KR102050408B1 - Method and system for providing insurance flatfrom by using informal data - Google Patents

Abstract

The present invention provides a method for providing an insurance platform using atypical data, comprising: signing an insurance contract using a blockchain; Obtaining atypical data for a user who has entered into the insurance contract; Generating verification data by comparing the unstructured data with data of another user; Disclosing an insurance platform using the unstructured data comprising the step of recording the verification data on the blockchain, and determining the incentive for the insurance contract subscribed to by the user based on the verification data.

Description

Method and apparatus for providing insurance platform using unstructured data {METHOD AND SYSTEM FOR PROVIDING INSURANCE FLATFROM BY USING INFORMAL DATA}

The present invention relates to a method and system for providing an insurance platform using atypical data, and more particularly, to a method and system for linking an insurance product by improving reliability of atypical data and managing the linked insurance contract in a blockchain.

In general, insurance is a social system created to protect individuals from uncertain risks such as diseases, injuries and accidents that occur in the course of their social activities. Accordingly, insurance products are divided into various forms according to the needs of various fields of society. For example, there are insurance products such as auto insurance, driver insurance, health insurance, life insurance, accident insurance, damage insurance, fire insurance, shipping insurance, marine insurance, etc. In addition, various types of insurance are newly released. Insurers are launching new incentives that offer incentives, such as deducting and paying premiums, when health promotion is based on data measured through health checks or wearables. It is becoming. (E.g., if you certify that you have walked more than 10,000 steps every day, deduct premiums)

However, such structured data is so limited that it is difficult to develop new insurance products. Therefore, in recent years, there is a growing demand for technology linking insurance with real activity information (unstructured data) such as playing sports in a football club or swimming personally with reliable data. However, although it is desirable to provide differentiated incentives using various other information (eg, unstructured data such as SNS and LIFE information), there is a problem that it is difficult to collect, compare and manage them.

According to an embodiment of the present invention, structured data is generated by verifying and comparing unstructured data of various activities such as exercise, voting, and service with data of other users, and generating block data based on the structured data to blockchain. A method of storing is disclosed.

 In addition, by using unstructured data with high reliability through mutual verification, not only the user's activity can be verified, but also a method of authenticating a user using a blockchain in insurance contracts and used transactions.

Of course, the technical problems of the present invention are not limited to the above-mentioned features, and other technical problems not mentioned will be clearly understood by those skilled in the art from the following description.

According to an embodiment of the present invention, there is provided a method of providing an insurance platform using atypical data, comprising: entering an insurance contract using a blockchain; Obtaining atypical data for a user who has entered into the insurance contract; Generating verification data by comparing the unstructured data with data of another user; Recording the verification data on the blockchain and determining an incentive for the insurance contract subscribed to by the user based on the verification data.

The atypical data may include activity information on a social network service of a user or activity information obtained through a wearable device.

The collecting of the unstructured data includes collecting a photo or text uploaded by at least one user included in a team of a plurality of users,

The generating of the verification data may include authenticating whether the exercise is actually performed by using the photo or text uploaded by the user, and generating verification data by referring to the big data corresponding to the exercise. .

The blockchain may record the entire process from insurance contract, insurance premium calculation, insurance claim and premium payment.

Collecting the atypical data may include measuring an exercise amount of the user through a wearable device, and generating the verification data may be based on the measured exercise amount and basic data and / or big data. And generating verification data including at least one of calorie consumption and health index.

The determined incentive may include insurance premium increases, rewards, products, and points for users utilizing the atypical data.

The insurance platform providing method may include generating a ranking among users using the verification data.

An insurance platform providing system using unstructured data, according to another embodiment of the present invention, comprising: a user terminal receiving unstructured data from a user and uploading to an insurance platform providing server; An insurance platform providing server for generating verification data by comparing the atypical data with data of other users, and generating block data based on the verification data and managing the block data with a blockchain; And at least one insurance server providing information on the insurance product subscribed to by the user, determining incentives for the insurance contract subscribed to by the user based on the verification data, and providing determined incentives to the insurance platform user. It may include.

The insurance platform providing server may reproduce the verification data as standard data based on the big data.

The insurance platform providing server collects information about a contract and a claim between the user and the insurance company, generates block data based on the information, and distributes the block data to a plurality of node servers.

In addition to this, another method for implementing the present invention, another system, and a computer readable recording medium for recording a computer program for executing the method may be further provided.

