KR102022105B1 - Apparatus and method for providing insurance fee cashback - Google Patents

Abstract

The present invention relates to an apparatus and method for providing a premium cashback. The premium cashback providing apparatus of the present invention is based on a cashback group management unit that manages a cashback group, a cashback earning unit that accumulates at least a portion of insurance premiums of policyholders included in the cashback group in a cashback pool, and a premium payment history of the accumulated cashback pool. By calculating the refund amount of the cashback pool at a predetermined time point, the refund amount is provided to the policyholders in the cashback group.

Description

Apparatus and method for providing premium cashback {APPARATUS AND METHOD FOR PROVIDING INSURANCE FEE CASHBACK}

The present invention relates to an apparatus and method for providing a premium cashback, and more particularly, to an apparatus and method for providing a premium cashback capable of cashing back a part of insurance premiums of a policyholder.

In general, insurance is to prepare for the risk of unforeseen disasters or accidents. In order to receive insurance and to receive insurance, you pay a certain amount of premium. Such insurances can be variously classified according to the subjects and scope of coverage, for example, automobile insurance, driver insurance, fire insurance, damage insurance, theft insurance, life insurance, education insurance, death insurance, pension insurance, variable insurance. It may include, for example, unemployment insurance, disease insurance, accident insurance, travel insurance, child insurance, and fetal insurance.

Such insurance can only provide policyholders with an unpaid insurance premium to pay a premium at a slightly lower rate than other insurers. As such, a policyholder who does not have an accident will continue to pay a certain amount of insurance premiums, and will not receive additional benefits due to the payment of premiums, in addition to the benefit of paying a premium lower than that of the policyholder.

In addition, insurance policyholders who do not have an accident may be continuously raised in insurance premiums for accidents irrelevant to them, since the insurance increase rate, which is set based on the insurer's loss rate, is uniformly applied.

As such, there is a need for a method for providing a predetermined benefit for insurance premiums paid to policyholders who do not have an accident.

On the other hand, the background art described above is technical information that the inventors possess for the derivation of the present invention or acquired in the derivation process of the present invention, and is not necessarily a publicly known technique disclosed to the general public before the application of the present invention. .

One embodiment of the present invention is to provide a premium cashback providing apparatus and method that can provide a policyholder with a predetermined benefit according to the premium payment.

One embodiment of the present invention is to provide a premium cashback providing apparatus and method that can provide a portion of the premium paid by the policyholder in the form of a cashback.

One embodiment of the present invention is to provide a premium cash back providing apparatus and method that can reduce the burden of premiums for policyholders of a low accident rate.

As a technical means for achieving the above technical problem, according to an embodiment, the premium cashback providing apparatus is a cashback group management unit for managing a cashback group, at least a portion of the insurance premiums of the policyholders included in the cashback group to accumulate in the cashback pool And a cashback providing unit configured to calculate a refund amount of the cashback pool at a preset point of time based on a cashback earning unit and a premium payment history of the accumulated cashback pool, and provide the refund amount to a policyholder in the cashback group. Can be.

According to another embodiment, the premium cashback providing method of the premium cashback providing apparatus may include generating a cashback group, accumulating at least a portion of insurance premiums of the policyholders included in the cashback group in the cashback pool, and storing the accumulated cashback pool. Calculating a refund amount of the cashback pool based on a premium payment history of the cashback pool and providing the refund amount to a policyholder in the cashback group.

According to yet another embodiment, a computer-readable recording medium having a program for executing a premium cashback providing method, the method comprising: generating a cashback group, and at least a portion of insurance premiums of an insurance policy included in the cashback group is added to the cashback pool; Earning, calculating a refund amount of the cashback pool at a preset time point based on the premium payment history of the accumulated cashback pool, and providing the refund amount to a policyholder in the cashback group. have.

According to yet another embodiment, a computer program executed by a premium cashback providing apparatus and stored in a recording medium to perform a premium cashback providing method, the method comprising: generating a cashback group, among insurance premiums of an insurance policyholder included in the cashback group; Depositing at least a portion of the cashback pool, calculating a refund amount of the cashback pool at a preset time point based on a premium payment history of the accumulated cashback pool, and providing the refund amount to a policyholder in the cashback group It may include the step.

According to any one of the above-described problem solving means of the present invention, an embodiment of the present invention can provide a premium cash back providing apparatus and method that can provide the benefits of the premium paid to the policyholder.

In addition, according to any one of the problem solving means of the present invention, it is possible to provide a premium cashback providing apparatus and method that can provide a portion of the premium paid by the policyholder in the form of a cashback.

In addition, according to any one of the problem solving means of the present invention, it is possible to provide a premium cash back providing apparatus and method that can reduce the burden of premiums for policyholders of low accident rate.

The effects obtainable in the disclosed embodiments are not limited to the effects mentioned above, and other effects not mentioned above are apparent to those skilled in the art to which the embodiments disclosed from the following description belong. Can be understood.

