information is certified, the same trade terms and conditions from the storage medium-the same exporter (Importer), same commodity, same ship, same section of transportation-trade transaction with information Calculation of premiums for calculating the insurance premium (or discount rate) corresponding to the information checking means for confirming the corporate customer information and the number of trade-trade corporate customers who wish to jointly join the cargo insurance among the trade-trade corporate customers having the same trade conditions. The present invention relates to a joint cargo insurance service providing system including a subscription processing means for jointly applying and processing a cargo insurance corresponding to the trade condition by applying a means and the calculated cargo premium (or premium discount rate).

Shipment insurance is a marine insurance that compensates for cargo damages caused by an accident in transit, leaving the hands of the seller who entered into a contract with the carrier to carry the cargo to a trader living in another country. Sign up for the various risks incurred in transit until they are delivered to the buyer.

In addition, in case of damage, cargo insurance compensates the insured company within the prescribed method and scope, and the insurance policy specifying the insurance contract is used as payment method along with shipping documents, bills of lading and commercial invoices. The risks covered by security include damage to ships or ships, damage from stranding, fire, explosions, collisions with objects other than water, damages from contact, shipping, unloading and transshipment.

In order to purchase such cargo insurance, customers had to prepare various application documents such as invoices.

An object of the present invention for solving the above problems is an interface providing means for providing a user interface for inputting (or selecting) drip insurance subscription application information for a joint drip insurance subscription to a trade transaction corporate customer terminal, and the trade transaction. Information receiving means for receiving a subscription insurance application information including trade transaction corporate customer information and trade transaction status information input (or selected) from a corporate customer terminal, and trade transaction status information of a trade transaction corporate customer; Validation means for certifying the validity of the trade transaction status information included in the received cargo insurance subscription application information in conjunction with a storage medium for storing the; and if the validity of the trade transaction status information is authenticated, the storage medium Same trade conditions from the same exporter (importer), same product, same vessel, same Transportation section, etc.-Information checking means for confirming the information of the trading business enterprise with information, and the dropping premium corresponding to the number of trading business customers who want to jointly join the cargo insurance among the trading business customers with the same trading conditions. (Or insurance premium calculation means for calculating an insurance premium discount rate) and a subscription insurance means including a subscription processing means for applying the calculated insurance premium (or premium discount rate) jointly to the cargo insurance corresponding to the trade conditions. In providing a service providing system.

The joint cargo insurance service providing system according to the present invention comprises an interface providing means for providing a user interface for inputting (or selecting) the cargo insurance subscription application information for the joint cargo insurance subscription to a trade transaction enterprise customer terminal, and the trade transaction. Information receiving means for receiving a subscription insurance application information including trade transaction corporate customer information and trade transaction status information input (or selected) from a corporate customer terminal, and trade transaction status information of a trade transaction corporate customer; Validation means for certifying the validity of the trade transaction status information included in the received cargo insurance subscription application information in conjunction with a storage medium for storing the; and if the validity of the trade transaction status information is authenticated, the storage medium Same trade terms from the same exporter (importer), same product, same line Information checking means for confirming the trade transaction corporate customer information having the same information, and the same transportation section; and a drop corresponding to the number of trade transaction enterprise customers who wish to jointly subscribe to the cargo insurance among the trade transaction enterprise customers having the same trade transaction conditions; Insurance premium calculation means for calculating an insurance premium (or premium discount rate) and subscription processing means for applying the calculated drop premium (or premium discount rate) jointly to the cargo insurance corresponding to the trade transaction conditions. It features.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an embodiment of the present invention.

In more detail, Figure 1 shows a trade transaction status information corresponding to the trade transaction contract by the information registration system through a predetermined information registration interface for a trade transaction enterprise customer who has entered into a predetermined trade transaction contract with a given trading partner company. In order to provide trade transaction status information including at least one trade transaction corporate customer information and trade transaction contract information, the trade transaction corporate customer information and trade transaction contract included in the provided trade transaction status information in the information registration system. As a system configuration for linking and storing information in a predetermined storage medium 130, a person having ordinary knowledge in the art to which the present invention pertains refers to or modifyes a trade transaction contract by referring to FIG. Various implementation methods can be inferred for the construction of the information registration system for registering trade transaction status information. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the trade transaction status information provided from the trade transaction enterprise customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering trade transaction status information corresponding to a trade transaction contract includes at least one wired terminal or a wireless terminal used by a trade transaction enterprise customer. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal has a communication channel with the information registration server 100 provided on the information registration system through a predetermined network means. Connected.

According to an embodiment of the present invention, the trade transaction enterprise customer is connected to the information registration server 100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network and When the trade transaction status information for registering the trade transaction status information corresponding to the trade transaction contract is input (or selected) through at least one user interface provided by the information registration server 100, the client terminal may select a predetermined number. It is preferable to transmit to the information registration server 100 provided on the information registration system through a network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 100 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 100 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

The client terminal may output at least one user interface provided by the information registration server 100, input or select at least one information through the user interface, and transmit the information to the information registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and at least one wired communication network connecting the client terminal and the information registration server 100. Alternatively, the wireless communication network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction enterprise customer.

According to another exemplary embodiment of the present invention, the information registration terminal uses a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution (Or a server) (not shown) may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server ( A wired telephone network or a wireless telephone network connecting 100) performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the trade enterprise company, or the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the company, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the information registration server 100. The network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction enterprise customer.

The storage medium 130 provided on the information registration system according to the present invention performs a predetermined process by integrating the trade transaction company customer information and trade transaction contract information included in the trade transaction status information provided from the information registration terminal. Characterized in the storage medium 130, the trade transaction status information including at least one or more of the trade transaction enterprise customer information, trade transaction contract information stored in the storage medium 130 to register the trade transaction contract information To be used.

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer Member ID information provided in a predetermined storage medium 130 associated with the information registration system in response to the trade transaction corporate customer by joining as a member of the trade transaction status information registration authority), the trade transaction corporate customer It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name.

The trade transaction contract information includes the trade name of the trading partner country, the address of the trading partner country, the contact number of the trading partner country, the trading partner country of the trading company, the trading account of the trading partner country, the trade account of the trading partner, the specification of the trade target. Preferably, the transaction transaction amount, trade transaction currency, and trade transaction schedule are included.

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited thereto. .

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction status information from the information registration terminal to the information registration terminal; An information receiving unit 115 for receiving predetermined trade transaction status information transmitted from the information registration terminal through the user interface in connection with the interface unit 105 and the received trade transaction status information. It comprises the information storage unit 125 for storing the information stored in a predetermined storage medium 130 by linking and processing the trade transaction company customer information, trade transaction contract information included It characterized.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction status information to the information registration server 100 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. The user interface generated (or extracted) in cooperation with 105 is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) trade transaction status information including at least one of the trade transaction corporate customer information and trade transaction contract information based on the user interface, and the input (or selected) trade. The transaction status information is transmitted to the information registration server 100 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the trade transaction status information to the information registration terminal and transmitting the trade transaction status information to the information registration server 100 through the network means. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 115 inputs (or selects) trade transaction status information including at least one of trade transaction corporate customer information and trade transaction contract information through the user interface at the information registration terminal and transmits the information through the network means. Then, the trade transaction status information is received in conjunction with the interface unit 105, and provides the received trade transaction status information to the validity check unit 120.

The validity confirming unit 120 checks whether the trade transaction status information received from the information registration terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

According to the method of the present invention, at least one or more member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the trade transaction status information registration confirms whether the trade transaction corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable that it consists of including.

When the validity of the trade transaction status information registration is confirmed, the information storage unit 125 processes the trade transaction corporate customer information and trade transaction contract information included in the trade transaction status information to the storage medium 130. When the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 Is preferably stored in the storage medium 130 by linking and processing the trade transaction company customer information, trade transaction contract information included in the received trade transaction status information, the storage medium 130 is provided on the financial system When provided in the DBMS, the information storage unit 125 stores the trade transaction corporate customer information and trade transaction contract information included in the received trade transaction status information through the external system on the financial system. Provided is preferably stored in a DBMS provided on the financial system.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 100 and connecting a communication channel for registering the trade transaction status information corresponding to the trade transaction contract according to the present invention, the trade transaction company to the information registration server 100 through the communication channel When the trade transaction status information including customer information and trade transaction contract information is transmitted, the transaction processing company customer information and trade transaction contract information included in the received trade transaction status information are processed in the information registration server 100. As an embodiment of the present invention for storing in a predetermined storage medium 130, those skilled in the art to which the present invention pertains, Although various implementation methods for registering the trade transaction status information from the client terminal to the information registration server 100 may be inferred by referring to FIG. 2 or modified, the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The trade transaction corporate customer information and trade transaction contract information transmitted to the server 100 is referred to as "trade transaction status information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction status information registration by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the trade transaction status information corresponding to the trade transaction contract. When requesting the trade transaction status information registration (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction status information (205), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) trade transaction status information including at least one of the trade transaction corporate customer information and trade transaction contract information at the terminal. It is preferable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the trade transaction status information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction status information including at least one trade transaction corporate customer information and trade transaction contract information through the information registration interface (215).

