KR101668276B1 - Server, user equipment and computer program for providing complex insurance - Google Patents

Abstract

Disclosed is a computer program stored on a computer-readable medium for providing a life-cycle-specific switchable unified insurance in accordance with an aspect of the present invention. The computer program includes instructions for causing a computer to perform the following operations: extracting one or more predefined customer information parameters from the customer information of the insurer; Determining one or more insurance product factors constituting one hybrid insurance product based on the extracted one or more customer information factors; Determining whether to change the one or more insurance product factors constituting the one hybrid insurance product in response to the change of the insured person's customer information parameter; And changing or maintaining the one or more factors constituting the one hybrid insurance product based on the determination.

Description

Technical Field [0001] The present invention relates to a server, a user terminal, and a computer program for providing a hybrid insurance product,

The present invention relates to an insurance product convertible into life cycles, and more specifically, to a server, a user terminal, and a computer program for providing a hybrid insurance product.

Generally, insurance can be broadly divided into two categories: protection insurance that guarantees life and insurance against diseases and accidents, and savings insurance that invests in long-term savings and investments for the future. These insurance cover the risk of illness and accident, prepare for the economic loss of the shaken family in unpredictable deaths of the family, prepare for the old age in preparation for the unprepared old age, It is a necessary safety device. However, there are cases in which various insurance policies are required in response to the necessity of various types of insurance having such a necessary condition. In general, people's insurance policies include life insurance, casualty insurance, cancer insurance, pension insurance, and auto insurance. Individual customers generally have at least one insurance policy. In joining these various types of insurance, people may have a problem of spending huge premiums against their income. As expenditure on insurance premiums is spent excessively, people will have difficulty in raising seed money, and the problem of lowering the value of money saved as a result of rising inflation rates as the amount of seed money is delayed increases.

In addition, when insurers are insured under the recommendation insurance of the insurance planner, the insurer may be recommended for the benefit of the insurance planner rather than the interests of the consumer. For example, a healthy male in his 20s may join a health insurance without reinsurance insurance or a long-term savings insurance that does not fit the purpose of short-term funding related to marriage. Additionally, it is difficult to determine the percentage of investments and guarantees in constructing portfolios that fit the insured age group.

As described above, there is a need for a single hybrid insurance product that can solve the problem of spending a large amount of premiums in preparation for importing various insurance products. In addition, there is a need to provide customized insurance products based on the insured's personal information. There is also a need in the industry to provide a single hybrid insurance product so that the guarantee and investment rate can be freely switched according to the life cycle of the insured.

The present invention is intended to provide an insurance that can freely convert the insurance and investment rates in response to the health and property formation needs based at least in part on the life cycle of the insured.

The present invention is intended to provide a single hybrid insurance product incorporating a savings function and a guarantee function.

Disclosed is a computer program stored on a computer-readable medium for providing a life-cycle-specific switchable unified insurance in accordance with an aspect of the present invention. The computer program includes instructions for causing a computer to perform the steps of: extracting a predefined customer information parameter from information of an insurer; Determining, based on the extracted customer information factor, an insurance product parameter including a guarantee factor and a savings factor for constituting one hybrid insurance product; And in response to the change of the customer information factor, determining whether to change the insurance product parameter.

According to another embodiment of the present invention, an insurance server for providing a hybrid insurance product and a convertible insurance according to a life cycle is disclosed. The server comprises: a receiving module for receiving information of an insured party; A predefined customer information factor is extracted from the information of the insured person and an insurance commodity factor including a guarantee factor and a saving factor for constituting one hybrid insurance commodity is determined based on the extracted customer information factor And a control module, responsive to the change of the customer information parameter, for determining whether to change the insurance product parameter; And a transmission module for transmitting information on the one hybrid insurance product formed by the changed insurance product parameters to the terminal of the insurer.

According to another embodiment of the present invention, an insurance server for providing a hybrid insurance product and a convertible insurance according to a life cycle is disclosed. Wherein the server groups the insurance subscribers into a plurality of groups based on the individual information of the insured member, determines health and property formation needs information corresponding to each of the grouped plurality of groups, Selecting a plurality of factors constituting one hybrid insurance product based at least in part on the formation needs information and selecting a plurality of factors constituting the one hybrid insurance product based on a change in the personal information of the insured subscriber A control module for changing parameters; And a transmission module for transmitting information on the hybrid insurance product formed by the changed plurality of factors to the insurance subscriber terminal.

According to another embodiment of the present invention, a user terminal for providing a hybrid insurance product and a convertible insurance according to a life cycle is disclosed. The user terminal comprises: an input unit for receiving insurance information of an insured person; A predefined customer information factor is extracted from the information of the insured person and an insurance commodity factor including a guarantee factor and a saving factor for constituting one hybrid insurance commodity is determined based on the extracted customer information factor And in response to the change of the customer information factor, determining whether to change the insurance product parameter; And an output unit for outputting information on the one hybrid insurance product formed of the changed insurance product parameters.

According to one embodiment of the present invention, insurance can be provided that can freely switch between insurance and investment ratios in response to health and property formation needs based at least in part on the life cycle of the insured.

According to one embodiment of the present invention, it is possible to provide a single hybrid insurance product in which a savings function and a guarantee function are integrated.

Figure 1 illustrates an overall system in accordance with an embodiment of the present invention.
Figure 2 illustrates components of a user terminal in accordance with an embodiment of the present invention.
Figure 3 illustrates components of an insurance server in accordance with an embodiment of the present invention.
4A illustrates a flowchart for a method for providing a hybrid insurance product in accordance with an embodiment of the present invention.
FIG. 4B shows a flowchart of a method for providing a hybrid insurance product according to an embodiment of the present invention.
FIG. 5 shows a flowchart of a method in which a plurality of factors constituting a hybrid insurance product according to an embodiment of the present invention are changed and maintained.
Figure 6 illustrates a flowchart of a method for providing a pool of factors configured in a hybrid insurance product in accordance with an embodiment of the present invention.
FIG. 7 shows a premium investment ratio graph according to an embodiment of the present invention.
8 shows a lifetime and pension conversion graph according to an embodiment of the present invention.
FIG. 9 illustrates a screen of a user interface that can be output from a user terminal according to an exemplary embodiment of the present invention.
FIG. 10 shows a flowchart in which a plurality of factors are changed based on the life cycle of an insured person according to an 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.

In addition, the terms "client", "customer" and "user", as used herein, are often used interchangeably. Furthermore, the terms "component" and "element ", as used herein, are also often used interchangeably.

Figure 1 illustrates an overall system 100 in accordance with one embodiment of the present invention.

1, the system 100 may comprise a user terminal 101, an enterprise terminal (not shown), a network 103, and an insurance server 105 .

According to an embodiment of the present invention, the user terminal 101 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 PDA, a remote terminal, an access terminal, a user agent, a portable device having a wireless connection capability, any device capable of using a wireless connection mechanism, such as a wireless modem, and the like.

Such a user terminal 101 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 101 may be used by an insurance company employee or an insurance planner (FC). In this case, the user terminal 101 may be referred to as an enterprise terminal, a window terminal, or an FC terminal or the like. Although not shown in the present specification, such terminals will be collectively referred to as enterprise terminals.

Such enterprise terminals 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 101 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 101. [

In one aspect of the present invention, an enterprise terminal may refer to a terminal that can be used by a financial institution such as an insurance company (e.g., FC associated with an insurance company employee and / or an insurance company). That is, according to one aspect of the present invention, a particular terminal that is relevant to an insurance company (e.g., an insurance company's server 105) may be referred to as an enterprise terminal. In addition, the enterprise terminal may be included in the user terminal 101. [

Such an enterprise terminal may also be a personal computer, a mobile phone, a cellular phone, a kiosk, a cellular phone, a cellular, a cellular terminal, a subscriber unit, a subscriber station, a mobile station, a terminal, A wireless connection mechanism, such as a PDA, a remote terminal, an access terminal, a user agent, a cellular telephone, a wireless telephone, a Session Initiation Protocol (SIP) telephone, a wireless local loop (WLL) station, But is not limited to, any device that may be used. Further, the enterprise terminal may be referred to as, but is not limited to, any device capable of using a wired connection mechanism such as a wired facsimile, a PC having a wired modem, a wired telephone, a terminal capable of wired communication,

In one aspect of the present invention, the insurance server 105 may provide different services for each of the user terminals 101 by various users. That is, the user terminal 101 used by the customer and the enterprise terminal used by the financial company employee are allowed to access the specific server among the plurality of insurance company servers according to the policy and / or the user setting of the insurance company, respectively Or may be limited. Alternatively, the user terminal 101 may be allowed 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, according to the policies of an insurance company, an enterprise terminal may be able to identify personal information, design insurance based on personal information, claim insurance, pay insurance premiums, receive insurance benefits, handle claims, , Determination of the insurance product to be sold, inquiry of the customer's consultation contents, adjustment of the intensity of the insurance payment review, and the like.

