KR101851757B1 - System and method for subscribing temporary insurance - Google Patents

Abstract

The present invention relates to a mobile service providing system and method in which a one-time insurance is automatically subscribed. According to the present invention, various mobile services can be provided through a dedicated application. In case of a service having a risk factor, One-time insurance, which applies only to the service, is automatically subscribed, making it possible to use various mobile services safely at low cost.

Description

[0001] The present invention relates to a mobile service providing system in which one-time insurance is automatically subscribed, a method, and a recording medium storing a program capable of executing the method.

The present invention relates to a system and a method for providing a mobile service in which a one-time insurance is automatically subscribed. More specifically, the present invention provides a mobile service in which one-time insurance is automatically subscribed System and method.

With the spread of smartphones, it has become possible to provide various mobile services through dedicated applications. For example, you can share photos, chat and arrange meetings with members of various clubs through community apps, ask for delivery of food using a delivery app, or ask for a dispatch using a surrogate driving app. And so on.

However, these applications, which provide mobile services, are focused on paying discounts and rich information, but are not concerned about the safety of users. For example, in the case of a substitute driving or delivery service, a vehicle or a motorcycle is used due to its nature, and therefore, insuring of a driver (an agent and a delivery person) is indispensable.

However, existing insurance services usually only provide one-year fixed-term insurance, and the registration process is also difficult. Furthermore, since the premiums are set without taking into account the actual number of times to perform the work, some articles that feel burdened by insurance premiums are often put into uninsured status for substitute driving or delivery.

In the same way, insurance groups are required when there is a risk factor in the activities of clubs, but there is a problem in that most of the periodic insurance is the same as car insurance and the procedure of admission is also difficult.

On the other hand, Korean Patent Laid-Open Publication No. 10-2013-0113620 discloses a conventional technology for providing a mobile service through application installation of a smart phone.

SUMMARY OF THE INVENTION The present invention has been conceived to solve the problems of the prior art as described above, and it is an object of the present invention to provide various mobile services using a dedicated application. In case of a service having a risk factor, The objective is to provide a technology that enables various mobile services to be safely used at low cost by allowing insurance to be automatically subscribed.

According to another aspect of the present invention, there is provided a method of providing a mobile service in which a one-time insurance is automatically subscribed, comprising the steps of: (a) inputting member information from a user terminal and transmitting the member information to a mobile service providing system; (B) storing the member information and processing member subscription in the mobile service providing system; (C) providing a mileage charging interface to the user terminal in the mobile service providing system; (D) requesting payment from the user terminal through the mileage charging interface; (E) processing the payment according to the payment request in the mobile service providing system to charge the mileage, and storing the charged mileage in association with the member information; (F) receiving service request information from the user terminal and transmitting the service request information to the mobile service providing system and requesting a service; (G) matching the service corresponding to the service request in the mobile service providing system and processing subscription insurance required for the matched service; And (h) deducting the mileage of the member in accordance with the one-time insurance in the mobile service providing system.

The method may further include the step of (i) after the step (b), providing the member information of the members whose subscription has been processed in the mobile service providing system to the insurance company server and subscribing to the group insurance coupon.

In the step (f), the service request information requested by the user terminal is information that the user using the user terminal intends to participate in an activity having a direct risk factor, and in the step (g) Wherein the providing system matches the service by registering the activity participation of the user in response to the service request, and registers the one-time insurance required for the activity, and in the step (h) You can deduct the mileage of participating users.

In the step (f), the service request information requested by the user terminal is information for requesting a counterpart user to perform a service, and in the step (g), the mobile service providing system The mobile service providing system may deduct the mileage of the counterparty user in the step (h). The method of claim 1, .

According to another aspect of the present invention, there is provided a method of providing a mobile service in which a one-time insurance is automatically subscribed, comprising the steps of: (a) inputting member information from a user terminal and transmitting the member information to a mobile service providing system; (B) storing the member information and processing member subscription in the mobile service providing system; (C) providing a mileage charging interface to the user terminal in the mobile service providing system; (D) requesting payment from the user terminal through the mileage charging interface; (E) processing the payment according to the payment request in the mobile service providing system to charge the mileage, and storing the charged mileage in association with the member information; (F) creating and storing one or more one-time insurance products in the mobile service providing system; And a step of, when the user terminal requests the publication of a notice for recruiting an activity participation having a risk factor, the announcement is posted in the mobile service providing system, and the announcement is analyzed, (G) selecting a specific insurance product and matching the selected insurance product to the known article; Wherein the mobile service providing system comprises: a service matching unit for registering activity participation in the announcement in the mobile service providing system when the user terminal requests participation of the user through the announcement; and in the step (g) (H) processing the subscription of the merchandise; And (i) subtracting mileage of a user participating in the activity in the mobile service providing system.

