KR101604073B1 - Method and apparatus for providing insurance information using big data and computer-readable medium thereof - Google Patents

Abstract

A computer-readable medium for providing a health care insurance service in accordance with an aspect of the present invention is disclosed. Such a computer-readable medium may store instructions that cause a computer to perform the following operations. Wherein the operations include: collecting and storing competition indicator information indicative of a field-specific competition state on a predetermined time period basis; Collecting and storing the insurance payment information indicating the payout category for the insurance premium in a predetermined period; Generating first correlation information by matching stored competition indicator information and insurance benefit payment information; And generating risk management information for a predetermined time point based at least in part on the generated first correlation information.

Description

METHOD AND APPARATUS FOR PROVIDING INSURANCE INFORMATION USING BIG DATA AND COMPUTER READABLE MEDIUM THEREOF FIELD OF THE INVENTION [0001]

The present invention relates to an insurance-related invention, and more particularly, to an apparatus and a computer-readable medium for providing insurance information by utilizing big data.

Typical services that an insurance company can provide are to pay a certain amount in advance for certain events that may arise in the future of accidental accidents or illnesses, and to pay a certain amount when a contracted condition is met And provide insurance products to be paid. Among these insurance products, life insurance and non-life insurance are representative. Life insurance is an insurance that is intended to pay for the loss of life or body. Non-life insurance is the insurance that the insurer compensates for the property damage of the insured caused by the accident.

In the event that certain events defined by the insurance product to provide compensation to the insured occur more than the insurer's estimates (eg, actual mortality is higher than the predicted mortality rate) Mortality loss may occur. Therefore, various attempts have been made in the insurance industry to meet the needs of customers as much as possible and to reduce the possibility of the occurrence of a loss (ie, risk of squatting).

Along with the situation in the insurance industry, the Big Data environment, in which information can not be measured in size due to the growth of the Internet and the mobile industry, is coming. Such big data is considered to be a key resource that can secure future competitiveness of companies and the like as various types of data generated in a digital environment and a huge amount of data.

Also, extracting economically necessary value from big data can be referred to as big data technology. Utilizing Big Data can create various forms of value, such as establishing marketing strategies, optimizing processes, improving productivity and preventing fraud. Therefore, big data technology for effectively utilizing big data can be considered as a means of securing corporate competitiveness that should be considered first in the infinite competition age regardless of the type of enterprise.

Therefore, even in the insurance industry, utilization of big data can be an indispensable factor for securing the competitiveness of the company. In other words, the modern society including the insurance industry is becoming increasingly complex, and various types of business models related to big data are being created. Accordingly, in accordance with the trend of the times, there is a need to create various types of new business models related to big data under the insurance industry situation as described above.

Prior art patents related to the present application are disclosed in Publication No. 10-2004-0032385.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and is intended to generate differentiated insurance information by utilizing big data.

Furthermore, the present invention is intended to effectively manage the risk of securitization by guarantee amount according to the economic fluctuation.

In accordance with one embodiment of the present invention for realizing the above-mentioned problem, a computer-readable medium for generating insurance information is disclosed. The computer-readable medium may store instructions that cause a computer to perform the following operations. Wherein the operations include: collecting and storing competition indicator information indicative of a field-specific competition state on a predetermined time period basis; Collecting and storing the insurance payment information indicating the payout category for the insurance premium in a predetermined period; Generating first correlation information by matching stored competition indicator information and insurance benefit payment information; And generating risk management information for a predetermined time point based at least in part on the generated first correlation information.

In addition, in accordance with an embodiment of the present invention, a computer-readable medium for generating insurance information is disclosed. The computer-readable medium may store instructions that cause a computer to perform the following operations. Wherein the operations include: collecting and storing competition indicator information indicative of a field-specific competition state on a predetermined time period basis; Collecting and storing the customer identification information related to the insurance contract and the insurance claim at predetermined time intervals; Generating second correlation information by matching stored game indicator information and customer identification information; And generating the risk management information based at least in part on the second correlation information.

Also disclosed is a computer-readable medium for generating insurance information, in accordance with an embodiment of the present invention. The computer-readable medium may store instructions that cause a computer to perform the following operations. Wherein the operations include: sending an input to a server for a predetermined period of time based on the collection of insurance payment information indicating a payment indicator for each type of insurance indicator and a business index indicating a business condition; Receiving correlation information from a server by matching stored competition indicator information and stored insurance payment information; And generating risk management information for a predetermined time point based at least in part on the generated correlation information.

In addition, an apparatus for generating insurance information is disclosed, in accordance with one embodiment of the present invention. The apparatus includes: a database for collecting and storing insurance indicator information indicating a business state for each field in a predetermined period and insurance coverage information indicating a payment history for each insurance trade; And a control module that generates first correlation information by matching stored game indicator information and stored insurance payment information and generates risk management information for a predetermined time point based at least in part on the generated first correlation information, . ≪ / RTI >

Further, in accordance with an embodiment of the present invention, an apparatus for generating insurance information is disclosed. The apparatus includes: a database for collecting and storing competition indicator information indicating a field-based competition state on a predetermined time period basis, and customer identification information related to an insurance contract and an insurance claim; And a control module that generates second correlation information by matching stored game indicator information and customer identification information and generates risk management information for a predetermined time point based at least in part on the generated second correlation information .

According to an embodiment of the present invention, differentiated insurance information can be generated by utilizing big data.

In addition, the present invention can generate insurance information that can induce rational decision-making by employing big data.

Further, the present invention can predict in advance the occurrence of an insurance accident due to a business fluctuation.

Furthermore, the present invention can effectively manage the squat risk by guarantee amount according to the business fluctuation.

In addition, the present invention can increase the sales of protection products under stable risk management.

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

Various aspects are now described with reference to the drawings, wherein like reference numerals are used to refer to like elements throughout. In the following examples, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will be apparent that such aspect (s) may be practiced without these specific details. In other instances, well-known structures and devices are shown in block diagram form in order to facilitate describing one or more aspects.
Figure 1 illustrates a financial system in accordance with an embodiment of the present invention.
Figure 2 illustrates components of a server in accordance with an embodiment of the present invention.
Figure 3 illustrates information or data stored in a database in accordance with one embodiment of the present invention.
4 illustrates a method for generating insurance information according to another embodiment of the present invention.

