KR102028810B1 - One-stop service method for insurance product design and subscription using online messenger chatter robot, and system for the same - Google Patents

Abstract

The present invention relates to a one-stop service method for designing and joining an insurance product using an online messenger chatbot, and a system for performing the same, whereby the first verification is performed through a chatbot service for various insurance products. Later, by providing the one-stop service from the recommendation to the subscription of the insurance product with the second precision with the consent of the user's information, the user can prevent the risk of damage due to the wrong insurance product subscription and termination, as well as the user's smart device. It provides the effect to increase the compatibility with the chatbot application provided by.

Description

One-stop service method for insurance product design and subscription using online messenger chatter robot, and system for the same}

The present invention relates to a one-stop service method for insurance product design and subscription using an online messenger chatbot, and a system for performing the same. More specifically, a robot and a person called a chatbot (hereinafter referred to as 'chatbot') One-stop for insurance product design and subscription using an online messenger chatbot to provide one-stop service from insurance product design to subscription based on artificial intelligence (AI). It relates to a service method and a system for performing the same.

To prepare for the unpredictable risk of accidents or accidents in the future, insurance is formed to prepare common property by disbursing money in advance for many people who are at high risk of the same kind of accidents, accidents, and old age. It is an economic system that receives property benefits when payment events occur.

In addition to complex society, the types of insurance products are also diversifying to meet the needs of various consumers and create new profit models. As the types of insurance products diversify, not only their current situation but also their unpredictable situation should be considered when joining each newly developed insurance product.

Republic of Korea Patent Application No. 10-2014-0085038 "METHOD AND APPARATUS FOR PROVIDING INSURANCE SALES INFORMATION"

The present invention is to solve the above problems, and after the first verification through the chatbot service for a variety of insurance products and services of various types, after recommending the insurance products with improved accuracy to the second by obtaining the user's information By providing a one-stop service up to the subscription, it provides a one-stop service method for designing and joining insurance products using an online messenger chatbot to prevent the risk of damages caused by incorrect insurance product subscription and termination. It is to.

In addition, the present invention is to provide a one-stop service method for insurance product design and subscription using an online messenger chatbot to increase the compatibility with the chatbot application provided by the user smart device, and a system for performing the same.

However, the objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, a one-stop service method for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention, the user smart device 100 via the network 200, the online messenger server 300 ), Enter your account and password into the online messenger server 300, and receive an online messenger chatbot service through an online messenger chatbot service request to receive an online messenger chatbot. A first step of outputting a chat robot service UI screen provided by the service; The online messenger server 300 examines insurance product preferences in a query and response format based on the chatbot service by the user smart device 100, and then transmits the data to the AI big data collection server 400 through the network 200. A second step of receiving a selection signal for one of the insurance products from the user smart device 100 by providing a plurality of insurance products matching the and to the user smart device (100); A third step of the on-line messenger server 300 requesting a premium calculation by providing selected insurance product information to the insurance company rule server 500 through the network 200 to receive the calculated premium; A fourth step of the online messenger server 300 providing the insurance information calculated in the third step on the chatbot service to the user smart device 100 via the network 200 as a UI screen; When the online messenger server 300 requests cancellation refund information by the smart device 100 by the user smart device 100, the network 200 is requested by the insurance policy server 500 for cancellation payment information for the selected insurance product by the insurance premium due date and payment amount. After receiving the cancellation refund information, the refund information is provided to the user smart device 100 through the network 200 as a chat screen service-based payment due UI screen, the online messenger server 300 is the user smart device 100 Pension amount example information according to the interest rate change due to the premium payment due date and payment amount and the current interest rate through the network 200 to request the pension amount example information for the selected insurance product to the insurance company rule server 500 according to the request After receiving, based on the chatbot service to the user smart device 100 through the network 200 A fifth step of providing pension amount example information to a UI screen for each payment due date; Characterized in that it comprises a.

In this case, in the one-stop service method for insurance product design and subscription using the online messenger chatbot according to another embodiment of the present invention, after the fifth step, the online messenger server 300 establishes a network based on the chatbot service. A sixth step of requesting an agreement for processing user information to the user smart device 100 to receive the information processing agreement; The online messenger server 300 receives customer information (including age, gender, marital status, parental status, email, and mobile number information) for online messenger authentication from the user smart device 100 through the network 200 based on the chatbot service. A seventh step of storing the customer information in the database 330 by matching the user account received in the first step after receiving the received account; And the online messenger server 300 performs the customer verification through the online messenger authentication for the user of the smart device 100 using the contact information (email and mobile number information) among the customer information input in the seventh step based on the chatbot service. An eighth step; It characterized in that it further comprises.

