KR101662383B1 - Method and apparatus for providing insurance sales information - Google Patents

Abstract

The present invention relates to a method and an apparatus for providing insurance product sales information, and a method for providing insurance product sales information, the method comprising: receiving data on insurance product sales by organization from one or more terminals Calculating a sales risk score for each organization based on the data, and determining a sales risk grade based on the calculated score.

Description

METHOD AND APPARATUS FOR PROVIDING INSURANCE SALES INFORMATION

The present invention relates to a method and an apparatus for providing insurance product sales information.

In recent years, insurance sales have diversified from traditional sales to home shopping, telemarketing, online sales, bancassurance, etc., and financial institutions selling financial products sell 'unsafe sales' Concerns about damage are rising.

Examples of unsecured sales include: assuring investment principal or rate of return, non-factual judgment data, forecasting material that does not present a source of information to the investor, or knowing something that has a significant negative impact on the value of the fund There is also a description of the important contents including the act of selling without notifying the investor in advance, and the subordinate clause at the time of contract concluding.

According to the Korea Consumer Agency, an analysis of 1,000 cases of insurance-related injuries shows that 24.9% of the cases were damaged by incomplete sales. Moreover, it is becoming more problematic that most consumers are aware of incomplete sales and raise problems after the period of legal cancellation.

Also, in the case of an incomplete sale of an insurance product, it is difficult for the seller to manage the insurance product as a whole because individual correspondence is made between the seller and the customer. The seller did not prepare an indicator for objectively evaluating incomplete sales beforehand, and it was common to carry out after sales management after sales.

Such post-management has a problem that not only a lot of costs are incurred but also the reliability of the seller and the image can be damaged.

It is an object of the present invention to provide an insurance product sales information providing apparatus and method, which can constantly monitor and immediately check an incomplete insurance sales area terminal / branch office to solve the above problems.

Another object of the present invention is to provide a diagnostic status for insurance sales at a high level.

Another object of the present invention is to provide a method of objectively monitoring the level of risk at the regional level or branch level by performing a monitoring of a comprehensive viewpoint from a partial monitoring of some items.

A method for providing insurance product sales information according to an embodiment of the present invention includes the steps of receiving data on insurance product sales by organization from one or more terminals and storing the data in a database, Determining a sales risk class based on the calculated score, assigning a predetermined identifier according to the sales risk class, and providing the connected terminal with the sales risk information including the identifier .

The insurance sales information providing apparatus according to an embodiment of the present invention includes a communication unit that receives data on sales of insurance products by organization from one or more terminals, a storage unit that stores the score calculation table for each data and item, Is applied to the score calculation table to calculate a score for a sales risk for each organization, a sales risk class is determined, a predetermined identifier is assigned according to the sales risk class, and sales risk information including the identifier And a control unit for controlling the communication unit and the storage unit to provide the control unit.

According to the embodiment of the present invention, an objective indicator can be used to diagnose a sales risk occurring in the field in advance.

In addition, there is an effect that it is possible to construct a monitoring system for immediate monitoring of the local terminal / branch and an immediate inspection system for red light signals.

In addition, monitoring of comprehensive viewpoints eradicates the inflow of incomplete sales contracts, induces fair competition by blocking the insolvency factors, raises awareness of full sales at the sales site, and improves practicality It is effective.

1 is a network configuration diagram of an insurance product sales information providing system according to an embodiment of the present invention.
2 is a block diagram of an insurance product sales information providing apparatus according to an embodiment of the present invention.
FIG. 3 is a flowchart for explaining insurance product sales information provision according to an embodiment of the present invention.
4 is a diagram illustrating a score calculation table for each item according to an embodiment of the present invention.
5 is a view illustrating a main screen provided by an insurance product sales information providing apparatus according to an embodiment of the present invention.
6 is a view illustrating a main screen provided by an insurance product sales information providing apparatus according to another embodiment of the present invention.
7 is a view illustrating a detailed information screen of risk information of a terminal according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

1 is a network configuration diagram of an insurance product sales information providing system according to an embodiment of the present invention. Referring to FIG. 1, an insurance product sales information providing system according to an embodiment of the present invention may include at least one terminal 100, a communication network 190, and an insurance product sales information providing apparatus 200.

The terminal 100 is a computer type terminal used by an employee of an insurance company. The terminal 100 is capable of communicating with a personal computer, a mobile phone, a tablet computer, a notebook computer, or the like, receiving user input, And can be implemented in the form of a terminal capable of outputting data in the form of a signal. The insurer's employees are Compliance Operations Part Managers (including Compliance Managers) and sales managers.