Various embodiments and / or aspects are now described with reference to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will also be appreciated by those of ordinary skill in the art that such aspect (s) may be practiced without these specific details. The following description and the annexed drawings set forth in detail certain illustrative aspects of one or more aspects. It is to be understood, however, that such aspects are illustrative and that some of the various ways of practicing various aspects of the principles of various aspects may be utilized, and that the description set forth is intended to include all such aspects and their equivalents.

In addition, various aspects and features will be presented by a system that may include multiple devices, components and / or modules, and so forth. It should be understood that the various systems may include additional devices, components and / or modules, etc., and / or may not include all of the devices, components, modules, etc. discussed in connection with the drawings Must be understood and understood.

As used herein, the terms "an embodiment," "an embodiment," " an embodiment, "" an embodiment ", etc. are intended to indicate that any aspect or design described is better or worse than other aspects or designs. . As used herein, the terms 'component,' 'module,' 'system,' 'interface,' and the like generally refer to a computer-related entity and include, for example, hardware, It can mean software.

In addition, the term "or" is intended to mean " exclusive or " That is, it is intended to mean one of the natural inclusive substitutions "X uses A or B ", unless otherwise specified or unclear in context. That is, X uses A; X uses B; Or when X uses both A and B, "X uses A or B" can be applied to either of these cases. It should also be understood that the term "and / or" as used herein refers to and includes all possible combinations of one or more of the listed related items.

It is also to be understood that the term " comprises "and / or" comprising " means that the feature and / or component is present, but does not exclude the presence or addition of one or more other features, components and / It should be understood that it does not. Also, unless the context clearly dictates otherwise or to the contrary, the singular forms in this specification and claims should generally be construed to mean "one or more. &Quot;

As used herein, the terms "information" and "data" are often used interchangeably.

Figure 1 illustrates a financial system 100 in accordance with an embodiment of the present invention.

As an example, the financial system 100 herein may be a system for generating and providing insurance information.

1, the financial system 100 may be largely comprised of a server 110, a user terminal 120, an enterprise terminal 130, and a network 140 .

It should also be appreciated that the components that make up the financial system 100 shown in Figure 1 are illustrative and that only some of the components may constitute the financial system 100 or that additional components Or may be included in the system 100. For example, although not shown, the server 110 may include an Enterprise Application Integration (EAI) server, an insurance payment server, a call center server, and / or a billing server. Also, the server 110 according to an aspect of the present invention may include a call center server (not shown) so that the information and / or data collected from the server includes information and / or data collected from the call center server . As another example, the enterprise terminal 130 may be included in the user terminal 120.

The server 110 stores the communication with the user terminal 120 and the enterprise terminal 130, the identification information of the user, the contract information, the contract information, the product information, the business indicator information and the insurance payment information, It is also possible to create and store correlation and risk management information, create, distribute and store end-user applications, decide on insurance products to be designed, decide on insurance products to sell, (FC) education information, control of the intensity of insurance payment review, and recommendation information of the insurance product can be performed

The user terminal 120 can inquire various information such as communication with the server 110 and / or the enterprise terminal 130, correlation information, etc., claim insurance claims, and generate contract information for the insurance product .

The enterprise terminal 130 can perform communication with the server 110 and the user terminal 120, and the like. In addition, the enterprise terminal 130 may perform the operations performed in the server 110 described above.

In addition, the network 140 may form a channel for data communication between the server 110, the user terminal 120, and the enterprise terminal 130.

The terms "system" and "network ", as used herein, are often used interchangeably.

The systems presented here are public switched telephone network (PSTN), x digital subscriber line (xDSL), rate adaptive DSL (RADSL), multi rate DSL (MDSL), very high speed DSL (VDSL) Asymmetric DSL), High Bit Rate DSL (DSL), and Local Area Network (LAN).

In addition, the system described herein can be applied to a mobile communication system such as Code Division Multi Access (CDMA), Time Division Multi Access (TDMA), Frequency Division Multi Access (FDMA), Orthogonal Frequency Division Multiple Access (OFDMA), Single Carrier- Various wireless communication systems such as other systems may be used.

The techniques described herein may be used in other systems as well as the systems mentioned above.

The network 140 according to one aspect of the present invention may be configured without discriminating the communication modes such as wired and wireless, and may be connected to various communication networks such as a personal area network (PAN), a wide area network (WAN) . Also, the network 140 may be a known World Wide Web (WWW) or may use a wireless transmission technology used for short-distance communication such as infrared (IrDA) or Bluetooth have.

As used herein, business indicator information can encompass a comprehensive variety of indicators that can represent a comprehensive picture of the economy as a whole or a portion of the economy. For example, the competition indicator information according to one aspect of the present invention includes Harvard Index Chart information, Composite Index information, Diffusion Index (DI) information, Business Survey Index, Consumer Sentiment Index, Industry Activity Trends, Private Consumption Information, Labor Productivity Information, Monthly Monthly Information, Unemployment Rate Information and GDP Information, etc. .

Returning to Figure 1, the user terminal 120 may access the server 110 or communicate with the enterprise terminal 130 to enter into a contract for a financial instrument (e.g., an insurance instrument) , Contract information, identification information, business index information, insurance payment information, correlation information, risk management information, information on insurance products to be designed, information on insurance products to be sold, information on target customers to be targeted Information about the area to be provided, FC education information, and information about the intensity of the insurance payment review, and the like.

Such a user terminal 120 may be a user equipment, a mobile, a PC, a mobile phone, a kiosk, a cellular phone, a cellular, a cellular terminal, a subscriber unit, a subscriber station, a mobile station, a terminal, a remote station, a PDA, Any device that uses a wireless connection mechanism, such as a terminal, user agent, cellular telephone, wireless telephone, Session Initiation Protocol (SIP) telephone, wireless local loop (WLL) station, And the like, but are not limited thereto.