According to the present invention as described above, it can have various effects as follows.

According to an embodiment of the present invention, various insurance products may be provided to a user in connection with atypical data such as SNS activity information. In addition, by utilizing the blockchain, users who participate in the network can mutually verify such unstructured data, and only the verified blocks can be registered in the chain, thereby increasing reliability. In this case, incentives may be provided to individuals by utilizing unstructured data in consideration of each individual's activities.

In addition, since the contract information can be managed using the blockchain, the insurance brokerage platform can not only compare the insurance, but also authenticate the personal information to directly insure the insurance and manage the insurance contents.

Therefore, it is possible to increase the convenience of insurance subscription and management, and it is possible to manage contracts and insurance claims between a number of domestic and foreign insurance companies and a plurality of insurance contractors at one time in the insurance providing platform.

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

1 is a diagram illustrating an example of an insurance platform providing system according to an exemplary embodiment.
2 is a diagram illustrating an example of a method of providing atypical data to an insurance company using an insurance platform providing system according to an embodiment.
3 is a diagram illustrating a win-win relationship between an insurance company, an insurance team, and an insurance platform using an insurance platform providing system according to an exemplary embodiment.
4 is a diagram for describing an example of basic data for converting unstructured data into structured data according to an exemplary embodiment.
5 is a flowchart illustrating an insurance platform providing invention using atypical data according to an embodiment.
6 is a flowchart illustrating another example of an insurance platform providing invention using atypical data according to an embodiment.
7 to 9 are diagrams for explaining an example of applying an insurance platform providing method using exercise data to soccer according to an embodiment.
10 is a flowchart illustrating another example of an insurance platform providing invention using atypical data according to an embodiment.
11 is a block diagram for briefly describing an insurance platform providing server using atypical data, according to an exemplary embodiment.
12 is a block diagram illustrating in more detail an insurance platform providing server using atypical data according to an embodiment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various forms. The embodiments of the present invention make the posting of the present invention complete and the general knowledge in the technical field to which the present invention belongs. It is provided to fully convey the scope of the invention to those skilled in the art, and the present invention is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

Unless otherwise defined, all terms used in the present specification (including technical and scientific terms) may be used in a sense that can be commonly understood by those skilled in the art. In addition, the terms defined in the commonly used dictionaries are not ideally or excessively interpreted unless they are specifically defined clearly.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, "comprises" and / or "comprising" does not exclude the presence or addition of one or more other components in addition to the mentioned components.

Hereinafter, a method of providing an insurance platform using atypical data according to embodiments of the present invention will be described with reference to the drawings.

1 is a diagram illustrating an example of an insurance platform providing system according to an exemplary embodiment.

Referring to FIG. 1, the insurance platform providing system 100 according to an embodiment includes a user terminal 200 for user authentication, an insurance platform providing server 300, and an insurance company server 400 linked thereto.

First, the user terminal 200 may receive unstructured data from the user and upload it to the insurance platform providing server 300. Here, the atypical data may include information on an exercise activity such as jogging, soccer, and swimming of the user, and may include data in the form of a text or a photo uploaded directly by the user. In general, such unstructured data is less reliable and difficult to link with insurance services.

However, the insurance platform providing server 300 according to an embodiment generates verification data by comparing the atypical data with data of other users, generates block data based on the verification data, and stores the block data in a block chain to improve reliability. It can increase.

 For example, users A, B, ... form a team X to register the user and the user terminals 200, 201 with the insurance platform providing server 300. Then, A, one of team X members, registers a picture, text, etc. with the insurance platform providing server 300 that can prove the start of the exercise at the time when the exercise starts. Here, photos, texts, etc. are uploaded to a separate SNS (Social Network Service) server, after which the insurance platform providing server 300 may read this. Of course, photos and text uploaded to the insurance platform providing server 300 may be shared by SNS.

Meanwhile, if one or more members (B) of the configured team (X) authenticate with location information, comments, photos, #team name, #own name, etc., the insurance platform indicates that the corresponding movement was actually performed based on such authentication information. The providing server 300 authenticates, and then verified data is generated for the health promotion activity corresponding to the exercise.

As another example, the reliability of the unstructured data may be further improved by confirming whether the photo uploaded to the insurance platform providing server 300 has been uploaded to the registered terminal.