In addition, the one-stop service method for insurance product design and subscription using the online messenger chatbot according to another embodiment of the present invention, after the ninth step, the online messenger server 300 is based on the chatbot service insurance company customer information DB Job search is performed for a user who operates the user smart device 100 through a request to the server 600, and the user smart device 100 is operated through a request to the insurance company customer information DB server 600 based on the chatbot service. A tenth step of performing an address search for the user; The online messenger server 300 generates the insurance design details by reflecting the customer information and the job for the pension amount for the selected insurance product, the cancellation refund information for the selected insurance product, and then generates the generated insurance design details in the tenth step. An eleventh step of generating the searched address information and storing it in the database 330; The on-line messenger server 300 is configured to inform the user smart device 100 through the insurance company examination server 700 based on the chatbot service before the contract notification notice for the insurance design details generated in the eleventh step through the network 200. A twelfth step; A thirteenth step of the insurance company examination server 700 performing an insurance design history document verification process for the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300; An insurance company examination server 700 transmitting the subscription design information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300; A fifteenth step in which the insurance company examination server 700 transmits product description information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300; An insurance company examination server 700 transmitting the comparison guide information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300; An insurance company examination server 700 transmitting the subscription information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300; An eighteenth step in which the insurance company examination server 700 transmits the terms and conditions information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300; The user smart device 100 inputs payment information according to the insurance design history document based on the chatbot service provided by the online messenger server 300 and provides the insurance information to the insurance company examination server 700. A nineteenth step of undergoing an online messenger authentication process based on a chatbot service provided by the online messenger server 300; And the user smart device 100 performs an online pay payment to the online messenger server 300 through the network 200 based on the chatbot service provided by the online messenger server 300, and performs insurance subscription according to the insurance design detail document. A twentieth step to complete; It characterized in that it further comprises.

In addition, the one-stop service method for insurance product design and subscription using an online messenger chatbot according to another embodiment of the present invention, after the 20th step, the online messenger server 300 is provided by the online messenger server 300. Transceiver 310 to transmit and store not only the survey details, but also insurance design dialogue platform-based conversation history through the network 200 to the AI big data collection server 400 through the chatbot service based on the chatbot service A twenty-first step of controlling the information to be utilized for artificial intelligence design assurance analysis; It characterized in that it further comprises.

The one-stop service method for designing and joining an insurance product using an online messenger chatbot according to an embodiment of the present invention, and a system for performing the same, are first verified through a chatbot service for insurance products of various types and services. Thereafter, by providing the user's information with the consent of the insurance product, the one-stop service from the recommendation to the enrollment of the second-high precision insurance product is provided, thereby providing an effect of preventing the risk of damage caused by the wrong insurance product subscription and termination.

In addition, the one-stop service method for insurance product design and subscription using an online messenger chatbot according to another embodiment of the present invention, and a system for performing the same, can improve the compatibility with a chatbot application provided by a user smart device. Provide effect.

1 is a diagram illustrating a one-stop service system for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention.
Figure 2 is a block diagram showing the components of the online messenger server 300 of the one-stop service system for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention.
Figure 3 is a block diagram showing the components of the online messenger server 300 of the one-stop service system for insurance product design and subscription using an online messenger chatbot according to another embodiment of the present invention.
4 is a flowchart illustrating a one-stop service method for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention.

Hereinafter, the detailed description of the preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted when it is deemed that they may unnecessarily obscure the subject matter of the present invention.

In the present specification, when one component 'transmits' data or a signal to another component, the component may directly transmit the data or signal to another component, and through at least one other component. This means that data or signals can be transmitted to other components.

1 is a diagram illustrating a one-stop service system for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention. Referring to FIG. 1, the one-stop system for insurance product design and subscription using an online messenger chatbot includes a user smart device 100, a network 200, an online messenger server 300, and an AI big data collection server 400. The insurance company rule server 500, the insurance company customer information DB server 600, and the insurance company examination server 700 may be included.