And, the present invention includes a recording medium on which a program capable of executing the above method is stored.

According to another aspect of the present invention, there is provided a mobile service providing system in which a one-time insurance is automatically subscribed, comprising: an information receiver for receiving member information, service request information or settlement request information from a user terminal; A member information operating unit for storing the member information received through the information receiving unit in the member information D / B to process membership; A settlement processor for charging the mileage by processing payment when the settlement request information is received from the user terminal through the information receiver and storing and managing the charged mileage in association with the member information; A service processing unit for matching the service corresponding to the service request when the service request information is received through the information receiving unit; And an insurance processor for subscribing to the one-time insurance required for the matched service.

Here, the insurance processing unit may process the member information of the members for which the membership registration has been processed so as to be subscribed to the group insurance special condition by pre-providing the member server information to the insurance company server.

Also, the service request information received through the information receiving unit is information that a user using the user terminal intends to participate in an activity having a direct risk factor, The insurance processing unit registers a one-time insurance for a user participating in the activity, and the payment processing unit can deduct mileage of a user participating in the activity.

Also, the service request information received through the information receiving unit is information for requesting a counterpart user to perform a service, and the service processing unit matches a service by connecting an optimal counterpart user corresponding to the service request, The processing unit registers the one-time insurance required for performing the service of the other user, and the payment processing unit can deduct the mileage of the other user.

In addition, the insurance processing unit may generate and store one or more one-time insurance products related to the service provided by the service processing unit in advance in association with the service processing unit, and may receive activity participation having a risk factor from the user terminal through the information receiving unit The service processing unit selects a specific insurance product from among the generated one-time insurance products in association with the insurance processing unit while posting the announcement, Wherein the service processing unit matches the service by registering the activity participation in the announcement text when the service request information requesting the participation of the activity in the announcement is received from the user terminal through the information receiving unit, Of the one-time insurance product matched to the above-mentioned announcement The payment processing unit may deduct the mileage of the user participating in the activity.

The present invention has the following effects.

First, the mobile service provided by the present invention automatically subscribes to one-time insurance when an activity having a risk factor is accompanied when using an independent activity service of a user or a service for matching an optimal counterpart, You can use the service with peace of mind.

That is, the mobile service according to the present invention basically provides a community service that provides hobby information such as fishing, golf, mountain climbing, travel, bicycle, etc. or supports activities of a club. When a user requests a service to participate in actual activities, For example, if you request to participate in activities such as sea fishing, golf tournaments, group climbing, etc., you can match the service by registering participation in the activity, and at the same time process it to automatically join the one-time insurance (travel insurance, etc.) Even if you are exposed to unexpected accidents during club activities, you can get compensation.

In addition, it provides a relay service that basically provides an optimal partner connection when requesting a surrogate article, requesting a food delivery, or requesting a business car wash, wherein a first user (such as a car owner or a food delivery requestor) (Such as automobile insurance or motorcycle insurance) necessary for vehicle or motorcycle operation, or one-time insurance (accident compensation insurance, etc.) for accidents that may occur during car wash operations So that both the first user and the second user can use the service reliably.

In particular, in the present invention, the insurance for the automatic subscription processing is a one-time insurance rather than the fixed-term insurance, so the usage fee is very low. In other words, the conventional term-end insurance usually subsidies for a period of one year, and since the insurance premium for the period when the user does not perform a specific activity is also set, In other words, the agent and the delivery person could be put into the uninsured state, and it was apt to be accident when enjoying dangerous hobby activity without uninsured state. However, according to the present invention, one-time insurance is automatically subscribed to apply only to the time when the activity is performed, and it is possible to subscribe without paying the premium because a cheap insurance fee of about 1,000 won is calculated. In other words, it is very reasonable to pay the premium only for the amount of the user's activity.