As another example, the insurance platform providing server 300 may register only the blocks in which the verification is completed by validating all participants on the network. For example, if A registers a picture and registers with the insurance platform providing server 300 that the soccer is completed two hours later, a member of the team commented that B is not about this content or applied for additional verification. If you do, unstructured data uploaded by A must be authenticated by all team members (C, D, E, F, G, H….) To ensure that the data is valid, otherwise the data can not be authenticated.

According to one embodiment, the atypical data certified in the above-described manner may be transmitted to an insurance company to be used for insurance discounts, and ii) if the history is continuously accumulated, it is possible to build a personalized information DB. It may be used to provide rankings, iii) to place bets, or iv) to award rewards, prizes, points, etc.

For example, the insurance company server 400 provides the user terminal 200 or the insurance platform providing server 300 with information on the insurance product subscribed to by the user, and determines the incentive for the insurance contract subscribed to by the user based on the verification data. And provide the determined incentive to the user. Of course, the data verified through the certification is not limited to providing incentives according to the insurance contract, and may be used in various fields that need to increase the reliability of the unstructured data as described below.

2 is a diagram illustrating an example of a method of providing atypical data to an insurance company using an insurance platform providing system according to an embodiment.

Referring to FIG. 2, according to an embodiment of the present invention, a new relay agent called an insurance platform 230 may appear in addition to the insurance team 210, which is previously called an insurance company 210 and aka insurance planner.

The insurance company 210 is responsible for the receipt of the monthly payments, design and guarantee of insurance products. However, in the past, if the only subject to be insured was the insurance team 220, in this embodiment, the insurance platform 230 appears to receive a fee with the insurance team 220, respectively. That is, the insurance team 220 may receive a reward from the insurance company 210 based on the performance of the policy contracted by the policyholder when the premium is paid monthly. In addition, the insurance platform 230 may verify the atypical data and provide the insurance company 210 with the fee accordingly. Here, the atypical data provided by the insurance platform 230 and provided to the insurance company 210 or the insurance team 220 may include exercise data, team / team member information analysis, ranking, and SNS analysis. In particular, when the big data learning method is adopted, verification reliability may increase as data accumulates.

The insurance subscription team 220 concludes a smart contract with an insurance contractor by applying a blockchain, inquires about monthly payments of insurance premiums and insurance claims between team members, or agrees and agrees on the insurance company bills. At this time, the insurance subscription using the blockchain proceeds with the insurance platform 230 to use the unstructured data rather than proceed directly to the insurance company 210, the insurance platform 230 accordingly marketing activities to attract membership Support.

In addition, the insurance platform 230 may verify the SNS, life log, and exercise history classified as unstructured data by comparing it with data of other users. Here, the life log may refer to big data obtained by data-forming a large number of structured and unstructured data that the user directly creates or unknowingly leaves.

In addition, the insurance platform 230 may analyze the managed athlete team / team member information and provide a service such as ranking or billing inquiry to subscribed users. Furthermore, in the case of relaying insurance of the insurance company 210 through the insurance platform 230, since the insurance contracts and claims are managed through the blockchain, the insurance team 220 is no longer at the server of one insurance company 210. Since you do not have to rely on the data you provide, you can handle a variety of domestic and international insurance companies.

3 is a diagram illustrating a win-win relationship between an insurance company, an insurance team, and an insurance platform using an insurance platform providing system according to an exemplary embodiment.

Referring to FIG. 3, the insurance platform 300 according to an embodiment may verify atypical data generated from various sports activities 310 and provide verified atypical data to domestic and overseas life insurance companies 320. In particular, by using blockchain, insurance data can be accessed from anywhere at home and abroad, allowing new types of P2P insurance contracts to be established for foreigners staying in Korea. In addition, domestic and foreign insurance companies 320 in one insurance platform 300 may design a product based on the consistent unstructured data. On the other hand, the daily sports activity may include early football, badminton, table tennis, bicycle, aerobics, mountain climbing, marathon, and the like.

As another example, the insurance platform providing server 300 may provide a quantitative service to an insurance company by analyzing big data such as SNS, lifelog and life activity information. Here, the lifelog refers to big data obtained by data-forming a large number of structured and unstructured data that the user directly creates or unknowingly leaves. Here, the image, search word, upload time, etc. may be used for big data analysis of SNS, and information of not only authenticated users as well as non-certified users can be used for unstructured data authentication. Thus, such validated unstructured data can be used to provide a variety of marketing benefits for policyholders.