In addition, the input and output screens may be different for each execution subject unit of the user terminal 101 and / or enterprise terminal, depending on the policy and / or the user setting of the insurance company.

Alternatively, the terminal used by the customer of the user terminal 101 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, as opposed to general corporate terminals used by financial institution employees.

In an aspect of the present invention, the server 105, the user terminal 101, and the enterprise terminal can send and receive various information through the network 103. [

Such various information includes, for example, collection and storage of recommendation insurance information, insurance product confirmation and registration, confirmation of personal information, insurance claim payment, insurance payment receipt, processing of insurance claim information, business index information and insurance payment information, Correlation data between the customer consultation data, the insurance period and the number of claims, the correlation between the insurance period and the claim amount, the collection and storage of data, the determination of the insurance product to be designed, The creation of educational information, and the control of the intensity of the insured payment review.

The above-described information may be input via the user terminal 101 and / or the enterprise terminal, or may be generated by the server 105. [ The above-described information may be stored in a database of the server 105 or a computer-readable storage medium. According to an aspect of the present invention, a computer-readable storage medium may be included within user terminal 101 and / or enterprise terminal.

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. Additionally, such media may be distributed over a system coupled to the network 103, and may store computer readable codes and / or instructions in a distributed manner.

In an embodiment of the present invention, when a specific application distributed by a particular insurance company is installed and executed in the user terminal 101 and / or the enterprise terminal, the customer, financial company employee and / or insurance agent (FC) The server 105 may communicate with the user terminal 101 and / or the enterprise terminal via the network 103 so as to enjoy the services.

It should also be appreciated that the components that make up the system 100 shown in Figure 1 are illustrative and that only some of the components may constitute the system 100 or that additional components ). For example, the insurance server 105 may include an Enterprise Application Integration (EAI) server, a resultant data receiving server of an external search engine, a variable management operation server, a call center server, and / or a billing server. The insurance server 105 according to an aspect of the present invention may also include a call center server (not shown) so that information and / or data collected from the server includes information and / or data collected from the call center server can do.

The server 105 has a function of communicating with the user terminal 101 and the enterprise terminal, collecting the customer consultation data, collecting the result data of the external search engine, personal information including identification information of the insured person, Information and insurance payment information, creation, distribution and storage of terminal applications, determination of the insurance product to be designed, determination of the insurance product to be sold, adjustment of the intensity of the insurance payment review, Recommendation information generation and the like can be performed.

The user terminal 101 can perform communication with the server 105 and / or an enterprise terminal, inquire about various information, claim insurance, and generate contract information for an insurance product.

The enterprise terminal can perform communication with the server 105 and the user terminal 101, and the like. The enterprise terminal may also perform the operations performed in the server 105 described above.

In addition, the network 103 can form a channel for data communication between the server 105, the user terminal 101, and the enterprise terminal.

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

The network presented here may be a Public Switched Telephone Network (PSTN), a Digital Subscriber Line (xDSL), a Rate Adaptive DSL (RADSL), a Multi Rate DSL (MDSL), a Very High Speed DSL Asymmetric DSL, High Bit Rate DSL, and Local Area Network (LAN).

In addition, the network shown here can be classified into a Code Division Multiple Access (CDMA), a Time Division Multi Access (TDMA), a Frequency Division Multiple Access (FDMA), an Orthogonal Frequency Division Multiple Access (OFDMA), a Single Carrier- Various wireless communication systems such as other systems may be used.

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

The network 103 according to an aspect of the present invention may be configured without regard to its communication mode 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) . The network 103 may be a known World Wide Web (WWW) or may use a wireless transmission technique used for short-distance communication such as infrared (IrDA) or Bluetooth have.

According to an embodiment of the present invention, the insurance server 105 may receive personal information (customer information) of an insured person from a user terminal or the like. In addition, the insurance server 105 may generate a plurality of groups based on personal information (customer information) of the insurance subscribers received. Also, the insurance server 105 may map insurance subscribers having personal information included in the range of the personal information set defined by each of the plurality of groups to each of the plurality of groups. For example, the insurance server 105 can create a group based on the information of the insured subscribers included in the range of the personal information of the insured subscribers (for example, 20 generations, male, social yearbook, monthly income of 2.5 million won, etc.) . The personal information described here may include identification information, body measurement information, biometric measurement information, medical information, asset formation information, family information, and the like.

In addition, the insurance server 105 can extract a predefined customer information factor from the customer information of the received insurance subscriber. Herein, the customer information factor may include a customer identification information factor, an anthropometric information factor, a biometric information factor, a medical information factor, an asset formation information factor and / or a family information factor. Additionally, the customer information factor may include the customer's age, gender, occupation and / or asset information. In addition, the insurance server 105 may determine one or more insurance product factors for constituting one hybrid insurance product based on the extracted one or more customer information factors.

The insurance commodity factors described herein may include a protectability factor and / or a savings factor, wherein the protection factor is defined as (a) a guarantee to cover at least one of disease, disaster, injury, (B) a guarantee period factor for setting the guarantee period of the insurance product, (c) a payment term factor for setting the payment period of the insurance product, (d) a premium factor for determining the premium to be paid, and / Or (e) a guarantee amount factor for setting a guarantee amount corresponding to the occurrence of an insurance event. In addition, the saving factor is calculated as follows: (a) the type factor of the accumulated assets including deposits, bonds and stocks, (b) the composition ratio factor of the accumulated assets, (c) And / or (e) reserve method for determining how to use the reserve. The method (e) of the method of using the reserve may include a withdrawal, an additional payment, a conditional loan, a pension conversion and / or a lifetime conversion.

In one aspect of the present invention, the insurance server 105 determines whether or not to change the one or more insurance product parameters constituting the one hybrid insurance product in response to the change of the insured customer's information parameter And based on the determination, change or maintain the one or more factors constituting the one hybrid insurance product.

In a further aspect of the present invention, the insurance server 105 may map customers to a plurality of groups based at least in part on personal information (customer information). The customer information may include, for example, name, age, address, residence, occupation, family composition, and the like. For example, the insurance server 105 may collect health and property formation needs information 903 of the insured subscribers based at least in part on customer information (e.g., age information) and generate organized information. In addition, the insurance server 105 can provide the insurance company with the compound insurance product information that can be switched according to a predetermined life cycle based on the generated information. In addition, the insurance server 105 may vary a plurality of factors for the hybrid insurance product to which the insured person subscribes according to a predetermined life cycle.

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

2, the user terminal 101 accesses the insurance server 105 and obtains information such as personal information, health and property formation needs information 903, proposal information, customer financial status, and group information / RTI > Also, the user terminal 101 and / or the enterprise terminal may enter into a contract for a financial product (e.g., an insurance product), or may enter into a contract for an insurance product information, contract information, contract information, personal information, Information about the insurance product, etc. may be referred to, and the generation or generation may refer to all kinds of devices that can be stored.

The components of the user terminal 101 may include an input unit 201, a control unit 203, a reception unit 205, a transmission unit 207, an output unit 209, and a data base unit 211 according to an embodiment of the present invention .

In one aspect of the present invention, the user terminal 101 and / or the enterprise terminal accesses the insurance server 105 or communicates with the variable-entitlement management server to acquire customer information (e.g., identification information, body measurement information, , Medical information, asset formation information, family information, etc.). Also, the user terminal 101 and / or the enterprise terminal may enter into a contract for a financial product (e.g., an insurance product), or may enter into a contract for the insurance product information, contract information, contract information, identification information, , Variable investment return information, special account management information, information on the designed insurance product, and the like.

The user terminal 101 may include an input unit 201 according to an aspect of the present invention. The input unit 201 may input personal information of the insured person. Personal information of the insured person is omitted because it has been described above. Also, the input unit 201 may input request data of the insurance subscriber. For example, the input unit 201 may change the policy of the insured person, change the contractual contents of the insured person, withdraw the policy, lend the contract, add the insurance premium, change the insurance product factor (s), change the pension, You can enter information. In addition, the input unit 201 may input the financial status, health and property formation needs information 903 of the insured member, and the like.

The user terminal 101 and / or the enterprise terminal may include the control unit 203 according to an embodiment of the present invention. In addition, the control unit 203 may analyze the personal information, the insurance subscription information, the health and property formation information 903, and the like received from the insurance server 105 to the receiving unit 205 and store the analyzed information in the database unit 211 . Also, the control unit 203 may calculate the comparison data based on the data stored in the data base unit 211. For example, the control unit 203 may generate and store data that compares the information of the previous compound insurance product with information of the changed compound insurance product. Also, the control unit 203 may generate the feedback information based at least in part on the personal information of the insured subscriber. The feedback information may include guarantee asset information, savings asset information, rate of return information, and the like. Also, the feedback information generated by the control unit 205 may be transmitted from the transmission unit 203 to the insurance server 105. In addition, the control unit 205 may store the generated feedback information in the database unit 209. Also, the control unit 205 may calculate the comparison data based on the feedback information stored in the database unit 209. For example, the control unit 205 can compare the previous feedback information with the current feedback information to quantify the asset status of the insured subscriber. For example, the control unit 205 may generate the asset formation numerical value in the form of graph data for the insured subscriber.