Such a user terminal 120 may also be referred to as any device capable of using a wired connection mechanism such as a wired facsimile, a PC with a wired modem, a wired telephone, a terminal capable of wired communication, It does not.

In a further aspect of the present invention, the user terminal 120 may be used by an insurance company employee or an insurance planner (FC). In such a case, the user terminal 120 may be referred to as an enterprise terminal 130, a window terminal, an FC terminal, or the like. The present invention will be referred to as an enterprise terminal 130.

The enterprise terminal 130 may include devices capable of using a wireless connection mechanism or a wired connection mechanism of the same or similar type as the user terminal described above.

In addition, an additional terminal by another user (for example, an employee of a company other than a financial company) other than the above-mentioned user may also be included in the user terminal 120. [

In one aspect of the present invention, the enterprise terminal 130 may refer to a terminal that can be used by those associated with a financial company, such as an insurance company (e.g., FC associated with an insurance company employee and / or the insurance company). That is, according to one aspect of the present invention, a particular terminal that is relevant to an insurance company (e.g., server 110 of an insurance company) may be referred to as enterprise terminal 130. Additionally, the enterprise terminal 130 may be included in the user terminal 120.

The enterprise terminal 130 may also be a personal computer, a mobile phone, a kiosk, a cellular phone, a cellular phone, a cellular terminal, a subscriber unit, a subscriber station, a mobile station, a terminal, Such as a cellular telephone, a wireless telephone, a Session Initiation Protocol (SIP) telephone, a wireless local loop (WLL) station, a handheld device having a wireless connection capability, a wireless modem, Or any device using a wireless connection mechanism, and the like. Further, the enterprise terminal 130 may be referred to as, but is not limited to, any device capable of using a wired connection mechanism, such as a wired fax, a PC with a wired modem, a wired telephone, .

In one aspect of the present invention, the server 110 may provide different services for each of the user terminals by the various users. That is, the user terminal used by the customer and the enterprise terminal 130 used by the financial company employee are allowed to access the specific server among the plurality of insurance company servers, respectively, according to the insurance company's policy and / Or may be limited. Alternatively, the user terminal 120 may be permitted or restricted to access specific data of the insurance company server according to the policies and / or user settings of the insurance company.

For example, in accordance with the policy of the insurance company, the enterprise terminal 130 may provide information on insurance design, verification and enrollment of financial products, identification of the customer, insurance claims, insurance claims, insurance claims, The decision to decide which insurance product to sell, the determination of the target customer group, the determination of the area to be targeted, FC Generation of training information, and adjustment of the intensity of the insured payment audit, and the like.

Also, the search result screen of the correlation information and / or the risk management information may be different on a per-action basis basis of the user terminal 120 and / or the enterprise terminal 130, depending on policies and / or user settings of the insurance company .

Alternatively, a terminal used by a customer of the user terminal 120 may only access limited data such as subscription information, contract information, customer consent or authorization related information, insurance claims, insurance payment receipt, insurance product information, and / Or may be set to be.

Furthermore, a terminal used by an insurance agent (FC) may have access to the data necessary to perform tasks such as insurance design, but may be able to access certain data (e.g., data for customers other than a particular insurance planner's customer) Access may be restricted, unlike a general enterprise terminal 130 used by a financial company employee.

In an aspect of the present invention, the server 110, the user terminal 120, and the enterprise terminal 130 can transmit and receive various information through the network 140. [

Such a variety of information may be collected and stored, for example, insurance design, identification and enrollment of financial products, identification of a customer, insurance claims, insurance payments, handling of claims, processing indicator information, Determination of insurance products to be designed, determination of insurance products to be sold, determination of target customer group, determination of target area, generation of FC education information and examination of insurance payment And control of the intensity of the signal.

The above-described information may be input via the user terminal 120 and / or the enterprise terminal 130, or may be generated by the server 110. [ The above-described information may be stored in a database of the server 110 or a computer-readable storage medium. According to an aspect of the present invention, a computer-readable storage medium may be included within the user terminal 120 and / or the enterprise terminal 130.

Such storage media may include any type of storage medium in which programs and data are stored so that they can be read by a computer system. According to one aspect of the present invention, such medium may be a ROM (Read Only Memory), a RAM (Random Access Memory), a CD (Compact Disk) -ROM, a DVD Storage devices, and the like, and may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Additionally, such media may be distributed over a system coupled to the network 140 and may store computer readable codes and / or instructions in a distributed manner.

In an embodiment of the present invention, a customer, a finance company employee, and / or an insurance agent (FC), when a particular application distributed by a particular insurance company is installed and executed in the user terminal 120 and / The server 110 can communicate with the user terminal 120 and / or the enterprise terminal 130 via the network 140 so that the user can enjoy various services.

Figure 2 illustrates components of a server in accordance with an embodiment of the present invention.

According to an aspect of the present invention, the server 110 may include a receiving module 201, a transmitting module 203, a controlling module 205, and a database 207.

The components of server 110 in FIG. 2 are exemplary and only some of the components may constitute server 110, or additional components (s) may be included in server 110 in addition to the components have.

Additionally, in accordance with an aspect of the present invention, the components shown in FIG. 2 may be components of user terminal 120 and / or enterprise terminal 130. In this case, the control module and database of the user terminal 120 and / or enterprise terminal 130 may perform at least a portion of the operations and functions of the server's control module and database, as described below. Alternatively, the receiving module of the user terminal 120 and / or the enterprise terminal 130 may receive the information and data required from the server 110. The display of the user terminal 120 and / or the enterprise terminal 130 may display information received from the server and / or generated by its control module. Alternatively, at least a portion of the components of the server 110 described below may be replaced by components of the user terminal 120 and / or enterprise terminal 130.

The receiving module 201 may receive information or data transmitted from the user terminal 120 or the enterprise terminal 130 via the network 140. [

For example, the receiving module 201 may collect or receive large data, such as competition index information and insurance payment information, from the external server (not shown), the user terminal 120 and / or the enterprise terminal 130 . Here, the external server may include a call center server. The collected or received big data may be stored in the database 207.