The user smart device 100 is a device that provides an Internet service including Internet data to a user through a wireless link, which is a comprehensive concept of portable devices. That is, mobile phone, wireless terminal, PDA (Personal Digital Assistant), GSM (Global System for Mobile) phone, W-CDMA (Wideband CDMA) phone, CDMA-2000 phone, Mobile Broad and System (MBS) phone, Portable Multimedia (PMP) Player, handheld computer, such as a multimedia phone and a multimedia player.

The network 200 is a communication network that is a high-speed network of a large communication network capable of large-capacity, long-distance voice and data services, and may be a next-generation wireless network for providing Internet or high-speed multimedia service. When the network 200 is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. An example of an asynchronous mobile communication network is a communication network of a wideband code division multiple access (WCDMA) scheme. In this case, although not shown in the figure, the network 200 may include a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is taken as an example, it may be an IP network based on a next generation communication network such as 3G LTE network, 4G network, 5G, or other IP. The network 200 includes a user smart device 100, an online messenger server 300, an artificial intelligence big data collection server 400, an insurance company rule server 500, an insurance company customer information DB server 600, and an insurance company review server ( 700), and serves to mutually transfer signals and data between systems.

Figure 2 is a block diagram showing the components of the online messenger server 300 of the one-stop service system for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention. 2, the online messenger server 300 includes a transceiver 310, a controller 320, and a database 330. The controller 320 includes a chat robot providing module 321 and an insurance product. The provision module 322, the insurance design details provision module 323, and the payment and monitoring module 324 may be provided.

Here, the chatbot providing module 321 is based on the insurance design dialogue platform provided by the artificial intelligence big data collection server 400, and at the request of the user smart device 100, the user smart device 100 and the artificial intelligence big data. While relaying the chat robot service between the collection servers 400, keywords related to insurance (such as insurance plans, insurance products, etc.), such as insurance design, insurance inquiry, and insurance, are displayed in the chat robot service providing window implemented in the user smart device 100. And, when the identification letters (?, Inquiry, etc.) meaning the question is input at the same time, the account information of the user smart device 100 at the time of access (access) to the online messenger server 300 is insured in the database 330 Can be stored with related keywords.

Thereafter, the chatbot providing module 321 controls the transceiver 310 to transmit category information classified by insurance premium, insurance product, etc., to the AI big data collection server 400 through the network 200. To receive the query content for each category for insurance product subscription provided by the artificial intelligence big data collection server 400, and to provide the provided query content to the user smart device 100 to receive an answer for each query content. Control the transceiver 310.

That is, the chatbot providing module 321 examines insurance product preferences among a plurality of insurance products in a query and response format according to the category information, and then transmits the preference survey details to the AI big data collection server 400 through the network 200. After controlling the transmitter / receiver 310 to transmit, at least one insurance product matching the preference survey details is received from the AI big data collection server 400 and delivered to the user smart device 100 to transmit the user smart device 100. Control the transceiver 310 to receive a selection signal for one of the insurance products.

The insurance product providing module 322 transmits the insurance product information selected by the user to the insurance company rule server 500 through the chat robot service provided by the chatbot providing module 321 to the user smart device 100. In this manner, the transceiver 310 to transmit selected insurance product information corresponding to the selection signal provided from the chatbot providing module 321 through the network 200 to the insurance company rule server 500 through the network 200. ). Thereafter, the insurance product providing module 322 induces a chat participation in the insurance company rule server 500 with the chat robot service provided by the robot providing module 321, and corresponds to insurance product information in the insurance company rule server 500. Controls the transceiver 310 to provide the user smart device 100 with a chat robot service UI screen for requesting a premium calculation of the insurance product for each subscription period to receive the calculated premium. To this end, the insurance company rule server 500 preferably stores a premium per subscription period for each insurance product in advance.

That is, the insurance product providing module 322 transmits and receives the transmitting and receiving unit 310 to provide the premium information, which is calculated from the insurance company rule server 500 to the user smart device 100 via the network 200 to the chat robot service UI screen. To control.

Meanwhile, the insurance product providing module 322 transmits the cancellation refund information request for the selected insurance product to the insurance company rule server 500 through the network 200 according to the cancellation refund information request by the user smart device 100, and then the insurance company. After receiving the premium payment due date and cancellation refund information for each payment amount from the rule server 500, the transmission and reception unit to provide the refund information to the chat robot service UI screen by the payment period to the user smart device 100 through the network 200 ( 310 may be controlled.

