KR101686972B1 - Server and user equipment for providing group insurance and method thereof - Google Patents

Abstract

A method of operating a group insurance product is disclosed. The method of operating the group insurance product includes: opening a group insurance based on at least one customer information; Accumulating a part of the insurance premiums of the subscribers as a joint fund when the number of subscribers of the group insurance is equal to or greater than a predetermined standard; And setting a usage criterion for the joint fund; . ≪ / RTI >

Description

TECHNICAL FIELD [0001] The present invention relates to a server, a user terminal, and a method for providing a group insurance product,

The present invention relates to an insurance product, and more particularly, to a server, a user terminal, and a method for providing a group insurance product through recommendation of an acquaintance.

Recently, as the use of portable electronic devices has expanded due to the development of software and semiconductor and information processing technologies, financial companies are also making efforts to develop products and provide services through portable electronic devices. For example, there is an environment in which direct contracts between insurance consumers and insurance companies can be made through the network.

Korean Patent Publication No. 2003-0053243 describes the contents of the online insurance claim system.

As information is easily transferred through electronic devices using the network, information sharing among customers is also becoming easier. Therefore, various industrial groups are trying to find ways to encourage customers to voluntarily promote and recommend products, rather than directly promoting products from the company. This allows the company to reduce business expenses and return some of the savings to the customer.

Accordingly, there is a demand in the industry for an insurance product that can be easily subscribed through introduction or recommendation of an acquaintance.

At the same time, there is a need in the industry to confirm the transparent operation of the insurance premium paid by the insured.

A problem to be solved by an embodiment of the present invention is to provide a server, a user terminal, and a terminal for providing group insurance products capable of increasing the number of insured persons by making it possible to utilize incentives provided to insurance planners as a joint fund for group insurance members And to provide a computer program.

Another object of the present invention is to provide a system and method for providing a group insurance product that can guarantee transparent use by seeking consent of members of a group insurance product when operating an incentive-added joint fund, And to provide a computer program.

According to an embodiment of the present invention, a method of operating a group insurance product is disclosed. The method of operating the group insurance product includes: opening a group insurance based on at least one customer information; Accumulating a part of the insurance premiums of the subscribers as a joint fund when the number of subscribers of the group insurance is equal to or greater than a predetermined standard; And setting a usage criterion for the joint fund; . ≪ / RTI >

According to an embodiment of the present invention, a financial server is disclosed. Wherein the financial server comprises: a group insurance opening module for opening a group insurance based on at least one customer information; An accumulation module for accumulating a portion of the insurance premiums of the subscribers as a joint fund when the number of subscribers of the group insurance is greater than a predetermined standard; A co-fund setting module for setting a usage criterion of the co-fund; An incentive determination module for determining an incentive to be provided to an existing subscriber related to the new subscriber when a new subscriber is added to the group insurance; And a consent receiving module for receiving one or more consents of the subscribers for use of the community fund when an event occurs that meets the criteria for use of the community fund.

The server, the user terminal, and the computer program for providing the group insurance product according to the present invention can increase the number of insured persons by making the incentive provided to the insurance agent be utilized as a joint fund for the group insurance members.

The server, the user terminal, and the computer program for providing the group insurance product according to the present invention can guarantee transparent use by obtaining the consent of the members of the group insurance product when operating the joint fund with the incentive added.

Various aspects are now described with reference to the drawings, wherein like reference numerals are used to refer to like elements throughout. In the following examples, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will be apparent that such aspect (s) may be practiced without these specific details. In other instances, well-known structures and devices are shown in block diagram form in order to facilitate describing one or more aspects.
1 illustrates a block diagram of a financial server and a customer terminal according to an embodiment of the present invention and an exemplary block diagram in which various aspects of the present invention may be implemented.
Figure 2 shows a flow chart of an exemplary method for providing group merchandise in accordance with an embodiment of the present invention.
Figure 3 shows a flow chart of an exemplary method for use of a community fund in accordance with an embodiment of the present invention.
4 illustrates a flowchart of an exemplary method for determining an incentive according to an acquaintance recommendation in accordance with an embodiment of the present invention.
Figure 5 illustrates a flowchart of an exemplary method of operating a pooled fund through grouping in accordance with an embodiment of the present invention.
FIG. 6 is a conceptual diagram of a group insurance product 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;

In addition, the terms "group insurance product" and "group insurance ", as used herein, are often used interchangeably. In addition, as used herein, the terms "customer subscribed to group insurance products", "group insured customers", "group insured", "group insured customers" and "group insurance members" Can be used. Further, the terms "customer "," subscriber ","user",and" member ", as used herein, are often used interchangeably. In addition, the terms "data" and "information ", as used herein, are often used interchangeably.