The collection and reception operations of the receiving module 201 may be performed in units of a predetermined period or period (e.g., month, quarter, half, or year). For example, when the predetermined period is "year ", collected or received big data such as race indicator information and insurance payment information, etc., may be grouped in" Year "

In another example, the receiving module 201 may send information (e.g., contract information, product information, customer identification information, etc.) associated with the insurance contract to an external server (not shown), a user terminal 120 and / Or via the network 140. In one embodiment,

The receiving module 201 may receive an access request message and / or an inquiry request message for various information from the user terminal 120 and / or the enterprise terminal 130.

In a further aspect of the present invention, the receiving module 201 may receive financial assets (e.g., insurance premiums) paid by the customer. Alternatively, the paid premium may be stored by a server other than the server 110 or may be processed by outsourcing.

The transmission module 203 may transmit information or data from the server 110 to the user terminal 120 or the enterprise terminal 130 via the network 140. [ The transmission module 203 may transmit a response message to the user terminal 120 or the enterprise terminal 130 in response to the request message from the user terminal 120 or the enterprise terminal 130. For example, the transmission module 203 may include feedback information (e.g., user identification information, contract information, contract information, product information, etc.) for a request for inquiry of information related to a customer's insurance payment information or risk management information Information about the insurance product to be sold, information about the customer group to be targeted, information about the area to be targeted, FC training Information on the severity of the insurance payment audit, recommendation information on the insurance product, etc.) to the user terminal 120 or the enterprise terminal 130. [

The information transmitted by the sending module 203 may include information retrieved from the database 207 if necessary. Further, the transmission module 203 may distribute an application including a user interface related to the insurance company to the user terminal 120 and / or the enterprise terminal 130.

The transmission module 203 and the reception module 201 of the server 110 can communicate with the user terminal 120 or the enterprise terminal 130 via the network 140 as described above.

In an aspect of the present invention, the sending module 203 and the receiving module 201 may communicate with other servers and the like via the network 140. [

The transmitting module 203 and the receiving module 201 may include a wired / wireless Internet module for network connection. For example, WLAN (Wireless LAN) (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) For example, a wired Internet technology may be a digital subscriber line (XDSL), a fiber to the home (FTTH), or a power line communication (PLC).

The transmitting module 203 and the receiving module 201 may transmit data to and receive data from an electronic device including a local communication module located relatively close to the server 110 including the local communication module. Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, and the like can be used as a short range communication technology.

In one aspect of the invention, the data or information collected or received via the receiving module 201 may be stored in the database 207 or transmitted to other electronic devices in the vicinity via the local communication module.

The control module 205 may control the overall operations of the server 110. [ The control module 205 may store the data received and collected by the receiving module 201 in the database 207. In addition, the control module 205 may parse the data received by the receiving module 201 to generate feedback information and the like. Generating such feedback data may be performed by retrieving the necessary information from the database 207.

In an aspect of the present invention, the control module 205 can generate the first correlation information by matching the competition indicator information and the insurance payment information corresponding to the same period, based on the collected information. Here, the first correlation information may mean information indicating whether the competition indicator information and the insurance payment information are correlated and / or matched. In addition, the competition indicator information according to an aspect of the present invention may include, but is not limited to, industry sector competition indicator information, household sector perception competition indicator information, and / or regional sector competition indicator information. In addition, the insurance money payment information may include, but is not limited to, payment information for each payment reason, payment information for each occupation, and / or payment information for each payment. That is, the control module 205 can determine the correlation between the payment of the insurance money and the game condition by collecting the information indicating the game condition and the information related to the insurance payment, and making them correspond based on the specific conditions.

The control module 205 according to an aspect of the present invention may generate risk management information for a predetermined time point based at least in part on the generated first correlation information. Here, generating the risk management information includes determining or predicting the competition indicator information indicating the competition status at a predetermined point in time, and comparing the competition indicator information with the competition indicator information at the predetermined or predicted time point in the stored competition indicator information Extracting insurance money payment information that matches the extracted competition index information based on the first correlation information, and reducing a tax loss at a predetermined point based at least in part on the extracted insurance money payment information Or to generate risk management information for increasing quarterly earnings.

In addition, the control module 205 can control the database 207 and / or the receiving module 201 to collect the collected big data (e.g., race indicator information and insurance payment information) have. Accordingly, the control module 205 can generate information (e.g., first correlation information) indicating the correlation between the competition indicator information and the insurance payment information by analyzing the collected big data. Accordingly, through the information indicating such a correlation, the control module 205 can calculate the statistical significance between the indicators of the business fluctuation of the industry and the insurance payment information (for example, the insurance payment information by guarantee category, region, Can be generated.

In one aspect of the present invention, the control module 205 collects and stores the customer identification information related to the insurance contract and the insurance claim on a predetermined period basis, and stores the stored game indicator information and the customer identification information corresponding to the same period And generate risk management information based at least in part on at least one of the first correlation information and the second correlation information. Here, the second correlation information may mean information indicating whether the competition indicator information and the customer identification information are correlated or matched. Accordingly, the control module 205 can generate information (e.g., second correlation information) indicating the correlation between the competition indicator information and the customer identification information by analyzing the collected big data. Therefore, through the information indicating such a correlation, the control module 205 can calculate the indexes of the business fluctuations of the industry and the customer identification information (for example, customer age information, customer gender information, customer family information, Information of the subscription product information).

That is, the customer identification information in this specification may include the customer's gender information, age information, local information, subscription product information, family information and / or charge amount information related to the insurance contract and the insurance claim, But is not limited thereto.

In the present specification, the risk management information may mean information for reducing the amount of loss or increasing the profit for the quarter. For example, the risk management information may include at least one of the following: determination of the insurance product to be designed, determination of the insurance product to be sold, determination of the target customer group, determination of the area to be targeted, And may include information about one. That is, in order to reduce the risk of the insurance company, the risk management information includes information such as which insurance product is to be sold at that time, which customer group is to be focused on, which region to be marketed, Or whether to strengthen the insurance payment review for the area.

