KR20100053963A

KR20100053963A - System and method for providing insurance service in the virtual reality(or game)

Info

Publication number: KR20100053963A
Application number: KR1020080112864A
Authority: KR
Inventors: 김형배
Original assignee: 주식회사 신한은행
Priority date: 2008-11-13
Filing date: 2008-11-13
Publication date: 2010-05-24

Abstract

PURPOSE: An insurance service supply method and a system on a virtual reality for securing a customer by supplying an insurance service on virtual reality are provided to create conference between virtual reality service providers by applying an insurance as virtual reality character. CONSTITUTION: An interface providing unit(110) produces a user interface. The predetermined insurance buying application information is inputted from a customer terminal through the user interface. The inputted insurance buying application information is transmitted to a virtual reality insurance processing server(100). If the customer terminal transmits the insurance buying application information, an information receiving unit(115) receives a message the insurance buying application information.

Description

System and Method for Providing Insurance Service in the Virtual Reality (or Game)}

1 is a diagram illustrating a virtual reality insurance processing system for providing an insurance service on a virtual reality (or a game) according to one embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium storing insurance subscription information corresponding to an insurance product subscribed in a virtual reality (or a game) is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

3 is a database in which a storage medium storing insurance information corresponding to an insurance product subscribed to a virtual reality (or game) is connected to the ledger D / B provided in a DBMS on a financial system according to another embodiment of the present invention. A diagram showing an implementation method including a.

FIG. 4 illustrates an embodiment of a method in which a storage medium storing insurance information corresponding to an insurance product subscribed to a virtual reality (or game) includes a DBMS provided in a banking server according to another embodiment of the present invention. Drawing.

5 is a diagram illustrating an insurance product subscription process for providing an insurance service on a virtual reality (or a game) in a non-face-to-face manner according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a premium payment process for an insurance product subscribed in virtual reality (or a game) according to an embodiment of the present invention.

7 is a diagram illustrating a premium payment process for insurance products subscribed in virtual reality (or games) according to another embodiment of the present invention.

8 is a diagram illustrating an insurance service providing process on a virtual reality (or a game) according to an embodiment of the present invention.

9 is a diagram illustrating a process of providing insurance service on a virtual reality (or game) according to another embodiment of the present invention.

100: virtual reality insurance processing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: Premium calculation government 125: Naval subscription processing unit

130: insurance effective payment processing unit 135: treasurer subscription confirmation unit

140: information storage unit 145: insurance processing unit

150: information providing unit 155: information generating unit

160: financial account processing unit 165: storage medium

The present invention comprises the steps of receiving insurance application information for the character (or avatar) on the virtual reality (or game) from the customer terminal in a server operating a financial institution on the virtual reality (or game), the received at the server Calculating premiums (or cyber money) to be periodically paid by the customer in response to the insurance application information; and when the insurance processing for the insurance application is completed in the server, the insurance details are stored in the virtual reality. (Or a game) in connection with the unique account information stored on the storage medium and when the premium payment time, the cyber money held by the customer corresponding to the unique account information on the virtual reality (or game) at the server To provide insurance services in virtual reality (or gaming), including paying premiums (or electronic money) as premiums. One will.

At the same time, the world's largest 3D virtual world, Second Life and similar concept virtual reality games are increasing, and the focus is on people's attention and thoughts can be done online.

On the other hand, financial institutions such as banks are also important to attract and secure customers in the real world, but it is necessary to recognize the characters of the online characters that are operated by the real customers as the new concept customers.

An object of the present invention for solving the above problems, means for processing the insurance based on the insurance application information for the character (or avatar) on the virtual reality (or game) received from the customer terminal, and the insurance coverage Means for processing the information in association with the customer information and the unique account information on the virtual reality (or game) and storing it in a storage medium, and when the premium is due, the server corresponds to the unique account information on the virtual reality (or game). Means for paying the cyber money (or electronic money) held by the customer as a premium and upon injury (or damage or death) of the character (or avatar) on the virtual reality (or game), the character (or avatar) ) Recovers (or plays or regenerates) the character (or avatar) in conjunction with a predetermined virtual reality (or game) providing server according to whether or not insurance is purchased. The present invention provides a system for providing insurance service on a virtual reality (or game) including a means for healing.

According to the present invention, a method of providing insurance service on a virtual reality (or game) is insurance for a character (or avatar) on a virtual reality (or game) from a client terminal in a server operating a financial institution on a virtual reality (or game). Receiving application information, calculating premiums (or cyber money) to be periodically paid by a customer in response to the received insurance application information at the server, and insuring the insurance application at the server; When the processing is completed, storing the insurance subscription information in association with the unique account information on the virtual reality (or game) in a storage medium and when the premium payment time arrives, the virtual reality (or game) in the server Paying the cyber money (or electronic money) held by the customer as a premium in response to the unique account information of the customer; And characterized in that formed.

According to the present invention, when the premium payment time arrives, the method further comprises the step of paying as a premium the real money corresponding to the cyber money (or electronic money) held by the customer.