In addition, the insurance product providing module 322 transmits the pension amount example information request for the selected insurance product to the insurance company rule server 500 through the network 200 in response to the pension amount example information request by the user smart device 100, and then the insurance company After receiving the pension amount example information according to the premium payment due date and payment amount from the rule server 500 and the interest rate change from the current interest rate, the pension amount example information is chatted to the user smart device 100 through the network 200 by the due date. The transceiver 310 may be controlled to provide the robot service UI screen.

The insurance design history providing module 323 collects user information for precisely providing a change value according to each customer information to premium information on the selected insurance product, and the user to the user smart device 100 through the network 200. The controller controls the transceiver 310 to receive the information processing agreement by requesting the consent for the information processing on the chat robot service UI screen.

Subsequently, the insurance design history providing module 323 stores customer information (age, gender, marital status, parental status, e-mail, mobile number information, etc.) for online messenger authentication of the user who operates the user smart device 100 (network information). After receiving from the user smart device 100 using the chat robot service UI screen through 200, it is input through the chatbot providing module 321 and matched with the user account stored in the database 330 to store the customer information together. .

The insurance design details providing module 323 is online through a personal authentication form through the transmission of an encrypted character through the network 200 for the user of the user smart device 100 using a contact such as e-mail and mobile number information among the inputted customer information. The messenger authentication may control the transceiver 310 to perform customer confirmation on the chat robot service UI screen.

The insurance design history providing module 323 provides the user information (age, gender, marital status, parental status, e-mail, mobile number information, etc.) of the user who is provided by the user smart device 100 and has received consent to process information. Question provided by the chatbot provision module 321 on the chat robot service UI screen to find a job for a user who operates the user smart device 100 through a job search request together with the insurance company customer information DB server 600 connected with the insurance company. Control the transceiver 310 to perform in response to the.

In addition, the insurance design history providing module 323 is provided by the user smart device 100 to receive the customer information (age, gender, marital status, parental status, e-mail, mobile phone number information, etc.) of the user who has received the consent to the information processing network ( The chatbot providing module 321 provides an address search for a user who operates the user smart device 100 through a request for address search together with the insurance company DB information 600 connected to the insurance company 200. The transmitter / receiver 310 is controlled to perform in response to a question.

The insurance design details providing module 323 generates the insurance design details reflecting the customer information and the occupation for the pension amount for the selected insurance product, the cancellation refund information for the selected insurance product, and then searches for the generated insurance design details. The information may be generated along with the information and stored in the database 330.

Billing and monitoring module 324 via the network 200 to the insurance company review server 700, the pre-contract notification notification to the user smart device 100 for the insurance design history generated by the insurance design history providing module 323 In order to provide a chat robot service provided by the chatbot providing module 321 between the insurance company review server 700 and the user smart device 100 to perform the request, the request for participation in the chat robot service to the insurance company review server 700 is requested. The transceiver 310 may be controlled to receive the response.

Accordingly, the insurance company examination server 700 performs an insurance design history document checking process for the user smart device 100 through the network 200 based on the chat robot service, and sequentially joins the user smart device 100. It transmits design information, product description information, comparison notice information, subscription information and terms and conditions information.

Meanwhile, when the payment and monitoring module 324 recognizes that the insurance company examination server 700 completes the transmission of the terms and conditions information on the chat robot service, the payment information monitoring method according to the insurance design history document is chatted to the user smart device 100. After controlling the transceiver 310 to transmit and store the payment information received by the request on the robot service to the insurance company examination server 700, the chat robot performs an online messenger authentication process for insurance payment for the user smart device 100. Output to the UI screen on the service.

Accordingly, the payment and monitoring module 324 performs an online pay payment through the network 200 to the user smart device 100 on the chat robot service, thereby completing the insurance subscription according to the insurance design details document, and then executing a database ( After storing in 330, the transceiver 310 is controlled to perform insurance sales monitoring for the user smart device 100 on the chat robot service again through the network 200.

More specifically, the payment and monitoring module 324 provides an automated questionnaire service for the user smart device 100 through an online messenger service or a chatbot messaging service, and then sends the questionnaire history to the AI big data through the network 200. The transmission and reception unit 310 may be controlled to transmit and store the collection server 400.