Accordingly, the control module 205 according to an aspect of the present invention can generate information on risk management, marketing, and sales management for each organization by using information indicating correlation.

For example, when the economy is in a downward phase, the control module 205 determines that the amount of insurance claims for a specific insurance product (or a specific security benefit) A message (or data, command, etc.) may be generated that increases the intensity of the claim payment audit for the product. Further, when the specific insurance product is sold as a countermeasure against the loss of the specific insurance product, the control module 205 transmits a message (or data , Commands, etc.). In another example, if it is determined through analysis of the insurance payment information that matches the economic indicator information indicating a particular value, for example, that the insurance fraud crime has been increased, the control module 205 may determine that the economy At the point where indicator information is expected, a message (or data, command, etc.) may be generated to further enhance the preparation for insurance fraud crimes (for example, self-harm and accidental accidents). In addition, the control module 205 analyzes the insurance payment information corresponding to the economic indicator information, and when it is determined that the mortality rate, the retirement rate, and the unemployment rate for the specific job group are increased, the strength of the insurance money payment examination, Message. ≪ / RTI >

In addition, the control module 205 may perform control related to the retrieval and storage of the big data in the receiving module 201 and the database 207. [ For example, the control module 205 may control the receiving module 201 and the database 207 to receive and collect the big data including a plurality of predetermined keywords (e.g., three keywords). Such big data may include, for example, various data stored in the call center.

In addition, the control module 205 may determine the collection level of the big data. For example, the collection level of the big data may be classified into three types, i.e., classification of external data and internal data, classification of fixed data and unstructured data, number of predetermined keywords, capacity of data to be collected, Etc.), and the like. In addition, the control module 205 can determine the level of analysis of the big data.

Further, the control module 205 may weight the specific URL, a particular website, or a particular social media. This weight can be used to guarantee the reliability of the collected big data. That is, when a weight is set for a specific URL or the like which is a basis for collecting big data according to user setting, company strategy, etc., weighting can be given to the reliability of the big data collected from the specific URL.

In addition, the control module 205 may include information such as Harvard Index Chart information, Composite Index information, Diffusion Index (DI) information, Business Survey Index information, Based on the collected Big Data, based on the Consumer Sentiment Index information, industrial activity trend information, and / or GDP information, it is possible to generate the competition indicator information at a specific point in time (for example, current).

In a further aspect of the present invention, the control module 205 of the server 110 may generate a program associated with an application service covering insurance products. The user terminal 120 or the enterprise terminal 130 can receive and execute the corresponding application generated by the control module 205 of the server 110. [ The control module 205 may generate a message to install the application if the corresponding application is not installed in the user terminal or the enterprise terminal and may transmit the message through the transmission module 203. [ In addition, the control module 3205 may generate a message to update to a new version of the application if the corresponding application of the user equipment is an old version. In one aspect of the invention, the functions of the control module 205 described above may be implemented by an independent server (e.g., a service platform server and / or an update server, etc.) separate from the server 110.

In further aspects of the present invention, if a particular application associated with the insurance company and / or certain actions of a particular application are billed as a fee, a payment is normally made through a billing module (not shown) The application may be provided. Additionally, such a billing module may be integrated into the control module 205 of the server 110, or may be coupled with the control module 205, so that it may be operatively associated with the control module 205. Further, the functions of the billing module described above may be implemented by independent servers (e.g., a billing server and / or a payment server, etc.) separate from the server 110. [

Additionally, the server 110 may include an EAI server. Therefore, through this EAI server, the insurance company can organically integrate all the related applications within the insurance company and establish an environment to centrally integrate, manage and use necessary information. When the server 110, the payment server, the billing server, and / or the database have different platforms, these servers can be integratedly managed through the EAI server.

In one aspect of the present invention, the database 207 may be coupled with other components of the server 110. In addition, the database 207 may include one or a plurality of databases. Optionally or alternatively, a database containing part or all of the information may be located within user terminal 120 or enterprise terminal 130. In addition, the database 207 may exist independently from the server 110. In this case, the database 207 may be capable of communicating with the server 110.

In further aspects of the present invention, the database 207 stores various information needed to provide to the user terminal 120 or the enterprise terminal 130, .

In an aspect of the present invention, the database 207 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD Or XD memory), a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read- Memory, a magnetic memory, a magnetic disk, and an optical disk. In a further aspect of the present invention, the server 110 may operate in association with web storage that performs the storage function of the database 207 on the Internet.

The various embodiments described herein may be embodied in a recording medium or storage medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

For example, in accordance with a hardware implementation, the embodiments described herein may be implemented as application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs) may be implemented using at least one of field programmable gate arrays, processors, controllers, micro-controllers, microprocessors, and electrical units for performing other functions. The embodiments described herein may be implemented by the control module 207 itself.

In another example, according to a software implementation, embodiments such as the procedures and functions described herein may be implemented with separate software modules. Each of the software modules may perform one or more of the functions and operations described herein. Software code may be implemented in a software application written in a suitable programming language. The software code may be stored in the database 207 and executed by the control module 205.

3 illustrates information or data stored in the database 207 in accordance with one embodiment of the present invention.

3, in the database 207 according to an aspect of the present invention, the big data 301, the correlation information 309 and 311, and the risk management information 313 can be stored. The information or data shown in FIG. 3 is exemplary only, and additional information or data may also be stored in the database 207.

Additionally, in accordance with an aspect of the present invention, the database shown in FIG. 3 may be included in user terminal 120 and / or enterprise terminal 130. In this case, correlation information and / or risk management information may be generated through the control module of the user terminal 120 and / or the enterprise terminal 130, or correlation information and / or risk management information may be generated Or may be received from the server.

The database 207 according to one aspect of the present invention may collect information or data from the external server, the user terminal 120 and / or the enterprise terminal 130 through the receiving module 201 or directly. As described above, the database 207 (or the receiving module 201 may collect various types of data in various ways).