4 is a diagram for describing an example of basic data for converting unstructured data into structured data according to an exemplary embodiment.

Referring to Figure 4, it is possible to quantify the atypical data as a basic measurement provided by a trusted authority. For example, the user keeps the hourly / standard calorie consumption and activity intensity for each exercise as basic data, and then converts the unstructured data uploaded by the user into highly reliable structured data. As an example, if the unstructured data uploaded by the user walks for 1 hour, the user may typically format how much the user walks in 1 hour and then provide calorie consumption according to the distance to the insurance company.

Of course, according to an embodiment, the wearable device may be used to measure unstructured data more precisely and immediately convert it into verification data. Furthermore, the insurance platform providing system according to an embodiment may reproduce unstructured data that is reliable by only information that a user periodically uploads to SNS by comparing unstructured data with basic parameters through big data.

5 is a flowchart illustrating an insurance platform providing invention using atypical data according to an embodiment.

Referring to FIG. 5, in operation 510, an insurance platform providing method using atypical data according to an embodiment may conclude an insurance contract using a blockchain. Therefore, the entire process from billing to payment under the insurance contract is recorded and managed on the blockchain. By improving the complex application and certificate issuance process required for traditional claims, customers can automatically claim claims.

In operation 520, the insurance platform providing method may acquire atypical data about a user who has entered into an insurance contract. Here, the unstructured data may include activity information on the social network service of the user or activity information obtained through the wearable device. Alternatively, the atypical data may include an exercise amount of the user measured through the wearable device.

In operation 530, the insurance platform providing method may generate verification data by comparing the unstructured data with data of another user. Here, the verification data may include at least one of calorie consumption and health index of the user based on the measured exercise amount and the basic data and / or big data.

In operation 540, the insurance platform providing method may record verification data on the blockchain and determine an incentive for the insurance contract subscribed to by the user based on the verification data. Here, the determined incentives include insurance premiums, rewards, products, and points for users utilizing unstructured data. In addition, if the verification data is utilized, a ranking among users may be generated to provide differential incentives. On the other hand, the blockchain can record the entire process from insurance contract, insurance premium calculation, insurance claims and insurance premium payment based on mutual verification.

6 is a flowchart illustrating another example of an insurance platform providing invention using atypical data according to an embodiment.

Referring to FIG. 6, in step 610, the insurance platform providing server concludes an insurance contract using a blockchain. For example, an insurance platform providing server collects information about a contract and a claim between a user and an insurance company, generates block data based on the information, and distributes the block data to a plurality of node servers and stores the data on the block chain. Can record

In operation 620, the insurance platform providing server collects a photo or text uploaded by at least one user included in a team of a plurality of users. Here, the picture or text may be uploaded directly to the insurance platform providing server or may be uploaded to the social network service (SNS) server of the user account.

In step 630, the insurance platform providing server authenticates whether or not the exercise was actually performed. For example, based on the time and place where the photo or text was created, check whether another user on the same team uploaded the photo or text with similar content. Alternatively, authentication may be performed through mutual verification, such as a method of requesting confirmation of a corresponding exercise fact to another user in the team.

If it is determined that the exercise is actually performed, the process proceeds to step 640 to generate verification data with reference to the big data corresponding to the exercise.

In operation 650, the verification data is recorded in the blockchain, and an incentive for the insurance contract subscribed to by the user is determined based on the verification data. In this case, the insurance contract is not limited to an individual but may be made in team units. In this case, unstructured data uploaded to a server by one team member may be the basis for calculating incentives for team-level insurance. In particular, if the ranking per team according to the number and goal of SNS registration, and applying the weight according to the ranking, it can be stimulated to exercise more actively by stimulating mutual competition psychology.

7 to 9 are diagrams for explaining an example of applying an insurance platform providing method using exercise data to soccer according to an embodiment.

First, referring to FIG. 7, life information and unstructured data 710 of A appear. For example, Mr. A's life information is 45 years old, 175cm, 75KG, exercise time is 06:00 ~ 08:00, the insurance platform providing server is based on the basic data (see Fig. 4) the amount of exercise A is 708Kcal For example, verification data may be generated that consumes 2 hours a day and consumes 56,640 Kcal for a total of 40 weeks.