1 is a block diagram illustrating a system for providing a premium cashback according to an embodiment.
2 is a block diagram illustrating a premium cashback providing apparatus according to an exemplary embodiment.
3 is a diagram illustrating an insurance premium cashback according to an embodiment.
4 is a flowchart illustrating a premium cashback providing method according to an exemplary embodiment.
5 is a flowchart illustrating a method of creating a cacheback group, according to an exemplary embodiment.
6 is a flowchart illustrating a conversion of a cashback group from a public group to a private group according to an embodiment.
7 is a diagram illustrating a cacheback group of a public group and a private group, according to an exemplary embodiment.
8 is a diagram for describing insurance premiums of policyholders accumulated in a cashback pool, according to an exemplary embodiment.
9 illustrates a guarantee pool for a plurality of cacheback groups according to an embodiment.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components unless otherwise stated.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

However, before describing this, the meanings of the terms used below are first defined.

Hereinafter, 'insurance' refers to automobile insurance, driver's insurance, fire insurance, damage insurance, theft insurance, life insurance, education insurance, death insurance, pension insurance, variable insurance, undisclosed medical insurance, illness insurance, injury insurance, travel insurance, In the event of accidents (including disasters, disasters, illnesses, etc.) such as child insurance and fetal insurance, it is possible to obtain relief within the scope of insurance based on the insurance premiums paid in advance.

'Self-pay' refers to the amount in which the policyholder pays a portion of the damage to the policyholder, not the insurance company, in the event of an accident. For example, in the case of auto insurance, the copayment is the amount owed to the policyholder by a percentage of the car damage.

The Cashback Group is a group that includes multiple policyholders. The cashback group may be generated by grouping a plurality of policyholders based on various conditions such as preset conditions, ages, regions, accident rates, or the like, or may be generated based on invitations or recommended policyholders. The cashback group may be divided into a public group and a private group depending on whether or not a policyholder can join. Therefore, the private group can join other insurance contractors by invitation or recommendation by the policyholders in the private group, and can be composed of desired members by consultation between the policyholders in the private group.

'Cacheback pool' may correspond to a cashback group, and may mean a method of managing a predetermined amount accumulated in insurance premium payment from an insurance policyholder in the cashback group or data for managing a predetermined amount accumulated. Cashback pools can earn premiums from insurers in the cashback group, and can be used as a resource to conserve a portion of the 'copayment' for handling the accidents of the policyholders in the cashback group. In addition, after a certain period of time, the refund amount may be calculated based on the remaining amount accumulated in the cashback pool. In this way, the refund amount calculated in the cashback pool may be provided in the form of a cashback to the policyholders of the corresponding cashback group in the cashback pool.

1 is a block diagram illustrating a system for providing a premium cashback according to an embodiment.

Referring to FIG. 1, the premium cashback providing system may include an premium cashback providing apparatus 10, user terminals 21, 22, and 23, and insurance company servers 31, 32, and 33.

The premium cashback providing apparatus 10 may be connected to the user terminals 21, 22, and 23 through the network N1. For example, a user using the user terminals 21, 22, and 23 may include an insurance contractor, an insurance agent, and an insurance agent, and may include an administrator who manages or operates the premium cashback providing apparatus 10. have.

The user terminals 21, 22, and 23 may be implemented on an electronic terminal including an interface for interacting with a user.

Here, the electronic terminal, for example, a computer or portable terminal, a television, a wearable device, a contactless control device, etc., which can be connected to a remote server through the networks N1 and N2 or can be connected to other terminals and servers. It can be implemented as. Here, the computer includes, for example, a laptop, desktop, laptop, etc., which is equipped with a web browser, and the portable terminal is, for example, a wireless communication device that ensures portability and mobility. , Personal Communication System (PCS), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Global System for Mobile communications (GSM), International Mobile Telecommunication (IMT) -2000, Code CDMA Division Multiple Access (2000), all types of handhelds such as W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (Wibro), Smart Phones, and Mobile Worldwide Interoperability for Microwave Access (WiMAX). It may include a (Handheld) based wireless communication device. In addition, the television may include an Internet Protocol Television (IPTV), an Internet Television (Internet Television), a terrestrial TV, a cable TV, or the like. Further, the wearable device is, for example, an information processing device of a type that can be worn directly on a human body such as a watch, glasses, accessories, clothes, shoes, etc., and is connected to a remote server or another terminal via a network directly or through another information processing device. It can be connected with.

The premium cashback providing apparatus 10 may be connected to the insurance company servers 31, 32, and 33 through the network N2. On the other hand, the premium cashback providing apparatus 10 may be connected to the insurance company server (31, 32, 33) by using a dedicated line applied with a security function to protect the personal information related to the insurance contract of the policyholder, and to increase the security.

The insurance company servers 31, 32, and 33 may be servers of an insurance company providing services for various insurance products. The insurance company servers 31, 32, and 33 are servers for managing information for providing the insurance service to the policyholder who paid the premium. In addition, the insurance company servers 31, 32, and 33 may store premiums according to the insurance contract from the policyholder, and may additionally store premiums from the cashback pool due to the occurrence of an accident of the policyholder.

Although not shown in FIG. 1, the insurance company servers 31, 32, and 33 may be directly connected to the terminals 21, 22, and 23 through the networks N1 and N2.

The premium cashback providing apparatus 10 accumulates a part of the amount of the insurance purchased from the policyholders, and then self-processes the cost for handling the accident from the insurance premiums accumulated when the policyholder's accident occurs. It is paid directly to the insurance company (in case of auto insurance, car repair shop, etc.), insurance company, etc.) or to the insured policyholder to recover a part of the copayment. To this end, the premium cashback providing apparatus 10 may generate a cashback group including at least one policyholder and accumulate at least a portion of insurance premiums of policyholders in the cashback group in a cashback pool corresponding to the cashback group.

