KR20180128218A - Insurance information provision apparatus to provide comparative information on multiple insurance products and operation method thereof - Google Patents

Abstract

According to an embodiment of the present invention, an insurance information providing apparatus and an operation method thereof are provided. The apparatus includes: a communication part for receiving an insurance inquiry request for an insured person wherein the insurance inquiry request includes personal information on the insured person and information on an inquiry condition; a product detecting part for detecting one or more insurance products meeting the personal information and the inquiry condition in response to the insurance inquiry request; and a comparison display part for comparing and displaying design information on the detected insurance products. The design information may include at least one of insurance premiums, guarantee details, and reasons for payment for each of the insurance products.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance information providing apparatus for providing comparison information on a plurality of insurance products,

The present invention relates to an insurance information providing apparatus and an operation method thereof, and more particularly, to an insurance information providing apparatus and an operation method thereof that can provide comparison information in real time for a plurality of insurance products operated by different insurance companies.

In general, an insurance refers to a product that has paid a pre-agreed insurance premium when an insurance accident occurred in the insurance policy specified by the insurance policy among the subscribers (policyholders) who paid the premium. These insurance are commerce and a kind of contract between an insurance company that sells it and a policy contractor who purchases it, and it is usually a subscription through an insurance agent or the Internet.

At this time, the contents of each insurance product are changed according to the gender, age and guarantee or special condition of the insured person, and the insurance premium paid is also determined according to a complicated estimation method based on various statistical data and algebraic laws. Therefore, it is not easy for a customer without expertise to select an insurance product. In the end, the customer relies heavily on the explanations provided by the insurance planner or insurance company to compare each insurance product vaguely in terms of the incorrect premiums or guarantees acquired individually in the selection of the insurance product.

However, the description of the insurance product provided by the insurance planner or the insurance company is merely the product operated by the company, and does not provide any comparative information with the insurance product of other insurance companies. Even if provided, There is a problem that it is difficult. In addition, in the case of the simple subscription method through the existing insurance agent, the customer selects the product by soliciting the simple designer without directly confirming the collateral (special agreement) and guarantee details of the actual subscription goods, There is also a problem that frequent complaints arise at the time of actual guarantee.

Recently, as the online electronic commerce based on the Internet has been activated, many insurance companies have opened a site on the Internet and directly provide information on various insurance products to customers visiting the site, . In particular, some insurance companies provide insurance product selection tools on the site to provide services that recommend insurance products corresponding to the condition information entered by the customer. However, in the case of insurance products, there are many factors that make up the product such as the gender, age, payment period, insurance premium, guarantee contents of the insured person, so it is troublesome for the customer to visit each site and compare various insurance products The problem is that efficiency is also very low.

Accordingly, there is a need for an improved device that allows a customer or an insurance agent to cross-analyze a number of insurance products operated by different insurers on an objective basis.

It is an object of the present invention to provide an insurance information providing apparatus and an operation method thereof that can provide comparison information in real time for a plurality of insurance products operated in different insurance companies.

The technical problems of the present invention are not limited to the above-mentioned technical problems, and other technical problems which are not mentioned can be understood by those skilled in the art from the following description.

An operation method of the insurance information providing apparatus is provided according to an embodiment of the present invention. The method includes receiving an insurance inquiry request for an insured person, the insurance inquiry request including information on personal information and inquiry conditions for the insured person; Detecting at least one insurance product meeting the personal information and the inquiry condition in response to the insurance inquiry request; And comparing and displaying design information on the detected insurance product, wherein the design information may include at least one of a premium, a guarantee description, and a cause of payment for each of the insurance products.

Preferably, the personal information includes information on at least one of the age, sex, health status, and injury severity of the insured person, and the information on the inquiry condition includes insurance type, insurance company, insurance type, Information about at least one of < / RTI >

Further, preferably, each of the insurance products may be a product operated by a different insurance company.