1 illustrates a block diagram of a financial server and a customer terminal according to an embodiment of the present invention and an exemplary block diagram in which various aspects of the present invention may be implemented.

The financial server 110 may include a communication module 111, a memory module 113, and a control module 115. The components shown in FIG. 1 are not essential, and a financial server 110 having more or fewer components may be implemented.

The communication module 111 of the financial server 110 according to an aspect of the present invention can connect the customer terminal 100 and the financial server 110 via a wire / wireless communication system.

In addition, the communication module 111 may receive the group insurance product subscription information from the customer terminal 100 according to an embodiment of the present invention. Furthermore, the communication module 111 can receive the joint fund payment request occurrence information from the customer terminal 100. [ The above-described information is merely an example, and various information other than the subscription application information and the joint fund payment request event occurrence information may be included in the present invention. In addition, the information that the communication module 111 can receive includes the recommended customer information provided from the customer who is registered in the group insurance product.

Further, the communication module 111 may receive the customer's group insurance product subscription information from an external server, according to a further embodiment of the present invention. Alternatively, the public fund payment request event occurrence information may be received from the external server by the communication module 111.

For this purpose, the communication module 111 of the financial server 110 may include a wired / wireless Internet module for connection to the network 120.

For example, WLAN (Wireless LAN) (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) As another example, a digital subscriber line (XDSL), a fiber to the home (FTTH), and a power line communication (PLC) may be used as the wired Internet technology.

In addition, the communication module 111 can transmit and receive data to and from an electronic device including a short-range communication module, including a short-range communication module. Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, and the like can be used as a short range communication technology.

In an aspect of the present invention, data transmitted and / or received via the communication module 111 may be processed through the control module 115.

In a further aspect of the present invention, the memory module 113 may store a program for operation of the control module 115. In addition, it may store various data provided from the user terminal 100 and / or an external server. Further, it can provide the requested data according to the request of other components.

In a further aspect of the present invention, the memory module 113 may store predetermined information for providing the group insurance product. For example, a pre-established pool fund payment condition, an event preset by the insurance company, and a preset number of customers to provide additional benefits may be stored. The above-described information is merely an example, and the memory module 113 may store various information for providing the group insurance product.

The memory module 113 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), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM) A magnetic disk, and / or an optical disk.

The program for providing the group insurance product may operate in association with a web storage that performs a storage function of the memory module 113 of the financial server 110 on the Internet.

In a further aspect of the present invention, the control module 115 may establish group insurance based on one or more customer information. Further, the control module 115 according to an embodiment of the present invention may accumulate a part of insurance premiums of the subscribers as a joint fund when the number of subscribers of the group insurance is more than a predetermined standard. In addition, the control module 115 may set a usage criterion for the community fund. This will be described later with reference to FIG. 2 and FIG.

The control module 115 according to a further exemplary embodiment of the present invention includes a group insurance opening module (not shown) for opening group insurance based on one or more customer information, (Not shown) for collecting a portion of the insurance premiums of the insurance premiums (not shown) and a joint fund setting module (not shown) for setting a usage standard for the joint funds, and when a new subscriber is added to the group insurance, (Not shown) that determines an incentive to provide to an existing subscriber, and an event that meets the usage criteria of the joint fund, receives an agreement of one or more of the subscribers for use of the joint fund (Not shown).

In addition, the control module 115 may be provided with an additional benefit providing module (not shown) for deciding to provide an additional benefit to at least one of the customers who have subscribed to the group insurance if the number of customers who have subscribed to the group insurance exceeds a predetermined number And a platform creation module (not shown) for creating a platform for information exchange between the group insurance customers and the group insurance customers.

The customer terminal 100 may include a communication module 111, an input module 103, and a display module 105. The full-featured components are not essential components of the customer terminal 100, so that a customer terminal having more or fewer components may be implemented.

The customer terminal 100 described below collectively refers to commercially available UEs such as a mobile phone, a tablet, a PDA, a notebook, a PC, and a portable multimedia device.

The communication module 111 of the customer terminal 100 may receive and / or transmit data necessary for the program for providing the group insurance product, according to an embodiment of the present invention. Further, the communication module 111 of the customer terminal 100 may include a wired / wireless Internet module for network connection.

For example, WLAN (Wireless LAN) (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) As another example, a digital subscriber line (XDSL), a fiber to the home (FTTH), and a power line communication (PLC) may be used as the wired Internet technology.

In addition, the communication module 111 can transmit and receive data to and from an electronic device including a short-range communication module, including a short-range communication module. Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, and the like can be used as a short range communication technology.