The information or data stored in the database 207 may include both formatted data, semi-structured data, and unstructured data.

Here, the formatted data refers to formatted data, and may include, for example, data stored in a fixed field. Also, unstructured data refers to unformatted data, and may include various data that can be obtained through a search such as, for example, an image, a moving picture, a text file, and the like. In addition, semi-structured data is not a fixed field but may include XML or HTML text as data including metadata, schema, and the like. Further, the internal data refers to data used by the users of the user terminal 120 or the enterprise terminal 130, and the external data may refer to data used by users other than the terminals 120 and 130.

The information or data stored in the database 207 may include both document data and non-document data.

Here, the document data may mean data in which the data itself can be understood by human cognitive ability. In addition, non-document data may be meaningful in a single unit, and may mean data that may have hidden meaning through a particular pattern when clustered.

The database 207 in accordance with an aspect of the present invention may be comprised of one or more subcomponents. For example, although not shown, the database 207 may include a form data collection unit, a semi-structured data collection unit, an unstructured data collection unit, an internal data collection unit, an external data collection unit, a document data collection unit, And / or a data integration unit.

3, the big data 301 collected and stored in the database 207 may include the competition indicator information 303, the insurance payment information 305 and the customer identification information 307, It does not.

In one aspect of the present invention, information or data to be secured among the big data 301 collected and stored in the database 207 may be encrypted and stored.

In one aspect of the present invention, the collected big data includes, for example, a form of metadata in units of insurance payment request unit, occupation unit, guarantee unit, user unit requesting collected data, and / Lt; / RTI > In this case, the big data can be efficiently managed by the above-mentioned unit by using the metadata.

3, utilizing the big data stored in the database 207, correlation information can be generated and stored. For example, the correlation information 309 and 311 match the competition indicator information 303 and the insurance payout information 305 with each other in a specific period unit and match the competition indicator information 303 and the customer identification information 307 It can mean matching information. These correlation information 309 and 311 may be generated by the control module 205 and stored in the database 207. [ In addition, the correlation information 309 and 311 can be stored in the form of metadata in a predetermined period.

The control module 205 can generate the risk management information 313 using the correlation information 309 and 311. [ This risk management information 313 may mean information for increasing the quarterly profit or information for reducing the quaternion loss.

The risk management information 313 may include, for example, information on the insurance product to be designed, information on the insurance product to be sold, information on the customer group to be targeted, information on the area to be targeted, and / And the like.

The risk management information 313 may also be stored in the database 207. [ The risk management information 313 may also be stored in the form of metadata in units of a specific period.

Accordingly, the control module 205 can store the business fluctuation related data such as the competition indicator information 303 collected from the receiving module 201 or the database 207 from the past to the present, By correlating and analyzing information 307, correlation information 309 and 311 can be generated with significant correlation and pattern between the two.

In addition, the control module 205 may store these correlation information 309 and 311 in the risk management information 313 (for example, information on the profit and loss management by guarantee amount according to the business cycle, Insurance profit / loss management information, and hazardous area and hazardous area segmentation management information). The above-described information may be stored in the database 207. [

4 illustrates a method for generating insurance information according to another embodiment of the present invention.

Additional steps other than those shown in FIG. 4 may also be included in one aspect of the present invention, and steps of some of the steps shown in FIG. 4 may be omitted. In addition, at least a portion of the steps illustrated in FIG. 4 may be performed by the user terminal 120 and / or the enterprise terminal 130.

Referring to FIG. 4, the server 110 according to an embodiment of the present invention collects the insurance indicator information indicating the category-specific game status and the insurance-payout information indicating the category-specific payment history for each predetermined period of time (Step 401). In addition, the server 110 may collect and store the customer identification information related to the insurance contract and the insurance claim on the basis of the competition indicator information indicating the competition state of each field and the predetermined period of time on a predetermined period basis. Here, the predetermined period may be determined based on policy of the insurance company, user setting (e.g., input from the user terminal or the enterprise terminal).

As described above, the server 110 (for example, the receiving module 201 or the database 207) may store, for example, competition indicator information indicating the competition status of each industry sector for three years, insurance payment information, Information collected every three years can be classified and stored in the database 207. Alternatively, such collected information may be stored in the database 207 as metadata, for example.

In addition, the server 110 (e. G., The control module 250), when collecting and storing the above-described information, weights the information collected from the search sources determined based on the one or more reliability algorithms, The reliability of the information can be determined. This determination of reliability can be implemented by various algorithms. That is, the reliability (or quality) of the big data can be determined by factors such as data intrinsic, accessibility, contextuality, and expressiveness. For example, implicit quality means excellence in data itself, such as accuracy, objectivity and authenticity, accessibility quality means excellence in data access environments, such as access security, and contextual quality, And contextual fitness, and expressive quality can mean clarity of data representation, such as simplicity, ease, and consistency. Additional factors for forming the reliability algorithm may further include accuracy, completeness, timeliness, and consistency.

For example, the server 110 may award scores related to reliability based on various factors described above with respect to the big data collected from all sources. In such a case, the server 110 may assign a weight related to reliability to the big data collected from a specific source (e.g., a source including a specific URL, a call center, etc.). In another example, the server 110 may weight the data including a particular wording. The server 110 may then determine the confidence in the collected information based on the scores or weights (i.e., summing the scores or weights) assigned to each factor. The server 110 may determine whether to store the collected information in the database 207 based on the determined reliability. Thus, through these operations, it is possible to optimize the capacity of the database 207 for storing vast amounts of big data.

Then, the server 110 may generate the correlation information (i.e., the first correlation information) by matching the stored competition indicator information and the stored insurance payment information (403). In addition, the server 110 may generate the correlation information (i.e., the second correlation information) by matching the stored game index and the stored customer identification information.