In addition, in case of injury (or damage or death) of the character (or avatar) on the virtual reality (or game), checking whether the character (or avatar) is insured, and for the character (or avatar) If the insurance is confirmed, further comprising the step of recovering (or playing or healing) the character (or avatar) in conjunction with the virtual reality (or game) providing server.

The system for providing insurance service on a virtual reality (or game) according to the present invention includes means for processing an insurance subscription based on insurance application information for a character (or avatar) on a virtual reality (or game) received from a customer terminal; And means for storing the insurance subscription information in association with the customer information and the unique account information on the virtual reality (or game) in a storage medium, when the premium payment time arrives, and at the server, the virtual reality (or game). Means for paying premiums for cyber money (or electronic money) held by the customer in correspondence with the unique account information of the customer and injuries (or damage or death) of the character (or avatar) on the virtual reality (or game); According to whether or not insurance for the character (or avatar), the character (or avatar) in conjunction with a predetermined virtual reality (or game) providing server ) Means for restoring (or regenerating or healing).

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 thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for 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 the configuration omitted as described above The relationship between the elements 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.

In more detail, FIG. 1 shows a predetermined customer (eg, a virtual reality (or game) user) visits a financial institution (or a financial institution branch) operating on a virtual reality (or game), and the virtual reality (or game). When requesting to purchase insurance for the character (or avatar) of the award, the predetermined cyber insurance product subscription interface includes at least one or more specific customer information, financial account information, unique account information on the virtual reality (or game) When insurance subscription application information is provided to the financial institution, the financial institution subscribes to an insurance product for providing insurance service on the virtual reality (or game) based on the insurance subscription application information, and the insurance product is applied to the virtual reality. (Or game) system configuration for operating, if the person skilled in the art to which the present invention belongs Although various implementation methods for constructing a virtual reality insurance processing system for providing insurance service on a virtual reality (or game) may be inferred by referring to and / or modifying the drawing 1, the present invention includes all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, the insurance application information is received from the customer through a predetermined cyber insurance product subscription interface on the virtual reality insurance processing system shown in FIG. 1, so that the customer subscribes to the insurance product, and the customer subscribes. Components corresponding to at least one or more means and / or functional configurations operating on cyber insurance products are referred to as " virtual reality insurance processing server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a virtual reality insurance processing system for providing insurance service on the virtual reality (or game) includes at least one wired terminal and / or wireless terminal used by a customer. And a customer terminal including at least one or more customer terminals, the virtual reality insurance processing server 100 provided on the virtual reality insurance processing system through a predetermined network means. The communication channel is connected.

According to one embodiment of the invention, the customer is connected to the virtual reality insurance processing server 100 through at least one or more of the customer terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And input (or select) insurance subscription application information for providing insurance service on the virtual reality (or game) through at least one user interface provided by the virtual reality insurance processing server 100, and at the client terminal. It is preferable to transmit to the virtual reality insurance processing server 100 provided on the virtual reality insurance processing system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all the customer terminals connected to the transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop computer and / or notebook connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise as mentioned above.

In addition, the wireless terminal connected to the wireless communication network is any customer terminal connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. Generic term for all customer terminals connected to the mobile Internet and / or all customer terminals connected to an IEEE 802.11x based WLAN, a Personal Communication System (PCS) connected to the CDMA based (and / or HSDPA based) mobile communication network; ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the virtual reality insurance processing server 100 connected to the customer terminal is any of the Internet banking server and / or wireless banking server and / or telebanking server and / or TV banking server according to the characteristics of the customer terminal and the network means. It is preferable to include one or / and a separate web server for the information registration.

In addition, the network means for connecting the customer terminal and the virtual reality insurance processing server 100 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x depending on the type of wireless communication network connected to the customer terminal It is preferable that any one of the portable Internet based and / or IEEE 802.11x based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future including a predetermined wireless interval.

In addition, the customer terminal outputs at least one or more user interfaces provided by the virtual reality insurance processing server 100, and inputs and / or selects at least one or more information through the user interface to the virtual reality insurance processing server ( A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the virtual reality insurance processing server 100, etc.) for transmission to the 100 is preferably provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof will be omitted for convenience. .

In the virtual reality insurance processing system as described above, at least one of a client terminal including at least one wired terminal and / or a wireless terminal used by the customer and the customer terminal and the virtual reality insurance processing server 100 One or more wired and / or wireless communication networks perform a function of a cyber insurance product subscription interface for the customer to register insurance application information for providing insurance service on the virtual reality (or game).

According to another exemplary embodiment of the present invention, the customer terminal may include, in addition to the customer terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (eg, a financial common network). A financial automation device (not shown) including a CD) and / or a predetermined wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a call terminal (not shown), and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or with the financial institution Terminal (and / or server) (not shown) provided in at least one affiliated organization may be further included, whereby the present invention is not limited.