Thereafter, the cash back providing apparatus 10 may provide the policyholder with a refund amount calculated on the basis of the accumulated residual insurance premium when the accumulated premium is returned. In this case, the premium cashback providing apparatus 10 may calculate a refund amount from the premiums accumulated in the cashback pool and provide the cashback method to the policyholders in the cashback group.

Therefore, the premium cashback providing apparatus 10 may provide the policyholder with the benefit of refunding the amount of the predetermined cost in the event of an accident-free payment. Therefore, the premium cashback providing apparatus 10 can reduce the premium of an accident-free insurance policyholder. In addition, the premium cashback providing apparatus 10 may refund more premiums to the policyholder as the accident rate by the policyholder in the same cashback group that has accumulated a portion of the premium is lower.

2 is a block diagram illustrating a premium cashback providing apparatus according to an exemplary embodiment.

Referring to FIG. 2, the premium cashback providing apparatus 10 may include a cashback group manager 110, a cashback earning unit 120, a cashback providing unit 130, and an insurance payment payment unit 140.

The cashback group manager 110 may generate a cashback group to include at least one policyholder. Here, the cacheback group may correspond to one cacheback pool for insurance premium cashback. The cashback group can be jointly credited by the policyholders in the cashback group and credited to the cashback pool. The cacheback group manager 110 may generate a plurality of cacheback groups, and a cacheback pool may be generated for each of the plurality of cacheback groups. However, the cacheback group manager 110 may correspond to a plurality of cacheback pools to one cacheback group or one cacheback pool to a plurality of cacheback groups as needed.

The cashback group manager 110 may set the cashback group as a public group and a private group to limit the participation of the policyholder, and may assign the policyholder as one of the public group and the private group based on the disclosure. Herein, the public group refers to a group in which a search of the cashback group is open and there is no restriction in joining so that the participation of the policyholder can be relatively freely generated compared to the private group. Private groups may be created by invitation or recommendation to engage policyholders trusted by policyholders in the cashback group, and only policyholders who meet the limited conditions of joining the cashback group may participate. For example, in the case of a private group, the cashback group manager 110 may allow the policyholder to join the private group by one of recommendation and invitation from at least one of the policyholders in the private group.

The cacheback group manager 110 may convert the cacheback group from the public group to the private group or the private group from the private group to the public group. For example, the cashback group management unit 110 recruits policyholders to the public group to increase the participation rate of the policyholders, and then the policyholders in the cashback group reach a preset number or switch from the preset number to a private group. You may switch to a private group if you have been agreed to. On the contrary, the cashback group management unit 110 may switch to the public group when the number of employees is less than the predetermined number of people due to the withdrawal of the policyholders in the cashback group, or when the predetermined number of people is agreed to switch to the public group.

The cashback group manager 110 may create a cashback group to include friends, acquaintances, and trusted members by a specific policyholder. Of course, the cashback group management unit 110 may receive information on whether to join the cashback group from the policyholder upon assignment, request, invitation, or recommendation to the cashback group. In addition, the cashback group management unit 110 may withdraw a policyholder requested to withdraw from the policyholder in the cashback group, and if there is a consent of a certain number or more in the cashback group, even if the policyholder does not request to withdraw You can leave.

The cashback group manager 110 may assign an insurance contractor who performs a new contract or an renewal contract of insurance to the cashback group, but may also assign an insurance policyholder who is subscribed to an existing insurance product to the cashback group. The cashback group management unit 110 may include the policyholder's age, gender, region of residence, accident history (or disease history, insurance payment history), insurance target information (for example, vehicle information (for vehicle insurance) and possession building). Cashback groups can be created by grouping policyholders with similar conditions based on information (for fire insurance)).

In addition, the cashback group manager 110 manages the insurance policyholders who have at least two insurances with similar conditions into the cashback group to include the policyholders who have contracted two or more insurances in one cashback group. You may. For example, when insurance contractors who have contracted driver's insurance and automobile insurance at the same time have similar conditions, the cashback group manager 110 may be included in one cashback group to accumulate in one cashback pool. Through this, the cashback group management unit 110 can be included in a single cashback group for the policyholders contracting multiple insurance, to facilitate the management by unifying the cashback pool to the policyholders who have contracted multiple insurance You may.

Cashback earning unit 120 accumulates at least a portion of the insurance premiums of the policyholders included in the cashback group in the cashback pool. For example, the cashback earning unit 120 may accumulate at least a part of the premiums in the cashback pool for all insurances for which self-pay is charged when an accident occurs.

To this end, the cashback earning unit 120 may accumulate at least a portion of the copayment-related costs included in the premium in the cashback pool. At this time, the cashback earning unit 120 may act as insurance on the condition that the highest copayment, and the amount corresponding to the difference between the premium of the highest condition and the lowest premium of the copayment as a cashback amount can do.