In the mobile service according to the present invention, since the service matching and the one-time insurance are performed through the membership, the insurance inserting procedure is very simple. In other words, one-time insurance is required to be insured at every activity, so if a user wishes to take out one-time insurance directly through an existing insurance company, he or she must provide user information every time, The payment processing fee is incurred every time). However, according to the present invention, if a person who performs a service activity (a member of a club or an agent or a delivery agent) preliminarily joins a member and provides the information once and authenticates the real name and performs payment processing (mileage charging) One-time insurance is automatically enrolled and accounted for with mileage only when it occurs, so that the user does not have to carry out troublesome procedures every time to join the insurance.

Of course, there may be a way to apply for one-time insurance before the start of the activity by the user through the separate insurance application application. However, this method may also be used for providing information, real name authentication, The settlement processing cost is incurred every time). On the other hand, in the present invention, it is convenient to enjoy the mobile service in its normal state, and once the service matching is performed for the activities accompanied by the risk, the one-time insurance is automatically added.

Also, in the present invention, when providing a service of a club activity, when a notice for starting the activity is posted, the optimal insurance product is automatically set in the corresponding notification article through the analysis process, The user can be automatically subscribed to the one-time insurance product. Accordingly, when the user first subscribes to the group insurance special in the system, it is possible to eliminate the waste of the manpower and the cost to set the detailed insurance product, There is no need for the publisher to design concrete insurance products.

In addition, the present invention does not inconvenience other users because the mileage that the insurance-beneficiary earns in advance is used as a premium. For example, in the case of a substitute driving service, the borrower only has to request a substitute article, and when the connection with the substitute article is completed, the mileage of the matched substitute article is deducted from the one-time insurance. If the borrower has to pay an additional fee or inconvenience, the service utilization rate will drop significantly. In the present invention, the borrower does not need to carry out any process, and furthermore, Since the delivery person or the car wash person pays, the service utilization rate can be increased.

1 is a diagram for explaining a mobile service providing system in which a one-time insurance is automatically subscribed according to an embodiment of the present invention;
BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a mobile service providing method, and more particularly,
3 is a flowchart illustrating an example of a mobile service providing method in which a one-time insurance is automatically subscribed according to an embodiment of the present invention.
4 is a flowchart illustrating another example of a mobile service providing method in which a one-time insurance is automatically subscribed according to an embodiment of the present invention.
5 is a flowchart illustrating another example of a mobile service providing method in which a one-time insurance is automatically subscribed according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. However, some configurations which are not related to the gist of the present invention may be omitted or compressed, but the configurations omitted are not necessarily those not necessary in the present invention, and they may be combined by a person having ordinary skill in the art to which the present invention belongs. .

In addition, each component, server, and system described below does not necessarily have to be an independent component or server that performs each function, but may be implemented as one or more programs or one or more servers or a collection of one or more systems, May be shared.

1 is a diagram for explaining a mobile service providing system (hereinafter referred to as a 'mobile service providing system' or 'system') in which a one-time insurance is automatically subscribed according to an embodiment of the present invention.

Prior to the description, the mobile service provided in the present invention includes a community service for providing information on hobby activities such as fishing, golf, mountain climbing, traveling, horseback riding, bicycle, yacht, or the like, and supporting community activities. In other words, it offers a variety of services to enable members to participate in regular meetings and conventions as well as bulletin boards and chat functions. Of course, in order to use such a community service, a dedicated application must be installed in the user terminals 300 and 400. In this case, the mobile service providing system 100 may be a system 100 of a company providing the application and managing the community service .

In addition, the mobile service provided by the present invention may be a service for connecting an optimal partner in response to a request from a customer who requires the other party, such as a surrogate operation, a food delivery service, or a business car wash. That is, the mobile service of the present invention may include basic functions such as a surrogate driving app or a delivery app.

The user terminals 300 and 400 connected to the mobile service providing system 100 and requesting a service are preferably mobile communication terminals such as a smart phone and a tablet PC. However, the user terminals 300 and 400 may be a notebook, a desktop computer, have. Accordingly, a user may request a service after installing a dedicated application provided in the mobile service providing system 100 to the user terminals 300 and 400, or may request a service by accessing the system 100 through a web page. As a matter of course, it is also possible to request a service through a voice call.