Further, preferably, setting a rider for at least one of the detected insurance products; And calculating a premium for each of the detected insurance products on the basis of the personal information, the inquiry condition, and the set special condition.

Preferably, the method further includes the step of determining whether the insured is allowed to take over the insurance product based on the personal information, the inquiry condition, and the set special condition, the step of calculating the insurance premium, May be performed on an insurance product that is determined to be acceptable by the insured of the detected insurance product.

The method may further include updating the design information with respect to at least one of the insurance products when at least one of the inquiry conditions or a special drug set for the insurance product is changed.

In addition, the method may further include sending design information for each of the insurance products to at least one of SMS and e-mail.

Preferably, the method further comprises: receiving a subscription request for at least one of the insurance products; And in response to the subscription request, proceeding with a series of subscription procedures for at least one of the insurance products.

Also, preferably, the design information may further include feedback information of the subscriber for each of the insurance products.

There is provided a computer-readable recording medium having recorded thereon a program for performing the method according to an embodiment of the present invention.

An insurance information providing apparatus is provided according to an embodiment of the present invention. The apparatus includes: a communication unit for receiving an insurance inquiry request for an insured person, the insurance inquiry request including information on personal information and inquiry conditions of the insured person; A product detecting unit for detecting at least one insurance product meeting the personal information and the inquiry condition in response to the insurance inquiry request; And a comparative display unit for comparing and displaying design information on the detected insurance product, and the design information may include at least one of insurance premium, guarantee details and cause of payment for each insurance product.

Preferably, the personal information includes information on at least one of the age, sex, health status, and injury severity of the insured person, and the information on the inquiry condition includes insurance type, insurance company, insurance type, Information about at least one of < / RTI >

Further, preferably, each of the insurance products may be a product operated by a different insurance company.

Preferably, an inquiry processing unit for setting a rider for at least one of the detected insurance products, and calculating a premium for each of the detected insurance products on the basis of the personal information, the inquiry condition, and the set rider .

It is preferable that the inquiry processing unit judges the acceptability of the insured for the insured product based on the personal information, the inquiry condition, and the specified concession, and if the insured person The insurance premium of the inquiry processing unit and the comparative display of the design information of the comparison display unit can be performed for the insurance product determined to be possible.

Preferably, when at least one of the above-mentioned inquiry conditions or a special contract set for at least one of the insurance products is changed, the inquiry processing unit and the comparison display unit can update the design information for at least one of the insurance products have.

Preferably, the communication unit may send design information for each of the insurance products to at least one of SMS and e-mail.

Preferably, the communication unit further includes a commodity subscription unit for, when receiving the subscription request for at least one of the insurance commodities, proceeding to a series of subscription procedures for at least one of the insurance commodities in response to the subscription request can do.

Also, preferably, the design information may further include feedback information of the subscriber for each of the insurance products.

According to the present invention, a customer (an insurance contractor) compares and analyzes an insurance commodity suitable for a desired condition based on an objective criterion, thereby making it possible to easily and rationally select an insurance commodity having a desired guarantee amount and an insurance premium.

Further, according to the present invention, it is possible to confirm guaranty (special coupon) guarantee details and the like for a plurality of insurance products operated in different insurance companies, to calculate design information such as premiums, request re- , It is possible to maximize the satisfaction of customers by increasing the speed and accuracy of insurance subscription.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
1 shows an insurance information providing system according to an embodiment of the present invention.
2 shows an insurance information providing apparatus according to an embodiment of the present invention.
FIG. 3 illustrates an operation method of an insurance information providing apparatus according to an embodiment of the present invention.
FIG. 4 illustrates an operation method of the insurance information providing apparatus according to an embodiment of the present invention.
5 to 7 illustrate an exemplary operation of the insurance information providing apparatus according to an embodiment of the present invention.
FIG. 8 illustrates an exemplary operation for performing management for an insurance information providing apparatus according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described with reference to the accompanying drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals whenever possible, even if they are shown in different drawings. In the following description of the embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the difference that the embodiments of the present invention are not conclusive. In addition, embodiments of the present invention will be described below, but the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements.