For example, the cashback earning unit 120, in the case of auto insurance, the amount corresponding to the difference between the premium premium (about 500,000 to about 2 million won) and the copayment (about 20%, about 30%) Can be credited to the cashback pool. To this end, the cashback earning unit 120 is to lower the premium premium for the policyholders in the cashback group (about 500,000 won), and to conclude a contract with the insurance company on the condition that the maximum copayment (about 30%) can do. Thereafter, the cashback earning unit 120 has a maximum premium premium (about 2 million won) and a minimum premium (about 20%) when the premium is minimal (about 500,000 won), and the maximum premium is about 500,000 won. (30%) can be credited to your cashback pool.

On the other hand, the cashback earning unit 120 may accumulate a portion of the premium of the policyholder in the cashback pool at the time of the insurance contract, that is, the payment of the premium. However, the cashback earning unit 120 may pay only the amount of the insurance premium of the policyholder, excluding the amount to be accumulated in the cashback pool. At this time, the cashback earning unit 120 when the insurance payment is required in the cashback pool, for example, when the payment of the amount accumulated in the cashback pool after the occurrence of an accident by the policyholder in the cashback group, the policyholder in the cashback group May request a deposit or payment of the amount to be credited to the cashback pool. Through this, the cashback accumulator 120 may receive a portion of the premiums to be credited to the cashback pool of the insurance premiums from the policyholder at the point in time when payment is required to the policyholder having an accident in the cashback pool.

The cashback provider 130 may calculate a refund amount of the cashback group based on a preset time point. Here, the preset time point may be the end of the preset period, that is, the end period, for the cacheback pool operation. For example, the cacheback provider 130 may be a preset point in time when the end of the operating period of the cacheback pool (end of year), for example, yearly (one year), December 31 is a preset time point, (3 months), March 31, June 30, September 30, December 31 may be the preset time, and if half year (6 months), June 30, 12 The month 31 may be a preset time point. Alternatively, the cacheback provider 130 may set a time point of 1 year, 6 months, 3 months, etc., as the end of the operation period of the cacheback pool, based on the creation date of the cacheback group.

The cashback provider 130 may cashback the refund amount to the policyholders of the cashback group. For example, the cashback provider 130 may be provided with a refund amount in cash form, or may be used to discount the premium by using it as a resource of the renewal premium for renewal of the existing insurance. The cashback provider 130 may provide the refund amount in the form of various coupons.

The cashback providing unit 130 may calculate a refund amount and calculate a ratio for each policyholder based on the membership of the cashback group when the refund amount exists. Thereafter, the cashback provider 130 may provide cash, premium discounts, coupons, etc. in the form of cashback to the policyholder by multiplying the refund amount by the ratio calculated for each policyholder.

The cashback provider 130 may calculate the refund amount of the cashback group based on the time of withdrawal and return the refund amount when the policyholder withdraws from the cashback group. That is, the cashback provider 130 may multiply the refund amount by the rate calculated by the policyholder, and calculate the refund amount based on the date until the withdrawal date based on the membership.

When the cashback pool 130 operates the cashback pool in the form of additional payment when the cashback pool is required, the cashback group does not have a refund amount, so the cashback group corresponding to the cashback pool is refunded. This may not occur. However, the policyholders in the cashback group paid the insurance premium by deducting the amount to be credited to the cashback pool when paying the premium, so there is no additional amount to pay to the cashback pool in case of an accident. Thus, it is possible to provide policyholders with the same effect as a refund using a cashback pool.

The insurance payment unit 140 may allow the insurance company to pay the remaining amount of the insurance premium of the policyholder included in the cashback group except the premium to be accumulated in the cashback pool. However, the insurance payment unit 140 may provide the user terminal 21, 22, 23 with the amount to be paid to the insurer, so that the policyholders can directly pay the premium except the amount to be accumulated in the cashback pool.

Meanwhile, the insurance payment unit 140 may pay the insurance based on the amount accumulated in the cashback pool when an accident occurs in the policyholder. If the insurance payment unit 140 is required to pay an amount of money in excess of the amount accumulated in the cashback pool, the insurance company may request to be processed by the insurance company. In addition, the insurance payment unit 140 may operate a separate guarantee pool to pay an amount exceeding the amount accumulated in the cashback pool. In this case, the guarantee pool may be operated by the amounts accumulated in the cashback pool or may be operated through subscription for a product for operating a separate guarantee pool, for example, insurance, guarantee, and other financial products to secure payment ability.

Such a premium cashback providing apparatus 10 may create a cashback group among policyholders who are receiving a similar type of insurance and accumulate some of the premiums in the cashback pool. When an accident occurs, the premium cashback providing apparatus 10 may pay a portion of a predetermined insurance premium or self-pay in the cashback pool to the insurance policyholder in which the accident occurred. If a refund amount exists in the cashback pool after a predetermined period has elapsed, the premium cashback providing apparatus 10 may divide and pay a refund amount to policyholders of the cashback group corresponding to the cashback pool.

Through this, the premium cashback providing apparatus 10 provides a benefit of further reducing the premium paid by the cashback pool when the incidence of accidents among the policyholders who have similar insurance contracts is low. can do. In addition, the premium cashback providing apparatus 10 may refund some of the premiums to the policyholders having a low accident rate, thereby reducing the premiums.

3 is a diagram illustrating an insurance premium cashback according to an embodiment.

Referring to FIG. 3, the premium cashback providing apparatus 10 operates a cashback pool 101 between the policyholder 20 and the insurance company 30.