The terminal 100 functions as an information transfer function for transferring information on insurance product sales to the insurance product sale information providing apparatus 200. [ In addition, the terminal 100 provides an information output function of outputting a risk diagnosis result on insurance product sales provided by the insurance product sales information providing device 200 to the user. Some of the terminals 100 may perform either an information transfer function or an information output function, or may perform both functions.

The insurance product sales information providing apparatus 200 diagnoses the risk of insurance product sales using the information input through the terminal 100 and provides the terminal 100 with the diagnosis result that is the risk diagnosis, that is, the sales risk information .

Sales risk information can be provided at business unit / regional unit / branch unit so that it can be confirmed at a glance.

The terminal 100 and the insurance product sales information providing apparatus 200 are connected through the communication network 190 and display an arbitrary part of the information acquired from the insurance product sale information providing apparatus 200 on the screen.

The communications network 190 may be implemented using secure internal private wireline and wireless communications, TCP / IP, or any other communications technology currently in use or in the future.

The terminal 100 may access the insurance product sale information providing apparatus 200 through an interface provided directly by the insurance product sale information providing apparatus 200 or may use a separate web server or a separate application server The insurance sales information providing apparatus 200 may be accessed through the interface provided. When the terminal 100 approaches the insurance product sale information providing device 200 through the interface directly provided by the insurance product sale information providing device 200, the insurance product sale information providing device 200 may access the insurance product sale information providing device 200, . In this case, the configuration of the web server / application server included in the insurance product sale information providing apparatus 200 may be referred to as an interface module. The interface module may serve as a web server / application server described later.

The terminal 100 can access the insurance product sales information providing apparatus 200 through the web server. The user accesses the web server through the web browser of the terminal 100, and can then perform necessary operations such as input of necessary information, information request, and information confirmation through the web interface.

If an application server is used instead of a web server, a separate protocol may be used instead of the web protocol. A user accesses an application server through a separate application installed in the terminal 100, and then inputs necessary information, requests information, and confirms information through an interface provided by the application and the application server.

2 is a block diagram of an insurance product sales information providing apparatus 200 according to an embodiment of the present invention.

Referring to FIG. 2, the insurance product sales information providing apparatus 200 according to an embodiment of the present invention may include a control unit 210, a communication unit 220, and a storage unit 230.

The communication unit 220 can receive information related to insurance sales from the terminal 100. In addition, the communication unit 220 can provide arbitrary information to the terminal 100 under the control of the control unit 210. [

The control unit 210 controls the overall operation of the insurance product sales information providing apparatus 200. In particular, the control unit 210 diagnoses the risk for insurance product sales using the information input from the terminal 100 and the score calculation table for each item stored in the storage unit 230, and stores the sales risk information for notifying the diagnosis result .

The sales risk information may include an identifier corresponding to the risk grade.

The control unit 210 provides the generated sales risk information to the connected terminal 100.

The terminal 100 that has obtained the sales risk information can process the sales risk information on the screen or display the information on the screen. For example, when the terminal 100 acquires the identifier given according to the sales grade from the insurance product sales information providing device 200, the controller 100 checks the color corresponding to the identifier and displays an image in the form of a traffic light in which the checked color is turned on .

The storage unit 230 stores information received from the terminal 100 and stores information necessary for diagnosing the risk of insurance product sales, for example, a score calculation table for each item, Diagnosis results can be saved. The storage 230 may be implemented as a physically separate storage device, e.g., a database server. In this case, the communication unit 220 may communicate with the storage unit 230 to acquire necessary data from the storage unit 230, and transmit the generated data to the storage unit 230 to store the data.

Specific operations of the components of the insurance product sales information providing apparatus 200 will be described later in detail with reference to FIG. 3 to FIG.

FIG. 3 is a flowchart for explaining insurance product sales information provision according to an embodiment of the present invention.

Referring to FIG. 3, the communication unit 220 receives data on insurance product sales from the terminal 100 (S100).

The communication unit 220 transmits the received data to the storage unit 230. In another embodiment, the data may be obtained from information stored in other storage spaces.

The storage unit 230 stores the data in the database. The storage unit 230 may sort the data by organization, vendor, and period.