If the trade transaction status information including the trade transaction enterprise customer information and trade transaction contract information is input (or selected) through the information registration interface (220), the terminal receives the input through the communication channel ( Or the selected) trade transaction company customer information, trade transaction contract information is transmitted to the server (225).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) trade transaction corporate customer information and trade transaction contract information to the server through the communication channel is input (or selected) through the information registration interface. The trade transaction status information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the trade transaction corporate customer information and trade transaction contract information through the communication channel to check the validity of the trade transaction status information (230).

According to the method of the present invention, confirming the validity of the trade transaction status information registration, if the trade transaction status information is electronically signed or encrypted through the security module provided in the terminal, the trade transaction status information Or may further include decoding the trade transaction status information.

According to an embodiment of the present invention, the validity of the trade transaction status information is whether at least one member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

For example, the validation of the trade transaction status information may be performed to determine whether the trade transaction corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include what is included.

If the validity of the trade transaction status information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240) and corresponds to the trade transaction status information. Do not perform the information registration procedure.

On the contrary, if the validity of the trade transaction status information is authenticated (235), the server performs an information registration procedure corresponding to the registration of the trade transaction status information, thereby linking and processing the trade transaction enterprise customer information and trade transaction contract information. The data is stored in the predetermined storage medium 130 (245).

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited thereto. .

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (250), thereby completing the procedure of registering the trade transaction status information transmitted from the terminal.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an embodiment of the present invention.

In more detail, Figure 3 shows the trade transaction status information corresponding to the trade transaction agreement with the information registration system through the predetermined information registration interface of the business partner of the trading partner country who has entered into the predetermined trade transaction agreement with the given trade transaction company. In order to provide the trade transaction status information including at least one trading partner country company customer information, trade transaction contract information for the trade transaction partner country corporate customer information, trade included in the provided trade transaction information in the information registration system As a system configuration for linking and processing transaction contract information in a predetermined storage medium 330, those skilled in the art to which the present invention pertains, refer to or modify this figure 3 in the trade transaction contract Various implementation methods for constructing an information registration system for registering corresponding trade transaction status information Would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one means or functional configuration for storing the trade transaction status information provided from the trading partner country company customer through the predetermined information registration interface on the information registration system shown in FIG. 3 in the storage medium 330. The component corresponding to the "information registration server 300" is called for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for registering trade transaction status information corresponding to the trade transaction contract includes at least one wired terminal or a wireless terminal used by a business customer of a trading partner country. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal communicates with an information registration server 300 provided on the information registration system through a predetermined network means. This is connected.

According to an exemplary embodiment of the present invention, the trading partner company customer is connected to the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) trade transaction status information for registering trade transaction status information corresponding to the trade transaction contract through at least one user interface provided by the information registration server 300, the client terminal It is preferable to transmit to the information registration server 300 provided on the information registration system through the network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may include a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 300 connected to the client terminal is either an Internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the enterprise customer of the trading partner country, and at least one wired connecting the client terminal and the information registration server 300. The communication network or the wireless communication network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the corporate customer of the trading partner country.

According to another exemplary embodiment of the present invention, the information registration terminal uses a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution ( Or a server) (not shown), by which the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server ( The wired telephone network or the wireless telephone network connecting 300 performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the enterprise customer of the trading partner country, or the financial information that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with an organization, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 300 The connecting network performs a function of an information registration interface for registering a trade transaction status information corresponding to the trade transaction contract by a corporate customer of the trading partner country. .

The storage medium 330 provided on the information registration system according to the present invention is predetermined by integrating and processing the trading partner country company customer information and trade transaction contract information included in the trade transaction status information provided from the information registration terminal. Characterized in that the storage medium 330, the trade transaction status information containing at least one or more of the trade transaction company customer information, trade transaction contract information stored in the storage medium 330 is registered in the trade transaction contract information Is used for.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, Member ID information provided in a predetermined storage medium 330 associated with the information registration system in response to a trade customer of the trading partner country by registering a customer as a member of the trade transaction status information registrar; And at least one account information (eg, account establishment institution, account number, etc.) corresponding to a financial account opened in the name of a corporate customer of the other country. Preferable.

The trade transaction contract information includes a trade transaction corporate customer name, a trade transaction enterprise customer address, a trade transaction enterprise customer contact information, a trade transaction enterprise customer transaction bank, a trade transaction enterprise customer transaction account, a specification of a trade transaction object, a trade transaction transaction amount, and a trade. It is preferable to include at least one transaction transaction currency, a trade transaction schedule.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited. .

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction status information from the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined trade transaction information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with an interface unit 305, and the received trade transaction information; It is provided with an information storage unit 325 for storing in a predetermined storage medium 330 by processing the trading partner country company customer information, trade transaction contract information included in the It is characterized by losing.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction status information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and the interface unit. In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) trade transaction status information including at least one of the trading partner country company customer information and trade transaction contract information based on the user interface, and the input (or selected) The trade transaction status information is transmitted to the information registration server 300 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the trade transaction status information to the information registration terminal and transmitting the trade transaction status information to the information registration server 300 through the network means. If the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, thereby the present invention is not limited.

The information receiving unit 315 inputs (or selects) trade transaction status information including at least one of trading partner country company customer information and trade transaction contract information through the user interface through the user interface through the network means. When transmitting, the trade transaction status information is received in cooperation with the interface unit 305, and the received trade transaction status information is provided to the validity verification unit 320.

The validity confirming unit 320 checks whether the trade transaction status information received from the information registration terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

According to the method of the present invention, at least one or more member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the trade transaction status information registration is whether the trade customer information of the trading partner country included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

When the validity of the registration of the trade transaction status information is confirmed, the information storage unit 325 performs a process of linking and processing the trade customer information of the trading partner country included in the trade transaction status information and the trade transaction contract information in the storage medium 330. And the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300. Preferably, the data is stored in the storage medium 330 by linking and processing the trading partner company information and trade transaction contract information included in the received trade transaction status information, and the storage medium 330 is on the financial system. When provided in the provided DBMS, the information storage unit 325 is the trade transaction partner country customer information, trade transaction contract information included in the received trade transaction status information on the financial system Information provided to step through the outer space and is preferably stored in a DBMS provided on the financial system.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to an embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 and connecting the communication channel for registering the trade transaction status information corresponding to the trade transaction contract according to the present invention, the trading partner country to the information registration server 300 through the communication channel When the trade transaction status information including corporate customer information and trade transaction contract information is transmitted, the trading partner information of the trading partner country included in the received trade transaction status information from the information registration server 300 and the trade transaction contract information. As an embodiment of the present invention relates to a method of storing the data in a predetermined storage medium 330 by linkage processing. If it is a pendulum, it is possible to infer various implementation methods of registering the trade transaction status information from the client terminal to the information registration server 300 by referring to or modifying the present invention, but the present invention is inferred from all implementations inferred. It includes a method and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The trading partner country corporate customer information and trade transaction contract information transmitted to the server 300 is referred to as "trade transaction status information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction status information registration by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the trade transaction status information corresponding to the trade transaction contract. When requesting to register the trade transaction status information (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction status information (405), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) trade transaction status information including at least one of trading partner country company customer information and trade transaction contract information at the terminal. It is preferable to make.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the trade transaction status information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction status information including at least one trading partner country company customer information and trade transaction contract information through the information registration interface (415).

If the terminal enters (or selects) trade transaction status information including the trading partner country company customer information and trade transaction contract information through the information registration interface (420), the terminal inputs the information through the communication channel. In operation 425, the client's customer information and trade transaction contract information of the selected trading partner country are transmitted to the server.

According to an embodiment of the present invention, the transmitting (or selecting) the trading partner company information and the trading contract information inputted through the communication channel to the server may be input (or selected) through the information registration interface. The electronic device may further include transmitting the trade transaction status information to an electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the trading partner company information and the trade transaction contract information through the communication channel to check the validity of the trade transaction status information (430).

According to the method of the present invention, confirming the validity of the trade transaction status information registration, if the trade transaction status information is electronically signed or encrypted through the security module provided in the terminal, the trade transaction status information Or may further include decoding the trade transaction status information.

According to an embodiment of the present invention, the validity of the trade transaction status information is whether at least one member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

For example, the validity check of the trade transaction status information confirms whether the trade partner country company customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable that it consists of including.

If the validity of the trade transaction status information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the trade transaction status information. Do not perform the information registration procedure.

On the contrary, if the validity of the trade transaction status information is authenticated (435), the server performs an information registration procedure corresponding to the registration of the trade transaction status information, thereby linking and processing the trading partner enterprise customer information and trade transaction contract information. The storage medium 330 is stored in the predetermined storage medium 330 (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited. .