1 shows an insurance information providing system according to an embodiment of the present invention.

Referring to FIG. 1, the insurance information providing system 1000 may include at least one user terminal 110, at least one insurance company server 120, and an insurance information providing apparatus 200.

The user terminal 110 may refer to a terminal used by a customer (an insurance contractor or insured) or an insurance planner. That is, the customer or the insurance planner can transmit an insurance inquiry request to the insurance information providing apparatus 200 through the user terminal 110 that he or she uses, to request the comparison information on one or more insurance products to which the insured can join . In response to the insurance inquiry request, the insurance information providing device 200 detects one or more insurance products based on the personal information of the insured person, the inquiry conditions, and transmits design information such as insurance premiums, guarantee details, etc. , The customer or insurance planner can receive the information from the user terminal 110 and compare the design information of one or more insurance products with each other.

The insurance company server 120 may refer to a terminal or other computing device used by an insurer. Each insurer server 120 may provide information about a number of insurance products operated by the insurer (for example, insurance type, insurance company, insurance type, payment period, warranty period, premium calculation standard, To the insurance information providing apparatus 200 periodically or non-periodically. Using this information received from the insurance company server 120, the insurance information providing apparatus 200 can establish a database for a plurality of insurance products operated by different insurance companies. In addition, when the insurance server 120 receives a request for the insurance product through the insurance information providing apparatus 200 or directly, the insurance company server 120 transmits the insurance insurance information to the insurance information providing apparatus 200 and / A series of subscription procedures can be performed.

The insurance information providing apparatus 200 can compare design information on one or more insurance products suitable for an arbitrary insured person in accordance with a request from a customer or an insurance planner for insurance inquiry. More specifically, the insurance information providing apparatus 200 receives personal information (for example, age, sex, injury severity, etc.) for any insured person and inquiry conditions (for example, insurance type, Insurance type, etc.), it is possible to detect one or more suitable insurance products. Thereafter, the insurance information providing apparatus 200 can determine whether or not the underwriting of the insured for each insurance product is possible by selecting a coupon to be applied to the insurance product detected by the customer or the insurance planner. Also, the insurance information providing apparatus 200 can calculate the estimated premium in real time in consideration of the selected coupons and the like for the insurance commodity determined to be acceptable, and transmits the design information of each insurance commodity including the calculated insurance premium to the user terminal 110 ) So that such design information can be provided to a customer or an insurance planner for comparison. When the insurance information providing apparatus 200 receives a request to join the insurance product from the customer (or the insurance planner) who has been provided with the design information, the insurance information providing apparatus 200 interlocks with the user terminal 110 and the insurance company server 120, It can provide a set of services for insurance.

However, the configuration of the insurance information providing system 1000 shown in FIG. 1 is illustrative, and various devices may be additionally configured according to the embodiment to which the present invention is applied.

2 shows an insurance information providing apparatus according to an embodiment of the present invention.

Referring to FIG. 2, the insurance information providing apparatus 200 may include a communication unit 210, a storage unit 220, and a control unit 230.

The communication unit 210 may be a wired and / or wireless communication unit 210, which is provided for direct connection with the outside or via a network. Specifically, the communication unit 210 transmits data from the control unit 230, the storage unit 220, and the like by wire or wireless, or receives wired or wireless data from the external unit and transmits the data to the control unit 230 or the storage unit 220 ). ≪ / RTI > The data may include personal information of a customer (or an insured person), insurance product information (for example, insurance type, insurance company, insurance type, payment period, guarantee details, premium calculation standard, Etc.), an insurance inquiry request, and design information for the insurance product detected according to the request. The communication unit 210 may be a communication unit such as a LAN, a Wideband Code Division Multiple Access (WCDMA), a Long Term Evolution (LTE), a Wireless Broadband Internet (WiBro) Fidelity, Near Field Communication (NFC), Bluetooth, and infrared communication. However, it should be understood that the present invention is not limited to the above-described embodiments, and various kinds of wired and wireless communication technologies applicable to the related art may be used according to the embodiments to which the present invention is applied.