The input module 103 of the customer terminal 100 according to an embodiment of the present invention can receive general customer input. More specifically, customer information can be input from the customer through the input module 103 of the customer terminal 100. [ Additionally, group insurance subscription information may be received via the input module 103. Alternatively, a joint fund payment request event occurrence information input may be performed. Further, whether or not customer consent to the joint fund payment may be input. This will be described later with reference to FIG. 2 and FIG.

The above description is only exemplary contents according to the embodiment of the present invention, and various information for implementing the present invention can be inputted through the customer terminal 100. [

The display module 105 can output information processed by the customer terminal 100 and the financial server 110 connected to the customer terminal 100 and the network 120. [ Additionally, the display module 105 may display all information that can be displayed on the terminal.

The display module 105 may be a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display display, and a 3D display.

Additionally, the customer terminal 100 may further include a control module (not shown). Through the control module (not shown), the overall operation of the terminal can be controlled. It may also perform at least some of the roles of the financial server 110 described in the specification.

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

According to 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), field programmable gate arrays May be implemented using at least one of a processor, controllers, micro-controllers, microprocessors, and other electronic units for performing other functions. In some cases, The embodiments described may be implemented by the control module 115 itself.

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 can be implemented in a software application written in a suitable programming language. The software code may be stored in the memory module 113 and executed by the control module 115.

Figure 2 shows a flow chart of an exemplary method for providing group merchandise in accordance with an embodiment of the present invention.

Each step of the flowchart shown in FIG. 2 is not essential and some steps may be omitted or added as needed.

In accordance with one embodiment of the present invention, each of the steps presented below may be performed by the financial server 110. Also, the financial server 110 may communicate with the customer terminal 100 through the communication module 111.

According to one embodiment of the present invention, group insurance may be established based on one or more customer information (201). In accordance with a further embodiment of the present invention, when a subscription request is received from a customer, the financial server 110 may generate a group insurance product in response to the subscription request of the customer. In addition, the group insurance product may be created when the number of applicants for the insurance is more than a predetermined number.

Group insurance in this specification refers to a product that provides insurance and event coverage for each of its subscribed customers using the joint fund. In addition, customers who are already covered by group insurance can recommend group insurance products either online or offline, instead of paying the planners the incentives provided to the planners, they can be used as a joint fund for group insurance members.

Alternatively or alternatively, the incentive determined for the customer may be added to the joint fund of the group insurance product after some payment to the customer based on a predetermined ratio by the insurance company.

The above-mentioned incentives can be interchangeable with the 'introduction fee', 'introduction fee', 'subscription fee', and 'invitation fee' at an arbitrary amount provided to the customer who attracts the insured customer from the insurance company.

In addition, group insurance products may be insurance based on the same coverage. Alternatively, or alternatively, the group insurance product may be an insurance based on a different coverage. That is, the insurance product of the first customer, which is a member of the group insurance product, and the insurance product of the second customer, which is a member of the group insurance product source, may be the same coverage or different coverage.

The group insurance established in step 201 may be checked in step 203 whether the number of subscribers of the group insurance is equal to or greater than a preset reference. If the number of subscribers in group insurance is more than a predetermined standard, some of the premiums of the subscribers may be accumulated (205) as a joint fund.

Additionally, the pooled fund may be split into one or more funds, depending on the purpose of the operation. For example, it can be divided into a fund for insuring each insured customer and a fund for operating the incentive. That is, the joint fund may include funds for private insurance coverage and funds for joint event coverage.

A joint fund usage criterion for use of the joint fund accumulated through step 205 may be established (207).

That is, there may be preset criteria for operating the joint fund. In one example, there may be a condition for granting the joint fund.

The joint fund payment condition may include at least one of the number of the minimum group insurance commodity customers who agree to the joint fund payment required for each event, the payment limit of the joint fund by the event, and the payment method of the joint fund have. This will be described later.

In addition, when the number of subscribers of the group insurance is less than a predetermined standard (203), at least one of the steps 205 and 207 is not performed, and steps 205 and 207 are performed only when the number of subscribers of the group insurance exceeds a preset reference It is possible.

Figure 3 shows a flow chart of an exemplary method for use of a community fund in accordance with an embodiment of the present invention.

According to an embodiment of the present invention, the payment request event occurrence information for the pool fund may be received (301).

The event may include at least one of an insurance event, an event predetermined by the insurance company, and an event determined by a customer subscribing to the group insurance product.

An insurance event collectively refers to all events that cause a claim according to the coverage covered by the group insurance product. For example, in the case of auto insurance, liability for compensation for the occurrence of a traffic accident may be included in an insurance event.