In an aspect of the present invention, the user terminal 101 and / or the enterprise terminal may include a receiving unit 205. The receiving unit 205 can transmit / receive data using the insurance server 105 and the network 103. [ Also, the receiving unit 205 may include a call center server, a variable health insurance operation server except for the insurance server 105, and a combination thereof. In addition, it can send / receive to and from the server and other devices and servers described above. For example, the receiving unit 205 may receive external body measurement data including height, weight, waist circumference, and hip circumference. In addition, the receiving unit 205 may receive internal body measurement data including heart rate, respiration, body temperature, moisture state, and blood pressure. The biometric information and the body measurement information can receive information transmitted from a personal healthcare device and a hospital server.

The user terminal 101 may include a transmitter 207 according to an embodiment of the present invention. In addition, the transmission unit 207 receives, from the user terminal 101 via the network 103, The user information can be transmitted to the server and the terminal.

As described above, the user terminal 101 and / or the receiving unit 205 and the transmitting unit 207 of the enterprise terminal can communicate with the insurance server 105 via the network 103. [ The receiving unit 205 and the transmitting unit 207 can communicate with other servers through the network 103. [

The receiving unit 205 and the transmitting unit 207 may include a wired / wireless Internet module for connection to the network 103. 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 receiving unit 205 and the transmitting unit 207 may transmit data to and receive data from an electronic device including a short distance communication module and located relatively close to the insurance server 105. 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 an aspect of the present invention, the data or message received via the receiving unit 205 may be stored in the database unit 211, or may be transmitted to other electronic devices in the vicinity via the local communication module.

According to an embodiment of the present invention, the user terminal 101 includes an output unit 209 capable of outputting user information. The output unit 209 may be a liquid crystal display. Accordingly, the user terminal 101 can output information about the user's personal information and the recommended insurance product on the liquid crystal display screen. In addition, the user terminal 101 can be controlled by touching the liquid crystal screen. Also, the output unit 109 can output the data generated by the control unit 203. In addition, the output unit 209 can output information analyzed in the insurance server 105, such as personal information, insurance subscription information, health and property formation information 903 received by the receiving unit 205, and the like. The output unit 209 may output the comparison data generated based on the data stored in the data base unit 211. For example, the output unit 209 may output data of a comparison between the information of the previous compound insurance product and the information of the changed compound insurance product. Also, the output unit 209 may output the feedback information generated based at least in part on the private information of the insurance subscriber. The description of the feedback information is omitted because it has been described above. In addition, the output unit 209 may output data showing the asset formation value of the insured person in a graph form.

In an aspect of the present invention, the database unit 211 may be connected to the user terminal 101 and / or other components of the enterprise terminal. In addition, the database unit 211 may include one or a plurality of databases. Optionally or alternatively, a database portion 211 containing part or all of the information may be located in the user terminal 101 and / or the enterprise terminal. Also, the database unit 211 may exist independently from the user terminal 101 and / or outside the enterprise terminal. In this case, the database unit 211 may be connected to the user terminal 101 and / It is possible to communicate with the terminal.

In an aspect of the present invention, the database unit 211 may include a flash memory type, a hard disk type, a multimedia card micro type, a card type memory A random access memory (SRAM), a random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) A magnetic disk, a magnetic disk, an optical disk, or the like. In a further aspect of the present invention, the user terminal 101 may operate in association with a web storage that performs the storage function of the database module 211 on the Internet.

Figure 3 illustrates components of an insurance server in accordance with an embodiment of the present invention.

The server according to an aspect of the present invention may include not only a general insurance server but also a call center server, a result data receiving server of an external search engine, a Speech To Text (STT) server, and a combination thereof.

According to an aspect of the present invention, the server 105 may include a receiving module 301, a controlling module 303, a transmitting module 305, and a database module 307.

The components of server 105 in FIG. 3 are exemplary and only some of the components may constitute server 105, or additional components (s) may be included in server 105 in addition to the components have.

Additionally, in accordance with an aspect of the present invention, the components shown in Figure 3 may be components of user terminal 101 and / or enterprise terminal. In this case, the control module 303 and the database module 307 of the user terminal 101 and / or the enterprise terminal perform the operations and functions of the control module 303 and the database module 307 of the server At least part of which can be performed. Alternatively, the receiving module of the user terminal 101 and / or the enterprise terminal may receive information and data required from the server 105. [ The display of the user terminal 101 and / or the enterprise terminal 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 105 described below may be replaced by components of the user terminal 101 and / or enterprise terminal.

In a further aspect of the present invention, the receiving module 301 may collect and / or receive information related to insurance (e.g., hybrid insurance information, insured customer information, etc.) from an external server over the network 103. In addition, the receiving module 301 may receive an access request message and / or a request message for various information from the user terminal 101.

The receiving module 301 may collect or receive big data such as customer information and consultation data for a plurality of the insured subscribers from the internal and external server, the user terminal 101 and / or the enterprise terminal. Here, the external server may include a call center server, a variable management operation server, a hospital server, a STT server, a result data server of an external search engine, and / or a VOC server. The collected or received big data may be stored in the database module 307. [

In one aspect of the invention, the insurance server 105 may include an STT server that recognizes a human voice conversation, such as an STT converter, an STT converter, an STT conversion engine, and converts it to text data (I. E., ≪ / RTI > transformed) the software or hardware system. This STT server may be replaced by the receiving module 301, replaced by the control module 303, or replaced by the database module 307. Further, this STT server may be included in the insurance server 105 or may exist independently as an external server.

In an aspect of the present invention, the receiving module 301 may receive a predetermined period or period (e.g., day, week, month, quarter, half, or year). For example, if the predetermined period is "days ", user information including the user ' s health data may be stored in the database module 307 in units of days. Thus, the received user information may be evaluated, updated, and / or removed in a predetermined period of time.

The control module 303 may control the overall operations of the insurance server 105 according to an embodiment of the present invention. The control module 303 may store the data received and collected by the receiving module 301 in the database module 307. [ In addition, the control module 303 may parse the data received by the receiving module 301 to generate feedback information and the like. Generating such feedback information may be performed by retrieving the necessary information from the database module 307. [

According to one aspect of the present invention, the control module 303 is configured to extract one or more customer information factors from the customer information of the insured subscribers, and to extract one or more customer information factors Determining the insurance commodity factor and determining whether to change the one or more insurance commodities constituting the one hybrid insured item in response to the change in the insured customer's information parameter of the insured person, , It is possible to change or maintain the one or more factors constituting the one hybrid insurance product.

According to an embodiment of the present invention, the control module 303 may group the customer information of the collected insured subscribers into one or more groups. Specifically, the grouping is an operation of grouping based on at least partly the customer information of the collected insured subscribers, wherein the grouping includes grouping the individual information to propose a hybrid insurance product corresponding to customer information of the collected insured subscribers Grouping.

According to an embodiment of the present invention, the customer information for the plurality of insurance subscribers may include at least one of identification information, body measurement information, biometrics measurement information, medical information, asset formation information, and family information . Additionally, the anthropometric data may include external body measurement data including height, weight, waist circumference, and hip circumference. The biometric data may also include internal body measurement data including heart rate, respiration, body temperature, water status and blood pressure. In addition, the health data may further include other data. Such health data may include various kinds of data and is not limited to the above-mentioned data.

More specifically, the customer information of the insured subscribers may include changed information based on the life cycle. In addition, the control module 303 may store the generated feedback information in the database module 307. In addition, the control module 303 may analyze customer information, insurance subscription information, health and property formation information 903, and the like received by the insurance server 105 and store the information in the database module 307. Also, the control module 303 may calculate the comparison data based on the data stored in the database module 307. [ In addition, the control module 303 may generate feedback information based at least in part on the personal information of the insured party. The feedback information may include guarantee asset information, savings asset information, rate of return information, and the like. The feedback information generated by the control module 303 may be transmitted from the transmission module 305 to the user terminal 101 and / or the enterprise terminal. In addition, the control module 303 may store the generated feedback information in the database module 307. Also, the control module 303 may calculate the comparison data based on the feedback information stored in the database module 303. For example, the control module 303 may compare the previous feedback information with the current feedback information to quantify the asset status of the insured subscriber. For example, the control module 303 may generate the asset formation numerical value in the form of graph data for the insured subscriber.

In a further aspect of the present invention, the sending module 305 of the insurance server 105 may send the feedback information analyzed by the control module 303 to the user terminal 101 and / or the enterprise terminal based on the user information . In an aspect of the present invention, the sending module 305 may send a response message to the user terminal 101 and / or the enterprise terminal in response to the user's request message (e.g., an access request message). That is, the transmission module 305 transmits feedback information (for example, insurance payment information and variable rate of return information, current asset information, etc.) to the inquiry request of the insurance subscriber to the user terminal 101 and / To the terminal. Further, the transmission module 305 may distribute an application including a user interface related to the insurance company to the user terminal 101 and / or the enterprise terminal.