Various data accompanying the operation of the insurance information providing apparatus 200 may be stored in the storage unit 220. The data includes the personal information of the customer (or the insured person), the insurance product information (for example, the insurance type, the insurance company, the insurance premium type, the payment period, the guarantee details, the insurance premium calculation standard, And design information on the insurance product detected according to the insurance inquiry request. However, the present invention is not limited thereto. Accordingly, in the storage unit 220, a customer information DB 222 and an insurance product information DB 224 can be constructed. The storage unit 220 may be a hard disk drive (HDD), a read only memory (ROM), a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM) flash memory, CF (Compact Flash) card, SD (Secure Digital) card, SM (Smart Media) card, MMC (Multimedia) card or Memory Stick And may be provided in the insurance information providing apparatus 200 or may be provided in a separate apparatus.

The control unit 230 may control the signal flow between the insurance information providing apparatus 200 and the internal structures of the insurance information providing apparatus 200, and may perform a data processing function for processing the data. The control unit 230 may include a product detecting unit 232, a inquiry processing unit 234, a comparison display unit 236, and a product registering unit 238.

In response to the insurance inquiry request, the product detecting unit 232 may detect at least one insurance commodity suitable for any insured person. That is, when the information on the personal information and the inquiry condition of the insured person is received together with the insurance inquiry request from the user terminal 110, the product detecting unit 232 refers to the insurance product information DB 224, And / or one or more insurance products that meet at least a portion of the query conditions.

The inquiry processing unit 234 may set a rider for each of at least one insurance product detected by the goods detection unit 232 and perform an underwriting determination and insurance premium calculation of the insured for the insurance product. Specifically, when a courier to be applied to each insurance product is selected by the customer or the insurance planner, the inquiry processing unit 234 refers to the acquisition guidance of each insurance product included in the insurance product information DB 224, It is possible to judge whether or not the condition of acceptance of each insurance product is satisfied. In addition, the inquiry processing unit 234 calculates the premiums of the insurance commodities included in the insurance commodity information DB 224 for the insurance commodities detected by the commodity detection unit 232 and / By reference to the criteria, you can calculate the expected premium that the insured person will pay.

The comparative display unit 236 can compare and display design information on at least one insurance product detected by the product detection unit 232 and / or design information on at least one insurance product that the insured person is determined to be acceptable. At this time, the design information may include not only insurance premiums of the insurance products calculated by the inquiry processing unit 234, but also information on the guarantee details (guarantee period, set special treatments, guaranteed amount, etc.)

On the other hand, if at least one of the inquiry conditions or at least one of the insurance products is changed, the inquiry processing unit 234 performs the determination of the acceptability and the premium calculation again, and accordingly, the comparison display unit 236 The design information for at least one of the insurance products may be updated and provided to the user terminal 110.

The product subscription unit 238 may proceed with the subscription procedure for at least one of the insurance products. That is, for example, when a subscription request for at least one of the insurance products provided with design information is received from the user terminal 110, the product subscription unit 238 interlocks with the insurance company server 120 operating the insurance product We will go through a series of procedures for insuring.

Although not shown in FIG. 2, the insurance information providing apparatus 200 may further include an input unit. Various data may be input by the user (or manager) of the insurance information providing apparatus 200 to the input unit. Various input devices applicable to the related art such as a key, a touch panel, a switch, and the like can be used as a user input unit.