The control unit 240 calculates the risk score for insurance product sales risk for each organization for a certain period of time using the data stored in the storage unit 230 and the score table for each item stored in advance (S110). The risk score calculated through the itemized score calculation table can be used as an objective indicator of the risk of insurance product sales.

4 is a diagram illustrating a score calculation table for each item according to an embodiment of the present invention. Referring to FIG. 4, an item for diagnosing the risk of insurance product sales is defined in a score calculation table for each item, and a risk factor calculating formula and a weight are defined for each item.

Items are classified into incomplete sales items and incomplete sales information items. Incomplete sales items may include quality assurance, service calls, external complaints, withdrawal of applications, cancellation of application, incomplete sales VOC (Voice of Customer), incomplete sales note items may include personal / family contracts, It may include contracts, low efficiency contracts, two-time visit collections, insurance premiums (for example, 30,000 won) or less contracts, one-operation FC share, end-of-month contracts, and rapid contracts.

The contract item for enhancing the early warning function can be supplemented, for example, by contracting the incomplete sale contract item or by integrating it. In addition, it is possible to additionally reflect the self management items of the personal and strategic sales headquarters in order to raise the interest in the sales scene.

If we look at the risk factor calculation formula and weight defined in the detail item, first, in case of 'quality guarantee' item, divide the number of quality guarantee termination by the number of new contract, multiply by 100 and apply 6 out of 100.

In case of 'withdrawal of subscription', divide subscription withdrawals by number of new contracts, multiply by 100, and apply 4 out of 100.

In case of 'service call failure', divide the number of service call failures by the number of service call cases and multiply by 100, and apply 7 out of the 100 weight values.

In case of 'termination of compliance', 5 of 100 is applied to the number of termination of the current month.

In case of 'Incomplete VOC' item, the number of incomplete VOC sales in the previous month during the last one year's recruitment case. For example, if it is calculated in Dec. 12, 8 out of 100 will be applied to the number of contracts from December 11 to November 12.

In the case of the 'person / family contract' item, divide the number of family contracts by the number of new contracts, multiply by 100, and apply 10 out of 100.

In the case of 'ownership and family contract share' item, divide the number of contracts between family members and family members by 45, and multiply by 100 and apply 4 out of 100.

In case of 'contract share after 19:00 at the end of the month', the number of input contracts after 19:00 at the end of the month is divided by the number of new contracts, multiplied by 100, and 10 of the weighted value 100 is applied. Here, the arbitrary time 19 o'clock can be changed according to the policy.

In case of 'Rapid Contract Share' item, dividing the number of contracts concluded within one hour from the issuance of the subscription to the number of new contracts, multiply by 100 and apply 10 out of 100 of the weight.

In the case of the "2-time visit and giro contract share" item, the method of payment after the 2nd round is divided by the number of new contracts by the number of new contracts.

In the case of 'premium under 30,000 won per share', the ratio of the number of contracts with one premium under 30,000 divided by the number of new contracts is multiplied by 100, and the weighted value of 6 is applied to 100.

In the case of the "operation rate of one month last month" item, 10 of the weight 100 is applied to the value obtained by dividing the ratio of the number of activated FCs by the number of FCs and multiplying by 100.

In the case of the item 'Contracts to break down low-efficiency contracts at the end of the month', the end-of-month conversion is 450,000. Divide the ratio of FC contracts by the number of new contracts, multiply by 100, and apply 10 out of 100.

The sum of the weights of each incomplete sales item corresponds to 30% of the total weight, and the sum of the weights of each item of incomplete sales item corresponds to 70% of the total weight.

The values obtained by multiplying the calculated expressions by the weights are set to 5%, 5% to 10%, 10% to 30%, 30% to 50%, 50% to 60%, 60% to 70%, 70% %, Total of 8 sections are divided, and the top 5% is divided into 100 points and the top 10% is divided into 95 points, and each section is deducted by 10 points.

The control unit 210 determines the risk grade by dividing the risk score, which is an objective indicator, into an arbitrary interval (S120). In the embodiment of the present invention, it is divided into four grades of 'good', 'caution', 'warning', and 'bad'. For example, a score of 75.9 or more is good, a score of 70 or more is a warning, and a warning of 65 or more is a warning. A rating of less than 65 is bad.

The determined grades are given different colors according to their grades in order to improve the visibility, and the information is provided to the terminal so as to be displayed on a part of the screen of the connected terminal (S130). For example, the color of the corresponding grade can be displayed in the image of the "traffic light type" by setting green to good, yellow to orange, warning to orange, and bad to red.