In the virtual reality insurance processing system as described above, when the customer terminal is the financial automation device (not shown), the financial automation device (not shown) and the financial automation device (not shown) and the virtual reality insurance processing server The financial network connecting 100 performs a function of a cyber insurance product subscription interface for registering the insurance subscription application information for the customer to provide insurance service on the virtual reality (or game), and / or the client terminal. In the case of the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the virtual reality insurance processing server 100 may be used by the customer. Performs a function of a cyber insurance product subscription interface for registering insurance application information for providing insurance service on the virtual reality (or game), and And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the customer terminal, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the virtual reality insurance processing server 100 is connected to the network of the cyber insurance product subscription interface for registering the insurance subscription information for the customer to provide insurance services on the virtual reality (or game) Perform the function.

The storage medium 165 provided on the virtual reality insurance processing system according to the present invention is unique to the customer information, financial account information, virtual reality (or game) included in the insurance application information provided from the customer terminal. At least one account information, the insurance product management information and financial account information is stored.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the virtual reality insurance processing system in response to the customer It is preferable to make it.

The unique account information on the virtual reality (or game) is associated with the virtual reality insurance processing system or on the virtual reality (or game) provided with the virtual reality insurance processing system, the customer is a member or a character (or Avatar) preferably comprises a unique number (or unique ID) assigned in the process of generating.

The insurance product operation information is a general term for information for managing and operating the insurance product through a predetermined financial account, which the customer wants to subscribe to through the insurance application information, and varies according to characteristics and attributes of the insurance product. It is preferable to carry out modification.

According to an exemplary embodiment of the present invention, the insurance product operation information includes insurance policy information corresponding to the insurance product (for example, insurance policy attribute including a predetermined policy number and the premium, insurance policy, subscription period, etc.). It is preferable to comprise.

In addition, the insurance product management information preferably comprises a predetermined insurance product name corresponding to the insurance product, insurance product basic information including the various additional attributes of the insurance product and the insurance product management institution.

Those skilled in the art to which the present invention pertains can easily infer the construction of the insurance product operation information corresponding to the insurance product features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the insurance subscription application information through the insurance product operation information, and preferably includes a predetermined account number.

According to an embodiment of the present invention, the financial account is characterized in that the premium paid by the customer is deposited periodically, when the customer pays the premium in cyber money (or electronic money), the virtual reality insurance processing Through the server 100, the cyber money (or electronic money) may be converted into a real currency corresponding thereto and deposited in the account.

According to an embodiment of the present invention, the storage medium 165 is preferably provided in a DBMS on a financial system provided on the virtual reality insurance processing system (or associated with the virtual reality insurance processing system). In this case, the storage medium 165 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 165 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the virtual reality insurance system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The virtual reality insurance processing server 100 provided on the virtual reality insurance processing system according to the present invention is a generic term for the components of the virtual reality insurance processing system side connected to the customer terminal through a predetermined network means, at least one It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, if the customer terminal is a customer terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the virtual reality insurance processing server 100 is A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is limited. It does.

According to another exemplary embodiment of the present invention, when the customer terminal is a customer terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the virtual reality insurance processing server 100 is on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the virtual reality insurance processing server 100 is connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the virtual reality insurance processing server 100 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

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

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

For example, when the client terminal is equipped 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. A communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the virtual reality insurance processing server 100, the interface unit 105 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 embodiment of the present invention, when the customer terminal is a customer 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 desirable to provide a communication interface for connecting at least one communication channel with a customer terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 105 communicates with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the customer terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the virtual reality insurance processing server 100, the interface unit 105 is 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 exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

Referring to FIG. 1, the virtual reality insurance processing server 100 accesses a virtual reality (or game) providing server to perform a predetermined virtual reality (or game), or before performing (or performing) a predetermined customer terminal. After the visit to the financial institution on the virtual reality (or game) to apply for the insurance, when the virtual reality insurance processing server 100 and a predetermined communication channel is connected through the interface unit 105, Generate at least one user interface for inputting (or selecting) predetermined insurance application information from the client terminal to provide insurance service on the virtual reality (or game) to the virtual reality insurance processing server 100. An interface providing unit 110 for extracting (or extracting) and providing the generated (or extracted) user interface to the customer terminal in association with the interface unit 105; When the terminal receives (or selects) the insurance application information through the user interface and transmits the information, the information receiving unit 115 which receives the insurance application information transmitted from the customer terminal in connection with the interface unit 105. It is characterized by comprising a).

The interface provider 110 connects a predetermined communication channel with the virtual reality insurance processing server 100 through the interface unit 105, and then the virtual reality insurance processing server 100 to the virtual terminal. When requesting a user interface for providing an insurance service on a virtual reality (or game), the client terminal inputs (or selects) predetermined insurance application information to the virtual reality insurance processing server 100 through the network means. Generate at least one user interface for transmission, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 105 via the network means. Characterized in that provided to the customer terminal.

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

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

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 is provided to the call terminal (not shown). Produces (or extracts) a predetermined user interface, and provides the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. It is preferable.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined insurance application information to the virtual terminal is transmitted to the virtual reality insurance processing server 100 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined insurance application information as described above to be transmitted to the virtual reality insurance processing server 100 is generated (or extracted). The interface providing unit 110 provided to the customer terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal inputs (or selects) insurance application information including at least one of the customer information, the financial account information, and the unique account information on the virtual reality (or game) through the user interface, and the input ( Or selected) insurance subscription application information is transmitted to the virtual reality insurance processing server 100 through the network means, and correspondingly, the information receiving unit 115 is connected to the interface unit 105 from the customer terminal. And receiving the insurance application information transmitted.