1, a mobile service providing system 100 according to an embodiment of the present invention includes an interface unit 105, an interface providing unit 110, an information receiving unit 115, an information providing unit 120, An operation unit 125, a service processing unit 130, an insurance processing unit 135, and a payment processing unit 140.

The interface unit 105 is provided for connecting communication channels for transmitting and receiving information to and from the user terminals 300 and 400, the insurance company server 200 and the operator terminal 180 through a communication network.

The interface providing unit 110 is provided to provide a user interface that allows the user terminal 300 or 400 or the operator terminal 180 to input or select various information in association with the interface unit 105. [

For example, the interface providing unit 110 may input member information to the user terminals 300 and 400, or may provide a user interface for using various community services and services such as surrogate driving, food delivery, business car wash, and the like. Also, the interface providing unit 110 may provide a user interface for charging the mileage to the user terminals 300 and 400 side.

The information receiving unit 115 is provided to receive member information, membership request information, settlement request information, service request information, and the like from the operator terminal 180 or the user terminals 300 and 400 in cooperation with the interface unit 105.

The information providing unit 120 is provided for providing a dedicated application to the user terminals 300 and 400 in association with the interface unit 105, providing a user interface, or providing service matching information upon completion of matching.

The member information operating unit 125 stores the member information received from the user terminals 300 and 400 in the member information D / B 160 or confirms and loads specific member information through the member information D / B 160 .

The service processing unit 130 stores the service information in the service information D / B 165 in response to the service request of the user terminal 300 or 400, or loads the stored service information. In addition, the service processing unit 130 performs a registration process so as to participate in a specific activity corresponding to a service request of the user terminal 300 or 400, or processes the other party so that the opposite party can be connected to a necessary service request.

The insurance processing unit 135 processes the service request for the service requests of the user terminals 300 and 400 through the service processing unit 130 so that the one-time insurance required for the service is registered. That is, the insurance processing unit 135 loads the member information in which the service matching is performed in association with the member information operating unit 125 and the service processing unit 130, and transmits the membership information to the insurance company server 200 in association with the information providing unit 120, And the contents of the service, so that the insurance is valid only during the service.

Of course, some services provided by the service processing unit 130 do not imply a danger such as a simple community service. Therefore, the insurance processing unit 135 processes only the one-time insurance when the matching of the service in which the risk factor is included among the matching services in the service processing unit 130 is made. For example, a one-time insurance registration process is performed only for the participation registration service of the group climbing and the proxy service connection service.

In addition, the insurance processing unit 135 provides the membership information of the members whose membership has been processed in association with the member information operating unit 125 and the information providing unit 120 to the insurance company server 200 in advance Provided through other arrangements specified on the group insurance special letter) and may be processed to join the group insurance special. Group insurance refers to an organization that has a certain number of people or more, and that the group affiliates do not follow the insurance contract procedure individually, but the affiliated organization becomes an insurance contractor and carries out the insurance registration process by processing one contract. The advantage of group insurance is that it is not necessary to change the contents of the contract each time when you change or change the membership, and it is very convenient because it can be batch processed by special contract. In other words, since the procedure of collecting personal information of the member and paying the insurance premium can be collectively handled on the date specified in the special letter of agreement (usually around the next 10 ~ 25th day of the next month), the workload of the group and the insurance company can be drastically reduced .

Accordingly, if a business operator operating the mobile service providing system 100 according to the embodiment of the present invention registers insurance premiums with the insurance company in advance so as to enable one-time insurance for members, One-time insurance is available. Of course, the insurance processing unit 135 provides the member information on a predetermined date according to the increase or decrease in the type of guarantee or the number of persons, and performs insurance premium settlement in connection with the settlement processing unit 140.

The settlement processing unit 140 is provided for performing insurance premium settlement and mileage settlement. That is, when the membership providing process is completed, the interface providing unit 110 provides the mileage charging interface to the user terminals 300 and 400, and when the user inputs the payment request information to the system 100, the payment processing unit 140 After the settlement is completed, the mileage is charged, and the mileage charged in the member information is linked and stored in association with the member information operation unit 125.

In addition, the payment processing unit 140 deducts the mileage of the member when the particular member is matched with the service participating in the activity having a risk factor, and processes the premium so that the premium can be settled.

Meanwhile, the mobile service providing system 100 according to the embodiment of the present invention can automatically generate necessary insurance products through analysis of the user's bulletin, so that the optimal one-time insurance products can be subscription-processed. The explanation of this will be discussed later.