The premium cashback providing apparatus 10 may receive the premium of the insurance desired to be subscribed from the policyholder 20 (S201).

The premium cashback providing apparatus 10 may pay the remaining amount excluding a part of the entire premium from the policyholder 20 to the insurer 30 who handles the insurance desired to be subscribed (S202).

As such, the premium cashback providing apparatus 10 may accumulate a portion of the insurance premium of the policyholder to the cashback pool 101 (S203). The premium cashback providing apparatus 10 groups the policyholders together with the cashback group and accumulates a certain amount in the cashback pool 101 from all the policyholders of the grouped cashback group.

For example, assuming that the premium paid from the policyholder 20 through step S201 is '100', the premium paid to the insurance company 30 in step S202 is '90', and the cashback pool 101 in step S203. The amount of money earned on the bank can be '10'.

When the premium cashback providing apparatus 10 needs to pay an additional premium (for example, a copayment) to an insurance company according to an accident occurrence, the premium cashback providing apparatus 10 may be paid using the amount accumulated in the cashback pool 101 (S204). If, in step S203 does not accumulate the amount to be accumulated in the cashback pool in advance, the premium cashback providing apparatus 10 may be additionally paid to accumulate in the cashback pool from all the policyholders in the cashback group when the accident occurs. To this end, the premium cashback providing apparatus 10 to pay only the premium of '90' based on the premium '100' at the time of the policyholder's insurance subscription, and to accumulate the remaining '10' premium in the cashback pool when an accident occurs To make a payment.

Therefore, when the premium cashback providing apparatus 10 is completed in the cashback pool from all the policyholders of the cashback group, the insurance that the accident occurred from the amount accumulated in the cashback pool according to the amount of the insurance or self-pay due to the accident occurred The contractor can be paid.

After the predetermined period has elapsed, the premium cashback providing apparatus 10 may return the refunded amount to the policyholder 20 in the form of a cashback if a refunded amount exists in the cashback pool 101 (S205).

Through this, the premium cashback providing apparatus 10 may receive the same insurance policy to the policyholder 20 by using the premium according to the existing insurance contract, and an accident or excessive insurance claim from the policyholder 20 in the cashback group is provided. If is not present, some of the premiums can be refunded or discounted to reduce the premiums. Moreover, policyholders are more careful to lower the accident rate for the occurrence of refunds, thereby reducing the social costs associated with insurance spending.

4 is a flowchart illustrating a premium cashback providing method according to an exemplary embodiment.

Referring to FIG. 4, the premium cashback providing apparatus 10 may generate a cashback group by grouping policyholders of a predetermined number of people (S310). The premium cashback providing apparatus 10 may generate a plurality of cashback groups for one insurance product, or may generate one or more cashback groups for each insurance product. For example, the premium cashback providing apparatus 10 may generate a plurality of cashback groups for auto insurance. As such, the premium cashback providing apparatus 10 may generate one or more cashback groups for each insurance according to the type of insurance, such as automobile insurance, driver insurance, fire insurance, and non-life insurance.

The premium cashback providing apparatus 10 may accumulate some of the premiums in the cashback pool (S320). For example, the premium cashback providing apparatus 10 may accumulate an amount generated on the basis of the difference of premiums classified according to the copayment in the cashback pool.

The premium cashback providing apparatus 10 may check whether the insurance payment reason has occurred in the cashback pool (S330). The premium cashback providing apparatus 10 checks whether an insurance payment reason such as an accident of an insurance policyholder in the cashback group has occurred. For example, the premium cashback providing apparatus 10 may provide a cashback pool for an accident that requires payment of a self-pay due to a vehicle accident or the like. In this case, the premium cashback providing apparatus 10 may provide all the copayments of the policyholders according to the accident in the cashback pool, but may charge a portion of the copayments to the policyholders. For example, in case of an accident in auto insurance, the premium is based on the premium when the premium is the highest (about 2 million won) and the minimum is about 20%. The difference between the premium and the premium when the threshold is minimum (about 500,000 won) and the maximum (about 30%) may be paid from the cashback pool.

If the insurance payment reason occurs in step S330, premium cashback providing apparatus 10 pays a portion of the insurance or self-pay due to the accident from the amount accumulated in the cashback pool (S340). The premium cashback providing apparatus 10 may pay a portion of insurance premiums or copayments to an insurer in which an accident occurs within the amount accumulated in the cashback pool, and for insurance premiums exceeding the amount accumulated in the cashback pool, insurance of the policyholder That is, it may request to be processed through an insurance company (insurer server).

On the contrary, if the premium payment reason does not occur in step S330, the premium cashback providing apparatus 10 proceeds to step S350.

The premium cashback providing apparatus 10 may determine whether a preset time point arrives at the cashback group (S350). The premium cashback providing apparatus 10 may set a preset time point to the same date (time) for all policyholders in the cashback group. For example, the predetermined time point may be variously set in quarterly, half-yearly, or yearly units, or may be set to a time point that satisfies a specific condition such as when the refunded amount is exhausted. At this time, the premium cashback providing apparatus 10 may be set to the same date (time) even when both the contract date or the insurance period (period of providing insurance benefits) of the policyholders in the cashback group are different. Alternatively, the premium cashback providing apparatus 10 may set different preset time points for each policyholder in the cashback group. For example, the premium cashback providing apparatus 10 may have a predetermined time elapsed based on the policyholder's insurance termination time, the policyholder's withdrawal request from the cashback group, any time designated by the policyholder, and the date of joining the cashback group. It may be set to various time points, such as the time point, and the time of accident of the policyholder.