Various algorithms may exist in connection with generating the correlation information described above. According to an aspect of the present invention, the server 110 may be configured to provide the user with information on the competition indicator, the insurance payment information, and / or the competition indicator information (such as insurance claims, Related) customer identification information into one correlation information. Such correlation information may be stored in the database 207, for example, in a specific period unit. In another example, the server 110 stores the competition indicator information, the insurance payment information, and / or the competition indicator information and the customer identification information, which correspond to a specific event (for example, a financial crisis, . ≪ / RTI > Such correlation information can be stored in the form of metadata. The competition indicator information and the insurance payment information (and / or the customer identification information) corresponding to the same conditions (for example, a viewpoint, a country, an event, a business type and / or an area) may be included in the same correlation information.

Thus, when analyzing such correlation information, various relationships can be determined, such as the relationship between economic fluctuations and mortality, and the morbidity of various diseases.

Returning to Fig. 4, the server 110 may determine or predict 405 the competition indicator information indicating the competition status of a predetermined condition (e.g., a predetermined time, such as March 2014). Such competition indicator information can be determined or predicted based on, for example, Harvard Index Chart, Competition Composite Index, Diffusion Index, Business Performance Survey Index, Consumer Trend Index, Industrial Activity Trend Information, and GDP Information. Here, the predetermined point in time may be determined based on policy of the insurance company, user setting (for example, input from the user terminal or the enterprise terminal).

Then, the server 110 may extract the competition indicator information corresponding to the determined or predicted predetermined time (e.g., March 2014) from the stored competition indicator information (407). For example, if the competition indicator information of March 2014 has an index of 100, competition indicator information having the same or similar value as the indicator of 100 can be extracted from the competition indicator information collected and stored in the database 207 have. For example, business index information corresponding to May 2002 and August 2006 may be extracted from the database 207.

Based on the generated correlation information, the server 110 may extract insurance payment information matching with the extracted competition index information (409). Alternatively, the server 110 may extract the customer identification information matching the extracted race index information based on the generated correlation information.

That is, as described above, the correlation information can display the matching relationship between the competition indicator information and the insurance payment information (or the customer identification information). Accordingly, the server 110 searches the correlation information including the extracted competition indicator information, and transmits the insurance payment information (that is, the insurance payment information matched with the extracted competition indicator information) included in the correlation information or the customer identification Information (i.e., customer identification information matched with the extracted game indicator information).

The server 110 may then send the risk management information to reduce the amount of the tax loss at a predetermined time (e.g., March 2014), based at least in part on the extracted insurance payment information and / or the extracted customer identification information (411). For example, the server 110 may extract the insurance payment information and / or the customer identification information of the above viewpoints from the competition indicator information included in the correlation information of May 2002 and / or August 2006. Based on the information thus extracted, risk management information for reducing the number of quaternions can be generated.

That is, the server 110 can estimate or determine the insurance payment information and / or the customer identification information for March 2014, for example, by analyzing the extracted insurance payment information and / or the customer identification information. Accordingly, the server 110 can generate risk management information for managing profit and loss by insurance premium, industry, region, age group, gender, and / or job category through such prediction or decision.

The risk management information according to one aspect of the present invention may be used for determining the insurance product to be designed, the insurance product to be sold, the customer group to be targeted, the area to be targeted, Adjustment < / RTI > Such risk management information can also be used as an indicator of insurance crime prevention against, for example, a case where an economic downturn (for example, an economic crisis) is approaching a certain level or more.

The risk management information (or correlation information) may be transmitted to the user terminal 120 or the enterprise terminal 130 through the transmission module of the server 110.

In one or more exemplary implementations, the functions presented herein may be implemented in hardware, software, firmware, or a combination thereof. When implemented in software, the functions may be stored on or transmitted via one or more instructions or code on a computer readable medium. Computer-readable media includes computer storage media and communication media including any medium for facilitating transfer of a computer program from one place to another. The storage medium may be any general purpose computer or any available medium that can be accessed by a special purpose computer. By way of example, and not limitation, such computer-readable media can comprise any form of computer readable medium, such as RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, But not limited to, a general purpose computer, a special purpose computer, a general purpose processor, or any other medium that can be accessed by a particular processor. In addition, any connection means may be considered as a computer-readable medium. For example, if the software is transmitted from a web site, server, or other remote source over wireless technologies such as coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or infrared radio, and microwave, Wireless technologies such as cable, fiber optic cable, twisted pair, DSL, or infrared radio, and microwave may be included within the definition of such medium. The discs and discs used here include compact discs (CDs), laser discs, optical discs, DVDs, floppy discs, and Blu-ray discs where disc plays the data magnetically, As shown in FIG. The combinations may also be included within the scope of computer readable media.

Those skilled in the art will appreciate that the various illustrative elements, components, logical blocks, modules, and algorithm steps described above may be implemented as electronic hardware, computer software, or combinations thereof. In order to clarify the interchangeability of hardware and software, various illustrative components, blocks, modules and steps have been described in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the overall system. Skilled artisans may implement these functions in varying ways for each particular application, but such implementation decisions are not necessarily outside the scope of the invention.

The various illustrative logical blocks and modules described in connection with the present disclosure may be implemented or performed with a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, Or transistor logic, discrete hardware components, or any combination designed to implement the functions described herein. A general purpose processor may be a microprocessor; In an alternative embodiment, such a processor may be an existing processor, controller, microcontroller, or state machine. A processor may be implemented as a combination of computing devices, such as, for example, a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or a combination of such configurations.

For a hardware implementation, the various illustrative logic, logic blocks, and modules of processing units described in connection with the aspects disclosed herein may be implemented with one or more application specific integrated circuits (ASICs), digital signal processors (DSPs) Such as digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), discrete gate or transistor logic, discrete hardware components, general purpose processors, Controllers, microprocessors, other electronic units designed to perform the functions described herein, or a combination thereof. The general purpose processor may be a microprocessor, but, in the alternative, it may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented in a combination of computing devices (e.g., a DSP and a microprocessor, a plurality of microprocessors, a combination of one or more microprocessors in conjunction with a DSP core, or any other suitable configuration). Additionally, at least one processor may include one or more modules capable of implementing one or more of the steps and / or operations described herein.