The details of the mobile service providing system 100 according to the embodiment of the present invention described above will be further clarified through the mobile service providing method described below with reference to FIG. 2 to FIG.

FIG. 2 is a flowchart illustrating a membership subscription process for using a mobile service, in which a one-time insurance is automatically subscribed according to an embodiment of the present invention.

In order to use the mobile service according to the present invention, a dedicated application provided by the system 100 is installed in user terminals 300 and 400 such as a smart phone, a tablet PC, or a smart TV, and all service processes are performed through a dedicated application However, it is also possible to access the system 100 through a web page from a user terminal 300 or 400 such as a notebook computer or a desktop computer, and then use the service. It is also possible that a user requests a service through a wired / wireless telephone and an agent inputs member information through an operator terminal 180, loads service information, orally or transmits a text message. Hereinafter, a process in which a user uses a service through a user terminal 300 or 400 such as a smart phone or a tablet PC will be described.

First, when a user accesses the system 100 through the user terminals 300 and 400 and requests a dedicated application, the information providing unit 120 of the system 100 provides a dedicated application to the user terminals 300 and 400, 300,400) can be installed (S205).

Then, the information receiving unit 115 of the system 100 receives the membership registration request information by receiving the membership information by inputting the member information by driving the dedicated application in the user terminals 300 and 400, and transmitting the membership information to the system 100 , And the member information operation unit 125 stores the member information in the member information D / B 160 (S215).

Of course, even if the membership process is completed, the user can use various services provided by the system 100. For example, you can use basic community services such as checking information on hobbies or chatting with club members. Also, in the case of a system 100 for providing a mobile service such as a surrogate driving app, a food delivery app, or a travel car wash app, even if only a member is registered, it can be used for a customer such as a proxy article request, a specific food delivery request, Service is available.

However, if you are a member of a club that wants to participate in activities involving risk factors, or if you are an agent, a delivery agent, or a car wash attendant, you will need to charge the mileage for insurance premium settlement.

The interface providing unit 110 of the system 100 provides the mileage charging interface to the user terminals 300 and 400 in cooperation with the information providing unit 120 and the user terminals 300 and 400, The settlement processing unit 140 of the system 100 transmits the settlement request information to the system 100 after the user inputs the settlement information through the mileage charging interface output from the system 100. The settlement processing unit 140 of the system 100 receives the settlement request, The mileage is charged (S230) by processing a payment in connection with a financial server (not shown) responsible for payment of a card or the like. In addition, the payment processing unit 140 associates the charged mileage with the member information management unit 125 in association with the corresponding member information.

In addition, the insurance processing unit 135 of the system 100 processes the group insurance subscription <S235> at a specific point in time. When the insurance processing unit 135 joins the group insurance, it may provide the member information to the insurance company server 200 when necessary. In addition, the insurance processing unit 135 may settle the insurance premium for joining group insurance in conjunction with the payment processing unit 140. [

Here, when the insurance processing unit 135 of the system 100 subscribes to the group insurance, the insurance product including the details such as special coupons may be specified in advance according to the service type provided by the system 100, After processing the contract only, the detailed merchandise may be created in the system 100 itself and submitted with a list later. The former case will be dealt with in the process of FIG. 3, and the latter case will be dealt with in the process of FIG.

On the other hand, in the membership process of FIG. 2, the real name authentication procedure may be performed together as needed.

3 is a flowchart illustrating an example of a mobile service providing method in which a one-time insurance is automatically subscribed according to an embodiment of the present invention. That is, the process of automatically subscribing to the one-time insurance when the user who completes the membership process of FIG. 2 commences the activity of a club having a risk factor.

Prior to the description, the user terminals 300 and 400 are collectively described above, but the users can be classified into various types according to the service type. For example, a user who is participating in a club activity, a proxy article, a delivery person, a car wash person, etc. may be a member, a customer who requests a substitute driving, requests a food delivery, or requests a business car wash. At this time, the users who participate in the activities of the club, the agent, the delivery agent, and the car wash agent are the actual customers of insurance benefits because they participate in activities involving risk factors. Based on this, FIG. 3 will be described based on the first user participating in the activity of the club.