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the trade transaction status information transmitted from the terminal.

5 to 9, after the trade transaction status information is stored in a predetermined storage medium through the information registration system shown in FIG. Apply for insurance Trade transaction Check the trade transaction status information of a corporate customer, and check at least one or more of the same (or similar) trade terms (e.g., same exporter, same importer, same product, same ship, same section It shows the implementation method of collecting and dealing with trade insurance company customers under the terms of the transaction.

5 is a diagram illustrating a system of providing a face-to-face joint drop insurance service for joint insurance of trade trading enterprise customers according to an embodiment of the present invention.

In more detail, Figure 5 shows that if a trade transaction corporate customer provides a drop insurance subscription application information including trade transaction corporate customer information for joint subscription of drop insurance to a joint load insurance service providing system through a predetermined information registration interface, In the joint descent insurance service providing system, the trade transaction status information corresponding to the trade transaction corporate customer information included in the drip insurance subscription application information provided by the trade transaction corporate customer is checked from a predetermined storage medium 550, and the confirmation A trade transaction that satisfies at least one or more trade terms (eg, the same exporter, the same importer, the same product, the same shipping vessel, or the same trade segment) contained in the current trade transaction status information. Identifying corporate customers and ensuring that they have the same conditions The present invention relates to a system configuration for calculating a drop insurance product and a drop insurance discount rate corresponding to transaction business customers and jointly processing the drop insurance product, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 5 or various modifications may be inferred for constructing a joint cargo insurance service providing system for jointly joining the cargo insurance of business customers, but the present invention includes all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

Hereinafter, on the joint cargo insurance service providing system shown in FIG. 5, each trade transaction status information corresponding to the cargo insurance subscription application information provided from a plurality of trade transaction corporate customers through a predetermined information registration interface is stored. ) Extracts (or confirms) the information, and checks the trade condition information included in the extracted trade transaction status information, collects trade transaction enterprise customers having the same trade condition information, and collects the same trade transaction. Automatically calculating the discount insurance discount rate corresponding to the number of jointly registered trade customers (or the amount of trade transactions of the jointly registered trade customers, trade period, etc.) when the trade insurance corporate customers with the conditional information are jointly enrolled. For the sake of convenience, at least one means or component corresponding to the functional It is referred to as server 500 ".

Referring to FIG. 5 according to an embodiment of the present invention, the joint cargo insurance service providing system for jointly joining the cargo insurance of the trade business customers is a window provided in at least one financial institution branch (or branch or head office). And an information registration terminal including a terminal, wherein the information registration terminal has a communication channel with a drop insurance service providing server 500 provided on the joint drop insurance service providing system through a predetermined financial network. Connected.

According to an exemplary embodiment of the present invention, a trade-trade enterprise customer visits the financial institution branch (or branch office or head office) for joint insurance insurance, and through a window provided at the financial institution branch (or branch office or head office). Predetermined application for co-insurance of trade-in business customers (eg through a clerk) (e.g., document with a form for filling in at least one item of information for co-insurance of trade-in business customers) When the completed application is submitted to the clerk, the clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal receives the input (or selected) information. To transmit to the drip insurance service providing server 500 provided on the joint drip insurance service providing system through the financial network. Is recommended.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or branch or head office) of the financial institution, drip insurance service providing server 500 connected to the teller terminal is the predetermined Preferably it comprises a ledger server provided on the financial system of, the financial network connecting the window terminal and the drop insurance service providing server 500 is the communication between the window terminal and the drop insurance service providing server 500 It is preferable to include a network for connecting the channels.

In the joint descent insurance service providing system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the drip insurance service providing server 500 are provided by the customer. It performs a function of the information registration interface for registering the drip insurance subscription application information for the drip insurance subscription of the at least two trade customers.

The storage medium 550 provided on the joint cargo insurance service providing system according to the present invention includes trade transaction company customer information registered in FIG. 1 or FIG. 3 and trade transaction status information corresponding to the trade transaction company customer. Characterized in that it is stored.

The storage medium 550 may further include insurance premium (or premium discount rate) calculation policy information for calculating a drop premium (or premium discount rate) according to joint trade insurance subscription of the trading customers. .

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer Member ID information provided in a predetermined storage medium 550 associated with the information registration system in response to the trade transaction corporate customer by joining as a member of the trade transaction status information registrar; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name.

The trade transaction status information may provide information on the process (or stage) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with a trading partner company. The trade transaction status information may be further included. For example, if the trade transaction enterprise customer has concluded a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, the trade transaction enterprise customer Once the shipment for the relevant trade item has been completed, it may be replaced with shipping document information for the shipment of the trade item.

The insurance premium (or premium discount rate) calculation policy information may include insurance amount (or premium discount rate) and insurance period for each trade transaction amount, insurance period for each trade transaction period (or premium discount rate) and insurance period, insurance amount for each trade transaction stage (or premium discount rate). Insurance amount (or premium discount rate) by insurance period, trade transaction performance (or transaction history) and insurance period (or premium discount rate), insurance period, and insurance period, by insurance period, company performance (or transaction history) of trading partner country ( Primary and secondary insurance companies) may be configured to include at least one or more insurance amount (or premium discount rate).

Here, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade transaction amount, trade period, trade transaction progress stage, trade transaction company performance (or transaction history), trading partner country Characterized in accordance with the company's performance (or transaction history).

According to an embodiment of the present invention, the storage medium 550 is preferably provided in a DBMS on a financial system provided on the joint descent insurance service providing system (or associated with the joint drip insurance service providing system). In this case, the storage medium 550 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 550 is provided on (or associated with) the joint cargo insurance service providing system, or a banking system, a wireless banking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The drop insurance service providing server 500 provided on the joint drop insurance service providing system according to the present invention is a generic term for the components of the joint drop insurance service providing system connected to the information registration terminal and a predetermined financial network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the drop insurance service providing server 500 is located on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server provided, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the drop insurance service providing server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network. .

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 505 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 5, the drop insurance service providing server 500 connects a communication channel with a drop insurance service providing server 500 through a predetermined information registration terminal through the interface unit 505, and then the interface unit. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined insurance insurance application information from the information registration terminal in association with 505, and providing the information registration terminal to the information registration terminal ( 510 and the information receiving unit 515 for receiving predetermined insurance insurance application information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 505, and the reception. A validity checking unit 520 for checking the validity of the applied dload insurance subscription application information, and a predetermined storage medium for the dload insurance subscription application information verified in the validity; And an information storage unit 525 that stores the 550 characterized in that formed.

The interface providing unit 510 corresponds to a functional configuration provided in the information registration terminal after a predetermined information registration terminal connects a communication channel with the drop insurance service providing server 500 through the interface unit 505. Input (or select) the insurance insurance subscription application information to generate a predetermined user interface which can be transmitted to the cargo insurance service providing server 500 through the financial network, or extracted from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 505 may be provided to the information registration terminal through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the drip insurance subscription request information to the drip insurance service providing server 500 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) drip insurance subscription application information including at least one of the trade transaction corporate customer information based on the user interface, and the entered drip insurance subscription application information. It is transmitted to the drop insurance service providing server 500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 510 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 505.

The information receiving unit 515 inputs (or selects) drip insurance subscription application information including at least one trade transaction corporate customer information through the user interface and transmits it through the financial network through the user interface. And the dripping insurance subscription application information in connection with the unit 505, and provides the received dripping insurance subscription application information to the validity verification unit 520.

The validity verification unit 520 is characterized in that whether the insurance application registration information received from the information registration terminal satisfies the validity for the insurance subscription of the trade business enterprise.

According to the implementation method of the present invention, the validity confirmation of the drip insurance subscription application information is at least one ledger that matches the drip insurance subscription application information on the ledger D / B on the financial system associated with the joint drip insurance service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirmation of the drip insurance subscription application information includes the customer ledger stored in the ledger D / B on the financial system in which the trade transaction corporate customer information included in the drip insurance subscription application information is linked to the joint drip insurance service providing system. It is desirable to include checking that the match with.

In addition, the validity confirmation of the cargo insurance subscription application information is the account information corresponding to the trade transaction corporate customer information included in the cargo insurance subscription application information ledger on the financial system linked to the joint cargo insurance service providing system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity check of the drip insurance subscription application information, to check the validity of the trade transaction status information stored in the storage medium 550 corresponding to the trade transaction corporate customer information included in the drip insurance subscription application information It is preferable to include what is included.

Here, the validation of the trade transaction status information, the information registration system is provided (or trade transaction status information stored in the storage medium 550 in connection with the information registration system shown in Figure 1 or 3) (or Provided to the financial institution or relay institution to authenticate the validity of the trade transaction status information, or to the financial institution or relay institution having the information registration system (or linked) Receive the trade transaction status information corresponding to the trade transaction corporate customer information from the financial institution or the relay agency, compare the received trade transaction status information with the trade transaction status information stored in the storage medium 550, and It is desirable to include authenticating validity.