In addition, the payment and monitoring module 324 is not only a survey history for the user smart device 100 through an online messenger service or a chatbot messaging service, but also a communication history based on the insurance design dialogue platform through the network 200. By controlling the transceiver 310 to be transmitted to and stored in the data collection server 400, it can be utilized for artificial intelligence design assurance analysis.

Figure 3 is a block diagram showing the components of the online messenger server 300 of the one-stop service system for insurance product design and subscription using an online messenger chatbot according to another embodiment of the present invention. Referring to FIG. 3, the online messenger server 300 may include a chatbot providing module 321, an insurance product providing module 322, and an insurance design detail providing module 323 constituting the control unit 320 in FIG. 2. In addition to the payment and monitoring module 324, it may further include an app analysis module 325, a code conversion module 326, a conversion history providing module 327.

When the app analysis module 325 determines that the user's smart device 100 is not compatible with the online messenger version of the chatbot application provided as an additional service of the online messenger in the online messenger server 300, it may not be professionally installed. Analyze code information of chatbot application among installation review data and chatbot application information.

The code conversion module 326 generates a chatbot application in which the add-in is reduced through code reconstruction for reducing the add-on in the chatbot application when the code information analysis of the chatbot application of the app analysis module 325 is completed. Here, the reduction of the additional function is a concept that includes not only a function provided as an option except the main function of the chatbot application, but also a text-based reconstruction by deleting images and videos.

The code conversion module 326 controls the transmitter / receiver 310 to transmit the chatbot application of which the additional function is reduced to the user smart device 100 through the network 200, so that the user smart device 100 is separated from the online messenger. By installing it as a standalone chatbot application, the chatbot application can run regardless of the version of the online messenger.

The conversion history providing module 327 is a version of the operating system (OS) of the user smart device 100 on which the online messenger is installed, and a version of the chatbot application to be provided to the user smart device 100, and the chatbot application that is matched with both. If the version is not in the database 330 but the chatbot application matching the at least one of the online messenger and the OS is extracted, and the extracted chatbot application does not match the OS version, the OS update information request is made to the OS program providing server. Receiving the OS updater through the information, and encrypts the chatbot application matched at the time of the OS updater information with one to provide the transceiver 310 to provide the encrypted data to the user smart device 100 via the network 200 Can be.

On the other hand, the conversion history providing module 327 is a chatbot that matches both the version of the operating system (OS) of the user smart device 100 installed with the online messenger, and the version of the chatbot application to be provided to the user smart device 100, If the version of the application is not in the database 330, but there is a chatbot application that matches at least one of the online messenger and the OS, after extracting the chatbot application, if the extracted chatbot application does not match the online messenger, After extracting the online messenger updater information from the database 330, encrypting the chatbot application matched with the extracted online messenger updater as one to provide encrypted data to the user smart device 100 through the network 200. Transceiver 310 It may provide.

4 is a flowchart illustrating a one-stop service method for insurance product design and subscription using an online messenger chatbot according to an embodiment of the present invention. Referring to FIG. 4, the user smart device 100 accesses the online messenger server 300 through the network 200, enters an account and a password into the online messenger server 300, and then enters an online messenger chatbot ( By receiving an online messenger chatbot service through a chatter robot service request (S11), steps S12 to S33 are provided on the chat robot service UI screen provided by the online messenger chatbot service. Do it all.

After step S11, the online messenger server 300 investigates insurance product preferences in a query and response format based on the chatbot service by the user smart device 100, and then, through the network 200, an artificial intelligence big data collection server ( By providing a plurality of insurance products matched with the user to the user smart device 100 by transmitting to 400, a selection signal for one of the insurance products is received from the user smart device 100 (S12).

After the step S12, the online messenger server 300 provides the selected insurance product information to the insurance company rule server 500 through the network 200, requests a premium calculation, and receives the calculated premium (S13).

After the step S13, the online messenger server 300 provides the UI information with the insurance information calculated in the step S13 based on the chatbot service to the user smart device 100 via the network 200 (S14).

After step S14, the online messenger server 300 requests the cancellation refund information for the selected insurance product to the insurance company rule server 500 through the network 200 according to the cancellation refund information request by the user smart device 100. After receiving the reimbursement refund information by the premium payment due date and payment amount, and provides the refund information to the user smart device 100 via the network 200 as a chat screen service-based payment due UI screen (S15).