In a further aspect of the present invention, the database module 307 stores various information needed to provide to the user terminal 101 and / or the enterprise terminal, and stores the requested information in response to the request of other components in the insurance server 105 .

In an aspect of the present invention, the database module 307 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), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM) Only memory), a magnetic memory, a magnetic disk, and an optical disk. In a further aspect of the present invention, the insurance server 105 may operate in association with a web storage that performs storage functions of the database module 307 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 303 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 module 307 and executed by the control module 303. [

4A illustrates a flowchart for a method for providing a hybrid insurance product in accordance with an embodiment of the present invention.

The steps (s) of some of the steps shown in Fig. 4A may be omitted in accordance with one embodiment of the present invention. Further, the steps shown in FIG. 4 are exemplary and additional steps may also be included within the scope of the present invention.

The steps shown in FIG. 4A may be performed by the insurance server 105. FIG. For example, the method shown in FIG. 4A may be performed by HardWare of the insurance server 105 or by the OS itself. In addition, some or all of the methods shown in FIG. 4A may be implemented or generated by the insurance server 105 to implement this by the user terminal 101 receiving the computed or generated information.

The steps described below in accordance with a further aspect of the present invention may also be performed by the user terminal 101. [

As shown in FIG. 4A, the insurance server 105 may group the insured subscribers into a plurality of groups based on personal information of the insured subscribers (401). Personal information of the insured subscribers will be omitted because they have been described above. For example, the insurance server 105 may include a first group (for example, men in their 20s and 30s, an annual salary of 2400 to 28 million won), a second group (for example, men in their 30s, (For example, between 3,000 and 35 million won), a third group (for example, 40 to 50 males and 4,000 to 50 million won), and a fourth group (for example, 60 or more males and 30 million won). In addition, the insurance server 105 may further include a first group (e.g., a male in his 20's to 30's, an annual salary of 2400 to 28 million won-married), a first-second group (e.g., 30 years old male, annual salary 2400 ~ 28 million won - single) can be classified as. In addition, the grouping refers to creating a plurality of groups each corresponding to one or more sets of personal information having a specific range. Accordingly, the insurance subscribers having the personal information included in the range of the personal information set defined by the plurality of groups can be mapped to each of the plurality of groups. The mapping of the grouping will be described later in Fig.

According to an embodiment of the present invention, the insurance server 105 may determine health and property formation needs information 903 corresponding to each of the grouped plurality of groups (403). In addition, the health and property formation needs information 903 can be determined based on at least one of the personal information of the insured person, the accumulation information, the guarantee information, the pension information, the inheritance information, and the gift information. In addition, the insurance server 105 may generate one health and property formation needs information 903 by combining the health and property formation needs information 903 of each of the insured subscribers. For example, the insurance server 105 may store health and property formation needs information 903 (for example, marriage) of the insured members of the grouped group (for example, 20 to 30 years old, social yearbook, salary 2400 to 28 million won) 90% of funding needs, 80% of automobile housing needs, 70% of housing funding needs, 20% of retirement funding needs, 30% of business funding needs, 50% of health needs, inheritance and donation needs of 5% (For example, marriage funding needs, automobile housing needs, housing funding needs, health needs, etc.) based on the information of the health and property formation need information 903

Based on the determined health and property forming needs information 903 in accordance with an embodiment of the present invention, a plurality of factors constituting one hybrid insurance product may be determined 405. For example, the insurance server 105 may calculate the health and property formation needs information 903 (for example, marriage funding needs, housing needs, health needs, automobile housing needs, etc.) Information of a plurality of factors constituting the insurance product (for example, the regular special price of 20,000 won, the special accident special insurance of 30,000 won, the reserve variable investment of 700,000 won). In addition, the hybrid insurance product may be generated based in part on at least two of life insurance, variable life insurance, CI life insurance, variable universal insurance, variable annuity insurance, annuity insurance, savings insurance and taxable qualifying savings insurance . For example, the hybrid insurance product may provide the insured with an integrated insurance product of CI full life insurance and variable universal insurance. In such a case, the hybrid insurance product can be selected as a special offer of CI insurance, and it can be integrated into a product that can expect a high profit rate by investing the accumulated reserves variable. As a further example, the insurance server 105 may be a hybrid insurance product corresponding to the health and property formation needs information of the insured person (for example, the late 30's, the annual salary 3000 to 35 million, the cancer prevention need, (For example, 50,000 won for death benefit, 50,000 won for other special benefits, 30,000 won for CI special treatment, 20,000 won for cancer special amount, and 1 million won for reserve investment).

In addition, in the hybrid insurance product, the plurality of factors may be added, removed and changed by changing the personal information of the insured person. Additional details regarding the modification of the plurality of factors will be described later in FIG.

According to an embodiment of the present invention, the insurance server 105 may provide 407 information on a plurality of factors constituting the hybrid insurance product to the user terminal 101 and / or the enterprise terminal. In addition, the insurance server 105 can transmit to servers and devices other than the above-described devices.

In addition, the steps shown in FIG. 4A may be performed by the hardware of the insurance server 105 or by the OS itself. Also, some or all of the steps shown in FIG. 4A may be implemented or generated by the insurance server 105 and by receiving the information that the user terminal 101 and / or the enterprise terminal computes or generates. In addition, some or all of the steps shown in FIG. 4A may be implemented in the user terminal 101 and / or the enterprise terminal.

FIG. 4B shows a flowchart of a method for providing a hybrid insurance product according to an embodiment of the present invention.

The step (s) of some of the steps shown in Fig. 4B may be omitted in accordance with an embodiment of the present invention. Further, the steps shown in Figure 4B are illustrative, and additional steps may also be included within the scope of the present invention. 4B are performed by the insurance server 105, the user terminal 101 can also perform the steps described in the following description of the present invention, something to do.

As shown in FIG. 4B, the insurance server 105 can extract a predefined customer information parameter from the insurance subscriber information (409). For example, the insurance server 105 obtains predefined customer information factors (e.g., age, telephone number, email address, address, family composition, occupation, salary, etc.) from various types of customer information , Age, gender, occupation and / or asset information, etc.).

Then, the insurance server 105 may determine an insurance product factor including a guarantee factor and a savings factor for constructing one hybrid insurance product based on the extracted customer information factor (411). Such customer information factors are grouped into a plurality of groups (for example, 20s, 30s, 40s, 50s, 60s, etc.), and different groups of health and property formation needs information . Therefore, determining the insurance product factor may mean determining different protection factor and saving factor depending on the group to which the customer information factor belongs.

More specifically, the insurance server 105 may pre-map, via a predetermined algorithm, one or more insurance product factors and customer information factors that can constitute the hybrid insurance product. Through such pre-mapping, the insurance server 105 can determine the insurance product factor (s) that can constitute one insurance product according to the extracted customer information factor.

For example, the insurance commodity factors described herein may include a guarantee factor and / or a savings factor.

In addition, the protection factor may include: (a) a guarantee factor to cover one or more of the following: disease, disaster, injury, death and medical care; (b) (D) a premium factor to determine the contribution to be paid, and / or (e) a guaranteed amount factor to set the amount of coverage corresponding to the occurrence of an insurance event. have.

In addition, the savings factor is calculated by dividing the total assets of the assets by the following factors: (a) the type factor of the accumulated assets including deposits, bonds and stocks, (b) , And / or (e) reserve method for determining how to use the reserve. The method (e) of the method of using the reserve may include a withdrawal, an additional payment, a conditional loan, a pension conversion and / or a lifetime conversion.

That is, one hybrid insurance product may include various factors, and through the mapping of the insurance product parameters and the customer information factors, a variable insurance product suited to the customer information can be formed.

4B, the insurance server 105 may determine whether to change the insurance product parameter in response to the change of the customer information factor (413). That is, the insurance server 105 can determine different protection factors and savings factors according to the group to which the customer information factor belongs. Additionally, the insurance server 105 may determine some of the same and some different protection factors and savings factors depending on the group to which the customer information factor belongs.

The insurance server 105 may then modify the insurance product parameter to correspond to the new group if the change in the customer information parameter is a change between groups (415). In addition, the determination of whether or not to change such an insurance product parameter and the composition of the change may be performed in one step as an integral part.

More specifically, when the change to the customer information factor exceeds a specific range and moves to another range or exceeds a specific threshold value, the insurance server 105 updates a new customer information factor (S) of the new insurance product factor (s). For example, if the customer information factor is "age" and the age range is grouped as 21-30, 31-40, 41-50, 51-60, and 61, If the age of the customer information factor changes from 30 to 31, the insurance product factor mapped to the customer information factor for the age of 31 to 40 (for example, the increased protection ratio (death benefit 50 million won -> 100 million won) Insurance premiums (50,000 won -> 100,000 won), increased coverage coverage, etc.), the existing insurance products may be automatically changed.