When the validity of the drip insurance subscription request information is confirmed, the information storage unit 525 stores and stores the trade transaction company customer information included in the drip insurance subscription application information in the storage medium 550. When the storage medium 550 is provided in the drop insurance service providing server 500 or on the network associated with the drop insurance service providing server 500, the information storage unit 525 is provided. It is preferable to store the trade transaction company customer information included in the received dload insurance subscription application information in the storage medium 550, and the storage medium 550 is provided in the DBMS provided on the financial system. In this case, the information storage unit 525 provides the trade transaction company customer information included in the received dload insurance subscription application information to the information system through an external system on the financial system. Be stored in the DBMS provided on the system is preferred.

Referring to FIG. 5, the cargo insurance service providing server 500 checks the trade transaction status information of the cargo insurance subscription trade customer customers stored in the storage medium 550 from the storage medium 550. 530) and the second, third,... Having the same trade transaction conditions among the trade transaction conditions included in the checked trade transaction status information. The customer confirmation unit 535 confirms the trade transaction corporate customer information of the nth drip insurance subscription application, and the number of trade trade corporate customers who want to jointly subscribe to the drip insurance among the trade trade corporate customers having the same trade transaction conditions. An insurance premium calculation unit 540 for calculating a corresponding drop insurance premium (or a premium discount rate), and a subscription that jointly processes the drop insurance corresponding to the trade conditions by applying the calculated drop premium (or premium discount rate). It characterized in that it comprises a processing unit 545.

The information checking unit 530 checks the trade transaction status information of the drop insurance subscription application trade transaction enterprise customers stored in the storage medium 550 through the information storage unit 525.

Here, the trade transaction status information checked by the information confirmation unit 530 is a process (or step) in which the trade transaction enterprise customer proceeds by a predetermined trade transaction contract with a trading partner company (for example, a contract is concluded). Step, goods shipment step, etc.) may further include a trade transaction status information, for example, if the trade transaction enterprise customer signed a trade transaction contract, the trade transaction status information is the trade transaction contract information If the trade transaction enterprise customer has completed the shipment for the trade transaction product, it can be replaced with the shipping document information according to the shipment of the trade transaction article, if the invoice is issued, it can be the invoice information. .

The customer identification unit 535 may include second, third,... Trade terms included in the trade transaction status information identified through the information verification unit 530. For example, it is characterized in that the application for the insurance of the drip cargo insurance business customer information is confirmed.

Herein, the trade transaction conditions may include at least one of the same exporter (trade business customer), the same importer (trade customer of the country of trade country), the same product, the same shipping vessel, the same transportation section, and the same destination. It features.

The premium calculation unit 540 may include a drop premium (or a premium corresponding to the number of trade transaction corporate customers who wish to jointly join the drop insurance among the trade transaction corporate customers having the same trade transaction conditions as confirmed through the customer identification unit 535). Premium discount rate), wherein the premium calculation unit 540 calculates the drop premium (or premium discount rate) with reference to the premium (or premium discount rate) calculation policy information stored in the storage medium 550. Characterized in that.

According to an embodiment of the present invention, the insurance premium (or premium discount rate) calculation policy information may include insurance amount (or premium discount rate) and insurance period for each trade transaction amount, insurance amount (or premium discount rate) and insurance period for each trade transaction period, and trade transaction progress. Insurance amount (or premium discount rate) and insurance period by stage, insurance amount (or premium discount rate) by trade transaction company performance (or transaction history) and insurance amount (or premium discount rate) by insurance period and company performance (or transaction history) of trading partner country ) And insurance period, insurance amount by insurance company (primary and secondary insurance company) may include at least one or more.

Here, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade transaction amount, trade period, trade transaction progress stage, trade transaction company performance (or transaction history), trading partner country Characterized in accordance with the company's performance (or transaction history).

According to an exemplary embodiment of the present invention, the premium calculation unit 540 calculates the drop premium (or premium discount rate) by further referring to the trade transaction size of the trade trading enterprise customers who want to jointly join the drop insurance. It is characterized by.

The subscription processing unit 545 is characterized by processing the joint insurance subscription of the trade transaction enterprise customers according to the drop premium (or premium discount rate) calculated through the premium calculation unit 540.

In this case, the subscription processing unit 545 jointly processes and trades the trade transactional corporate customers having the same trade conditions in the specific cargo insurance, or simultaneously trades the trade transactional corporate clients with the same trade transaction conditions in the specific cargo insurance. Characterized in that the subscription process.

Referring to Figure 5, the cargo insurance service providing server 500, communication means (e.g., email, text message, wired and wireless) of the trading business customers having the same trading conditions confirmed through the customer identification unit 535 Telephone, mobile phone, fax, blog, homepage, messenger, bulletin board, etc.) may be configured to further include an information transmission unit for transmitting a message for consent to join the cargo insurance joint.

In addition, the drop insurance service providing server 500 is characterized in that it further comprises an information storage unit 525 for storing the drop insurance subscription details of the trading business customers in the storage medium 550.

FIG. 6 is a diagram illustrating a process of providing a joint cargo insurance service for jointly joining the cargo insurance of trade business customers in a face-to-face manner according to an embodiment of the present invention.

In more detail, Figure 6 is a trade insurance corporate customer through a predetermined information registration interface to the joint cargo insurance service providing system shown in Figure 5 to register the cargo insurance including the trade transaction corporate customer information for joint subscription of cargo insurance If the application information is provided, the storage medium 550 stores trade transaction status information corresponding to the trade transaction enterprise customer information included in the drop insurance subscription application information provided by the trade transaction enterprise customer in the joint cargo insurance service providing system. And at least one trade transaction condition (e.g., at least one trade condition of the same exporter, same importer, same commodity, same ship, and same transport section) included in the identified trade transaction status information. Identifying the same satisfied trading customers and identifying the same A process of calculating a drop insurance product and a drop insurance discount rate corresponding to trade-trade enterprise customers having a transaction condition and jointly processing the drop insurance product, and having a general knowledge in the technical field to which the present invention belongs. In this case, various implementation methods for the process of providing joint cargo insurance service for joint subscription of trade insurance business customers by referring to or modifying the present invention may be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the window terminal shown in FIG. 5 will be referred to as a " terminal " for convenience, and the cargo insurance service providing server 500 shown in FIG. 5 will be referred to as " server "

Referring to FIG. 6, the window terminal shown in FIG. 5 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the insurance insurance application information, and connects the trade transaction enterprise customer. When requesting to register the drip insurance subscription application information for drip insurance subscription (600), the server generates (or extracts) a predetermined information registration interface for registering the drip insurance subscription application information (605), and the communication The generated (or extracted) information registration interface is transmitted to the terminal and output through the channel (610).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) drip insurance subscription application information including at least one of the trade transaction corporate customer information at the terminal.

Thereafter, the terminal inputs (or selects) drip insurance subscription application information including at least one trade transaction corporate customer information through the information registration interface (615).

If the terminal enters (or selects) the cargo insurance application information including the trade transaction company customer information through the information registration interface, the terminal enters the trade (trade) company entered (or selected) through the financial network. The drip insurance subscription application information including the customer information is transmitted to the server (620).

Thereafter, the server receives and reads the trade transaction corporate customer information through the financial network to confirm the validity of the drip insurance subscription application information (625).

According to the implementation method of the present invention, the validity confirmation of the drip insurance subscription application information is at least one ledger that matches the drip insurance subscription application information on the ledger D / B on the financial system associated with the joint drip insurance service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirmation of the drip insurance subscription application information includes the customer ledger stored in the ledger D / B on the financial system in which the trade transaction corporate customer information included in the drip insurance subscription application information is linked to the joint drip insurance service providing system. It is desirable to include checking that the match with.

In addition, the validity confirmation of the cargo insurance subscription application information is the account information corresponding to the trade transaction corporate customer information included in the cargo insurance subscription application information ledger on the financial system linked to the joint cargo insurance service providing system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity check of the drip insurance subscription application information, to check the validity of the trade transaction status information stored in the storage medium 550 corresponding to the trade transaction corporate customer information included in the drip insurance subscription application information It is preferable to include what is included.

Here, the validation of the trade transaction status information, the information registration system is provided with the trade transaction status information stored in the storage medium 550 in connection with the information registration system shown in FIG. Or to a financial institution or an intermediary provided by the financial institution or an intermediary to authenticate the validity of the trade transaction status information, or to a financial institution or an intermediary equipped with (or linked to) the information registration system. And receiving trade transaction status information corresponding to the trade transaction corporate customer information from the financial institution or relay agency, and comparing the received trade transaction status information with the trade transaction status information stored in the storage medium 550. It is preferable to include the authenticating the validity.