Referring to Figure 1, the virtual reality insurance processing server 100 receives the insurance subscription request information transmitted from the customer terminal through the information receiving unit 115, based on the received insurance subscription request information Insurance premium calculation unit 120 that calculates a premium that a customer should pay periodically in cyber money (or a real currency corresponding to cyber money), and the insurance premium of the customer through the calculated premium and the insurance application information. After the insurance subscription processing unit 125 and the insurance insurance processing of the customer, the insurance premium is automatically withdrawn from the account specified by the customer at the time of the premium payment date of the customer, or the cyber corresponding to the premium Premium payment processing unit 130 which checks money (or electronic money) and pays the premium, and a premium from a predetermined customer If there is a sudden request or a request for confirmation of insurance coverage for a predetermined customer from the virtual reality (or game) providing server, an insurance check confirmation unit 135 for confirming whether or not insurance in accordance with the customer information; After the insurance is confirmed, the insurance processing unit for paying a predetermined premium to the customer, or in conjunction with the virtual reality (or game) providing server to provide insurance benefits corresponding to the insurance subscribed by the customer ( And 145).

When the insurance calculation unit 120 receives the insurance subscription application information transmitted from the customer terminal through the information receiver 115, the customer is cyber money (or cyber money) based on the received insurance application information. It is characterized by calculating the premiums to be paid periodically in real currency corresponding to the.

According to the implementation method of the present invention, the premium calculation unit 120, in the process of calculating the premium, if the customer confirms whether to subscribe to the insurance product in the actual reality, not virtual reality, or subscribes to a specific insurance product And calculating the premium by discounting the premium.

For example, if the customer has already subscribed to an insurance product in the real world that is the same (or similar) as the insurance product to be subscribed to in the virtual reality, the premium may be discounted and may be calculated. The premium can be discounted and calculated based on the performance and the like.

In addition, the premium may be calculated by the customer by discounting the premium according to the level or experience value in the virtual reality (or game).

The insurance subscription processing unit 125 is based on the insurance premium calculated through the insurance premium calculation unit 120 and the insurance application information based on the insurance product operation information generated by the information generation unit 155 below. Characterized in that the insurance process, the insurance process is provided to the information storage unit 140 to be described below is preferably stored in the storage medium 165.

The premium payment processing unit 130 automatically withdraws the premium from the account designated by the customer at the time of the premium payment of the customer periodically after the insurance subscription processing of the customer through the insurance processing unit 125, Alternatively, the cyber money (or electronic money) corresponding to the premium to be paid is checked in connection with the virtual reality (or game) providing server, and the premium is processed using the confirmed cyber money (or electronic money). Characterized in that.

If the insurance check unit 135 has a request for payment of insurance premiums for insurance products subscribed from a predetermined customer, or if there is a request to confirm insurance for a predetermined customer from the virtual reality (or game) provision server, The insurance medium corresponding to the customer information may be checked in connection with the storage medium 165.

After the insurance processing unit 145 confirms that the insurance corresponding to the customer information is confirmed through the insurance checking unit 135, the insurance processing unit 145 pays a predetermined premium corresponding to the subscribed insurance product at the request of the customer; Or in conjunction with the virtual reality (or game) providing server to provide insurance benefits corresponding to the insurance subscribed to by the customer.

According to the implementation method of the present invention, the insurance benefits corresponding to the insurance subscribed by the customer, a virtual reality operating the virtual reality insurance processing server 100 and the virtual reality (or game) providing server (Or the game) is provided based on the previously agreed matters between the providers, for example, when the customer is injured (or damaged, death, etc.) of the character running on the virtual reality (or game) of the character Recovery (or regeneration or treatment, etc.) may be provided for such coverage.

Referring to FIG. 1, the virtual reality insurance processing server 100 further includes an information storage unit 140 for storing the insurance subscription details of the customer, the insurance payment history of the customer, and the insurance processing history of the customer. Characterized in that made.

In addition, the virtual reality insurance processing server 100 is the customer's insurance subscription details, the customer's insurance payment history and the customer's insurance processing history of the customer's communication means (eg, text message, mail, telephone, fax, Blog, mini homepage, homepage, messenger, etc.) characterized in that it further comprises an information providing unit 150 to provide.

Referring to Figure 1, the virtual reality insurance processing server 100 is a unique account on the customer information, financial account information, virtual reality (or game) included in the insurance application information received through the information receiving unit 115 An information generation unit 155 for generating predetermined insurance product operation information corresponding to the insurance product based on the information, and the customer information, financial account information, virtual reality (or game) included in the insurance application information; And further comprising a financial account processing unit 160 for opening and processing a financial account of the customer's name including the insurance product operation information based on the unique account information.