In addition, various aspects or features described herein may be implemented as a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. Moreover, steps and / or operations of a method or algorithm described in connection with the aspects disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. Additionally, in some aspects, steps or acts of a method or algorithm may be present as a machine-readable medium, or as a combination of at least one or any combination of codes or instructions on a computer-readable medium, It can be integrated into computer program stuff. The term article of manufacture as used herein is intended to encompass a computer program accessible from any suitable computer-readable device or medium.

The description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features presented herein.

Claims (12)

22. A computer-readable medium,
The computer-readable medium stores instructions that cause a computer to perform the following operations:
Collecting and storing business indicator information indicating a business state of each field by a predetermined period;
Collecting and storing the insurance payment information indicating the payment details for each insurance premium in the predetermined period, the insurance money payment information including the payment information for each reason for payment and the payment information for each insurance payment;
Collecting and storing the customer identification information related to the insurance contract and the insurance claim in the predetermined time period, the customer identification information including at least one of the gender information of the customer related to the insurance contract and the insurance claim, Product information and billing information;
Generating first correlation information by matching the stored competition indicator information and the insurance payment information;
Generating second correlation information by matching the stored game indicator information and customer identification information; And
Generating risk management information for a predetermined time point based at least in part on the generated first correlation information and second correlation information, the risk management information comprising information about an insurance product to be sold and an area to be targeted Information about the intensity of the information or claim assessment;
/ RTI >
Wherein the generating of the risk management information comprises:
Determining or predicting competition indicator information at the predetermined time point;
Extracting the competition indicator information corresponding to the determined or predicted competition indicator information from the stored competition indicator information;
Extracting the insurance payment information and the customer identification information matching the extracted competition indicator information based on the first correlation information and the second correlation information; And
Generating the risk management information at the predetermined time point based at least in part on the extracted insurance payment information and the customer identification information;
/ RTI >
Computer-readable medium. delete delete The method according to claim 1,
The competition indicator information includes:
Wherein the information includes at least one of the following:
Computer-readable medium. delete The method according to claim 1,
The collecting and storing operation includes:
Determining a confidence level for the collected information by weighting information collected from a search source determined based on one or more reliability algorithms; And
Determining whether to store the collected information based on the determined reliability;
/ RTI >
Computer-readable medium. delete delete delete 22. A computer-readable medium,
The computer-readable medium stores instructions that cause a computer to perform the following operations:
Transmitting to the server an input for a competition indicator indicating a game state, insurance payment information indicating a payout category for the insurance money, and a predetermined period based on collection of customer identification information related to the insurance contract and claim; The insurance payment information includes payment information for each payment reason and payment information for each insurance payment, and the customer identification information includes at least one of gender information, age information, local information, subscription product information, Include billing information -;
Receiving the generated first and second correlation information from the server by matching the stored competition indicator information and the stored insurance payment information and matching the stored competition indicator information and the stored customer identification information; And
Generating risk management information for a predetermined time point based at least in part on the generated first and second correlation information, the risk management information comprising information on an insurance product to be sold, Includes information on the strength of the payment audit;
/ RTI >
Wherein the generating of the risk management information comprises:
Determining or predicting competition indicator information at the predetermined time point;
Extracting the competition indicator information corresponding to the determined or predicted competition indicator information from the stored competition indicator information;
Extracting the insurance payment information and the customer identification information matching the extracted competition indicator information based on the first correlation information and the second correlation information; And
Generating the risk management information at the predetermined time point based at least in part on the extracted insurance payment information and the customer identification information;
/ RTI >
Computer-readable medium. An insurance information generating apparatus comprising:
Collecting and storing business indicator information indicating a business state for each field in a predetermined period, collecting and storing insurance payment information indicating payment details for each type of insurance money in the predetermined period, and storing the insurance money payment Wherein the information includes payment information for each reason for payment and payment information for each insurance payment, and a database for collecting and storing customer identification information related to insurance contracts and insurance claims on a predetermined time period basis, The customer's gender information, age information, local information, subscription product information, and billing information associated with the contract and the claim; And
Generates first correlation information by matching the stored competition indicator information and the insurance payment information, generates second correlation information by matching the stored competition indicator information and customer identification information, and generates the first correlation information A control module for generating risk management information for a predetermined point in time based at least in part on the information and the second correlation information, the risk management information comprising information on an insurance product to be sold and an area to be targeted, Includes information on strength;
/ RTI >
Generating the risk management information by the control module comprises:
Determining or predicting competition indicator information at the predetermined time point;
Extracting the competition indicator information corresponding to the determined or predicted competition indicator information from the stored competition indicator information;
Extracting the insurance payment information and the customer identification information matching the extracted competition indicator information based on the first correlation information and the second correlation information; And
Generating the risk management information at the predetermined time point based at least in part on the extracted insurance payment information and the customer identification information;
/ RTI >
Insurance information generating device. An insurance information generating apparatus comprising:
A transmission module for transmitting to the server an input for a predetermined period of time based on the collection of customer identification information related to the insurance contract and the insurance claim, Wherein the insurance payment information includes payment information for each payment reason and payment information for each insurance payment, and the customer identification information includes at least one of gender information, age information, local information, and subscription product information related to the insurance contract and the insurance claim And billing information;
A receiving module for matching the stored competition indicator information with the stored insurance payment information, and receiving first and second correlation information respectively generated by matching the stored competition indicator information and stored customer identification information from the server; And
A control module for generating risk management information for a predetermined time point based at least in part on the generated first and second correlation information, the risk management information comprising information about an insurance product to be sold and an area to be targeted, Includes information on the strength of the claim review;
/ RTI >
Generating the risk management information by the control module comprises:
Determining or predicting competition indicator information at the predetermined time point;
Extracting the competition indicator information corresponding to the determined or predicted competition indicator information from the stored competition indicator information;
Extracting the insurance payment information and the customer identification information matching the extracted competition indicator information based on the first correlation information and the second correlation information; And
Generating the risk management information at the predetermined time point based at least in part on the extracted insurance payment information and the customer identification information;
/ RTI >
Insurance information generating device.

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