If the validity of the cargo insurance subscription application information is not authenticated (630), the server generates predetermined information registration error information and transmits it to the terminal (635), and registers the information corresponding to the cargo insurance subscription application information. Do not perform the procedure.

On the contrary, if the validity of the drip insurance subscription application information is authenticated (630), the server performs an information registration procedure corresponding to the drip insurance subscription application information, thereby linking the trade transaction corporate customer information to a predetermined storage medium. In operation 550, the storage device 640 stores the received information.

According to an embodiment of the present invention, the storage medium 550 is preferably provided in a DBMS on a financial system provided on the joint descent insurance service providing system (or associated with the joint drip insurance service providing system). In this case, the storage medium 550 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 550 is provided on (or associated with) the joint cargo insurance service providing system, or a banking system, a wireless banking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

Thereafter, the server checks the trade transaction status information of the drop insurance subscription application trade transaction enterprise customers stored in the storage medium 550 from the storage medium 550 (645), and is included in the checked trade transaction status information. Among the trade terms, second, third,... Check the customer transaction information of the trade transaction application for the d-th insurance (650).

Herein, the trade transaction conditions may include at least one of the same exporter (trade business customer), the same importer (trade customer of the country of trade country), the same product, the same shipping vessel, the same transportation section, and the same destination. It features.

The server calculates a drop premium (or a discount rate) corresponding to the number of trade trade enterprise customers who want to jointly join the drop insurance among the trade trade enterprise customers having the same trade transaction condition (655), and the calculated The drop insurance premium (or premium discount rate) is applied to jointly process the drop insurance corresponding to the trade conditions (660).

According to an embodiment of the present invention, the server may calculate the drop premium (or premium discount rate) with reference to the premium (or premium discount rate) calculation policy information stored in the storage medium 550.

Here, the insurance premium (or premium discount rate) calculation policy information is the amount of insurance (or insurance premium discount rate) and insurance period for each trade transaction amount, insurance period (or premium discount rate) for each trade transaction period and insurance period, insurance amount for each trade transaction progress stage (or premium Discount rate) and insurance period, insurance amount (or premium discount rate) by trading company performance (or transaction details) and insurance period (or premium discount rate) and insurance period by insurance period, company performance (or transaction history) of trading partner country, insurance company It may be configured to include at least one or more of the amount of stars (by primary and secondary insurers) (or premium discount rate).

In addition, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade amount, trade period, trade transaction progress stage, trading company performance (or transaction history), trading partner country Characterized in accordance with the company's performance (or transaction history).

According to an exemplary embodiment of the present invention, the server may further calculate the drop premium (or premium discount rate) by further referring to the trade volume of the trade trading enterprise customers who want to jointly join the drop insurance.

Thereafter, the server stores and stores the cargo insurance subscription details in the storage medium 550 in association with the trade transaction company customer information subscribed to the cargo insurance (665).

7 is a diagram illustrating a non-face-to-face joint drop insurance service providing system for jointly joining drop insurance according to another embodiment of the present invention.

In more detail, Figure 7 shows that when a trade-trade enterprise customer provides drop-in insurance subscription information including trade-trade enterprise customer information for joint subscription of the drop-in insurance to a joint-load insurance service providing system through a predetermined information registration interface, In the joint drop insurance service providing system, the trade transaction status information corresponding to the trade transaction corporate customer information included in the drop insurance subscription application information provided by the trade transaction corporate customer is checked from a predetermined storage medium 750, and the confirmation A trade transaction that satisfies at least one or more trade terms (eg, the same exporter, the same importer, the same product, the same shipping vessel, or the same trade segment) contained in the current trade transaction status information. Identifying corporate customers and ensuring that they have the same conditions The present invention relates to a system configuration for calculating a drop insurance product and a drop insurance discount rate corresponding to transaction business customers and jointly processing the drop insurance product, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 7 may be inferred from various implementation methods for the configuration of a joint cargo insurance service providing system for joint insurance of the trading business customers by referring to or modified, but the present invention includes all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

Hereinafter, on the joint cargo insurance service providing system shown in FIG. 7, each trade transaction status information corresponding to the cargo insurance subscription application information provided from a plurality of trade transaction corporate customers through a predetermined information registration interface is stored. ) Extracts (or confirms) the information, and checks the trade condition information included in the extracted trade transaction status information, collects trade transaction enterprise customers having the same trade condition information, and collects the same trade transaction. Automatically calculating the discount insurance discount rate corresponding to the number of jointly registered trade customers (or the amount of trade transactions of the jointly registered trade customers, trade period, etc.) when the trade insurance corporate customers with the conditional information are jointly enrolled. For convenience, the components corresponding to at least one or more means or functional configurations may be referred to as "load insurance service." Empty server 700 ".

Referring to FIG. 7 according to an embodiment of the present invention, a joint cargo insurance service providing system for jointly joining drop insurance of a trade business customer includes at least one wired terminal or a wireless terminal used by a trade business customer. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal comprises a drop insurance service providing server provided on the joint drop insurance service providing system through a predetermined network means. 700 and a communication channel are connected.

According to an embodiment of the present invention, the trade transaction enterprise customer to the drop insurance service providing server 700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Accessing, and entering (or selecting) drip insurance subscription application information for the drip insurance joint subscription through at least one user interface provided by the drip insurance service providing server 700, a predetermined network means in the client terminal It is preferable to transmit to the drip insurance service providing server 700 provided on the joint drip insurance service providing system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or A wireless device connected to the DataTAC / Mobitex based wireless data communication network It is preferable to include at least one or more data communication terminals.

In addition, the drip insurance service providing server 700 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and network means, or the information. It is preferable to include a separate web server for registration.

The network means for connecting the client terminal and the cargo insurance service providing server 700 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or DataTAC / Mobitex based on a wireless communication network type to which the client terminal is connected. Any one of the wireless data communication network of, or preferably comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the drip insurance service providing server 700, and input or select at least one or more information through the user interface to the drip insurance service providing server 700 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the drip insurance service providing server 700, etc.) for transmission to the network is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one wired terminal or a wireless terminal, and thus a detailed description thereof is omitted for convenience.

In the joint cargo insurance service providing system, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and connecting the client terminal and the cargo insurance service providing server 700 At least one wired or wireless communication network performs a function of an information registration interface for registering the drip insurance subscription application information for the trade transaction corporate customer to join the drip insurance joint.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the joint loading insurance service providing system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the drop insurance service. The financial network connecting the providing server 700 performs a function of an information registration interface for the trade transaction corporate customer to register the drip insurance subscription application information for the drip insurance joint subscription, or the information registration terminal is the call In the case of a terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the cargo insurance service providing server 700 is loaded by the trade transaction enterprise customer. Performs the function of the information registration interface for registering the drip insurance subscription application information for joint insurance, or the above information In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the drip insurance service The network connecting the providing server 700 performs a function of an information registration interface for registering the drip insurance subscription application information for the trade transaction corporate customer to join the drip insurance joint.

In the storage medium 750 provided on the joint cargo insurance service providing system according to the present invention, the trade transaction company customer information and the trade transaction state information corresponding to the trade transaction company customer registered through FIG. Characterized in that it is stored.

In addition, the storage medium 750 is characterized in that it further comprises a premium (or premium discount rate) calculation policy information for calculating the premium (or premium discount rate) in accordance with the joint insurance of the trade transaction enterprise customers. .

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer Member ID information provided in a predetermined storage medium 750 associated with the information registration system in response to the trade transaction enterprise customer by subscribing as a member of the trade transaction status information registration institution), the trade transaction enterprise customer It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name.

The trade transaction status information may provide information on the process (or stage) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with a trading partner company. The trade transaction status information may be further included. For example, if the trade transaction enterprise customer has concluded a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, the trade transaction company If the customer has completed the shipment for the trade item, it may be replaced with the shipping document information according to the shipment of the trade item, and may be replaced with the invoice information for the issuing invoice.

The insurance premium (or premium discount rate) calculation policy information may include insurance amount (or premium discount rate) and insurance period for each trade transaction amount, insurance period for each trade transaction period (or premium discount rate) and insurance period, insurance amount for each trade transaction stage (or premium discount rate). Insurance amount (or premium discount rate) by insurance period, trade transaction performance (or transaction history) and insurance period (or premium discount rate), insurance period, and insurance period, by insurance period, company performance (or transaction history) of trading partner country ( Primary and secondary insurance companies) may be configured to include at least one or more insurance amount (or premium discount rate).

Here, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade transaction amount, trade period, trade transaction progress stage, trade transaction company performance (or transaction history), trading partner country Characterized in accordance with the company's performance (or transaction history).