In operation S350, when the premium cashback providing apparatus 10 reaches a preset time point, the premium cashback providing apparatus 10 calculates a refund amount of the cashback pool.

The premium cashback providing apparatus 10 calculates a refund amount of the cashback pool (S360). The premium cashback providing apparatus 10 may determine the remaining amount remaining in the cashback pool as the refund amount, and may determine the refund amount deducting an operation fee or the like according to the operation of the premium cashback providing apparatus 10.

The premium cashback providing apparatus 10 may provide a refund amount to the insurance contract in the cashback group and terminate (S370). The premium cashback providing apparatus 10 may set the refund amount in various ways in consideration of the subscription period based on the membership of the cashback group, the amount accumulated in the cashback pool, the presence or absence of an accident based on the membership of the cashback group, and the like. However, when the premium cashback providing apparatus 10 generates the cashback group based on the policyholders based on similar conditions, the premium cashback providing apparatus 10 may divide the refund amount to the policyholders at the same rate and finish the payment.

On the other hand, in step S350, if the premium cashback providing apparatus 10 does not reach a preset time point, the process proceeds to step S330 and after a predetermined time elapses, it is determined whether the premium payment reason in the cashback pool occurs.

5 is a flowchart illustrating a method of creating a cacheback group, according to an exemplary embodiment.

Referring to FIG. 5, the premium cashback providing apparatus 10 receives information related to membership registration from a user and registers to generate a cashback group (S311).

The premium cashback providing apparatus 10 calculates a premium of a registered user (S312). To this end, the premium cashback providing apparatus 10 may receive information related to insurance desired to be subscribed to from the user.

The premium cashback providing apparatus 10 determines whether the user who calculated the premium is an invited user (S313).

As a result of the determination in step S313, when the invited user, the premium cashback providing apparatus 10 is set as a cashback group of the private group and proceeds to step S316 (S314).

On the contrary, if it is determined in step S314 that the user is not an invited user, the premium cashback providing apparatus 10 sets the cashback group of the public group and proceeds to step S316 (S315).

The premium cashback providing apparatus 10 may assign a user set to one of the public group and the private group to the cashback group, and complete the insurance subscription. At this time, the user who is insured becomes an insurance contractor.

The premium cashback providing apparatus 10 joins the policyholder to the cashback group and proceeds to step S320 (S317).

6 is a flowchart illustrating a conversion of a cashback group from a public group to a private group according to an embodiment.

Referring to FIG. 6, the premium cashback providing apparatus 10 may send an invitation message for participation from a policyholder in a public group to a public group to another policyholder (S410). At this time, the premium cashback providing apparatus 10 may be sent to other insurance policyholders satisfying various conditions such as acquaintances (family, lovers, friends, colleagues) of the policyholder, former cashback group members, policyholders with a low accident rate. In addition, the premium cashback providing apparatus 10 may send an invitation message for requesting an invitation to a cashback group with the recommendation of insurance.

The premium cashback providing apparatus 10 determines whether the policyholders corresponding to the predetermined number of persons participate (S420). For example, if the premium cashback providing apparatus 10 sets the number of persons to five, it determines whether five insurance policyholders participate.

As a result of the determination in step S420, when the policyholder corresponding to the predetermined number of persons participates, the premium cashback providing apparatus 10 checks whether there is an agreement to switch to a private group more than the predetermined number of persons (step S430). For example, when there are five participants in the cashback group, the premium cashback providing apparatus 10 may determine whether there is a switching agreement from more than three persons to the private group.

However, as a result of the determination in step S420, if the policyholder corresponding to the predetermined number of persons does not participate, the premium cashback providing apparatus 10 proceeds to step S420 after waiting a predetermined time. In addition, although not shown, the premium cashback providing apparatus 10 may proceed to step S410 to additionally invite another insurance policyholder.

As a result of checking in step S430, when the predetermined number or more agrees to switch to the private group, the premium cashback providing apparatus 10 switches the cashback group to the private group (S440). For example, when three or more persons in the cashback group consisting of five insurance contractors agree to switch to a private group, the premium cashback providing apparatus 10 may convert the cashback group into a private group.

The premium cashback providing apparatus 10 may determine whether to send an invitation message for participation in a private group (S450).

The premium cashback providing apparatus 10 sends an invitation message to the policyholder for participation in a private group and ends (S450).

As a result of checking in step S430, if less than the predetermined number of people does not agree to switch to a private group, the premium cashback providing apparatus 10 maintains the state of the cashback group as the current public group and ends.

7 is a diagram illustrating a cacheback group of a public group and a private group, according to an exemplary embodiment.

Referring to FIG. 7, the premium cashback providing apparatus 10 may generate a cashback group 510 set as a public group by a subscription of a first policyholder 501 and a request for creating a cashback group.

The premium cashback providing apparatus 10 may send an invitation message to the second policyholder 502 to the fifth policyholder 505 to join the public group. In this case, the premium cashback providing apparatus 10 may send the invitation message at the request of the first policyholder 501 or may set the premium cashback providing apparatus according to a rule set in the premium cashback providing apparatus 10.