Therefore, as described above, since one insurance product can be automatically changed in accordance with the change of customer information, it is possible to find a plurality of insurance products (protection property, savings property) Can be completely covered. Furthermore, it is possible to design customized products through insurance products according to one aspect of the present invention, and it is possible to automatically convert and extend insurance products without inconvenience of receiving insurance money and re- There is a merit that can be achieved. That is, when the insurance product according to the embodiment of the present invention is used, for example, it is possible to design and manage the optimal financial based on the life cycle based on the customer age, It is possible for the customer to be attracted, and the customer can reduce the inconvenience of changing the insurance product individually according to the change of his / her property and health condition.

FIG. 5 shows a flowchart of a method in which a plurality of factors constituting a hybrid insurance product according to an embodiment of the present invention are changed and maintained.

Additional steps besides the steps shown in FIG. 5 may also be included in one aspect of the present invention, and steps of some of the steps shown in FIG. 5 may be omitted. In addition, at least some of the steps shown in FIG. 5 may be performed by the user terminal 101. FIG. In addition, steps (401) and (403) described above are omitted and described.

According to an embodiment of the present invention, the insurance server 105 may determine whether the change of the personal information of the insured person is a change among groups formed based on the personal information of the insured person (501). For example, the insurance server 105 judges the movement of a predetermined life cycle age group (for example, 20 to 30, 30 to 40, 40 to 50, 50 to 60, 60 or more) You can change the multiple factors that make up the hybrid insurance product.

According to a further aspect of the present invention, when the change of the personal information of the insured person is judged as a change between the groups, the insurance server 105 determines, based on the health and property formation information 903 for the changed group, A plurality of factors constituting the hybrid insurance product may be changed (505). For example, when the insured person is at the age of 29, the insurance server 105 may apply a plurality of factors of the hybrid type insurance product to a predetermined life cycle age group (30 to 40) at the age of 30 years.

In a further aspect of the present invention, the insurance server 105 may maintain a plurality of factors constituting the single hybrid insurance product when it is determined that the change of the individual information of the insured person is not a change among the groups (507). For example, when the age of the insured person is 28 years old, the insurance server 105 does not transfer the multiple factors of the hybrid insurance product because there is no movement between groups in the predetermined life cycle age group (20 to 30) It may not be changed.

According to an embodiment of the present invention, the insurance server 105 may provide information about a plurality of factors constituting the hybrid insurance product (407). The step of providing information on the plurality of factors has been described above and will be omitted.

In an aspect of the present invention, the hybrid insurance product may be composed of a plurality of factors. The above-mentioned plural factors described above are used for the calculation of the amount of the investment amount of the reserve, the type of investment of the reserve, the ratio of the reserve, the method of using the reserve, and payment of the insurance premium, the insurance premium, the accident special condition, Method, and the like. The periodic rider described here is a rider who guarantees only for a fixed period of time. For example, if you sign up for a 10-year fixed-term contract, you can guarantee it for 10 years. In this case, the premium may be lower than the guarantee rider who can receive the same guarantee by the age of 80 because the insurance premium is expired if the insurance is not granted during the 10-year guarantee period. In addition, the CI Rider is a promise to guarantee a serious disease. For example, CI rituals can be used to treat serious illnesses (eg, major cancers, major stroke, major acute myocardial infarction, etc.), major surgeries (eg, coronary artery bypass surgery, aortic aneurysmal angioplasty, heart valve surgery, Or at least 20% of 3-degree burns), a portion of the death benefit is paid in advance as medical reimbursement.

In a further aspect of the present invention, the method of using the reserve may include a withdrawal, an additional payment, a conditional loan, a pension conversion, and a lifetime conversion at the request of the insured. The above-described withdrawal is a function that allows the insured to withdraw the reserve money stored in the hybrid insurance product when necessary. The contents of the additional payment, the conditional loan, the pension conversion and the lifetime conversion will be described later with reference to FIG.

In a further aspect of the invention, the investment type of the reserve may be converted into a variable investment or savings investment for a predetermined period of time by the insured person. The variable-type investment described here refers to an investment method in which a part or all of the insurance premium of the insured person is invested in stocks or bonds, and the investment performance is distributed to the contractor according to the operation result. In addition, savings investment refers to an insurance company's interest-linked investment method, which is determined based at least in part on the benchmark interest rate, which is a benchmark in the interest rate system. In addition, the above-mentioned horticultural investment may be divided into a floating interest rate type and a fixed interest rate type. The investment type of the reserve described above will be described later in Fig.

5 may be performed by the hardware of the insurance server 105 or by the OS itself. Also, some or all of the steps shown in Fig. 5 may be implemented or generated by the insurance server 105 and may be implemented by receiving the information that the user terminal 101 and / or the enterprise terminal computes or generates. In addition, some or all of the steps shown in FIG. 5 may be implemented in user terminal 101 and / or enterprise terminal.

Figure 6 shows a flowchart of a method for providing a pool of factors configured in a hybrid insurance product in accordance with an embodiment of the present invention.

Additional steps other than those shown in FIG. 6 may also be included in one aspect of the present invention, and steps of some of the steps shown in FIG. 6 may be omitted. In addition, at least a portion of the steps shown in FIG. 6 may be performed by the user terminal 101. FIG. In addition, steps (401) and (403) described above are omitted and described.

According to an embodiment of the present invention, a pool of factors formed of at least two factors among the plurality of factors included in the hybrid insurance product based on the health and property formation need information 903 of the insured member (601). In addition, the insurance server 105 may change the applied factors as the health and property formation needs are changed based on the change of the personal information of the insured person. For example, the insurance server 105 may generate a pool of factors according to the changing needs of the insured, such as the age, monthly income, guarantee assets, marriage funds, housing funds, and retirement funds.

In accordance with an embodiment of the present invention, a pool of the composite insurance product suitable for the insured member among pools of the generated factors may be selected (603). In addition, the insurance server 105 has a policy that the insured person joins the twenties as a pool of factors constituting the hybrid type insurance product (for example, a regular special order of 10,000 won, a special special order of 20,000 won, a reserve of 500,000 won, etc.) (20,000 Won for Special Orders, 20,000 Won for Exceptional Risks, 50,000 Won for Special Benefits, 800,000 Won for Reserve, etc.) of the factors that make up the composite insurance product according to the changed needs condition.

According to an embodiment of the present invention, information on a plurality of factors constituting the hybrid insurance product may be provided (407). The description of the information on the plurality of factors has been described above and will be omitted.

In addition, the steps shown in Fig. 6 may be performed by the hardware of the insurance server 105 or by the OS itself. Also, some or all of the steps shown in Fig. 6 may be implemented or generated by the insurance server 105, by receiving information that the user terminal 101 and / or the enterprise terminal computes or generates. In addition, some or all of the steps shown in FIG. 6 may be implemented in user terminal 101 and / or enterprise terminal.

FIG. 7 shows a premium investment ratio graph according to an embodiment of the present invention.

Figure 7 is an exemplary graphical representation of the percentage of reserves and rarities based at least in part on the life cycle of the insured. Further, the hybrid insurance product may include additional investment ratios other than the investment ratios shown in FIG. 7 in an aspect of the present invention. In addition, the investment ratio of the hybrid insurance product may be omitted or at least partially omitted.

According to an embodiment of the present invention, the accumulation amount of the hybrid insurance product can be changed. In addition, the hybrid insurance product may be subject to changes in reserves that are accumulated at least partially based on the life cycle of the insured. For example, in the case of the above-mentioned hybrid insurance products, the deposit can be changed from 300,000 won per month in the 20s, 500,000 won in the 30s, 1 million won in the 40s, and 120,000 won in the 50s. In addition, the hybrid insurance product may have reserves accumulated in units of a predetermined period or period (for example, quarter, half year, year and generation). For example, when the predetermined period is "year ", the accumulation amount in which the accumulated accumulation amount is accumulated in" year "may be changed.

According to an aspect of the present invention, the insurance premium of the hybrid insurance product may vary. For example, if the above-mentioned insured person joins a hybrid insurance product in the twenties, he / she pays insurance premiums of 3,000 won for a special accident insurance premium, 2,000 won for a special accident insurance premium, and 5,000 won for a special accident insurance premium, The insurance premiums for the survivors' insurance premiums can be applied at a premium of 5,000 won for the death certificate, 2,500 won for the insurance premium for the hospital admission, and 5,500 won for the accident insurance premium. In addition, the hybrid insurance product may be determined as an updated or non-renewable product when the insured person subscribes to the hybrid insurance product at the time of insuring the insurance premium. Also, the hybrid insurance product may be changed after the insured member subscribes to the hybrid insurance product. In such a case, the premium of the protection-type special insurance may be variable as the hybrid insurance product is determined as an update-type insurance product. Or the hybrid insurance product may not have a change in the insurance premium when the insured person is designed as a non-renewable product.