It will be appreciated by those of ordinary skill in the art that the aforementioned insurance events should be based on the terms of the group insurance product. For example, it is assumed that there is a group insurance product that is a travel insurance policy stipulating that 'insurance will not be paid when there is a reason for the insurance payment due to war, foreign military exercise, revolution, civil war, affairs and riots' . If the group insured person is injured by a riot protester during the trip and the person is admitted to the hospital, the claim for the injury may not be included in the insurance event according to the terms of the group insurance product.

There may also be a predetermined event by the insurance company. For example, a congratulatory or incarceration event of the group member and the family member may be included. For example, the insured person's birthday may be a predetermined event by the insurance company. Alternatively, the marriage of the group insured person may be a predetermined event by the insurance company. Further, the marriage of the family member associated with the group insurer may be a predetermined event by the insurance company. Alternatively, the hospitalization and death of a family member associated with the group insurer may be a predetermined event by the insurance company. For example, the injury of the spouse of the insured person may be a predetermined event by the insurance company. To this end, the financial server may receive further information about the family associated with the group insurer from the group insured.

In addition, even if the event is not predetermined by the insurance company, the customer who subscribes to the group insurance product can generate a separate event. This is referred to as an event determined by the customer who subscribed to the group insurance product. For example, the 'first overseas trip' of at least one of the group insurance product subscribers may be an event determined by the customer who subscribed to the group insurance product. The event determined by the customer who has subscribed to the group insurance product may be determined through the consent of the group insurance product members.

The above-described events are merely an embodiment of the present invention, and various events may be included in one of the events determined by the customer who subscribed to the insurance event, the predetermined event by the insurance company, and the group insurance product.

In addition, an arbitrary customer who has obtained the consent of the customer of the group insurance product may be given an input authority related to the joint fund payment request event occurrence information. Alternatively, the input authority related to the joint fund payment request occurrence event information may be given differentially for each event. For example, an insurance event occurrence input may be received from all of the group insurance product members. On the other hand, the event occurrence input determined by the customer who subscribes to the group insurance product can be input by some of the group insurance product members. The above description is only an example according to the embodiment of the present invention, and the joint fund payment request occurrence occurrence information may be inputted by various methods.

When the joint fund payment request event occurrence information is received (301), the financial server 110 may receive an agreement for the use of the joint fund from the group insurance subscriber through step 303. Additionally, if the group insurance product customers are informed of the consent to pay the joint fund (303), then the funding may be determined through the following steps.

As described above, group insurance is a joint fund for group insurance members, instead of paying the insurance planer incentives offered to insurance planners by recommending group insurance products through online or off-line customers, It is a product that can be utilized. Accordingly, the use of the joint fund can be agreed upon by the group members, and the payment can be determined according to predetermined criteria.

That is, whether or not to accept the fund payment from the customers of the group insurance product customers received through the step 303 can be determined by judging whether or not the predetermined joint fund payment condition is satisfied through the step 305, so that the joint fund payment can proceed. Additionally, it may be determined whether to pay at least a portion of the pooled fund, based on a predetermined pooled grant condition.

According to an embodiment of the present invention, when the fund payment agreement received from the group insurance product customers satisfies the predetermined joint fund payment condition, the joint fund may be paid to the event generation object (307) . For reference, when the joint fund is paid, the predetermined joint fund payment conditions are to be complied with.

According to a further embodiment of the present invention, if the fund payment agreement received from the group insurance product customers does not meet the predetermined joint fund payment condition, the joint fund may not be paid to the event-generating subject 309).

Additionally, for payment of the pooled funds, there may be predetermined pooled payment conditions. The predetermined joint fund payment condition includes at least one of the number of the minimum group insurance commodity customers who agree to the joint fund payment required for each event, the payment limit of the joint fund by the event, and the payment method of the joint fund .

 As described above, the event may include at least one of an insurance event, an event predetermined by the insurance company, and an event determined by the customer who subscribed to the group insurance product.

That is, the number of the minimum group insurance product subscribers agreeing to the joint fund payment required for each event can be set. For example, the number of minimum group insurance product subscribers who agree to pay a joint fund when an insurance event occurs can be set. In addition, the number of minimum group insurance product subscribers who agree to pay a joint fund when an event is predetermined by the insurance company may be set. Further, the number of the minimum group insurance product subscribers who agree to pay the joint fund when an event determined by the customer who subscribed to the group insurance product may be set.

For example, when a congratulatory event related to a customer who is subscribed to the group insurance product is generated, some of the joint funds may be paid only after the consent of all the customers subscribed to the group insurance product is received. For example, when a spouse of a customer joining the group insurance product is killed, some of the funds may be paid only when the consent of all the customers subscribed to the group insurance product is received.