When the insurance application information is received by the information receiving unit 115, the information generating unit 155, the customer information, financial account information, the unique account information on the virtual reality (or game) included in the insurance application information Based on the predetermined insurance product management information corresponding to the insurance product is generated.

According to an embodiment of the present invention, the information generation unit 155 may correspond to the insurance product based on the customer information, the financial account information, and the unique account information on the virtual reality (or game) included in the insurance subscription application information. It is preferable to generate insurance policy information (e.g., insurance policy attributes including a predetermined policy number and a subscription period corresponding to the insurance product, an estimated premium, insurance policy, etc.).

The financial account processor 160 generates a customer ledger including the customer information included in the financial account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information and is provided). After generating predetermined account ledger information including the insurance product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the virtual reality (or Game) a predetermined financial account for the provision of insurance services.

According to an embodiment of the present invention, when the virtual reality insurance processing server 100 and the financial system exist in the same system, the financial account processing unit 160 is linked to the financial system in the ledger D / B the insurance It is preferable to generate a predetermined ledger containing product management information.

According to another exemplary embodiment of the present invention, when the virtual reality insurance processing server 100 and the financial system exist on another system connected through a predetermined communication means, the financial account processor 160 may provide a predetermined communication means. It is preferable to request a ledger D / B on the other financial system to generate a predetermined ledger including the insurance product operation information through an external system on the financial system.

FIG. 2 is a diagram illustrating an implementation method in which a storage medium 165 storing insurance subscription information corresponding to an insurance product subscribed on a virtual reality (or game) is provided in a DBMS on a financial system according to an embodiment of the present invention. to be.

In more detail, FIG. 2 is provided in the ledger D / B when the storage medium 165 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The information structure for one embodiment of the method in which the insurance information is stored in the ledger information, which is a person of ordinary skill in the art to which the present invention pertains, will be referred to and / or modified with reference to FIG. Although various information construction methods for storing the insurance information in D / B may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger and the virtual shown in Figure 1 The account ledger corresponding to the financial product subscribed through the real insurance processing system and at least one information associated with the account ledger are shown to be included, and a person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the financial system includes at least one ledger (eg, a ledger, loan ledger, collateral ledger, ..., etc.) and / or the ledger other than the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to maintain and manage the information. Since it is, the detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, and a minor.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is connected to the customer ledger in a relational manner, the account ledger corresponding to the financial product, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc., and includes the account number, abstention (month), period (days), and extension of the account Periodic receipt information including at least one expiration date and a target amount, and / or a trust including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Receiving information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), combination transaction, date of payment, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, wherein the storage medium 165 is the ledger D / B, or includes an implementation method provided in the ledger D / B according to an embodiment of the present invention, the virtual shown in FIG. Insurance subscription including at least one of the customer information, the financial account information, the unique account information on the virtual reality (or game) included in the insurance application information provided through the real insurance processing system and the insurance product operation information and financial account information The information is stored in the form of additional information added to the account ledger.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the virtual reality insurance processing system in response to the customer. It is preferable to make it.

In addition, the insurance product management information preferably further comprises insurance product basic information including a predetermined insurance product name corresponding to the insurance product, various additional attributes of the insurance product and the insurance product management institution.

According to another embodiment of the present invention, the insurance application information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information, and / or in the form of a separate independent ledger other than the account ledger, whereby the present invention is not limited.

3 is a storage medium 165 for storing insurance information corresponding to an insurance product subscribed to a virtual reality (or a game) according to another embodiment of the present invention. A diagram illustrating an implementation method including a linked database.

In more detail, FIG. 3 illustrates an information structure for an embodiment in which the storage medium 165 shown in FIG. 1 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the insurance information in association with the ledger D / B in a predetermined database by referring to and / or modifying the drawing 3 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the insurance insurance information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution shows the ledger D / B of the DBMS). It is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the insurance information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 165 includes a database associated with the ledger D / B provided in the DBMS on the financial system. And the insurance information including at least one of the customer information, the financial account information, the unique account information on the virtual reality (or the game), and the insurance product operation information and the financial account information. Preferably, the information further includes a CIF number corresponding to the ledger information in the insurance subscription information to be linked to the ledger D / B.

The unique account information on the virtual reality (or game) is associated with the virtual reality insurance processing system or on the virtual reality (or game) provided with the virtual reality insurance processing system, the customer is a member or a character ( Or an avatar (or unique ID) assigned in the process of generating the avatar).

Figure 4 is an implementation method comprising a DBMS provided with a banking server has a storage medium 165 for storing insurance information corresponding to an insurance product subscribed on a virtual reality (or game) in accordance with another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 165 shown in FIG. 1 is provided on an internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a server. If a person of ordinary skill in the art belongs to the present invention, the present invention is provided with at least one banking server by referring to and / or modifying the drawing. It is possible to infer a method of configuring information on insurance information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4 in which the storage medium 165 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the insurance application information. And the insurance information including at least one of the customer information, the financial account information, the unique account information on the virtual reality (or game), and the insurance product operation information and the financial account information.