Although not shown in FIG. 2, the insurance information providing apparatus 200 may further include a display unit. The display unit may display an image or data provided from the control unit 230 on the screen and provide a user interface for a user's input required for the operation of the insurance information providing apparatus 200. The display unit may be formed of a liquid crystal display (LCD), an organic light emitting diode (OLED), an active matrix organic light emitting diode (AMOLED), or the like.

FIG. 3 illustrates an operation method of an insurance information providing apparatus according to an embodiment of the present invention.

In step S310, the communication unit 210 may receive an insurance inquiry request for an arbitrary insured person from the user terminal 110. [ That is, the customer directly or the insurance planner can transmit an information inquiry request for a plurality of insurance products to the insurance information providing apparatus 200 using their respective user terminals 110 according to the request of the customer . At this time, the user terminal 110 may be provided with a predetermined interface for performing the insurance inquiry request.

On the other hand, the insurance inquiry request may include information about the personal information and inquiry conditions of the insured. Herein, the personal information includes information on at least one of the name, age, sex, health condition (for example, a disease of possession, surgery / medical treatment history, etc.) and injury grade of the insured person, (At least one of the type of insurance (eg, low cost, standard type, etc.)), the payment period and the insurance period And the like. Based on the information on the personal information and the inquiry condition, the insurance information providing apparatus 200 performs the procedures such as the detection of the insurance product and the insurance premium calculation, as described below.

In step S320, the product detecting unit 232 may detect at least one insurance product meeting the personal information of the insured person and the inquiry condition in response to the insurance inquiry request. That is, the goods detecting unit 232 refers to the information on the plurality of insurance products stored in the insurance product information DB 224, and detects one or more insurance products at least partially matching the personal information of the insured person and / do. At this time, each of the insurance products detected by the merchandise detection unit 232 may be a merchandise that is preferably operated by a different insurance company.

In step S330, the inquiry processing unit 234 can set a rider for at least one of the detected insurance products based on the user input. For example, the inquiry processing unit 234 may detect at least one rider specific for each insurance product and transmit the at least one rider to the user terminal 110. At this time, the inquiry processing unit 234 may be configured to preferentially detect the rider recommended by the insurance company or the rider who has a high preference of the subscriber for each insurance commodity among a plurality of ridicules. Accordingly, the customer or the insurance planner can confirm the rider through the predetermined interface displayed on the user terminal 110, and can select at least one of them to be applied to each insurance product. Based on the selection, 234) will set a rider for each insurance product.

In step S340, the inquiry processing unit 234 can calculate the premium for the insurance product detected in step S320 based on the rider set for each of the personal information about the insured person, the inquiry condition, and the insurance product. That is, the inquiry processing unit 234 refers to the information on the plurality of insurance products stored in the insurance product information DB 224 (in particular, the insurance premium calculation standard for each insurance product), and compares the age, sex, Insurance premiums, insurance premiums, insurance premiums, payment / coverage periods, insurance premiums (or guarantees) selected by the insured for all or part of the insurance product.

In step S350, the comparative display unit 236 can compare and display the design information on at least one insurance product detected by the product detection unit 232. [ Here, the design information may include at least one of premiums, guarantee details (guarantee period, set-up specialties, guarantee amount, etc.) calculated through S340 for each insurance product, and reasons for payment. That is, the comparison display unit 236 transmits the insurance premium, the guarantee details, the reason for payment, etc. of each insurance product to the user terminal 110 of the customer and / or the insurance agent through the communication unit 210, To be displayed on the user terminal 110 in a comparative manner.

Meanwhile, in one embodiment, the design information may further include feedback information on the insurance product. At this time, the feedback information may be provided in the form of, for example, ratings, grades, and the like for the latter term created by the subscriber of the insurance product, and one or more evaluation items (price, guarantee content, etc.). In this manner, not only the information about the content of the insurance product itself but also the feedback information directly created by the subscriber can be additionally provided, thereby enabling the customer to select and subscribe the optimal insurance product suitable for his / her needs.