Additionally, depending on the type of event determined by the customer who has subscribed to the group insurance product, the number of minimum group insurance product subscription customers who agree to pay the joint fund may vary. Furthermore, the above-described set minimum payment consent may differ for each event.

According to an embodiment of the present invention, the method of agreeing to the joint funding of the event from the group insurance members may vary. For example, by receiving written consent from the above members, the joint funding can be determined. Further, consent for payment of the fund may be collected from the members through telephone calls such as an ARS (Automatic Response System) and / or an agent connection. Alternatively, a response that can be judged as "consent" such as "consent to payment", "consent" and "OK" from group insurance members, and "rejection" such as "NO", "DENY" The acceptance of the fund payment may be determined by receiving an image (e. Alternatively, a server, a user terminal, and a program for providing the group insurance product may provide a messenger to the group insurance members so as to receive a grant of funds from the members through the messenger . Additionally, the messenger may provide a voting platform for funding to intuitively grasp whether or not to agree to the funding. Alternatively, the financial server 110 may send an SMS to the group insurance members so that they can respond quickly to the funding.

According to a further embodiment of the present invention, the payment limit of the joint fund may be set for each event. For example, the payment limit of a joint fund for an insurance event may be based on a guarantee limit of the insured customer. Furthermore, the payment limit of the joint fund for a predetermined event may be set by the insurance company. The payment limit may be set by the consent of the insurance company and / or group insurance product members. This ensures that the insured's coverage for insurance coverage is guaranteed.

That is, when the insurance event included in the insurance coverage of the group insured customer is generated, the corresponding funds may be paid to the customer without consent from the group insurance product members.

As described above, the pool fund may be divided into one or more funds according to the purpose of operation. In other words, the joint fund may be split into funds for private insurance coverage and joint event coverage, so that when an insurance event is included in private insurance coverage, some amount of funds from private insurance coverage funds Can be paid.

In addition, the joint fund may accumulate a portion of premiums paid by group insurance product members as a fund for joint event coverage in accordance with predetermined criteria. That is, the funds for the joint event coverage may be comprised of some of the incentives and premiums, and the funds for the private insurance coverage may be made up of some of the premiums paid by the customer.

Also, a payment limit of the joint fund for the event occurrence determined by the customer who subscribed to the group insurance product may be set. The payment limit of the joint fund may be set from the group insurance product members for each event within a payment limit of the fund set by the company.

 A payment scheme of the community fund may be established in accordance with a further embodiment of the present invention. For example, account transfer and / or payment exemption may be determined as a method of payment of the joint fund. The above description is only an example according to an embodiment of the present invention, and various methods for paying a joint fund can be presented.

Accordingly, the server, the user terminal, and the computer program for providing the group insurance product according to the present invention not only add the incentive for the recommendation of joining to the joint fund, but also provide the incentive to the members of the group insurance product By obtaining agreement, transparency of the joint fund management can be guaranteed.

In addition, the joint fund management statistics data based on the occurrence information of the joint fund payment request event, the consent of the group insurance member to pay the occurrence of the joint fund payment request event, and the payment status may be generated. The above-described joint fund management statistical data is only an example according to an embodiment of the present invention, and various factors can be used for generating operational statistical data. Additionally, the generated operational statistical data may be provided to the group insurance members on a periodic and / or customer request basis. Through this, group insurance members can understand the operation of the fund.

The above-described steps are merely exemplary methods according to one embodiment of the present invention, and steps not included therein may be further performed.

For example, a step of creating a platform for information exchange between customers who have subscribed to the group insurance product may be performed. The platform may be, for example, a messenger. Alternatively, the platform may be a bulletin board for a group insurance product subscriber. Through the platform, customers can exchange information about the occurrence of the joint fund payment request event. Alternatively, the information associated with the group insured product may be exchanged. For example, it is possible to exchange recommendation car center information for each region through the platform. Or, you can plan your trip and exchange your thoughts. In order to perform the above-described steps, the step of granting the right to access the platform to the customer who has subscribed to the group insurance product may be further performed.

Grouping the customers who have subscribed to the group insurance product into at least two or more groups according to a further embodiment of the present invention and dividing the pool funds so that the pool funds are operated for each of the at least two groups . This will be described later with reference to FIG.

In addition, when the number of customers who have subscribed to the group insurance product exceeds a predetermined number, the step of determining to provide at least one of the customers who have subscribed to the group insurance product may be further performed. Also, the step of recommending the group insurance product to the selected customer based on the personal information of the customer who subscribed to the group insurance product may be performed. This will be described later with reference to FIG.

4 illustrates a flowchart of an exemplary method for determining an incentive according to an acquaintance recommendation in accordance with an embodiment of the present invention.