5 is a diagram illustrating an insurance product subscription process for providing an insurance service in a virtual reality (or a game) in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, Figure 5 is a customer terminal on the virtual reality insurance processing system shown in Figure 1 is a customer terminal, the virtual reality insurance processing server 100 Web server function that can be connected to the customer terminal through a predetermined network means When the web server is linked to a virtual reality (or game) providing server for providing a predetermined virtual reality (or game), or provided in the virtual reality (or game) providing server, a predetermined customer is said Customer information, financial account information, virtual reality (or game) through the customer terminal to visit a financial institution on the virtual reality (or game) and subscribe to insurance products for providing insurance services on the virtual reality (or game) When providing insurance application information including at least one or more unique account information on the virtual reality insurance processing system, the customer information, financial account information, virtual reality An embodiment of the present invention relates to an implementation method of processing a subscription to an insurance product for providing insurance service on a virtual reality (or game) based on insurance application information including at least one or more unique account information on a game. Those skilled in the art may refer to and / or modify the drawings 5a and 5b to register the insurance application information with the virtual reality insurance processing server 100 at the client terminal. It may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, although the embodiment shown in FIG. 5 includes a process of generating a predetermined electronic document corresponding to the insurance application information and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In addition, the implementation method shown in FIG. 5 receives a user interface through which the client terminal inputs (or selects) the insurance application information through a predetermined web page provided by the virtual reality insurance processing server 100. Although illustrated as being described, it may be provided through a virtual reality (or game) providing server interoperating with the virtual reality insurance processing server 100, thereby the present invention is not limited.

Hereinafter, in FIG. 5, the customer terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the virtual reality insurance processing server 100 linked with the virtual reality (or game) providing server shown in FIG. For convenience, referred to as "server," the customer information, the financial account information, and the unique account information on the virtual reality (or game) transmitted from the customer terminal to the virtual reality insurance processing server 100 is referred to as "insurance application information" for convenience. do.

Referring to Figure 5, the customer terminal shown in Figure 1 is a predetermined network means (e.g., if the customer terminal is a wired terminal, a TCP / IP based wired communication network, if the customer terminal is a wireless terminal, CDMA based ( And / or access the virtual reality (or game) providing server through an HSDPA based mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, etc. In the course of the game, if you visit a financial institution on the virtual reality (or game) and request to subscribe to an insurance product on the virtual reality (or game) (provide insurance service on the virtual reality (or game). Requesting a web page including a user interface) (500), and correspondingly, the server includes at least one or more unique account information on the customer information, financial account information, and virtual reality (or game). Generate (or extract) a web page including a user interface for inputting (or selecting) insurance application information to be transmitted to the server (505), and generating (or extracting) the user interface through the network means The web page including the transmission is output to the terminal (510).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the insurance application information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) insurance application request information including at least one or more customer information, financial account information, and unique account information on virtual reality (or game) through the user interface included in the web page (515). ).

If the terminal receives (or selects) insurance subscription information including the customer information, the financial account information, and the unique account information on the virtual reality (or game) through the user interface (520), the terminal communicates with the user. The user information, the financial account information, and the unique account information on the virtual reality (or game) are transmitted to the server through the channel (525).

Thereafter, the server receives and reads the customer information, the financial account information, the unique account information on the virtual reality (or the game) through the communication channel, and generates insurance product operation information corresponding to the insurance application information (530). ).

According to an embodiment of the present invention, the insurance product operation information is a generic term for information for managing and operating the insurance product through which a customer intends to subscribe through the insurance application information through a predetermined financial account. It is preferable to be carried out in various modifications according to the characteristics and properties of the.

When the insurance product operation information is generated, the server processes the subscription for the insurance product requested by the customer in association with the financial system based on the generated insurance product operation information (535).

Thereafter, the server stores the insurance coverage of the customer in the storage medium 165 (540).

According to an embodiment of the present invention, when the storage medium 165 is provided in the server or on a network associated with the server, the server includes the customer information included in the received insurance application information, Preferably, the storage medium 165 stores financial account information, unique account information on a virtual reality (or game), and insurance subscription information including at least one insurance product operation information and financial account information.

According to another embodiment of the present invention, when the storage medium 165 is provided in a DBMS provided on a financial system, the server includes the customer information, financial account information, and virtual information included in the received insurance application information. Providing insurance information including at least one unique account information on the reality (or game) and at least one insurance product operation information and financial account information as an information system through an external system on the financial system and storing it in a DBMS provided on the financial system. It is desirable to.

Thereafter, the server generates (or extracts) predetermined insurance product subscription processing history information and transmits it to the terminal (545).

According to an embodiment of the present invention, the storage medium 165 is preferably provided in a DBMS on a financial system provided on the virtual reality insurance processing system (or associated with the virtual reality insurance processing system). When the storage medium 165 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

In more detail, in FIG. 6, a predetermined customer (eg, a virtual reality (or game) user) visits a financial institution (or a financial institution branch) operating on a virtual reality (or game) through the process of FIG. 5. After purchasing the insurance for the character (or avatar) on the virtual reality (or game), the process of paying the premium for the insurance product subscribed to the cyber money held by the customer in the virtual reality (or game) For those of ordinary skill in the art to which the present invention pertains, cyber money (or electronics) for insurance premiums subscribed to the virtual reality (or game) by referring to and / or modifying this figure 6 It will be possible to infer various implementation methods of payment in currency), but the present invention includes all the implementation methods inferred above, and is limited to the implementation method shown in FIG. It does.