In accordance with a further aspect of the present invention, the hybrid insurance product may be increased in amount based on the need for an increase in the insurance coverage in the age range of the insured. For example, the above-mentioned compound insurance product is determined as the death benefit insurance of 100 million won, the hospitalization fee of 30,000 won, and the cancer diagnosis amount of 10 million won when the insured member joins the above-mentioned compound insurance product in the 20s. , The special items may be changed to 200 million won for death benefit, 50,000 won for hospitalization fee, and 30 million won for cancer diagnosis.

According to an embodiment of the present invention, the amount of premium payment can be adjusted in the hybrid insurance product. For example, in the case of the hybrid insurance product, when the insured member joins the hybrid insurance product and the living environment becomes difficult, the premium payment amount may be reduced by excluding the reserve fund and special items except for the minimum guarantee rider. This may be the case when the insured person can not afford the economical conditions such as unemployment, overseas study, medical expenditure of the family, spending due to unforeseeable accident, illness due to illness or accident, and the like. In addition, when the economic condition of the insured person is recovered, the hybrid type insurance product can regenerate the previous guarantee condition by resetting a plurality of factors of the hybrid type insurance product.

According to a further aspect of the present invention, the insurance server 105 can perform the function of replacing the insurance premium with the reserve saved according to the request of the insured member when the insurance premium is difficult to pay. This may be the case if the economic conditions described above are not sufficient.

In a further aspect of the present invention, the insurance server 105 may receive the health status data of the insured person at the time when the protection affordance of the hybrid type insurance is increased. This is to prevent the reverse selection of the insured person. The inverse selection described here refers to the case where the insurer who does not have any special information on the health status and accident probability of the insured person worsens the insurance finances by insuring people with high probability of disease and high probability of accident. Accordingly, the insurance server 105 can request the health data for a predetermined period of time before the time of the increase of the protection privilege to prevent the reverse selection. For example, the insurance server 105 may request the health insurance data for 6 months before the increase to the insurance subscriber who increases the guarantee privilege. In addition, the insurance server 105 may transmit a message to the user terminal 101 to recommend the hospital institution and the visit screening service predetermined at the time of the increase of the insurable advantage of the insured party. For example, the insurance server 105 may request a hospital institution and a visit screening service when the insured person does not have the health data of the insured person for which the insurance special privilege is increased.

In an aspect of the present invention, the insurance server 105 may adjust the premium payment amount at the request of the insured person. This is to increase or reduce the amount of the reserve and guarantee when the insured increases or decreases its income. Also, the insurance server 105 It is possible to design a minimum reserve to provide a safeguard against the risk of reverse margins. In addition, the insurance server 105 may be configured to change the payment amount in units of a predetermined period of time. The insurance server 105 may be configured to be able to change in units of a predetermined period or period (for example, quarter, half, or year).

According to an aspect of the present invention, the insurance server 105 may increase a guaranteed amount of the guarantee privilege by paying a portion of the reserve according to a request of the insured subscriber. In addition, the insurance server 105 may allow the insurer to proceed with the increase of the guarantee privilege by paying the expenses for the amount of the guarantee special coupons that have not been paid when the insurer desires to increase the guarantee special coup. For example, the insurance server 105 may increase the amount of the hybrid insurance product (for example, the special insurance 10 million won, the special insurance fee 4000 won) that the insured member has joined for 3 years (for example, (72,000 won) as many as the number of payments (for example, 36 times) for the difference (for example, the increased special fee of 6000 won - the transfer fee of 4000 won = 2000 won). In this case, the insurance server 105 may transmit a message to the user terminal 101 indicating that a part of the paid-up deposit can be paid at a cost of increase in the protection fee.

In a further aspect of the present invention, the insurance server 105 can only be covered by the protection insurance by paying out the already paid up deposit. In this case, the insurance server 105 may further pay back or return the premium based on the payment period of the insured member. For example, when the insured person 105 joins the hybrid insurance product (for example, 20 years old, 300,000 won monthly, 150,000 won for protection, 150,000 won for the reserve fund) (For example, payment of 7 years, accumulated amount of 21 million won), the reserve money can be paid in full (for example, the amount to be paid for the protection special amount is 21.6 million won, the accumulated amount is 21 million won). In addition, the insurance server 105 may request the insured person to pay an outstanding balance. Also, if the amount of money to be paid is higher than the insurance premium to be paid, the insurance server 105 can transmit information on the remaining difference to the user terminal 101 and / or the enterprise terminal. According to a further aspect of the present invention, the insurance server 105 can remove the protection claim and maintain only the savings claim. As described above, the insurance server 105 may transmit a message to the user terminal 101 to request the health insurance data to the insurance subscriber if the insurance subscriber wishes to add a security special agreement to maintain the savings special agreement. Additional health data requests are omitted because they have been described above.

According to an aspect of the present invention, the insurance server 105 may add or remove a security special coupon according to the life cycle of the insured person. For example, the insurance server 105 may be provided with 20 guarantees (for example, a periodic special contract, a special accident claim), a guarantee for 30 generators (for example, a health special, a regular special, Health specials, and accidental specials), and guarantee coverage for those in their 50s or later (for example, death related rider, CI rider, health rider, and special rider). In addition, the insurance server 105 may set the guarantee of the hybrid insurance product in units of a predetermined period or period (for example, year, 5 year, 10 years) according to the request of the insured member. In addition, the insurance server 105 may add or remove a protection-specific rider at the request of the insured person.

In one aspect of the present invention, the insurance server 105 can replace the investment method of the reserve. For example, the insurance server 105 may set the reserve as a variable investment type when the insured is between 20 and 30. The variable investment refers to the investment method in which all or part of the insurance premium of the insured is invested in stocks or bonds, and the investment performance is distributed to the contractor according to the performance of the insurance. In this case, the insurance server 105 may determine the variable investment period in advance according to the request of the insured person. For example, if the insured subscribes to the hybrid insurance at the age of 25, he or she can select part of the reserve as a variable investment until the age of 35 years. Also, the insurance server 105 can automatically switch to a savings-type investment scheme based on at least partly the base interest rate after the variable-investment period designated by the insured person is over 35 years old. In addition, the insurance server 105 may transmit the change information to the user terminal 101 and / or the enterprise terminal when the age of the insured person becomes 35 years old. In addition, the insurance server 105 may continue to make variable investments in the reserves of hybrid insurance products even after age 35 at the request of the insured. In addition, the insurance server 105 may be configured to change the reserves of the hybrid insurance product to variable investment and savings investment in units of a predetermined period or period (for example, quarterly, semi-annual or yearly) .

In an aspect of the present invention, the insurance server 105 may receive a request from the user terminal 101 for use of the insurance subscriber's deposit. The reserve may be withdrawn, conditional, or supplementary depending on the needs of the insured. In addition, the insurance server 105 may limit the withdrawal of the reserve at a predetermined rate. For example, the insurance server 105 can make a withdrawal of 5 million won, which is 50%, when the insurance subscriber's reserve amount is 10 million won. In addition, the insurance server 105 may restrict withdrawals of hybrid insurance products in units of a predetermined period (for example, day, week, month, quarter, semester, year). In a further aspect of the present invention, the insurance server 105 may receive a request from the user terminal 101 for use in provisioning for a deposit of a hybrid insurance product. The conditional loan described here means that the reserve of the hybrid insurance product is loaned as collateral. In such a case, the reserves of the hybrid insurance product can generate the rate of return irrespective of the type of investment. For example, the insured can utilize the loan with a loan interest rate of 5% when the investment return of the hybrid insurance product is 8%. In this case, the insured can reduce the loan interest rate by 3% due to the difference between the yield of the hybrid insurance product reserve and the loan interest rate. Accordingly, the insurance server 105 can transmit the ROI to the user terminal 101 and / or the enterprise terminal when the ROI of the hybrid insurance product exceeds the loan interest rate. In addition, the insurance server 105 transmits the investment return information of the hybrid insurance product to the user terminal 101 and / or the enterprise terminal in units of a predetermined period (for example, day, week, month, quarter, .

According to a further aspect of the present invention, the insurance server 105 may receive additional payment information. The additional payment is to be paid in addition to the monthly payment to accommodate the savings need for the unexpected income of the insured. In this case, the insurance server 105 may set the payment standard for the additional payment. For example, the insurance server 105 may restrict addition of only 200% of the monthly payment amount of the hybrid insurance product. This is to prevent reverse margins of insurance companies. It is to prevent the reverse selection of policyholders to reduce the business expenses for premium payments. Also, the insurance server 105 may limit the additional payment period for the reserve of the hybrid type insurance product in units of a predetermined period (for example, month, quarter, half year, year).

8 shows a lifetime and pension conversion graph according to an embodiment of the present invention.

Figure 8 is an exemplary graphical representation of a transition to life and annuity based at least in part on the life cycle of the insured. Further, the hybrid insurance product may include additional conversion methods other than the conversion method shown in FIG. 8, in an aspect of the present invention. In addition, at least a part of the method for switching the hybrid insurance product may be omitted or omitted.