According to an embodiment of the present invention, the storage medium 750 is preferably provided in a DBMS on a financial system provided on the joint loading insurance service providing system (or linked with the joint loading insurance service providing system). In this case, the storage medium 750 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 750 may be provided on (or associated with) the joint cargo insurance service providing system, or a banking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The drop insurance service providing server 700 provided on the joint drop insurance service providing system according to the present invention is a generic term for the components of the joint drop insurance service providing system connected to the information registration terminal through a predetermined network means. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the drop insurance service providing server 700 is A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system; A program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or the financial system. It may be a program provided in the external system of the above, whereby the present invention is not limited Should you.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the cargo insurance service providing server 700 is the wireless banking system Is a predetermined wireless banking server provided on the program, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a communication terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the drop insurance service providing server 700 is the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, a program provided in the telebanking server, or a predetermined external access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), or a server (or an external device on the financial system accessible through the telebanking server (or the server (or device)). Device) or a program included in the external system on the financial system, whereby the present invention is not limited thereto. All.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) that can be connected to the TV banking server on a predetermined TV banking system, the cargo insurance service providing server 700 is the TV A predetermined TV banking server provided on a banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to the embodiment of the present invention, the dripping insurance service providing server 700 is characterized in that it comprises an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the network means. .

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the cargo insurance service providing server 700, the interface unit 705 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the cargo insurance service providing server 700, the interface unit 705 is the client based on the CDMA protocol It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 705 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 705 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 7, the descent insurance service providing server 700 connects a communication channel with the drip insurance service providing server 700 through the interface unit 705 through a predetermined information registration terminal, and then the interface unit. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined insurance insurance application information from the information registration terminal in cooperation with 705, and providing the same to the information registration terminal. 710 and the information receiving unit 715 for receiving predetermined insurance insurance application information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 705, and the reception. Validation unit 720 for confirming the validity of the registered cargo insurance application information, and the storage insurance subscription application information is confirmed that the predetermined storage medium And an information storage unit 725 that stores the 750 characterized in that eojineun achieved.

The interface providing unit 710 corresponds to a functional configuration provided in the information registration terminal after a predetermined information registration terminal connects a communication channel with the drop insurance service providing server 700 through the interface unit 705. To generate (or select) the insurance insurance subscription application information and generate a predetermined user interface which can be transmitted to the cargo insurance service providing server 700 through the network means, or extracted from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 705 may be provided to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs (or selects) drip insurance subscription application information including the trade transaction corporate information on the basis of the user interface, and inputs the drip insurance subscription application information. Through the drop insurance service providing server 700 is transmitted through.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 710 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. It is preferable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the drip insurance subscription request information to the drip insurance service providing server 700 through the network means is provided to the information registration terminal. When a predetermined information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 715 inputs (or selects) drip insurance subscription request information including at least one of [configuration information] through the user interface from the information registration terminal, and transmits it through the network means, the interface unit In operation 705, the dripping insurance subscription request information is received, and the received dripping insurance subscription request information is provided to the validity confirming unit 720.

The validity confirming unit 720 is characterized in that to confirm whether the drip insurance subscription application information received from the information registration terminal satisfies the validity for the drip insurance subscription of the trade transaction enterprise customer.

According to the implementation method of the present invention, the validity confirmation of the drip insurance subscription application information is at least one ledger that matches the drip insurance subscription application information on the ledger D / B on the financial system associated with the joint drip insurance service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirmation of the drip insurance subscription application information includes the customer ledger stored in the ledger D / B on the financial system in which the trade transaction corporate customer information included in the drip insurance subscription application information is linked to the joint drip insurance service providing system. It is desirable to include checking that the match with.

In addition, the validity confirmation of the cargo insurance subscription application information is the account information corresponding to the trade transaction corporate customer information included in the cargo insurance subscription application information ledger on the financial system linked to the joint cargo insurance service providing system D / It is preferable to include checking whether the match with the account ledger stored in B.

* In addition, the validity check of the drip insurance subscription application information, the validity of the trade transaction status information stored in the storage medium 750 corresponding to the trade transaction corporate customer information included in the drip insurance subscription application information It is preferable that it consists of including.

Here, the validation of the trade transaction status information, the information registration system is provided (or trade transaction status information stored in the storage medium 750 in connection with the information registration system shown in Figure 1 or 3) (or Provided to the financial institution or relay institution to authenticate the validity of the trade transaction status information, or to the financial institution or relay institution having the information registration system (or linked) Receive the trade transaction status information corresponding to the trade transaction corporate customer information from the financial institution or the relay agency, and compare the received trade transaction status information with the trade transaction status information stored in the storage medium 750. It is preferable to include authenticating validity.

When the validity of the drip insurance subscription application information is confirmed, the information storage unit 725 stores the trade transaction company customer information included in the drip insurance subscription application information in the storage medium 750 in association. When the storage medium 750 is provided in the drop insurance service providing server 700 or on the network associated with the drop insurance service providing server 700, the information storage unit 725 is provided. It is preferable to store and store the trade transaction company customer information included in the received dload insurance subscription application information in the storage medium 750, wherein the storage medium 750 is provided in the DBMS provided on the financial system. In this case, the information storage unit 725 provides the trade transaction company customer information included in the received dload insurance subscription application information to the information system through an external system on the financial system. Be stored in the DBMS provided on the system is preferred.

Referring to FIG. 7, the cargo insurance service providing server 700 checks the trade transaction status information of the cargo insurance application trade transaction enterprise customers stored in the storage medium 750 from the storage medium 750. 730), and the second, third,... Having the same trade terms among the trade terms contained in the checked trade status information. The customer identification unit 735 confirms the trade transaction corporate customer information of the nth drip insurance subscription application, and corresponds to the number of trade trade corporate customers who want to jointly subscribe to the drip insurance among the trade trade corporate customers having the same trade transaction conditions. A subscription processing unit for applying a premium calculation unit 740 for calculating a drop premium (or a premium discount rate) and a calculated drop premium (or premium discount rate) jointly to the drop insurance corresponding to the trade conditions. It is characterized by including (745).

The information confirmation unit 730 is characterized in that through the information storage unit 725 confirms the trade transaction status information of the drip insurance subscription application trade transaction enterprise customers stored in the storage medium 750.

Herein, the trade transaction status information checked by the information verification unit 730 is a process (or step) in which the trade transaction enterprise customer proceeds by a predetermined trade transaction contract with a trade partner company (for example, a contract is concluded). Step, goods shipment step, etc.) may further include a trade transaction status information, for example, if the trade transaction enterprise customer signed a trade transaction contract, the trade transaction status information is the trade transaction contract information If the trade transaction enterprise customer has completed the shipment for the trade transaction product, it can be replaced with the shipping document information according to the shipment of the trade transaction article, if the invoice is issued, it can be the invoice information. .

The customer identification unit 735 includes second, third,... Terms having the same trade transaction conditions among the trade transaction conditions included in the trade transaction status information confirmed through the information verification unit 730. For example, it is characterized in that the application for the insurance of the drip cargo insurance business customer information is confirmed.

Herein, the trade transaction conditions may include at least one of the same exporter (trade business customer), the same importer (trade customer of the country of trade country), the same product, the same shipping vessel, the same transportation section, and the same destination. It features.

The premium calculation unit 740 is a drop premium (or corresponding to the number of trade trading enterprise customers who want to jointly join the drop insurance among the trade trading enterprise customers having the same trading conditions confirmed through the customer identification unit 735) Premium discount rate), wherein the premium calculation unit 740 calculates the drop premium (or premium discount rate) with reference to the premium (or premium discount rate) calculation policy information stored in the storage medium 750. Characterized in that.

According to an embodiment of the present invention, the insurance premium (or premium discount rate) calculation policy information may include insurance amount (or premium discount rate) and insurance period for each trade transaction amount, insurance amount (or premium discount rate) and insurance period for each trade transaction period, and trade transaction progress. Insurance amount (or premium discount rate) and insurance period by stage, insurance amount (or premium discount rate) by trade transaction company performance (or transaction history) and insurance amount (or premium discount rate) by insurance period, company performance (or transaction history) of trading partner country ) And insurance period, insurance amount by insurance company (primary and secondary insurance company) may include at least one or more.

Herein, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade amount, trade period, trade transaction progress stage, trade transaction performance (or transaction history), trading partner country. Characterized in accordance with the company's performance (or transaction history).

According to an exemplary embodiment of the present invention, the premium calculation unit 740 calculates the drop premium (or premium discount rate) by further referring to the trade volume of the trade trading enterprise customers who want to jointly join the drop insurance. It is characterized by.

The subscription processing unit 745 is characterized in that the processing of the trade insurance corporate customers in accordance with the drop insurance premium (or premium discount rate) calculated through the insurance calculation unit 740, characterized in that the joint insurance.

In this case, the subscription processing unit 745 jointly processes the trade transaction corporate customers having the same trade terms in the specific insurance, or simultaneously trades the corporate trade customers with the same trade terms in the specific insurance. Characterized in that the subscription process.

7, the cargo insurance service providing server 700 is a communication means (e.g., email, text message, wired / wireless) of trading business customers having the same trading conditions confirmed through the customer identification unit 735 Telephone, mobile phone, fax, blog, homepage, messenger, bulletin board, etc.) may be configured to further include an information transmission unit for transmitting a message for consent to join the cargo insurance.