If more than a certain number of the first policyholder 501 or the fifth policyholder 505 agree or a predetermined condition (for example, completion of a certain number of invitations) is satisfied, the public group may be converted into a private group. Can be.

In this case, the premium cashback providing apparatus 10 may accumulate some of the insurance premiums of the policyholders in the cashback pool 521 of the cashback group 520 set as a private group.

8 is a diagram for describing insurance premiums of policyholders accumulated in a cashback pool, according to an exemplary embodiment.

Referring to FIG. 8, the premium cashback providing apparatus 10 may store a predetermined premium in the cashback pool 612 based on the automobile insurance.

The premium cashback providing apparatus 10 may calculate a million won as a result of calculating the initial subscription premium 610 of the policyholders in the cashback group. At this time, the premium cashback providing apparatus 10 is calculated based on the insurance product having the lowest copayment, the ratio of about 20%. In case of accidents, the insurance premium is based on a material premium of about 2 million won. The copayment is a minimum amount of 200,000 won and a maximum amount of 500,000 won.

The premium cashback providing apparatus 10 pays premiums 611 on the basis of insurance products having the highest copayment and a ratio of about 30% when the premiums are paid. In the case of an insurance product, the premium premium is guaranteed at 500,000 won, the copayment is a minimum amount of 300,000 won, and the maximum amount may be 1 million won.

In this way, the premium cashback providing apparatus 10 is a cashback pool (100,000 won) generated by the difference between the premium premium (90 million won) with the lowest copayment and the premium premium (900,000 won) with the highest copayment ( 612).

Accordingly, the premium cashback providing apparatus 10 forms a cashback group, and subscribes to insurance products in which the premium premium is differentiated based on the self-pay from insurance contractors included in the cashback group. Thereafter, the premium cashback providing apparatus 10 may provide a part of the insurance money or the copayment to the insurance policyholder in which the accident occurred in the cashback pool 612 when the accident occurs.

If the premium cashback providing apparatus 10 does not cause an accident, the amount accumulated in the cashback pool may be distributed to the policyholders of the cashback group at a point in time.

9 illustrates a guarantee pool for a plurality of cacheback groups according to an embodiment.

Referring to FIG. 9, a guarantee pool 700 may be referred to as a guarantee pool, and may be used to preserve a certain cost when a balance is insufficient in each cashback pool 701, 702, and 703.

The guarantee pool 700 may accumulate some of the amounts that users earn in the cashback pool into the guarantee pool. In addition, the security pool 700 may be secured by subscribing a product (insurance, guarantee, other financial products, etc.) to preserve a predetermined amount.

The premium cashback providing apparatus 10 may operate a plurality of cacheback pools, and for example, may correspond to the first cacheback pool 701 and the second cacheback group 720 corresponding to the first cacheback group 710. The third cacheback pool 703 corresponding to the second cacheback pool 702 and the third cacheback group 720 may be operated.

The first cashback pool 701 may receive some of the premiums from the policyholders of the first cashback group 710. The second cashback pool 702 may earn some of the premiums from the policyholders of the second cashback group 720. The third cashback pool 703 may earn some of the premiums from the policyholders of the third cashback group 730.

The insurance cashback providing apparatus 10 may additionally pay an insurance premium when an accident occurs in the accumulated cashback pools 701, 702, and 703, but a shortage of the amount accumulated in the cashback pools 701, 702, and 703 may occur. .

To this end, the cacheback providing apparatus 10 may operate the guarantee pool 700, and if it is necessary to spend premiums in excess of the amount accumulated in the cashback pools 701, 702, and 703, the guarantee pool 700 You can also save money.

This, the guarantee pool 700 may be used to secure the ability to pay additional premiums, and is not used as a resource for the cashback pool. Thus, the guarantee pool 700 is operated to prepare for charges in excess of the amount accumulated in the cashback pool.

The premium cashback providing method according to the embodiment described with reference to FIG. 4 may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by the computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transmission mechanism, and includes any information delivery media.

In addition, the premium cashback providing method according to an embodiment of the present invention may be implemented as a computer program (or computer program product) containing instructions executable by a computer. The computer program includes programmable machine instructions processed by the processor and may be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language. . The computer program may also be recorded on tangible computer readable media (eg, memory, hard disks, magnetic / optical media or solid-state drives, etc.).

Therefore, the premium cashback providing method according to an embodiment of the present invention can be implemented by executing the computer program as described above by the computing device. The computing device may include at least a portion of a processor, a memory, a storage device, a high speed interface connected to the memory and a high speed expansion port, and a low speed interface connected to the low speed bus and the storage device. Each of these components are connected to each other using a variety of buses and may be mounted on a common motherboard or otherwise mounted in a suitable manner.

Here, the processor may process instructions within the computing device, such as to display graphical information for providing a graphical user interface (GUI) on an external input, output device, such as a display connected to a high speed interface. Instructions stored in memory or storage. In other embodiments, multiple processors and / or multiple buses may be used with appropriately multiple memories and memory types. The processor may also be implemented as a chipset consisting of chips comprising a plurality of independent analog and / or digital processors.