In step S360, the merchandise addition unit 238 may proceed with the registration process for at least one of the insurance products. For example, in step S350, the customer who has received the design information from the user terminal 110 selects one of the insurance products, and directly or through the user terminal 110 of the insurance agent, To the insurance information providing apparatus 200. [ When the insurance information providing apparatus 200 receives such a subscription request, the insurance information providing apparatus 200 performs a series of procedures for insurance inscription (issuance and signature of the insurance contract, insurance contract issuance, insurance premium transfer, Setting, etc.).

Although not shown in FIG. 3, in one embodiment, the method 300 may further include sending design information for each of the insurance products to at least one of SMS and email. In particular, this step may additionally be configured if the design information is transmitted and displayed to the insurance contractor's user terminal 110 through step S350. That is, for example, if there is a request from a customer, the insurance planner transmits design information on at least one of the insurance products displayed on the user terminal 110 to the user terminal 110 of the customer, The insurance information providing apparatus 200 may transmit the design information of the requested insurance product to the user terminal 110 of the customer in the form of SMS and / or e-mail.

Also, although not shown in FIG. 3, in one embodiment, the method of operation 300 may further comprise updating design information for an insurance product. For example, if a customer or an insurance planner changes (ie adds, deletes, or replaces) an anomaly to at least one of the insurance products to perform a detailed design of the insurance product, The inquiry processing unit 234 may re-calculate the insurance premium based on the changed special contract or the like and provide the updated design information including the re-calculated insurance premium to the user terminal 110 in real time by the comparison display unit 236 have.

On the other hand, at least one of the steps constituting the operating method 300 can preferably be performed simultaneously for three or more insurance products. Through this, the customer can simultaneously compare the design information such as the insurance quotation and the guarantee details of three or more insurance products, so that it is possible to more easily and reasonably select the insurance product suitable for the user.

FIG. 4 illustrates an operation method of the insurance information providing apparatus according to an embodiment of the present invention.

Referring to FIG. 4, the operation method 400 may further include determining (S440) whether or not the insured's acceptance or rejection of the insurance product is determined. Meanwhile, steps S410 through S430, S450 through S470 of the operation method 400 are the same as steps S310 through S360 of the operation method 300 of FIG. 3, so that the description of FIG. 3 is referred to in order to avoid repetition.

In step S440, the inquiry processor 234 may determine whether the insurer is underwriting the at least one insurance product detected through step S420. At this time, the step S440 may be performed based on the personal information about the insured person, the inquiry condition, and the special condition set for each of the insurance products in step S430. In other words, the inquiry processing unit 234 compares the acquisition guidance of each insurance product stored in the insurance product information DB 224 with the personal information of the insured person, the inquiry condition, and the rider for each insurance product, It is possible to determine whether or not the acceptance condition for the goods is satisfied. For example, if a predetermined age condition is set for the acquisition of an insurance commodity for which a predetermined special contract has been set by the acquisition instruction, the inquiry processing unit 234 can not accept the insurance commodity if the insured is above or below the age .

In one embodiment, at least one of the insurance premium calculation step S450, the design information display step S460, and the insurance purchase progress step S470 is implemented to be performed only for the insurance product determined to be acceptable through step S440 .

5 to 7 illustrate an exemplary operation of the insurance information providing apparatus according to an embodiment of the present invention.

5, the insurance information providing apparatus 200 may provide an interface for inputting the inquiry condition (and / or the personal information of the insured person) to the user terminal 110 used by the customer or the insurance planner. For example, as shown in FIG. 5, the insurance information providing apparatus 200 provides a predetermined interface to the user terminal 110, and a customer or an insurance planner provides a predetermined interface through the interface, The selection information may be transmitted from the user terminal 110 to the insurance information providing apparatus 200. [ Although not shown in FIG. 5, it is needless to say that the insurance information providing apparatus 200 may provide the user terminal 110 with an interface for receiving personal information such as the age, sex, and disease history of the insured person.