In addition, the drop insurance service providing server 700 is characterized in that it further comprises an information storage unit 725 for storing the drop-in insurance subscription details of the trade transaction enterprise customers in the storage medium 750.

FIG. 8 is a diagram illustrating a process of providing a joint cargo insurance service for jointly joining cargo insurance of a trading company in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, Figure 8 is a trade insurance corporate customer through a predetermined information registration interface to the joint cargo insurance service providing system shown in Figure 7 to join the cargo insurance, including trade transaction corporate customer information for joint subscription of cargo insurance When the application information is provided, the storage medium 750 stores trade transaction status information corresponding to the trade transaction enterprise customer information included in the drop insurance subscription application information provided by the trade transaction enterprise customer in the joint cargo insurance service providing system. And at least one trade transaction condition (e.g., at least one trade condition of the same exporter, same importer, same product, same shipping vessel, same transportation section) included in the identified trade transaction status information. Identifying the same satisfied trading partners and customers A system configuration for calculating a drop insurance product and a drop insurance discount rate corresponding to a trade-trade enterprise customer having a transaction condition and jointly processing the drop insurance product, and having a general knowledge in the technical field to which the present invention belongs. In this regard, various implementation methods for a joint cargo insurance service providing system for jointly joining cargo insurance of trade customers may be inferred by referring to or modifying the present invention. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the client terminal shown in FIG. 7 will be referred to as a “terminal” for convenience, and the cargo insurance service providing server 700 shown in FIG. 7 will be referred to as a “server” for convenience.

Referring to FIG. 8, the client terminal shown in FIG. 7 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through the communication network or the IEEE 802.16x-based portable Internet, etc. to register the cargo insurance subscription application information, and registering the cargo insurance subscription information for joint insurance insurance. Request (800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the drip insurance subscription application information (805), and generates (or extracts) through the communication channel. In step 810, the transmitted web page is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) drip insurance subscription application information including the trade-trade enterprise customer information in the terminal.

In addition, the web page transmission or output process is preferably performed at least once according to the drip insurance subscription application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) drip insurance subscription application information including trade transaction corporate customer information through the information registration interface (815).

If the terminal enters (or selects) the drop insurance subscription application information including the trade transaction company customer information through the information registration interface, the terminal enters the drop insurance subscription entered (or selected) through the communication channel. The application information is transmitted to the server (820).

According to the implementation method of the present invention, transmitting the entry (or selection) load insurance subscription application information through the communication channel to the server, entry (or selection) entry insurance subscription application input (or selected) through the information registration interface The method may further include transmitting information to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the cargo insurance subscription application information through the communication channel to check the validity of the cargo insurance subscription application information (825).

According to the implementation method of the present invention, confirming the validity of the drip insurance subscription application information, when the drip insurance subscription application information is electronically signed or encrypted through the security module provided in the terminal, the drip insurance subscription application Decrypting the information, or may further comprise decoding the drip insurance subscription application information.

According to the implementation method of the present invention, the validity confirmation of the drip insurance subscription application information is at least one ledger that matches the drip insurance subscription application information on the ledger D / B on the financial system associated with the joint drip insurance service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirmation of the drip insurance subscription application information includes the customer ledger stored in the ledger D / B on the financial system in which the trade transaction corporate customer information included in the drip insurance subscription application information is linked to the joint drip insurance service providing system. It is desirable to include checking that the match with.

In addition, the validity confirmation of the cargo insurance subscription application information is the account information corresponding to the trade transaction corporate customer information included in the cargo insurance subscription application information ledger on the financial system linked to the joint cargo insurance service providing system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity check of the drip insurance subscription application information, to check the validity of the trade transaction status information stored in the storage medium 750 corresponding to the trade transaction corporate customer information included in the drip insurance subscription application information It is preferable to include what is included.

Here, the validation of the trade transaction status information, the information registration system is provided (or trade transaction status information stored in the storage medium 750 in connection with the information registration system shown in Figure 1 or 3) (or Provided to the financial institution or relay institution to authenticate the validity of the trade transaction status information, or to the financial institution or relay institution having the information registration system (or linked) Receive the trade transaction status information corresponding to the trade transaction corporate customer information from the financial institution or the relay agency, and compare the received trade transaction status information with the trade transaction status information stored in the storage medium 750. It is preferable to include the authenticating the validity.

If the validity of the drip insurance subscription application information is not authenticated (830), the server generates a web page including predetermined information registration error information and transmits it to the terminal (835), the drip insurance subscription application information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the insurance insurance application information is authenticated (830), the server performs the information registration procedure corresponding to the insurance insurance subscription application information, by linking the cargo insurance application information to a predetermined storage medium Store at 750 (840).

According to an embodiment of the present invention, the storage medium 750 is preferably provided in a DBMS on a financial system provided on the joint drip insurance service providing system (or associated with the joint drip insurance service providing system). In this case, the storage medium 750 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 750 is provided on (or associated with) the joint loading insurance service providing system, or an internet banking system, a telebanking system, a wireless banking system, or a TV. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

Thereafter, the server checks the trade transaction status information of the drop insurance subscription application trade transaction enterprise customers stored in the storage medium 750 from the storage medium 750 (845), and is included in the checked trade transaction status information. Among the trade terms, second, third,... The customer transaction information of the nth drip insurance subscription application is verified (850).

Herein, the trade transaction conditions may include at least one of the same exporter (trade business customer), the same importer (trade customer of the country of trade country), the same product, the same shipping vessel, the same transportation section, and the same destination. It features.

The server calculates a drop premium (or a premium discount rate) corresponding to the number of trade trade enterprise customers who want to jointly subscribe to the drop insurance among the trade trade enterprise customers having the same trade transaction condition (855). The drop premium (or premium discount rate) is applied to jointly process the drop insurance corresponding to the trade conditions (860).

According to an embodiment of the present invention, the server may calculate the drop premium (or premium discount rate) with reference to the premium (or premium discount rate) calculation policy information stored in the storage medium 750.

Here, the insurance premium (or premium discount rate) calculation policy information is the amount of insurance (or insurance premium discount rate) and insurance period for each trade transaction amount, insurance period (or premium discount rate) for each trade transaction period and insurance period, insurance amount for each trade transaction progress stage (or premium Discount rate) and insurance period, insurance amount (or premium discount rate) by trading company performance (or transaction details) and insurance period (or premium discount rate) and insurance period by insurance period, company performance (or transaction history) of trading partner country, insurance company It may be configured to include at least one or more of the amount of stars (by primary and secondary insurers) (or premium discount rate).

In addition, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade amount, trade period, trade transaction progress stage, trade transaction company performance (or transaction history), trading partner country Characterized in accordance with the company's performance (or transaction history).

According to an exemplary embodiment of the present invention, the server may further calculate the drop premium (or premium discount rate) by further referring to the trade volume of the trade trading enterprise customers who want to jointly join the drop insurance.

Thereafter, the server stores the stored insurance subscription details in association with the trade transaction company customer information subscribed to the loaded insurance in the storage medium 750 (865).

9A and 9B are diagrams illustrating a process of providing a joint cargo insurance service for jointly joining cargo insurance of a trading business customer in a non-face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 9A and 9B illustrate a case where the joint cargo insurance service providing system shown in FIG. 7 is realized through an Internet banking system among non-face-to-face channel-based banking systems. A trade transaction company customer accessing the Internet banking server through a network (for example, the Internet, etc.) through a predetermined information registration interface to the joint cargo insurance service providing system shown in FIG. When providing the cargo insurance subscription application information including corporate customer information, the trade transaction status corresponding to the trade transaction corporate customer information included in the cargo insurance subscription application information provided by the trade trading enterprise customer in the joint cargo insurance service providing system Check the information from the predetermined storage medium 750, and confirm the trade transaction status. Trade trading enterprise customers who satisfy at least one of the trade terms contained in the information (e.g., at least one of the same exporters, the same importers, the same commodities, the same shipping vessels, the same transportation segments) The present invention relates to a process of calculating a drop insurance product and a drop insurance discount rate corresponding to the trade-trade enterprise customers having the same trade transaction conditions as confirmed, and jointly processing the drop insurance product. Those skilled in the art will be able to infer various implementation methods for the process of providing a joint cargo insurance service for jointly joining the cargo insurance of trade trading enterprise customers by referring to or modifying this drawing. It includes all the implementation methods inferred, and only with the implementation method shown in FIG. It shall be defined.