Hereinafter, in FIG. 6, the customer terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the virtual reality insurance processing server 100 linked with the virtual reality (or game) providing server shown in FIG. For convenience, it is called a "server."

Referring to FIG. 6, the server checks the customer insurance subscription process stored in the storage medium 165 to check the premium payment time for the insurance subscribed to the customer, and check whether the premium payment time has arrived (600).

If the premium payment for the insurance product subscribed to by the customer has arrived (605), the server checks the cyber money (or electronic money) held by the customer in conjunction with a virtual reality (or game) provision server. 610.

In operation 615, the server checks whether the insurance premium can be paid for the insurance product through the cyber money (or electronic money) held by the customer.

If the premium can be paid for the insurance product through the cyber money (or electronic money) held by the customer (620), the server uses the cyber money (or electronic money) held by the customer to carry out the insurance. The premium for the product is paid (625).

The virtual reality (or game) providing server may deduct the cyber money (or electronic money) provided as a premium from the cyber money (or electronic money) held by the customer (630).

Thereafter, the server stores the premium payment processing history using the cyber money (or electronic money) in the storage medium 165 (635), and the details of the premium payment processing of the cyber money (or electronic money) as customer communication means. Transmit (640).

7 is a diagram illustrating a premium payment process for an insurance product subscribed in virtual reality (or a game) according to another embodiment of the present invention.

In more detail, in FIG. 7, a predetermined customer (eg, a virtual reality (or game) user) visits a financial institution (or a financial institution branch) operating on a virtual reality (or game) through the process of FIG. 5. After subscribing to insurance for a character (or avatar) on the virtual reality (or game), the process of paying the premium for the subscribed insurance product in real currency, the present invention belongs to Those skilled in the art can refer to and / or modify this drawing 7 to infer various implementation methods for paying premiums in real money for insurance products subscribed in virtual reality (or games). It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 7, the customer terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the virtual reality insurance processing server 100 linked with the virtual reality (or game) providing server shown in FIG. For convenience, it is called a "server."

Referring to FIG. 7, the server checks the insurance insurance processing history stored in the storage medium 165 to check the premium payment time for the insurance subscribed to the customer, and check whether the premium payment time has arrived (700).

If the premium payment for the insurance product subscribed to by the customer arrives (705), the server checks the premium payment account registered at the time the customer subscribes to the insurance product in connection with a financial system to check whether the premium can be paid. Check (710).

If the amount to pay the premium is deposited in the premium payment account (715), the server withdraws the premium from the premium payment account to process the premium (720).

Thereafter, the server stores the premium payment processing history using the premium payment financial account in a storage medium 165 (725), and transmits the premium payment processing details to a customer communication means (730).

8 is a diagram illustrating an insurance service providing process in a virtual reality (or a game) according to an embodiment of the present invention.

In more detail, in FIG. 8, a predetermined customer (eg, a virtual reality (or game) user) visits a financial institution (or a financial institution branch) operating on a virtual reality (or a game) through FIG. 5. After subscribing insurance for a character (or avatar) in real life (or game), when the insurance premium is normally paid for a subscription insurance product as shown in FIG. If the premium payment application information including at least one or more of the customer information, the unique account information on the virtual reality (or game) to the virtual reality insurance processing system, based on the premium payment application information insurance products subscribed to the customer (Or confirming whether the customer has subscribed to the insurance product), and if the insurance product is confirmed, a predetermined premium is paid. As for those of ordinary skill in the art to which the present invention pertains, various implementation methods for insurance service provision process in virtual reality (or game) can be inferred by referring to and / or modifying the drawing 8. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the customer terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the virtual reality insurance processing server 100 linked with the virtual reality (or game) providing server shown in FIG. For convenience, it is called a "server."

Referring to FIG. 8, the client terminal illustrated in FIG. 1 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). Communication network and / or IEEE 802.16x-based portable Internet, etc.) to connect to the server, connect a predetermined communication channel for a predetermined premium payment request, and request registration of the premium payment application information for the premium payment request. In step 800, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the premium payment application information (805), and generates the web page (or extracted) through the communication channel. In operation 810, the terminal transmits the output to the terminal.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) premium payment application information including at least one of the customer information and the unique account information on the virtual reality (or game) in the terminal. It is preferable to comprise.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the premium payment application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) premium payment application information including at least one or more customer information and unique account information on the virtual reality (or game) through the information registration interface (815).

If the terminal receives (or selects) premium payment application information including the customer information and the unique account information on the virtual reality (or game) through the information registration interface (820), the terminal through the communication channel The input (or selected) customer information and the unique account information on the virtual reality (or game) is transmitted to the server (825).