The memory also stores information within the computing device. In one example, the memory may consist of a volatile memory unit or a collection thereof. As another example, the memory may consist of a nonvolatile memory unit or a collection thereof. The memory may also be other forms of computer readable media, such as, for example, magnetic or optical disks.

In addition, the storage device can provide a large amount of storage space to the computing device. The storage device may be a computer readable medium or a configuration including such a medium, and may include, for example, devices or other configurations within a storage area network (SAN), and may include a floppy disk device, a hard disk device, an optical disk device, Or a tape device, flash memory, or similar other semiconductor memory device or device array.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the above description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

10: device for providing a premium cashback
21, 22, 23: user terminal
31, 32, 33: insurance company server
110: cashback group management unit 120: cashback earning unit
130: cashback provider 140: insurance payment unit

Claims (23)

A cacheback group manager for managing a cacheback group;
A cashback earning unit for accumulating at least a part of insurance premiums of the policyholders included in the cashback group in a cashback pool; And
A cashback providing unit configured to calculate a refund amount of the cashback pool at a preset time point based on the premium payment details of the accumulated cashback pool, and provide the refund amount to a policyholder in the cashback group;
The cashback earning unit,
The insurance company provides insurance services to the insurers of the cashback group under the highest copayment, and the insurers of the cashback group have the highest premium and the lowest copayment. Device for providing a premium cashback that accumulates in the cashback pool an amount corresponding to the difference between the premiums. The method of claim 1,
The cacheback group manager,
And a cashback group for classifying the cashback group into a public group and a private group, and allocating the policyholder to one of the public group and the private group. The method of claim 2,
The cacheback group manager,
The premium cashback providing apparatus for switching to the private group, if the policyholder more than the predetermined number of persons in the public group agrees to switch to the private group. The method of claim 2,
The cacheback group manager,
In the case of the private group, premium cashback providing apparatus to subscribe the policyholder by one of the recommendation and invitation from at least one of the policyholders in the private group. delete delete delete The method of claim 1,
The cacheback provider,
A premium cashback providing apparatus for calculating a refund amount of the cashback group based on a preset time point and cashing back to the policyholders of the cashback group based on the refund amount. The method of claim 8,
The cacheback provider,
A premium cashback providing apparatus for calculating a ratio on the basis of membership as a member of a cashback group of each policyholder in the cashback group, and multiplying the refund amount by the ratio to cache the refund amount. The method of claim 8,
The cacheback provider,
The insurance cashback providing apparatus for calculating the policy to return to the insurance policyholders within the cashback group from the cashback group, based on the refund amount at the time of withdrawal. The method of claim 9,
The cacheback provider,
And a premium cashback providing apparatus for updating the insurance contract by the cashback group based on the refund amount to a user having the refund amount at the preset time point. The method of claim 1,
The premium cashback providing apparatus,
In the event that the insurance is to be paid due to the accident of the policyholders included in the cashback group or a copayment occurs, the insurance payer that pays a premium from the cashback pool or a portion of the copayment to the policyholder who the accident occurred; Premium cashback provider. The method of claim 12,
The cashback earning unit,
After the occurrence of the accident premium cashback providing apparatus for receiving an amount to be credited to the cashback pool from all insurance contractors included in the cashback group. In the premium cashback providing method of the premium cashback providing apparatus,
Creating a cacheback group;
Accumulating at least a portion of the insurance premiums of the policyholders included in the cashback group in the cashback pool;
Calculating a refund amount of the cashback pool at a preset time point based on the premium payment details of the accumulated cashback pool; And
Providing the refunded amount to a policyholder in the cashback group;
Accumulating at least a portion of the premium in the cashback pool,
Acting for insurance under the condition that the copayment is highest for the policyholder of the cashback group to the insurer providing the insurance service; And
And depositing an amount corresponding to the difference between the premium with the highest copayment and the lowest premium with the cashback pool for the policyholders of the cashback group. The method of claim 14,
Creating the cacheback group,
Dividing the cacheback group into a public group and a private group according to whether the cache back group is public;
A premium cashback providing method for allocating the policyholder to one of the public and private groups. The method of claim 15,
Creating the cacheback group;
If the policyholder more than the predetermined number of people in the public group agrees to switch to a private group, the method further comprises switching to a private group. delete delete The method of claim 14,
Providing the refund amount to the policyholder in the cashback group,
Calculating a refund amount of the cashback group based on a preset time point;
Calculating a ratio based on membership as a member of a cashback group of each policyholder in the cashback group; And
And cashing back the refund amount by multiplying the refund amount by the ratio. The method of claim 14,
The premium cashback providing method,
Insurance premiums are to be paid due to the accident of the policyholders included in the cashback group or if a copayment occurs, the insurance premiums further comprising the step of paying a premium or a portion of the copayment to the policyholder who caused the accident How to provide a cacheback. The method of claim 20,
In the cashback pool paying a premium or a portion of the copayment,
Receiving an amount to be accumulated in the cashback pool from all insurance contractors in the cashback group after the occurrence of the accident; And
When the credit is completed in the cashback pool, premium cashback providing method comprising the step of paying a portion of the insurance or self-pay due to the occurrence of the accident in the cashback pool to the policyholder in which the accident occurred. A computer-readable recording medium having recorded thereon a program for performing the method of claim 14. A computer program executed by a premium cashback providing apparatus and stored in a recording medium for performing the method of claim 14.

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