6, the insurance information providing apparatus 200 detects at least one insurance product belonging to the same or similar category operated by a plurality of insurance companies based on the personal information of the insured person and the inquiry conditions, It is possible to provide an interface for calculating the special agreement and the insurance premium for the products. 6, a customer or an insurance agent selects a coupon to be applied to each insurance product through a predetermined interface provided to the user terminal 110, and then transmits a premium calculation request to the insurance information provider 200, The insurance information providing apparatus 200 calculates the insurance premium based on the established special drug. On the other hand, as described above, when the customer or the insurance planner changes the special drug set for each insurance product, the insurance premium may be re-calculated based on the changed special drug in real time and provided to the user terminal 110.

Referring to FIG. 7, the insurance information providing apparatus 200 may compare the design information on the detected insurance products to provide the comparison result to the user terminal 110. FIG. For example, the insurance information providing device 200 first lists and compares key information such as an insurance company, a product name, an insurance premium, and special items among design information, and if the customer or the insurance planner selects one of the insurance products , Detailed design information (detailed guarantee details, reason for payment, etc.) of the selected insurance product can be provided. Meanwhile, as described above, design information for at least one of the insurance products may be transmitted to the customer in the form of SMS or e-mail, at the request of the customer or the insurance planner.

As described above, the insurance information providing apparatus 200 according to the present invention provides quick and accurate insurance inscription by providing design information on a plurality of insurance products operated in different insurance companies in real time in comparison with each other, It is possible to eliminate the inconvenience of the demand and maximize the satisfaction of the customer.

FIG. 8 illustrates an exemplary operation for performing management for an insurance information providing apparatus according to an embodiment of the present invention.

Referring to FIG. 8, the insurance information providing apparatus 200 may further provide a predetermined interface for performing overall management of the apparatus 200.

8, for example, the manager or the like, through such an interface provided on the display unit of the insurance information providing apparatus 200 or the administrator terminal, You can confirm the list and / or information and delete / add the insurance product. In addition, through such an interface, it is possible to provide a service for a device 200 such as building a database for providing a comparison service for an insurance product to a customer in a manner of updating or adding some information (special items, premium calculation standard, etc.) The overall management can be efficiently performed.

Meanwhile, the various embodiments described herein may be implemented by hardware, middleware, microcode, software, and / or a combination thereof. For example, various embodiments may include one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays ), Processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions described herein, or a combination thereof.

Also, for example, various embodiments may be stored or encoded in a computer-readable medium including instructions. The instructions stored or encoded in the computer-readable medium may cause a programmable processor or other processor to perform the method, for example, when the instructions are executed. The computer-readable medium includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. The storage medium may be any available media that can be accessed by a computer. By way of example, and not limitation, such computer-readable media can comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, Or any other medium that can be used to carry or store data in the form of data structures.

Such hardware, software, firmware, etc. may be implemented within the same device or within separate devices to support the various operations and functions described herein. Additionally, components, units, modules, components, etc. described in the present invention as "parts" may be implemented separately or together as separate but interoperable logic devices. The description of different features for modules, units, etc. is intended to emphasize different functional embodiments and does not necessarily imply that they must be implemented by individual hardware or software components. Rather, the functionality associated with one or more modules or units may be performed by separate hardware or software components, or may be incorporated within common or separate hardware or software components.

Although acts in a particular order are shown in the figures, it should be understood that these acts are performed in the specific order shown, or in a sequential order, or that all illustrated acts need to be performed to achieve the desired result . In any environment, multitasking and parallel processing may be advantageous. Moreover, the division of various components in the above-described embodiments should not be understood as requiring such a distinction in all embodiments, and the components described may generally be integrated together into a single software product or packaged into multiple software products It should be understood.