In one aspect of the present invention, the insurance server 105 can separately manage the accumulated amount and the guaranteed amount. For example, when the insured person 105 requests the accumulated amount of money in a variable investment mode, the insurance server 105 may manage the reserve of the insured person in a special account of the variable management management server. This is in order to clearly distinguish the contribution to investment performance because the investment risk of variable investment and savings investment is different. In a further aspect of the present invention, the insurance server 105 may integrate and operate the accumulated amount of the hybrid insurance product and the guaranteed amount. In this case, the accumulated amount can be used as a saving investment.

According to a further aspect of the present invention, the insurance server 105 may convert the hybrid type insurance into full life insurance when the premium payment is completed. In such a case, the insured can receive the deposit in lump sum if he / she subscribes to the non-renewal compound insurance. In addition, the above-mentioned insured person can receive only a part of the reserve when he / she subscribes to the hybrid type insurance product which is renewed. In addition, if the insured subscribes to the hybrid type insurance product that is renewed, the deposit may be collected as a lump sum. In such a case, the insured person may continue to pay for the insurance premium (for example, the renewal special offer) renewed even if the premium payment of the hybrid insurance product ends. In addition, the above-mentioned insured person is not limited to the multiple-type insurance product of renewal or non-renewal, and may only receive a lump sum or a partial amount of the reserve according to the choice of the insured person. In addition, the above-mentioned insured person can be guaranteed health rationing even if they receive the lump sum as a lump sum.

According to a further aspect of the present invention, the insurance server 105 may convert to pension insurance based on the reserve of the hybrid insurance product once the payment of premium of the insured person is completed. In such a case, the insured person can convert the reserve into a full pension if he / she subscribes to the non-renewal composite insurance product. In addition, the above-mentioned insured person may receive a portion of the reserve for the non-renewed composite insurance product as a lump sum, and convert the remaining portion into a pension. In addition, the above-mentioned insured person can convert only part of the reserve into annuity when he / she subscribes to the hybrid type insurance product which is renewed. In addition, the above-mentioned insured person can convert the full amount of the multiple-type insurance product that is the renewal to the pension. In such a case, the insured person can continue to pay for the insurance premium to be renewed (for example, the renewal insurance).

In an aspect of the present invention, the insurance server 105 may generate information on the amount of money to be paid by the insured person in the case of death and the death benefit in lump sum. For example, the insurance server 105 can generate the payment information for the insured member of 350 million won, which is the sum of the deposit of 150 million won in death and the death benefit of 200 million won. In addition, the insurance server 105 may transmit such information to the user terminal 101 and / or the enterprise terminal. The user terminal 101 described herein may be a terminal used by the insured's family members. In addition, if the insured person dies while receiving the pension, the payment information can be generated by summing the difference (difference) between the pension now received and the death benefit. According to a further aspect of the present invention, the insurance server 105 may generate the pension information to be paid to the insured's family by adding the accumulation amount and the death benefit when the insured person dies. In this case, the insurance server 105 can generate and apply information that can be paid out as a pension or insurance money according to the choice of the insured members' families. In addition, the insurance server 105 may transmit the insurance payment information to the user terminal 101 and / or the enterprise terminal.

In addition, the steps shown in FIG. 7 may be performed by the hardware of the insurance server 105 or by the OS itself. In addition, some or all of the steps shown in FIG. 7 may be implemented or generated by the insurance server 105 to implement this by the user terminal 101 receiving the calculated or generated information. In addition, some or all of the steps shown in FIG. 7 may be implemented in the user terminal 101.

FIG. 9 illustrates a screen of a user interface that can be output from a user terminal according to an exemplary embodiment of the present invention.

Since the screen shown in FIG. 9, the customer financial status, the user information, the health and property formation needs, and the grouped group data are examples according to one aspect of the present invention, It will be apparent to those skilled in the art that the present invention can be embodied within the scope of the present invention. Further, although not shown in FIG. 9, additional variables, information, and combinations thereof may also fall within the scope of the present invention.

 As shown in FIG. 9, the user terminal 101 and / or the enterprise terminal can be implemented as an application that can easily retrieve the user interface.

In a further embodiment of the invention, the computing entity described above may be implemented in an entity other than the insurance server 105 and the user terminal 101 and / or enterprise terminal (e.g., a network computing entity, etc.).

The "one screen 900 of the user interface" described below is expressed as "the user screen 900".

According to a further aspect of the present invention, when the user screen 900 is executed in an enterprise terminal, the information on the insured subscribers is classified so that information of one insured subscribers can be selected.

In one aspect of the present invention, customer financial status information 901 may be output on the user interface screen 900. The customer financing status information 901 may include information such as current assets, monthly income, living expenses, savings amount, fixed expenses, guarantee assets, and old-age assets. Also, the user screen 900 can output the changed information in real time when the insurer's financial status 901 is changed. In addition, although the user screen 900 is not shown, data in which information of insured subscribers in a state similar to that of the insured subscribers are compared may be output. For example, if the insured's customer financial status (901) (for example, age 25, social yearbook, monthly income of 2.5 million won, living cost of 700 thousand won, fixed expenditure of 500 thousand won, etc.) The comparison data of the financial status 901 (for example, age 25, monthly income of 2.3 million won, living expenses of 500 thousand won, fixed expenses of 500 thousand won, protection insurance of 120 thousand won, and old assets of 300 thousand won). The insurance server 105 may map the insured subscribers to each of the plurality of groups based at least in part on the customer financial status 901. [

In one aspect of the present invention, health and property formation needs information 903 may be input and output to the user screen 900. In addition, the insurance server 105 may store health and property formation needs information 903 of the insured person. In addition, the insurance server 105 may analyze a plurality of stored health and property forming needs information 903 to generate one health and property forming need information 903 corresponding to each age group. The insurance server 105 may generate the parameters of the convertible hybrid insurance product for each lifecycle corresponding to the respective groups based on the one health and property forming need information 903. [ In addition, the insurance server 105 may generate the parameters of the hybrid insurance product suitable for the insured person at the request of the insured person. In addition, the insurance server 105 may set factors of the hybrid insurance product corresponding to the group including the insured subscribers.

In a further aspect of the present invention, suggestion information 905 corresponding to the health and property formation needs information 903 may be input and output on the user screen 900. [ In addition, the insurance server 105 may automatically generate proposal information 905 corresponding to the health and property formation need information 903 of the insured person. In addition, the user screen 900 may be provided with the proposal information 905 based on health and property formation needs information 903 of the insured person. In this case, the insurance server 105 can generate a hybrid insurance product suitable for the insured person based on the inputted proposal information 905. [

According to a further aspect of the present invention, the insurance server 105 maps the health and property formation needs information 903 of the insured person to the health and property formation needs information 903 of the respective groups to generate group information 907 . For example, the insurance server 105 may include a group having a plurality of factors corresponding to the health and property formation information 903 of the insured person (for example, a parent's stomach cancer, a marriage fund need, a business fund need, , Special loss incurred, variable monthly investment of 1.5 million won, etc.). In addition, the insurance server 105 can map the group to the corresponding group based on the personal information of the insurance subscriber.

According to a further aspect of the present invention, the insurance server 105 may map the group including the insured subscribers based on the inputted offer information 905. [ For example, the insurance server 105 may be provided with the information 905 corresponding to the offer information 905 of the insurance subscriber (for example, the supplementary information 905 for the diabetes related addition, the extraordinary loss addition, the variable-type investment proposal, (For example, 10 million won for diabetes, 300 million won for special incentive, cancer special, monthly variable investment, etc.).

FIG. 10 shows a flowchart in which a plurality of factors are changed based on the life cycle of an insured person according to an embodiment of the present invention.

Figure 10 is an exemplary flow chart of the transition to life and annuity based at least in part on the life cycle of the insured. Further, the hybrid insurance product may include additional conversion methods other than the conversion method shown in FIG. 10, in an aspect of the present invention. In addition, at least a part of the method for switching the hybrid insurance product may be omitted or omitted.

According to an embodiment of the present invention, the insurance server 105 may generate a plurality of factors corresponding to each group based on the life cycle of the insured subscribers. For example, the insurance server 105 groups insurance groups into age groups (for example, 20 to 30, 30 to 40, 50 to 60, etc.) based on the life cycle of insured persons, Lt; RTI ID = 0.0 > a < / RTI > For example, the insurance server 105 stores health and property formation needs information of the age group (for example, preparing marriage funds in the twenties, preparing homebuyers in the mid to late 30s and health needs, (For example, earning more than 80% of 20 premiums, converting to life expectancy in the mid to late 30s and earning 60% of premiums, 40 to 50 , Adding 50% of premiums, adding death specials to the ages of 60s or older, lifetime and pension conversion, etc.), and apply them for each life cycle period. That is, the insurance server 105 may group the customer factors and map them to insurance product factors through a predetermined mapping algorithm for each grouped factor. This predetermined mapping algorithm can be generated based on health and property formation needs information by customer factors.

Furthermore, the insurance server 105 may change a plurality of factors according to a request message of a user.