On the other hand, after step S14, the online messenger server 300 requests the pension amount example information for the selected insurance product from the network 200 to the insurance company rule server 500 according to the pension amount example information request by the user smart device 100. After receiving the pension amount example information according to the interest rate change due to the premium payment due date and payment amount and the current interest rate, through the network 200 to the user smart device 100 on the chatbot service based on the pension amount example information by the due date It is provided to the UI screen (S16).

After step S14, step S15, or step S16, the online messenger server 300 requests the user smart device 100 to consent to the processing of the user information through the network 200 based on the chatbot service, thereby providing information. A processing agreement is received (S17).

After step S17, the online messenger server 300 uses the chatbot service based on the user information for the online messenger authentication (age, gender, marital status, parental status, email, mobile number information, etc.) through the network 200. After receiving from the smart device 100, and matching the user account input in step S11 and stores the customer information in the database 330 (S18).

After the step S18, the online messenger server 300 performs the online messenger authentication for the user of the user's smart device 100 using email, mobile phone number information, etc. among the customer information input in step S18 based on the chatbot service. Perform the check (S19).

After step S19, the online messenger server 300 performs job search for a user who operates the user smart device 100 through a request to the insurance company customer information DB server 600 based on the chatbot service (S20a).

Meanwhile, after step S20a, the online messenger server 300 performs an address search for a user who operates the user smart device 100 through a request to the insurance company customer information DB server 600 based on the chatbot service (S20b). ).

After the step (S20b), the online messenger server 300 generates the insurance design details by reflecting the customer information, job for the pension amount for the selected insurance product, cancellation refund information for the selected insurance product, the generated insurance design details Is generated along with the address information found in step S20b and stored in the database 330 (S21).

After step S21, the online messenger server 300 uses a chatbot service based on the pre-contract notification notice for the insurance design details generated in step S21 via the network 200. In operation S22, the device 100 is performed.

After the step (S22), the insurance company review server 700 performs the insurance design history document verification process for the user smart device 100 via the network 200 based on the chatbot service provided by the online messenger server 300 ( S23).

After step S23, the insurance company examination server 700 transmits subscription design information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300 (S24).

After step S24, the insurance company examination server 700 transmits product description information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300 (S25).

After step S25, the insurance company examination server 700 transmits the comparison guide information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300 (S26).

After step S27, the insurance company examination server 700 transmits subscription information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300 (S27).

After step S27, the insurance company examination server 700 transmits the terms and conditions information to the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300 (S28).

After step S28, the user smart device 100 inputs payment information according to the insurance design history document based on the chatbot service provided by the online messenger server 300 and provides it to the insurance company examination server 700 (S29). The online messenger server 300 undergoes an online messenger authentication process based on the chatbot service provided by the online messenger server 300 (S30).

After step S30, the user smart device 100 performs online pay payment to the online messenger server 300 through the network 200 based on the chatbot service provided by the online messenger server 300 (S31). Complete the insurance subscription according to the design details document (S32). More specifically, the user smart device 100 performs a financial settlement for the financial settlement server based on the chatbot service provided by the online messenger server 300.

After step S32, the online messenger server 300 performs insurance sales monitoring for the user smart device 100 through the network 200 based on the chatbot service provided by the online messenger server 300 (S33). More specifically, the online messenger server 300 provides an automated questionnaire service for the user smart device 100 through an online messenger service or a chatbot messaging service, and collects the survey big data through the network 200. The server 400 may store the same.

In addition, the online messenger server 300 is based on the chatbot service provided by the online messenger server 300, and not only the survey history through the network 200, but also the conversation history based on the insurance design dialogue platform through the network 200. By controlling the transceiver 310 to be transmitted to and stored in the big data collection server 400, it can be utilized for artificial intelligence design assurance analysis.

The invention can also be embodied as computer readable code on a computer readable recording medium. Computer-readable recording media include all kinds of recording devices that store data that can be read by a computer system.

Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like, which are also implemented in the form of carrier waves (eg, transmission over the Internet). It also includes.