For this, the control unit 210 assigns an identifier stored in advance according to the rating, and provides the terminal with the sales risk information including the identifier to the connected terminal. When the connected terminal receives the identifier, it can check the color corresponding to the identifier through the previously stored data, and display the image of the traffic light type in which the confirmed color is turned on.

In addition, the control unit 210 may further provide information on a predetermined follow-up action according to the grade.

For example, if the sales quality level is a "poor" grade point, which is the lower 1% of the company's level, "compliance check" is notified as a measure.

If the sales quality level is a "warning" grade point, which is the lower 2 ~ 6% point of the company, we will notify "self-inspection and improvement promotion" as a measure.

If the sales quality level is in the "caution" grade point, which is the lower 7 ~ 35% of the company's level, it will notify "self-inspection and training" as a measure.

If the sales quality level is a "good" grade that is less than 65% of the lower 35% of the company, no action is required and no notice is given.

5 is a view illustrating a main screen provided by an insurance product sales information providing apparatus according to an embodiment of the present invention.

When the user accesses the insurance product sales information providing apparatus through the terminal, as shown in FIG. 5, it is possible to confirm the risk information in the form of a traffic light.

The organization's or the organization's early warning status (10) can be placed in an area separate from the organization's early warning status for better visibility.

You can select an upper or lower department by double-clicking the organization name in the organization name display item (20) of the organization's early warning status. Further, it is possible to move from the traffic light display item 30 to the detail screen upon double-clicking. A detailed screen will be described later with reference to Fig.

In order to provide risk information to the main screen, the control unit 210 may provide an interface for requesting user information from the terminal 100. And information for identifying a user such as an ID or employee number for login from the interface can be received.

When the control unit 210 obtains the user identification information from the user information request interface, the control unit 210 can check at least one of the user's position, position, and job from the user information database stored in advance using the user identification information.

If the control unit 210 confirms the user's affiliation, the control unit 210 provides the terminal 100 with product sales risk information for the organization corresponding to the user's affiliation.

Table 1 shows an example of the organization according to the user's affiliation.

belong View information Branch manager / branch manager Branch sales of product risk signal Employees (head, chief) Local product sales risk signal Employees of business division (sales manager of business manager) Commodity sales risk signal of division Employees (head of division, support team leader) Headquarters product sales risk signal Others (Headquarters and individuals / Organizations other than Strategic Sales Headquarters) Warrants merchandise sales risk signal consultant Your commodity sales risk signal

For example, when the control unit 210 confirms that the login user is a consultant, the control unit 210 provides the terminal 100 with information for displaying the product sale risk information of the user in the early warning status 10. The risk information can be displayed on the main screen of the terminal connected through this information. The risk information may be, for example, an image in the form of a traffic light, and a color corresponding to the risk rating of the organization to which the user belongs may be provided in a lighted state on the traffic lights. For example, if the user is a consultant and the risk score for today's commodity sales is 80 points, the grade is "good", so a green lighted traffic light is displayed in the early warning status 10. Also, words such as "good" may be displayed together with the traffic lights.

As described above, information is displayed in the form of a traffic light in which a color corresponding to a risk grade is lighted on a traffic light image on the main screen, so that the user can intuitively grasp the risk of the product sales of the person himself or the organization to which the person is belonging.

6 is a view illustrating a main screen provided by an insurance product sales information providing apparatus according to an embodiment of the present invention.

When the user accesses the insurance product sales information providing apparatus through the terminal, as shown in FIG. 6, the risk information of the principal organization in the form of a traffic light or the risk information of the principal can be confirmed in an arbitrary area 40 of the main screen.

It is possible to move to the detailed screen by double-clicking the area 40 in which the image of the traffic light type is displayed. A detailed screen will be described later with reference to Fig.

FIG. 6 is different from FIG. 5 only in the screen configuration, and a concrete method of transmitting / receiving information between the controller 210 and the terminal 100 to implement the same is similar to that described with reference to FIG. 5, and a detailed description thereof will be omitted here.

7 is a view illustrating a detailed information screen of risk information of a terminal according to an exemplary embodiment of the present invention.

It is possible to access the detailed inquiry screen by selecting an image in the form of a traffic light shown in FIG. 5 or FIG.

As shown in FIG. 7, in the detailed inquiry screen, the grades of the entire organization, the scores, and the number of scores or the number of items can be confirmed by period.