That is, in FIG. 9A and FIG. 9B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft's Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering drip insurance subscription information between the client terminal and the Internet banking server is illustrated, the present invention is a person having ordinary knowledge in the art to which the present invention belongs. 9a and 9b refer to or modify the Internet banking-based financial transaction channel connection method using the browser program based on a predetermined internet banking program mounted on the client terminal to purchase insurance insurance between the client terminal and the internet banking server. Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a and 9b, in addition to the Internet banking system, a telebanking system or wireless Although another banking system such as a banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering the insurance subscription application information, the present invention may provide the telebanking system or the wireless banking system. Or all kinds of non-face-to-face channel based financial transactions, including TV banking systems or future proposed non-face-to-face banking systems, the technical configuration of the present invention being limited to the case of the Internet banking shown in FIGS. 9A and 9B. It never happens.

In the following Figures 9a and 9b, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the cargo insurance service providing server 700 is referred to as "server" for convenience.

9A and 9B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server communicates between the terminal and the server through the browser. (905a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is mounted or updated in the terminal (915a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (930a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and is also defined in the information (or data) to be provided to the server for registration of insurance insurance application information in the terminal When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by a decryption method (or a decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registering the insurance insurance application information in the terminal. Attach a signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (940a). In operation 945a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined insurance insurance application information for joint insurance insurance subscription to the server.

Subsequently, when the terminal requests the Internet banking-based cargo insurance subscription application information registration to the server through the inter-banking-based financial transaction channel to register the cargo insurance subscription application information (900b), the server requests the insurance insurance subscription. A web page corresponding to a predetermined information registration interface for information registration is generated (or extracted) (905b), and the web page generated (or extracted) is transmitted to the terminal through the internet banking-based financial transaction channel for output. (910b).

According to the implementation method of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) drip insurance subscription application information including trade transaction corporate customer information in the terminal, or the drip insurance subscription Security issued to the customer in the process of applying for a predetermined password (e.g., account password) or security code (e.g., for internet banking) in order to confirm the validity of the application information or the Internet banking customer requesting the registration of the cargo insurance application information. Security code printed on the card) or One Time Password (OTP) (e.g. internet banking application process (or after internet banking application) One-time password generated through OTP authenticator (or OTP authentication program) provided to customer by financial institution It is preferable to further include an interface for inputting).

In addition, the web page transmission or output process is preferably performed at least once according to the drip insurance subscription application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) drip insurance subscription application information including the trade transaction corporate customer information through the information registration interface (915b).

If the terminal enters (or selects) drip insurance subscription application information including the trade transaction corporate customer information through the information registration interface (920b), the terminal inputs (or selects) through the financial transaction channel. The registered insurance insurance application information is transmitted to the server (925b).

According to the implementation method of the present invention, to transmit the entry insurance subscription application information (or selected) entered through the financial transaction channel to the server, entry insurance subscription application input (or selected) through the information registration interface It comprises the information sent to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the cargo insurance subscription application information through the financial transaction channel to check the validity of the cargo insurance subscription application information (930b).

According to the implementation method of the present invention, confirming the validity of the drip insurance subscription application information, when the drip insurance subscription application information is electronically signed or encrypted through the security module provided in the terminal, the drip insurance subscription application Decrypting the information, or may further comprise decoding the drip insurance subscription application information.

In addition, it is preferable that the validity check on the dripping insurance subscription application information further comprises authenticating a password or a security code or an OTP included in the dripping insurance subscription application information.

According to the implementation method of the present invention, the validity confirmation of the drip insurance subscription application information is at least one ledger that matches the drip insurance subscription application information on the ledger D / B on the financial system associated with the joint drip insurance service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirmation of the drip insurance subscription application information includes the customer ledger stored in the ledger D / B on the financial system in which the trade transaction corporate customer information included in the drip insurance subscription application information is linked to the joint drip insurance service providing system. It is desirable to include checking that the match with.

In addition, the validity confirmation of the cargo insurance subscription application information is the account information corresponding to the trade transaction corporate customer information included in the cargo insurance subscription application information ledger on the financial system linked to the joint cargo insurance service providing system D / It is preferable to include checking whether it matches with the account ledger stored in B.

* In addition, the validity check of the drip insurance subscription application information, the validity of the trade transaction status information stored in the storage medium 750 corresponding to the trade transaction corporate customer information included in the drip insurance subscription application information It is preferable that it consists of including.

Here, the validation of the trade transaction status information, the information registration system is provided (or trade transaction status information stored in the storage medium 750 in connection with the information registration system shown in Figure 1 or 3) (or Provided to the financial institution or relay institution to authenticate the validity of the trade transaction status information, or to the financial institution or relay institution having the information registration system (or linked) Receive the trade transaction status information corresponding to the trade transaction business customer information from the financial institution or the relay agency, and compare the received trade transaction status information with the trade transaction status information stored in the storage medium 750. It is preferable to include the authenticating the validity.

If the validity of the drip insurance subscription application information is not authenticated (935b), the server generates a web page including the drip insurance subscription application information registration error information and transmits it to the terminal (940b), the drip insurance Do not perform the information registration procedure corresponding to the insurance application information.

On the other hand, if the validity of the cargo insurance subscription application information is authenticated (935b), the server performs the information registration procedure corresponding to the cargo insurance subscription application information, the trade transaction enterprise customer information contained in the cargo insurance subscription application information And the trade transaction status information corresponding thereto are stored in a predetermined storage medium 750 in operation 945b.

According to an embodiment of the present invention, the storage medium 750 is preferably provided in a DBMS on a financial system provided on the joint drip insurance service providing system (or associated with the joint drip insurance service providing system). In this case, the storage medium 750 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 750 may be provided on (or associated with) the joint cargo insurance service providing system, or a banking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

Thereafter, the server checks the trade transaction status information of the drop insurance subscription application trade transaction enterprise customers stored in the storage medium 750 from the storage medium 750 (950b), and is included in the checked trade transaction status information. Among the trade terms, second, third,... The customer transaction information of the nth drip insurance subscription application transaction is confirmed (955b).

Herein, the trade transaction conditions may include at least one of the same exporter (trade business customer), the same importer (trade customer of the country of trade country), the same product, the same shipping vessel, the same transportation section, and the same destination. It features.

Then, the server calculates a drop premium (or a discount rate) corresponding to the number of trade trading enterprise customers who want to jointly join the drop insurance among the trade trading enterprise customers having the same trade transaction conditions (960b), and the calculation The applied drop insurance premium (or premium discount rate) is applied to jointly process the drop insurance corresponding to the trade conditions (965b).

According to an embodiment of the present invention, the server may calculate the drop premium (or premium discount rate) with reference to the premium (or premium discount rate) calculation policy information stored in the storage medium 750.

Here, the insurance premium (or premium discount rate) calculation policy information is the amount of insurance (or insurance premium discount rate) and insurance period for each trade transaction amount, insurance period (or premium discount rate) for each trade transaction period and insurance period, insurance amount for each trade transaction progress stage (or premium Discount rate) and insurance period, insurance amount (or premium discount rate) by trading company performance (or transaction details) and insurance period (or premium discount rate) and insurance period by insurance period, company performance (or transaction history) of trading partner country, insurance company It may be configured to include at least one or more of the amount of stars (by primary and secondary insurers) (or premium discount rate).

In addition, the insurance amount (or premium discount rate) for each insurance company (primary and secondary insurance company) is the trade amount, trade period, trade transaction progress stage, trade transaction company performance (or transaction history), trading partner country Characterized in accordance with the company's performance (or transaction history).

According to an exemplary embodiment of the present invention, the server may further calculate the drop premium (or premium discount rate) by further referring to the trade volume of the trade trading enterprise customers who want to jointly join the drop insurance.

Thereafter, the server processes the subscription insurance details in association with the trade transaction company customer information subscribed to the cargo insurance and stores them in the storage medium 750 (970b).

According to the present invention, by providing a joint cargo insurance, there is an advantage that the trade trading enterprise customer can simply and easily receive a cargo insurance insurance service in place of the existing complex insurance insurance subscription process.

In addition, there is an advantage that the trading company customers can be applied to the discount rate due to joint subscription.

Claims (1)

Interface providing means for providing a user interface for inputting (or selecting) drip insurance subscription application information for joint drip insurance subscription to a trade transaction enterprise customer terminal; Information receiving means for receiving from the trade enterprise customer terminal information on subscription insurance subscription including trade transaction company customer information and trade transaction status information input (or selected) through the user interface; Validation means for verifying the validity of the trade transaction status information contained in the received insurance insurance subscription application in conjunction with the storage medium for storing the trade transaction status information of the trade transaction enterprise customers; When the validity of the trade transaction status information is authenticated, confirm the trade transaction enterprise customer information having the same trade transaction conditions-the same exporter (importer), the same product, the same vessel, the same transportation section, etc. from the storage medium. Information confirming means; Premium calculating means for calculating a drop premium (or a discount rate) corresponding to the number of trade trading enterprise customers who wish to jointly join drop insurance among the trade trading enterprise customers having the same trade transaction conditions; And And a subscription processing means for applying the calculated drop premium (or premium discount rate) jointly to the drop insurance corresponding to the trade transaction condition.

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