The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

As described above, the present specification and drawings have been described with respect to preferred embodiments of the present invention, although specific terms are used, it is only used in a general sense to easily explain the technical contents of the present invention and to help the understanding of the present invention. It is not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

100: user smart device
200: network
300: Online Messenger Server
400: AI big data collection server
500: insurance company rule server
600: insurance company customer information DB server
700: insurance company screening server

Claims (4)

User smart device 100, network 200, online messenger server 300, AI big data collection server 400, insurance company rule server 500, insurance company customer information DB server 600, and insurance company examination server ( In the one-stop system for insurance product design and subscription using an online messenger chatbot including 700, the online messenger server 300 includes a transceiver 310, a controller 320, a database 330, and a controller. 320,
Chat robot between the user smart device 100 and the artificial intelligence big data collection server 400, based on the insurance design dialogue platform provided by the artificial intelligence big data collection server 400, at the request of the user smart device 100 When relaying a service, when a keyword related to insurance including insurance design, insurance inquiry, and insurance coverage is entered into a chat robot service providing window implemented in the user smart device 100, and an identifier character indicating a question is simultaneously entered, Account information of the user smart device 100 at the time of access to the messenger server 300 is stored in the database 330 together with insurance related keywords.
After controlling the transceiver 310 to transmit the categorized category information including premiums and insurance products among the keywords to the AI big data collection server 400 through the network 200, the AI big data collection server ( Receiving the query content for each category for the insurance product subscription provided in 400, and providing the provided query content to the user smart device 100 to control the transceiver 310 to receive the response content for each query content In this case, after checking the insurance product preferences among a plurality of insurance products in the form of questions and responses according to the category information, the transceiver 310 to transmit the preference survey details to the artificial intelligence big data collection server 400 through the network 200. After controlling the user, receiving at least one insurance product matching the preference survey details from the artificial intelligence big data collection server 400 user smart Chatbot providing module 321 for transmitting and receiving to the device 100 to control the transceiver 310 to receive a selection signal for one of the insurance products from the user smart device 100;
The chatbot is provided by transmitting the insurance product information selected by the user to the insurance company rule server 500 through a chat robot service provided by the chatbot provision module 321 to the user smart device 100. The transmitter / receiver 310 is controlled to transmit the selected insurance product information corresponding to the selection signal provided from the module 321 to the insurance company server 500 through the network 200, and the robot providing module 321 provides the information. After the chat robot service induces the participation in the conversation with the insurance company rule server 500, a chat requesting the insurance company rule server 500 to calculate the premium of the insurance product for each subscription period corresponding to the insurance product information, and receives the calculated premium. Controls the transceiver 310 to provide the robot service UI screen to the user smart device 100,
Since insurance premiums are stored in advance on the insurance company rule server 500 for each insurance product according to each insurance product, the insurance information calculated from the insurance company rule server 500 to the user smart device 100 through the network 200 is a chat robot. Controls the transmission and reception unit 310 to provide a service UI screen, the cancellation refund information request for the selected insurance product to the insurance company rule server 500 to the network 200 in accordance with the cancellation refund information request by the user smart device 100 After receiving the, after receiving the insurance premium payment due date and cancellation refund information by the payment amount from the insurance company rule server 500, and the refund information to the user smart device 100 through the network 200 by the due date of the chat robot service UI screen To control the transceiver 310 to provide,
In response to the pension amount example information request by the user smart device 100, the network 200 transmits the pension amount example information request for the selected insurance product to the insurance company rule server 500, and then the premium payment deadline from the insurance company rule server 500. After receiving the pension amount example information according to the interest rate fluctuation by the payment amount and the current interest rate, and through the network 200 to the user smart device 100 to provide the pension amount example information by the due date for the chat robot service UI screen (transmitting and receiving unit ( Insurance product providing module 322 for controlling 310;
In order to collect user information for the purpose of providing fluctuation values according to each customer information in the premium information on the selected insurance product, the chat robot service UI screen agrees to process the user information to the user smart device 100 through the network 200. Controls the transceiver 310 to receive a consent to process information by requesting from the user, and customer information (age, gender, marital status, parental status, email, mobile phone) for online messenger authentication of the user who operates the user smart device 100. Number information), received from the user smart device 100 using the chat robot service UI screen through the network 200, received through the chatbot providing module 321 and matched with a user account stored in the database 330. The customer information is stored together, and the contact information including e-mail and mobile number information is User smart device 100 Transceiver 310 to perform customer confirmation on the chat robot service UI screen through the online messenger authentication according to the identity authentication form through the transmission of the encrypted character provided in advance through the network 200 for the user Control the