According to a further aspect of the present invention, the insurance server 105 can uniformly set premiums even if a plurality of factors constituting the hybrid type insurance product are changed every lifetime period. In addition, the insurance server 105 may variably change the insurance premium of the hybrid insurance product based on changes, additions, and deletions of a plurality of factors that are changed according to a life cycle. Also, the insurance server 105 may change the insurance premium for each life cycle even when the hybrid insurance product is non-renewed. In addition, the insurance server 105 can uniformly apply and apply premiums when the hybrid type insurance product is renewed. In this case, the insurance server 105 can maintain the monthly premiums by withdrawing the updated premiums from the accumulated reserves when the hybrid type insurance product is updated and the premium is increased.

According to an embodiment of the present invention, the insurance server 105 can be grouped into groups based on personal information of the insured subscribers. For example, the insurance server 105 may change the personal information of the insured person (for example, salary of 40 million won, office worker, unmarried person) and current personal information (for example, 100 million won in annual salary, businessman, So you can change the group. In this case, the insurance server 105 may change a plurality of factors constituting the hybrid insurance product to which the insured party subscribes. In addition, the insurance server 105 may transmit information about a plurality of factors to be changed to the insured user to the user terminal 101 when the personal information of the insured person is changed and movement among the groups occurs. Also, the insurance server 105 may change and maintain a plurality of factors according to the request message of the insured subscriber.

According to a further embodiment of the present invention, the insurance server 105 generates other special items 1001, regular special items 1003, and accumulation items 1005 constituting the hybrid type insurance product in the 20th to 30th groups Recommended. In addition, the other rituals 1001 may include a special accident order, an admission special order, a special accident accident special order, a special emergency order special order, and the like. The explanation of the periodic special agreement 1003 is omitted in FIG. 6 because it has been described above with reference to FIG. Furthermore, the insurance server 105 may set the investment type of the reserve among the plurality of factors set for the group of the 20th to 30th generations as variable investment. Accordingly, the insurance server 105 may recommend the hybrid insurance product to the insured person (for example, special loss insurance, hospitalization special accident, accident accident special condition, altitude disorder special condition, reserve variable investment, etc.). In addition, the insurance server 105 may include a plurality (for example, a plurality of, for example, the 20th to 30th group) constituting the hybrid insurance product that is changed when the group To the user terminal 101 and the enterprise terminal. Also, the insurance server 105 can determine the maintenance and change of a plurality of factors constituting the hybrid type insurance product according to the response request information of the insured member. In addition, the insurance server 105 may automatically change a plurality of factors constituting the hybrid insurance product.

According to a further embodiment of the present invention, the insurance server 105 generates and provides other factors (1001), lifetime conversion and accumulation (1007) constituting the hybrid insurance product to the middle and late 30s . Also, the insurance server 105 can automatically delete the periodic special agreement 1003 when the guarantee period of the periodic special clause 1003 is terminated. In addition, the insurance server 105 may apply a new periodic agreement 1003 according to the request of the insured person. Accordingly, the insurance server 105 can transmit change information and lifetime insurance change information for a plurality of factors constituting the hybrid insurance product to the user terminal 101. [ In addition, the insurance server 105 can transmit information to the user terminal 101, which can select the investment type of the reserve as the variable investment and the savings investment. This is to provide a hybrid insurance product suitable for the health and property formation needs of the user in changing the personal information of the insured person. In addition, the insurance server 105 may transmit information on a plurality of factors constituting the hybrid insurance product to the user terminal 101 and the enterprise terminal according to the change among the groups to which the insured member belongs. The description of "maintaining and changing parameters according to response request information" to be described below will be omitted because it has been described above.

According to a further embodiment of the present invention, the insurance server 105 generates factors such as other special drugs, health specials 1009, lifetime conversion and accumulation 1007 constituting the hybrid insurance product for the 40th to 50th groups Recommended. The health benefits (1009) described herein may include a cancer special, a heart disease special, a brain disease special, a cancer admission special treatment, a surgical special condition, an accident death special condition, and the like. In addition, the insurance server 105 may automatically apply the health premium (1009). Furthermore, the insurance server 105 may determine whether to apply the service according to a request from the health special pension (1009) subscriber. Also, when the insurance server 105 selects the periodic special privilege 1003 in the latter half of the thirties, the insurance server 105 can transmit a selection message to the user terminal 101 to reset the special privilege 1003.

According to a further embodiment of the present invention, the insurance server 105 may include a guardian rider formed by a plurality of factors for other rider (s) 1001 and health rider (s) Further, the insurance server 105 may transmit a selection message to the user terminal 101, which can be changed to pension conversion and lifetime conversion 1011 in the age group 60 or later. For example, the insurance server 105 may transmit a selection message to the user terminal 101 as "pensionable conversion and lifetime conversion possible ". In addition, the insurance server 105 can receive a lump sum payment of a portion of the reserve, and convert the remaining balance to a pension. Quot; can be transmitted to the user terminal 101. The " In addition, the insurance server 105 may receive approval data or request data transmitted from the insurance subscriber at the user terminal 101 and determine the selection of the pension conversion and lifetime conversion 1011. In addition, the insurance server 105 can select and apply both the lifetime conversion and the pension conversion 1011 according to the request of the insurance subscriber.

In one aspect of the present invention, the information described below may be estimated by the insurance server 105, or may be estimated by the user terminal 101 and / or the enterprise terminal, 105 and the remaining part may be estimated by the user terminal 101 and / or the enterprise terminal. For example, when the insurance server 105 is a calculation entity, the user terminal 101 and / or the enterprise terminal can perform the function of receiving the information generated by the insurance server 105 and outputting the information. In the case where the user terminal 101 and / or the enterprise terminal are the subject of calculation, the user terminal 101 and / or the user terminal 101 may be provided on the basis of the user information in the application installed in the user terminal 101 and / The above-described information can be calculated by the control unit 205 of the enterprise terminal. Further, since basic information such as user information and / or insurance product information is stored in the user terminal 101 and / or the enterprise terminal, a process such as a simple calculation is implemented by the user terminal 101 and / or the enterprise terminal, Estimating the evaluation information and performing the recommendation can be implemented by the insurance server 105. [

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 (8)

As a method for providing an insurance product by a server,
Setting a plurality of age intervals for constituting one hybrid insurance product;
Determining, for each of the plurality of age segments, an insurance commodity parameter that includes a protection factor and a savings factor based on needs information of an insured person;
Determining whether to change the insurance commodity parameter in response to a change in the personal information of the insured subscriber at the time of changing the age range;
Lt; / RTI >
Wherein the step of determining whether to change the insurance product parameter comprises:
When the time for increasing the protection factor is increased, health information including the physical measurement information and biometric measurement information of the insured person, measured from the individual healthcare device of the insured person, is requested for a predetermined period of time from the time of the increase, Obtaining; And
Determining whether to extend the protection factor based on the health information; Containing
How the insurance product is provided by the server. The method according to claim 1,
Wherein the protection factor includes at least one of a guarantee object, a guarantee period, a guarantee amount and a premium,
Wherein the savings factor comprises at least one of an asset type, an asset composition ratio, an accumulation period, an accumulation amount,
How the insurance product is provided by the server. 3. The method of claim 2,
Wherein the assurance object includes at least one of a disease, a disaster, an injury, a death, and a medical room hand,
Wherein the asset class comprises at least one of a deposit, a bond and a stock,
How the insurance product is provided by the server. delete delete delete As an insurance server,
A receiving module for receiving information of an insured person;
Setting a plurality of age ranges for constituting one hybrid insurance product and setting insurance product parameters including a protection factor and a saving factor on the basis of the needs information of the insured for each of the plurality of age ranges A control module for determining whether to change the insurance commodity parameter in response to a change in the personal information of the insured subscriber when the age is changed; And
A transmission module for transmitting information on the one hybrid insurance product formed by the changed insurance product parameters to the terminal of the insurer;
/ RTI >
Determining whether to change the insurance product parameter,
And requests health information including the physical measurement information and biometric measurement information of the insured person measured by the individual health care device of the insured person for a predetermined period from the point of time when the increase in the protection factor is to be performed, Acquire; And determining whether to extend the protection factor based on the health information.
Insurance server. As a user terminal,
An input unit for inputting information of an insured person;
Setting a plurality of age ranges for constituting one hybrid insurance product and setting insurance product parameters including a protection factor and a saving factor on the basis of the needs information of the insured for each of the plurality of age ranges A controller for determining whether to change the insurance commodity parameter in response to a change in the personal information of the insured subscriber at the time of changing the age range; And
An output unit for outputting information on the one hybrid insurance product formed by the changed insurance product parameters;
/ RTI >
Determining whether to change the insurance product parameter,
And requests health information including the physical measurement information and biometric measurement information of the insured person measured by the individual health care device of the insured person for a predetermined period from the point of time when the increase in the protection factor is to be performed, Acquire; And determining whether to extend the protection factor based on the health information.
User terminal.

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