A server, a user terminal, and a computer program for providing a group insurance product determine an incentive allocated to a customer who recommends the recommender when the recommender has subscribed to the group insurance product, It is proposed to add.

In order to explain the present invention in more detail, it is assumed that a first customer who is a member of a group insurance product and a second customer who is a member of the group insurance product are present by recommendation of the first customer.

If a group insurance product subscription request is received (401) from a second customer associated with a first customer in accordance with an embodiment of the present invention, the financial server (110) may perform a series of steps to determine an incentive to pay the first customer (At least one of steps 403, 405, and 407). Additionally, the second customer may be a customer who has subscribed to the group insurance product by online or offline recommendation of the first customer.

According to an aspect of the present invention, the financial server 110 can confirm the number of customers who have subscribed to the group insurance product by the first customer (403). Accordingly, the financial server 110 can determine the incentive for the first customer differently according to the number of the customers who have subscribed to the group insurance product by the first customer. For example, in a case where the number of customers who have subscribed to the group insurance product by the first customer is five, higher incentives may be determined when the number of customers who have subscribed to the group insurance product by the first customer is two. As another example, the incentive can be determined according to the above grades by progressing the recommended number of subscribers and assigning the grades. For example, if the recommended number of subscribers is 100 or more, grade 1, 99 to 80 if 2, 4 to 5, 8, 2 to 3, 9, or 10 , An incentive corresponding to each of the above grades can be designated.

Further, the financial server 110 can confirm the insurance contract evaluation information of the first customer (405).

The insurance contract evaluation information may be based on at least one of a total premium, an increase in insurance amount, an insurance amount reduction amount, an insurance termination date, an insurance overdue term and a claim amount. The above description is only an example according to one aspect of the present invention, and at least one of all the details performed in relation to insurance from the group insurance insurer can be evaluated.

According to an embodiment of the present invention, the financial server 110 can check the insurance contract evaluation information of the first customer based on the total premium of the first customer. For example, if the first customer's claim frequency is low, a higher incentive can be determined than if the first customer's claim frequency is high. As another example, the financial server 110 may impose a penalty if there is an insured overdue fact of the first customer based on the insured overdue details of the first customer. That is, in the incentive determined for the first customer, the amount excluding the predetermined amount according to the penalty may be determined as the final incentive.

Also, the financial server 110 can confirm the insurance contract evaluation information of the second customer (407). As described above, the insurance contract evaluation information may be based on at least one of a total insurance premium, an insurance premium increase amount, an insurance amount reduction amount, an insurance termination date, an insurance overdue term and a claim amount.

Through step 407, the insurance contract evaluation information of the second customer associated with the first customer may be reflected in the incentive determination of the first customer. For example, when the total premium of the second customer is 200,000 won, a higher amount of money may be determined as the incentive of the first customer than when the total premium of the second customer is 50,000 won.

Although not shown, the incentive determined for the first customer can be determined through at least one of the above-described steps and predetermined logic.

If an incentive for the first customer is determined 409, 409, 409 and 407, the incentive allocated to the first customer may be added to the collective fund of the group insurance product 411.

The above-described steps are merely exemplary methods according to one embodiment of the present invention, and steps not included therein may be further performed. Alternatively, each of the above-described steps is not essential, so that some steps may be omitted as needed. In one example, steps 405 and 407 are omitted, and only step 403 can be performed. That is, only the number of customers who have subscribed to the group insurance product by the first customer may be reflected to determine the incentive of the first customer.

The foregoing may be performed by grouping the group insurance product customers back into one or more groups. This will be described in detail with reference to FIG.

Figure 5 illustrates a flowchart of an exemplary method of operating a pooled fund through grouping in accordance with an embodiment of the present invention.

According to one aspect of the present invention, group insurance product customers can be grouped into at least two or more groups according to predetermined conditions. For example, as shown, group insurance product customers may be grouped into a first group and a second group (501).

The predetermined condition may be a condition determined by the insurance company or a condition determined by the group insurer. Further, it may be a condition determined by group insured customers of one or more conditions determined by the insurance company.

According to an embodiment of the present invention, the group insurance product subscribers can be grouped into a male group and a female group. Alternatively, they may be grouped as unmarried employees, married employees, full-time housewives, and students.

If the group insurance product customers are grouped into the first group and the second group through step 401, the joint fund of the group insurance product may be divided into the first group of joint funds and the second group of joint funds (503) .

According to a further embodiment of the present invention, the pool fund may be split based on a predetermined criterion. For example, the pool may be split based on the number of customers grouped into each group. Alternatively, the pool may be split based on insurance contract assessment information for each customer grouped into each group. The above description is only an example according to an embodiment of the present invention, and various criteria may be set for dividing the funds.