As described above, an optimal embodiment has been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, those skilled in the art will appreciate that various modifications and equivalent embodiments are possible without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (19)

An operation method of an insurance information providing apparatus for providing comparison information on a plurality of insurance products,
Receiving an insurance inquiry request for an insured person, the insurance inquiry request including information on personal information and inquiry conditions of the insured person;
Detecting at least one insurance product meeting the personal information and the inquiry condition in response to the insurance inquiry request; And
And comparing and displaying design information on the detected insurance product,
Wherein the design information includes at least one of insurance premiums, guarantee details, and reasons for payment for each of the insurance products. The method according to claim 1,
Wherein the personal information includes information on at least one of age, sex, health status, and injury severity of the insured person,
Wherein the information about the inquiry condition includes information about at least one of an insurance type, an insurance company, a premium type, a payment period and a guarantee period. The method according to claim 1,
Wherein each of the insurance products is a product operated by a different insurance company. The method according to claim 1,
Setting a rider for at least one of the detected insurance products; And
Further comprising calculating a premium for each of the detected insurance products on the basis of the personal information, the inquiry conditions, and the set rundown. 5. The method of claim 4,
Further comprising the step of determining whether the insured is allowed to take over the insurance product based on the personal information, the inquiry condition,
Wherein the step of calculating the insurance premium and the step of displaying are performed for an insurance product determined to be acceptable by the insured among the detected insurance products 5. The method of claim 4,
Further comprising updating the design information for at least one of the insurance products if at least one of the inquiry conditions or a coupon set for the insurance product is changed. The method according to claim 1,
Further comprising sending design information for each of the insurance products to at least one of SMS and e-mail. The method according to claim 1,
Receiving a subscription request for at least one of the insurance products; And
And in response to the subscription request, proceeding with a series of subscription procedures for at least one of the insurance products. The method according to claim 1,
Wherein the design information further includes feedback information of the subscriber for each of the insurance products. 10. A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 1 to 9. An insurance information providing apparatus for providing comparison information on a plurality of insurance products,
A communication unit for receiving an insurance inquiry request for an insured person, the insurance inquiry request including information on personal information and inquiry conditions for the insured person;
A product detecting unit for detecting at least one insurance product meeting the personal information and the inquiry condition in response to the insurance inquiry request; And
And a comparative display unit for comparing and displaying design information on the detected insurance product,
Wherein the design information includes at least one of a premium, a guarantee description and a cause of payment for each of the insurance products. 12. The method of claim 11,
Wherein the personal information includes information on at least one of age, sex, health status, and injury severity of the insured person,
Wherein the information about the inquiry condition includes information regarding at least one of an insurance type, an insurance company, a premium type, a payment period and a guarantee period. 12. The method of claim 11,
Wherein each of the insurance products is a product operated by a different insurance company. 12. The method of claim 11,
Further comprising an inquiry processing unit for setting a rider for at least one of the detected insurance products and calculating a premium for each of the detected insurance products based on the personal information, the inquiry condition, and the set rundle. 15. The method of claim 14,
Wherein the inquiry processing unit determines whether or not the insured person can acquire the insured for the detected insurance commodity based on the personal information, the inquiry condition,
The insurance calculation of the inquiry processing unit and the comparison display of the design information of the comparison display unit are performed for the insurance product determined to be acceptable by the insured of the detected insurance products. 16. The method of claim 15,
Wherein the inquiry processing unit and the comparison display unit update the design information with respect to at least one of the insurance products when at least one of the inquiry conditions or the at least one of the insurance products is changed. 12. The method of claim 11,
Wherein the communication unit sends design information for each of the insurance products to at least one of SMS and e-mail. 12. The method of claim 11,
And a commodity subscription unit for, when the communication unit receives a subscription request for at least one of the insurance products, proceeding to a series of subscription procedures for at least one of the insurance commodities in response to the subscription request. 12. The method of claim 11,
Wherein the design information further includes feedback information of the subscriber for each of the insurance products.

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