First, a first user (a member of a group of friends) who has completed the membership process operates the dedicated application of the first user terminal 300 to access the system 100 and transmits the service request information to request the service <S305>. The service requested by the first user may be a request for providing information on hobby activities such as fishing, golf, mountain climbing, traveling, horse riding, bicycle, yacht, etc., a request for uploading a post of a first user, It may be a request. In this case, the service processing unit 130 of the system 100 loads various information on the hobby activity through the service information D / B 165 and provides it to the first user terminal 300 through the information providing unit 120 , And may store the uploaded content in the service information D / B 165 according to the posting request of the first user to perform the uploading operation. In addition, the service processing unit 130 may activate a chat function so that a chat with another member is performed.

Of course, the general community service is always performed, and in the case that the service participation service of the club activity is proceeding in the community, the service request of the first user may be the participation request information to directly participate in the activity. In this case, the service processing unit 130 of the system 100 performs the service matching process S310 by registering the activity participation of the first user. Of course, in order to request the participation of the activity, the notice of recruitment of the participant for the specific activity may be posted by another user (or the operator) before that, and the participation application can be made in the notice article. At this time, the activity may be accompanied by a risk factor. To this end, the insurance processing unit 135 of the system 100 processes S315 to subscribe to the one-time insurance for the matched service.

In other words, since the system 100 has previously set up the insurance product including details suited to the characteristics of the group, when the service is matched, the insurance processing unit 135 sets the predetermined insurance product So that they can receive insurance benefits by being automatically subscribed. Of course, when joining a group insurance special, you would not have been covered by periodic insurance for a certain period of time. Therefore, it is required to provide the insurance company server 200 with a specific time, contents, and a list of participants even in real time or at a later time. Therefore, the insurance processing unit 135 of the system 100 must record the one-time insurance subscription details for the participant in connection with the service processing unit 130 in detail. The payment processor 140 of the system 100 subtracts the mileage of the first user for which the service has been matched and adds the mileage of the first user to the first user, And informs the user terminal 300 of the one-time insurance registration process.

Therefore, the first user can be compensated even if he / she participates in the activity of a club having a risk factor (participating in sea fishing, participating in a golf tournament, climbing a group, etc.) and suffering an unexpected accident.

FIG. 3 illustrates a process of automatically registering a one-time insurance by matching (or registering with a participant) a service in the system 100 when a service request for participating in a club activity accompanied by a risk factor is requested. At this time, the system 100 has previously set up an insurance product corresponding to the characteristics of the group, and automatically subscribes to the corresponding product if there is an application for participation.

However, in the case of a particular club, details may vary from club to club. For example, in the case of a club called 'Sea Love', activities such as sea fishing, sea fishing, water leisure activities are very diverse. Therefore, there are a variety of insurance products to join. If you join the group insurance special in advance, you will not be able to join all types of insurance products (because the insurance premium will rise), but the operator (or announcement publisher) It is also difficult to design products while posting notices.

For this purpose, in FIG. 4, various insurance products are created in accordance with the characteristics of the groups in the system 100, and when an announcement for starting the activity comes up, an optimal insurance product is automatically set through a bulletin analysis.

Referring to FIG. 4, when the membership process of FIG. 2 is completed, the insurance processing unit 135 of the system 100 displays a one-time insurance product in advance according to the characteristics of the mobile service provided by the system 100, And stores it in the service information D / B 160 (S405).

For example, in the case of [sea love] activity, an insurance product that is applied to sea trip, sea fishing, water leisure etc. can be created. Of course, there may be a difference between the special items and the insurance premium for each insurance product. The insurance processing unit 135 compares the database provided beforehand from the insurance company server 200 with the service details provided by the service processing unit 130, And to create related insurance products that are likely to be used frequently in accordance with the characteristics of the club.

When a first user (operator or a publisher of notifications) drives a dedicated application of the first user terminal 300 to access the system 100, and then transmits service request information, i.e., The service processing unit 130 of the system 100 analyzes the known article and the insurance processing unit 135 searches the service information D / B 160 for the specific insurance product stored in advance in the service information D / B 160 And sets the selected insurance product in correspondence with the service bulletin 130 in step S420.

When the service processing unit 130 parses the known text, it parses the text-type known text to extract a meaningful character string. For example, if a notice such as 'I will fish fishing in Hongwon Port on August 22, 2015' is posted, the port name of 'Hongwon Port' and the string 'fishing' can be extracted and the insurance processing unit 135 In this way, insurance products corresponding to 'sea fishing' among the insurance products created in advance will be set in the corresponding announcement articles.