The group insurance customers are grouped into the first group and the second group through steps 501 and 503, and the fund management after the funds are divided into the first group of funds, the second group of funds, .

If a group insurance product subscription request is received (505) from a second customer associated with the first customer, the financial server (110) can identify the group to which the first customer belongs (507).

If an incentive is determined for the first customer based on the steps described above in FIG. 3, the financial server 110 may add the determined incentive to the pool of funds of the group to which the first customer identified through step 507 belongs 509).

In addition, the added funds can be operated for each group. For example, the first group of funds may be operated with consent from customers included in the first group.

The incentives are added to the grouped groups, thereby inducing competition for subscription for each group. In addition, the joint funds may be operated for each of the grouped groups, thereby improving the efficiency of joint fund management.

The above-described steps are merely exemplary methods according to one embodiment of the present invention, and steps not included therein may be further performed. Also, the above-described steps are not essential, so that some steps may be omitted as needed.

FIG. 6 is a conceptual diagram of a group insurance product according to an embodiment of the present invention.

601 shows a group insurance product and a joint fund consisting of two people.

603 shows a group insurance product and a joint fund consisting of three people.

605 shows a group insurance product and a joint fund consisting of ten people.

Referring to FIGS. 601, 603, and 605 shown in FIG. 6, it can be seen that as the number of customers who subscribe to the group insurance product increases, the amount of the accumulated funds increases. Therefore, in order to expand the size of the operational funds, the customers who subscribe to the group insurance product may voluntarily recommend the group insurance product. The number of the group insurance product subscribers may be increased.

According to an embodiment of the present invention, when the number of customers who have subscribed to the group insurance product exceeds a predetermined number, an additional benefit may be provided to at least one of the customers who have subscribed to the group insurance product.

Alternatively, if the poolable funds of the group insurance product exceeds a predetermined amount, the additional benefit may be provided to at least one of the customers who have subscribed to the group insurance product.

Alternatively, if the cumulative incentive of the subscriber of the group insurance product exceeds a predetermined amount, the customer may be provided with an additional benefit.

In accordance with a further embodiment of the present invention, an agreed-upon goal may be established for the group insurance product members, and additional benefits may be provided to achieve the set goals. For example, an interest rate adjustment may be provided as an additional benefit.

In addition, additional benefits may be provided to groups with higher pool funds available for grouped groups. Thus, it is possible to induce the recommendation competition of the group insurance product by the group to which the group insurance product subscription customers belong. Accordingly, the number of the group insurance product subscribers can be increased and the size of the joint fund of the group insurance product can be increased.

Further, the additional benefit may be provided to the customer who subscribes the group insurance product according to a predetermined criterion.

The above-mentioned additional benefits may include at least one of premium discount, additional fund accumulation, protection insurance upgrade, free financial design service, free consultation service, or invitation to a free seminar. The foregoing benefits are merely exemplary in accordance with one embodiment of the present invention, and various benefits may be provided as additional benefits.

The server, the user terminal, and the computer program for providing the group insurance product according to the present invention can utilize the incentives provided to the insurance agent as a joint fund for the group insurance members, The number of insurance customers can be increased.

An arbitrary customer can be selected on the basis of the personal information of the customer who subscribed to the group insurance product to help recommend the acquaintance of the group insurance product customers.

For example, the financial server 110 may manage a group insurance product customer based on personal information of a group insurance product customer, a customer of a specific school, a customer of a specific interest, and a specific user determined based on information on an SNS (Social Networking Service) ≪ RTI ID = 0.0 > and / or < / RTI > Also, the group insurance product subscription information for the selected customers may be generated and provided to the group insurance product subscription customers.

The step of recommending the group insurance product to the selected customer may further be performed. To this end, the user's SNS (Social Networking Service such as Twitter, Facebook, Instagram, etc.), Messenger (KakaoTalk, MyPhone, Telegram, May be used in conjunction with a server 110 and a computer program for providing an insurance product.

Those of ordinary skill in the art will understand that information and signals may be represented using any of a variety of different technologies and techniques. For example, data, instructions, commands, information, signals, bits, symbols, and chips that may be referenced in the above description may include voltages, currents, electromagnetic waves, magnetic fields or particles, Particles or particles, or any combination thereof.