According to an embodiment of the present invention, transmitting the input (or selected) customer information and the unique account information on the virtual reality (or game) to the server through the communication channel is input (or via the information registration interface). Optionally, the premium payment request information may be further transmitted through an electronic signature and / or encryption through a security module provided in the terminal and transmitted to the server.

Thereafter, the server receives and reads the customer information and the unique account information on the virtual reality (or game) through the communication channel to check the validity of the premium payment application information (830).

If the validity of the premium payment application information is not authenticated (835), the server generates a web page including the predetermined premium payment processing error information and transmits the webpage to the terminal (840). Do not perform the corresponding premium payment procedure.

On the other hand, if the validity of the premium payment application information is authenticated (835), the server performs a premium payment procedure corresponding to the premium payment application information to calculate the amount of insurance to be paid to the customer (845), the calculation The cyber money corresponding to the amount of money is linked with the virtual reality (or game) providing server to charge corresponding to the customer account (850).

Thereafter, the server stores the insurance payment details in a storage medium 165 (855), and generates a web page including the insurance payment details information and transmits it to the terminal (860), which is transmitted from the terminal. Complete the premium payment process.

In more detail, in FIG. 9, a predetermined customer (eg, a virtual reality (or game) user) visits a financial institution (or a branch of a financial institution) operating on a virtual reality (or a game) through FIG. 5. After the insurance for the character (or avatar) on the reality (or game), the virtual reality (or game) is provided in the case of paying the premium for the registered insurance product as shown in FIG. 6 or FIG. In order to provide insurance (for example, recovery, healing, regeneration, etc.) for the injury (or damage or death) of the character (or avatar) of the customer in the virtual reality (or game) providing server to confirm the insurance Upon request, a check result of whether the customer is insured is provided to the virtual reality (or game) providing server, thereby injuring (or damaging or dying) the character (or avatar) of the customer. The present invention relates to a process for providing a rugged benefit, and those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 9 to provide a variety of processes for providing insurance services in virtual reality (or games). Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, when the customer's insurance processing request for the injury of the character (or avatar) of the customer is confirmed in the virtual reality (or game) providing server illustrated in FIG. 1 (900), the virtual reality (or Game) providing server transmits the customer information to the server to request whether to check the insurance subscription corresponding to the customer information (905).

Then, the server checks whether the insurance corresponding to the transmitted customer information (910), and if the insurance corresponding to the customer information is confirmed (915), the server insurance of the customer through a communication channel The subscription confirmation history is transmitted to the virtual reality (or game) providing server (920).

The virtual reality (or game) providing server provides insurance benefits (eg, recovery, healing, reproduction, etc.) for the customer character (or avatar) according to the insurance subscription confirmation of the customer (925), and the details of the insurance provision To transmit to the server (930).

Thereafter, the server stores the insurance offer details in a storage medium 165 (935), generates (extracts) a web page including the insurance offer details and transmits the information to the terminal (940).

According to the present invention, there is an advantage that the customer can be secured by providing insurance services in virtual reality.

In addition, since the insurance service can be applied to the character in the virtual reality, there is an advantage that can generate new revenue through consultation between the virtual reality service provider (or game company).

In addition, cyber money can be converted into real money, the virtual reality can be reflected in the real world has the advantage of maximizing profit.

Claims

Receiving insurance application information for a character (or avatar) on a virtual reality (or game) from a client terminal at a server operating a financial institution on the virtual reality (or game);

Calculating premiums (or cyber money) to be periodically paid by a customer in response to the received insurance application information;

When the insurance processing for the insurance application is completed in the server, storing the insurance information in association with the unique account information on the virtual reality (or game) and storing the insurance information in a storage medium; And

When the premium payment time arrives, paying the cyber money (or electronic money) held by the customer as a premium in response to the unique account information on the virtual reality (or game) in the server; How to provide insurance services in virtual reality (or games).

According to claim 1, When the premium payment time arrives,

Paying the actual money corresponding to the cyber money (or electronic money) held by the customer as a premium; insurance service providing method on a virtual reality (or game) further comprising.

The method of claim 1,

Checking whether the character (or avatar) is insured upon injury (or damage or death) of the character (or avatar) on the virtual reality (or game);

If the insurance of the character (or avatar) is confirmed, the step of recovering (or playing or healing) the character (or avatar) in conjunction with the virtual reality (or game) providing server; further comprising a Method of providing insurance service in a virtual reality (or game) characterized in that.

Means for processing the insurance based on the insurance application information for the character (or avatar) on the virtual reality (or game) received from the customer terminal;

Means for storing the insurance subscription information in association with the customer information and the unique account information on the virtual reality (or game) in a storage medium;

Means for paying a premium for the cyber money (or electronic money) held by the customer in response to the unique account information on the virtual reality (or game) at the time of the premium payment timing; And

In case of injury (or damage or death) of a character (or avatar) on the virtual reality (or game), in conjunction with a predetermined virtual reality (or game) server according to whether or not insurance for the character (or avatar) Means for restoring (or playing or healing) the character (or avatar); and a system for providing insurance service on a virtual reality (or game).