Of course, at the time of analyzing the announcement text in the service processing unit 130, the insurance information processing unit 135 also extracts the period information 'Aug. 22, 2015' and the place information 'Hongwang Port', and the insurance processing unit 135 extracts the extracted period and place information To set the period and place where the one-time insurance is applied.

The service processing unit 130 of the system 100 transmits the service request information through the first user terminal 300 to the first user (S430). &Lt; / RTI >

In addition, the insurance processing unit 135 of the system 100 processes S435 so as to subscribe to the one-time insurance for the matched service. At this time, the insurance processing unit 135 is selected through the analysis of the bulletin before, and the insurance processing unit 135 processes the one-time insurance product set in the notification bulletin to be subscribed.

Then, the settlement processing unit 140 of the system 100 subtracts the mileage of the first user (participant requesting party) in which the service is matched.

In the process of FIG. 4 described above, the insurance product suitable for the characteristics of the corresponding club is generated in advance in the system 100, and when the known article is posted, the optimal insurance product is automatically set in the corresponding announcement article through the analysis process, A user who participated in the announcement article automatically subscribed to the one-time insurance product. Accordingly, it is possible to eliminate wasted manpower and expenses required to set detailed insurance products when the system 100 joins the first group insurance special, and it is troublesome that the operator or the publisher of the announcement must design specific insurance products There is no.

Of course, after the service processing unit 130 of the system 100 analyzes the known article in the process of FIG. 4, before the insurance processing unit 135 selects the specific insurance product and sets it in the notification article S420, It is also possible to provide the details of the insurance product to be provided to the publisher of the announcement article first and then to check the detailed contents of the insurance product or modify the contents of the contract (special term, period, etc.)

5 is a flowchart illustrating another example of a mobile service providing method in which a one-time insurance is automatically subscribed according to an embodiment of the present invention. That is, when a customer requests a service such as a surrogate driving, a food delivery, or a business car wash, the process of matching an optimum counterparty.

Hereinafter, a customer requesting a substitute driving, a food delivery, or a business car wash is regarded as a first user, and a surrogate article, a delivery agent, or a traveling car wash agent is regarded as a second user.

First, the first user drives a dedicated application installed in the first user terminal 300, accesses the system 100, and requests a service <S505>. The service request of the first user is information that requires the other party, such as a substitute driving request, a food delivery request, or a travel car wash request. Of course, when a proxy operation is requested, information such as a location, a destination, and a requested amount of the first user is included and is provided to a plurality of substitute articles near the first user, Additional functions are accompanied. However, since the key element to be dealt with in the present invention is not the substitute article matching, a detailed description should be avoided. Also, in case of food delivery, the first user is provided with a restaurant, menu information, price information, and the like, and additional functions such as discount payment using a coupon are included, but a detailed description thereof will be omitted.

The service processing unit 130 of the system 100 in response to the service request of the first user terminal 300 processes the service matching by associating the best partner with the service information D / B 165 in step S510, To the first user terminal 300 and the second user terminal 400.

When the matching of the optimal second user for the service requested by the first user is completed, the insurance processing unit 135 of the system 100 processes the one-time insurance of the second user for the matched service to be subscribed (S515). The one-time insurance applied to the second user means that the driver of the agent who applies the benefit only at the time of driving the relevant section and the driver's insurance of the delivery person or the vehicle of the customer (first user) And business liability insurance of business car wash agent.

In addition, the settlement processing unit 140 of the system 100 finishes the one-time insurance registration process by subtracting the mileage of the second user who has performed the service matching, and notifies the second user terminal 400 of the mileage. Of course, the second user terminal 400 may notify the first user who is the customer about the insurance participation.

As described above in detail, the mobile service provided by the present invention is designed to automatically join one-time insurance when an activity having a risk factor is accompanied by using an independent activity service of a user or a service to match an optimal counterparty Thus, the user can use the service with peace of mind.

That is, the mobile service according to the present invention basically provides a community service that provides hobby information such as fishing, golf, mountain climbing, travel, bicycle, etc. or supports activities of a club. When a user requests a service to participate in actual activities, For example, if you request to participate in activities such as sea fishing, golf tournaments, group climbing, etc., you can match the service by registering participation in the activity, and at the same time process it to automatically join the one-time insurance (travel insurance, etc.) Even if you are exposed to unexpected accidents during club activities, you can get compensation.