Those skilled in the art will appreciate that the various illustrative logical blocks, modules, processors, means, circuits, and algorithm steps described in connection with the embodiments disclosed herein may be embodied directly in electronic hardware, (Which may be referred to herein as "software") or a combination of both. To clearly illustrate this interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the design constraints imposed on the particular application and the overall system. Those skilled in the art may implement the described functionality in various ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The various embodiments presented herein may be implemented as a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. The term "article of manufacture" includes a computer program, carrier, or media accessible from any computer-readable device. For example, the computer-readable medium can be a magnetic storage device (e.g., a hard disk, a floppy disk, a magnetic strip, etc.), an optical disk (e.g., CD, DVD, etc.), a smart card, But are not limited to, devices (e. G., EEPROM, cards, sticks, key drives, etc.). The various storage media presented herein also include one or more devices and / or other machine-readable media for storing information. The term "machine-readable medium" includes, but is not limited to, a wireless channel and various other media capable of storing, holding, and / or transferring instruction (s) and / or data.

It will be appreciated that the particular order or hierarchy of steps in the presented processes is an example of exemplary approaches. It will be appreciated that, based on design priorities, certain orders or hierarchies of steps in processes may be rearranged within the scope of the present invention. The appended method claims provide elements of the various steps in a sample order, but are not meant to be limited to the specific order or hierarchy presented.

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 (11)

As a method of operating a group insurance product performed by a financial server that utilizes incentives provided to an insurance planner as a joint fund for group insurance members,
Establishing group insurance based on at least two customer information;
Setting a use criterion for the joint fund;
Determining to pay the joint fund with consent of at least a predetermined number of subscribers at the time of occurrence of an event meeting the use criterion of the joint fund;
The insurance contract evaluation information of the existing subscriber and the existing subscriber's insurance information of the existing subscriber by the existing subscriber to the existing subscriber related to the new subscriber when the new subscriber is added to the group insurance, Based on at least one of the insurance contract evaluation information of each of the customers who have subscribed to the group insurance; And
Charging the incentive and a portion of premiums of the members of the group insurance to the joint fund;
/ RTI >
A method of operating a group insurance product performed by a financial server that utilizes incentives provided to an insurance planner as a joint fund for group insurance members.
delete The method according to claim 1,
An event that meets the criteria for use of the joint fund,
An insurance event, at least one of an event predetermined by the insurance company, and an event determined by the group insurance customer,
The criteria for the use of the co-
And when the event occurs, including a condition for receiving consent of all of the customers enrolled in the group insurance,
A method of operating a group insurance product performed by a financial server that utilizes incentives provided to an insurance planner as a joint fund for group insurance members.
The method according to claim 1,
The criteria for the use of the co-
At least one of the number of the minimum group insurance commodity customers who agree to the payment of the joint fund required for each event meeting the use criterion of the joint fund, the payment limit of the joint fund by the event, and the payment method of the joint fund Including,
A method of operating a group insurance product performed by a financial server that utilizes incentives provided to an insurance planner as a joint fund for group insurance members.
The method according to claim 1,
Grouping the group-insured customers into at least two or more groups; And
Dividing the pool fund so that the pool funds are run for each of the at least two groups;
≪ / RTI >
A method of operating a group insurance product performed by a financial server that utilizes incentives provided to an insurance planner as a joint fund for group insurance members.
The method according to claim 1,
Determining to provide additional benefits to at least one of the group insured customers if the number of the group insured customers exceeds a predetermined number;
≪ / RTI >
A method of operating a group insurance product performed by a financial server. The method according to claim 1,
Creating a platform for information exchange between the customers who have subscribed to the group insurance;
≪ / RTI >
A method of operating a group insurance product performed by a financial server that utilizes incentives provided to an insurance planner as a joint fund for group insurance members.
delete A financial server comprising one or more processors and one or more memory portions,
One for a method of operating a group insurance product performed by a financial server that utilizes an incentive provided to an insurance agent stored in the memory unit and configured to be executed by the one or more processors, These commands are:
An order to open group insurance based on more than one customer information;
An order to set the use criteria of the joint fund;
Upon the occurrence of an event that meets the criteria for use of the co-fund, deciding to pay the co-fund with a consent of at least a predetermined number of subscribers;
The insurance contract evaluation information of the existing subscriber and the existing subscriber's insurance information of the existing subscriber by the existing subscriber to the existing subscriber related to the new subscriber when the new subscriber is added to the group insurance, Based on at least one of the insurance contract evaluation information of each of the customers who have subscribed to the group insurance; And
Charging the incentive and a portion of the premiums of the members of the group insurance to the joint fund;
/ RTI >
A financial server comprising one or more processors and one or more memory portions.
10. The method of claim 9,
Determining to provide at least one of the group insured customers additional benefits if the number of the group insured customers exceeds a predetermined number; And
Generating a platform for information exchange between the customers having the group insurance;
≪ / RTI >
A financial server comprising one or more processors and one or more memory portions. delete

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