The control unit 210 provides an interface for inquiry to the terminal 100. When an arbitrary item is selected by the terminal 100, information on the selected item is transmitted from the terminal 100 to the communication unit 220 To the control unit 210. [ The control unit 210 acquires information on the item received through the communication unit 220 from the database stored in the storage unit 230 and transmits the acquired information to the terminal 100. The terminal 100 displays the received information so that the user can obtain desired detailed information.

The terminal 100 can sort the received information according to the period, the occupancy rate, and the number of cases.

The term " part " used in this embodiment refers to a hardware component such as software or an FPGA or an ASIC, and 'part' performs certain roles. However, 'part' is not meant to be limited to software or hardware. &Quot; to " may be configured to reside on an addressable storage medium and may be configured to play one or more processors. Thus, by way of example, 'parts' may refer to components such as software components, object-oriented software components, class components and task components, and processes, functions, , Subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables. The functions provided in the components and components may be further combined with a smaller number of components and components or further components and components. In addition, the components and components may be implemented to play back one or more CPUs in a device or a secure multimedia card.

It will be understood by those skilled in the art that the present specification may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present specification is defined by the appended claims rather than the foregoing detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present specification Should be interpreted.

100: terminal
200: insurance product sales information providing device
210:
220:
230:

Claims (9)

A method for providing insurance product sales information of an information providing apparatus,
Receiving data on sales of insurance product by organization from one or more terminals;
Calculating a score of sales risk for each organization based on the data;
Determining a sales risk class based on the calculated score;
And providing sales risk information including the identifier to the connected terminal, wherein the selling risk information includes at least one of a sales price, a sales price, Providing sales risk information, the user having an operating part manager and a sales manager; And
Provide follow-up measures including compliance check, self-check, improvement promotion and education according to the above-mentioned sales risk grade. If the above-mentioned sales risk grade is bad grade, notification of compliance check is notified. Notify self-inspection and improvement promotion, and notify self-inspection and training if sales risk grade is attention grade
Lt; / RTI >
In calculating the score for the sales risk by organization,
The score is calculated by applying the data to a score calculation table for each item stored in advance,
Wherein the score calculation table for each item includes an incomplete sales item and an incomplete sales note item, the incomplete sales item and the incomplete sales note item each have a plurality of lower items,
Wherein the calculation formula and the weight are defined for each of the plurality of lower items in the item-
The incomplete sales items include subscription withdrawal, service call failure, external complaints, incomplete sales VOC (Voice Of Customer)
The above incomplete sales note items include two visits, insurance premiums of less than 30,000 contracts, one contracted financial consultant (FC) market share, month-end contracts and rapid contracts,
Wherein the identifier is information for identifying a color corresponding to the sales risk grade of the terminal, and the terminal displays an image in the form of a traffic light in which the color identified through the identifier is lit, in a part of the screen, And displaying the risk of the sales of the product of the person himself / herself and the person himself / herself in a different color to the image of the traffic light type.
delete delete delete delete A communication unit for receiving data on insurance product sales by organization from one or more terminals;
A storage unit for storing the data and the score calculation table for each item; And
Applying the data to the score calculation table to calculate a score for a sales risk for each organization, determining a sales risk grade, assigning a predetermined identifier according to the sales risk grade, Provide risk information, and provide sales risk information to the organization according to the user's affiliation including branch, regional unit, business unit, headquarters, company, and individual, and perform compliance check, If the above-mentioned sales risk grade is bad grade, it notifies the compliance check. If the sales risk grade is enterprise-wide warning grade, it notifies the self-inspection and improvement promotion. In case of the grade,
, ≪ / RTI &
Wherein the score calculation table for each item includes an incomplete sales item and an incomplete sales note item, the incomplete sales item and the incomplete sales note item each have a plurality of lower items,
Wherein the calculation formula and the weight are defined for each of the plurality of lower items in the item-
The incomplete sales items include subscription withdrawal, service call failure, external complaints, incomplete sales VOC (Voice Of Customer)
The above incomplete sales note items include two visits, insurance premiums of less than 30,000 contracts, one contracted financial consultant (FC) market share, month-end contracts and rapid contracts,
Wherein the identifier is information for confirming the color stored in the terminal in correspondence with the identifier, the terminal displays an image in the form of a traffic light in which the color identified through the identifier is lit, in a part of the screen, And displays the risk of product sales of the person himself / herself and the organization in which the person himself / herself belongs in different colors in an image in the form of a traffic light.


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