In addition, it provides a relay service that basically provides an optimal partner connection when requesting a surrogate article, requesting a food delivery, or requesting a business car wash, wherein a first user (such as a car owner or a food delivery requestor) (Such as automobile insurance or motorcycle insurance) necessary for vehicle or motorcycle operation, or one-time insurance (accident compensation insurance, etc.) for accidents that may occur during car wash operations So that both the first user and the second user can use the service reliably.

In particular, in the present invention, the insurance for the automatic subscription processing is a one-time insurance rather than the fixed-term insurance, so the usage fee is very low. In other words, the conventional term-end insurance usually subsidies for a period of one year, and since the insurance premium for the period when the user does not perform a specific activity is also set, In other words, the agent and the delivery person could be put into the uninsured state, and it was apt to be accident when enjoying dangerous hobby activity without uninsured state. However, according to the present invention, one-time insurance is automatically subscribed to apply only to the time when the activity is performed, and it is possible to subscribe without paying the premium because a cheap insurance fee of about 1,000 won is calculated. In other words, it is very reasonable to pay the premium only for the amount of the user's activity.

In the mobile service according to the present invention, since the service matching and the one-time insurance are performed through the membership, the insurance inserting procedure is very simple. In other words, one-time insurance is required to be insured at every activity, so if a user wishes to take out one-time insurance directly through an existing insurance company, he or she must provide user information every time, The payment processing fee is incurred every time). However, according to the present invention, if a person who performs a service activity (a member of a club or an agent or a delivery agent) preliminarily joins a member and provides the information once and authenticates the real name and performs payment processing (mileage charging) One-time insurance is automatically enrolled and accounted for with mileage only when it occurs, so that the user does not have to carry out troublesome procedures every time to join the insurance.

Of course, there may be a way to apply for one-time insurance before users start their own activities through the separate insurance application. However, this approach must also be accompanied by information provision, real name authentication, payment processing Cumbersome. On the other hand, in the present invention, it is convenient to enjoy the mobile service in its normal state, and once the service matching is performed for the activities accompanied by the risk, the one-time insurance is automatically added.

Also, in the present invention, when providing a service of a club activity, when a notice for starting the activity is posted, the optimal insurance product is automatically set in the corresponding notification article through the analysis process, The user can be automatically subscribed to the one-time insurance product. Accordingly, when the system 100 joins the first group insurance special, it is possible to eliminate wasted manpower and expenses for setting detailed insurance products, There is no need for the publisher to design specific insurance products.

In addition, the present invention does not inconvenience other users because the mileage that the insurance-beneficiary earns in advance is used as a premium. For example, in the case of a substitute driving service, the borrower only has to request a substitute article, and when the connection with the substitute article is completed, the mileage of the matched substitute article is deducted from the one-time insurance. If the borrower has to pay an additional fee or inconvenience, the service utilization rate will drop significantly. In the present invention, the borrower does not need to carry out any process, and furthermore, Since the delivery person or the car wash person pays, the service utilization rate can be increased.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, And additions should be considered as falling within the scope of the claims of the present invention.

100: Mobile service providing system
105:
110: interface provisioning
115:
120: Information provision
125: Member Information Operations Department
130:
135: Insurance processor
140:
160: Member Information D / B
165: Service information D / B
180: Operator terminal
200: Insurer server
300: first user terminal
400: second user terminal

Claims (2)

Receiving membership request information, storing the member information in the mobile service providing system, and processing member subscription;
Generating and storing one or more one-time insurance products that are highly available in association with a service to be provided in the mobile service providing system;
The method of claim 1, further comprising the steps of: if the user terminal requests publication of a bulletin to recruit a risky activity, the bulletin board parses the bulletin to publish a bulletin, and extracts a meaningful string, Selecting an insurance commodity corresponding to the extracted character string of the insurance commodity and setting the selected insurance commodity to match the known commodity; And
Matching the service by registering the activity participation in the announcement article in the mobile service providing system and processing the subscription of the one-time insurance product matched to the announcement message when the user terminal requests activity participation through the announcement article Wherein the one-time insurance is automatically subscribed to the mobile service.
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