Insurance company customer information DB server (including age, gender, marital status, parental status, e-mail, mobile phone number information) of the user provided by the user smart device 100 and consent to the processing of information is connected to the network 200 ( Sending / receiving to perform a job search for a user who operates the user smart device 100 through a job search request in response to a question provided by the chatbot providing module 321 on the chat robot service UI screen through a job search request to the user 600. To control the unit 310,
Insurance company customer information DB server (including age, gender, marital status, parental status, e-mail, mobile phone number information) of the user provided by the user smart device 100 and consent to the processing of information is connected to the network 200 ( Sending / receiving to perform an address search for a user who operates the user smart device 100 through an address search request in response to a question provided by the chatbot providing module 321 on the chat robot service UI screen through a request to the address 600. To control the unit 310,
After generating the insurance design details by reflecting the customer information and the occupation for the pension amount for the selected insurance product, cancellation refund information for the selected insurance product, and then create the generated insurance design details with the searched address information in the database 330. Insurance design details providing module 323 to be stored in the;
Insurer examination server 700 to perform a pre-contract notification notification to the user smart device 100 on the insurance design history generated by the insurance design history providing module 323 via the network 200 through the insurance company examination server 700. In order to provide the chat robot service provided by the chatbot provision module 321 between the user smart device 100 and the user smart device 100, a transceiver unit (receiving a response through a request to join the chat robot service to the insurance company examination server 700) 310, the insurance company review server 700 performs the insurance design history document verification process for the user smart device 100 through the network 200 based on the chat robot service, and sequentially, the user smart device ( 100) to send subscription design information, product manual information transmission, comparison notice information transmission, subscription information transmission, and agreement information transmission. Rock, and
Recognizing that the insurance company examination server 700 completes the transmission of the terms and conditions information on the chat robot service, the user smart device 100 requests payment information input according to the insurance design history document on the chat robot service to receive the received payment information. After controlling the transceiver 310 to transmit and save to the insurance company examination server 700, chat by outputting the online messenger authentication process for payment of insurance premiums for the user smart device 100 on the chat robot service, On the robot service to the user smart device 100 to perform the online pay payment through the network 200, after completing the insurance subscription according to the insurance design history document, and stored in the database 330,
In controlling the transceiver 310 to perform insurance sales monitoring for the user smart device 100 on the chat robot service again through the network 200, the user smart device 100 through an online messenger service or a chatbot messaging service. After providing the automated questionnaire service for, and transmits and stores the survey history to the AI big data collection server 400 through the network 200, and controls the transceiver 310, and the online messenger service or chatbot messaging service Controls the transceiver 310 to transmit and store the conversation history based on the insurance design dialogue platform as well as the AI big data collection server 400 through the network 200 as well as the survey details of the user smart device 100 through the network 200. Billing and monitoring module 324 to utilize for artificial intelligence design assurance analysis
When the chatbot application provided as an additional service of the online messenger in the online messenger server 300 is not compatible with the online messenger version and cannot be installed in the user smart device 100, the installation review data And an app analysis module 325 for analyzing code information of the chatbot application among the chatbot application information.
When the code information analysis of the chatbot application of the app analysis module 325 is completed, the chatbot application generates a chatbot application in which the add-on is reduced by reconfiguring the code to reduce the add-on. In addition to the functions provided as an option, except for the image and video reconfiguration based on the text, and the additional function reduced the chatbot application to the user smart device 100 via the network 200 to send and receive unit By controlling the 310, the code conversion module 326 to be installed on the user smart device 100 as a separate chatbot application separately from the online messenger so that the chatbot application can be executed regardless of the version of the online messenger; And
There is no version of the chatbot application in the database 330 that matches both the version of the operating system (OS) of the user smart device 100 on which the online messenger is installed and the version of the chatbot application to be provided to the user smart device 100. If there is a chatbot application that matches at least one version of the online messenger and the OS, and after extracting the chatbot application, if the extracted chatbot application does not match the OS version, the OS updater is requested through the OS update information request to the OS program providing server. Conversion history providing module that receives the information, and provides the transceiver 310 to provide encrypted data to the user smart device 100 via the network 200 by encrypting the chatbot application matched when updating the OS updater information with one 327; One-stop service system for insurance product design and subscription using an online messenger chatbot comprising a.
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