Next, referring to FIG. 8, it is possible to generate unstructured data for a team unit contract rather than an individual. For example, as shown in 810, the life information of the early football meeting members and the early football meeting information shown in 820 are regularly uploaded, thereby obtaining team-level exercise information. In particular, it is possible to verify whether team-level exercise was performed through mutual authentication between team members, in which case this data can be recognized as formal data.

For example, a member of the early football club A registers a picture and registers with the insurance platform providing server 300 that the soccer is completed two hours later. If you apply for verification, the unstructured data uploaded by A must be certified by all members of your team (C, D, E, F, G, H….) To ensure that the data is valid, otherwise the data cannot be authenticated. have.

Meanwhile, an example of verifying the above-mentioned atypical data and using it for an insurance contract will be described in detail with reference to FIG. 9.

Referring to FIG. 9, first, in step 910, the user terminal 200 registers an exercise start SNS with a server, and describes an exercise with a picture or #team name, # person's name, or performs SNS authentication among team members.

Then, in step 920, the insurance platform providing server 300 in conjunction with the user terminal 200 retrieves the corresponding exercise team and time through the SNS of the registered user, and proceeds to authentication with a photo or # team name, # person name and the like. Or authenticate with unstructured data of the user who uploaded the SNS together. That is, the atypical data uploaded by the user terminal is authenticated by the insurance platform providing server 300 to generate verification data.

According to one embodiment, the atypical data certified in the above-described manner may be transmitted to an insurance company and utilized for discounts on insurance premiums. It may be used to provide rankings, iii) to place bets, or iv) to award rewards, prizes, points, etc.

On the other hand, the insurance company server 400 registers the blockchain information for the registered user through the insurance platform providing server 300, and when the monthly premium payment is paid to the registrant for the certification request inquiry confirmation. That is, the verification data registered in the insurance platform providing server may be checked once more, and the insurance premium provided with an incentive to the user may be paid according to the verification data. (Step 930)

10 is a flowchart illustrating another example of an insurance platform providing invention using atypical data according to an embodiment.

Referring to FIG. 10, the atypical data may be whether to attend a predetermined event such as an election.

Therefore, in step 1010, when the user votes and uploads the unstructured data to the SNS for authenticating the voting by leaving an authentication shot outside the home or external polling place at a place other than the polling place, the platform server collects the data.

In operation 1020, the platform server indirectly confirms whether the user participated in the voting while mutually verifying the unstructured data uploaded by the user by referring to the data uploaded by other users on the SNS. In other words, mutual authentication can be used not only to confirm that the corresponding party has performed a certain activity, but also to be used as a method of authenticating the user.

Therefore, mutual verification of the unstructured data in this manner can also be utilized in used transactions. In other words, the unstructured data uploaded by the user can be verified and stored by using the blockchain to reproduce the reliable data.

11 is a block diagram illustrating an insurance platform providing server using atypical data according to an embodiment. The following description of FIGS. 11 and 12 is intended to provide a simple, general description of a suitable computing environment in which the present invention may be implemented. Accordingly, it will be apparent to those skilled in the art that the above-described information in FIGS. 1 to 10 may be applied to the insurance platform providing server 300 shown in FIGS. 11 and 12.

Referring to FIG. 11, the insurance platform providing server 300 according to an exemplary embodiment may include an unstructured data collector 301, an unstructured data verifier 302, a block data generator 303, and a blockchain recorder 304. It may include.

The unstructured data collector 301 receives unstructured data from at least one user terminal. Here, the unstructured data may include activity information on the social network service of the user or activity information obtained through the wearable device. Alternatively, the atypical data may include an exercise amount of the user measured through the wearable device.

The unstructured data verification unit 302 generates verification data by comparing the unstructured data that requires authentication with data of other users. Here, the verification data may include at least one of calorie consumption and health index of the user based on the measured exercise amount and the basic data and / or big data.

Alternatively, through mutual verification with other users, it is possible to authenticate whether the exercise was actually performed.

The block data generator 303 generates block data based on the verification data. Furthermore, block data can be generated based on the information on contracts and claims between the user and the insurance company.

The blockchain recording unit 304 writes the generated block data to various node servers to form a blockchain.

12 is a block diagram illustrating a general configuration of an insurance platform providing server 300 using atypical data according to an embodiment. That is, it is a figure for explaining the operating environment of the insurance providing platform server 300.

Generally, program modules that make up an operating environment include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. Computer-executable instructions, associated data structures, and program modules represent examples of program code means for carrying out the operations of the invention disclosed herein.

In one embodiment of the present invention, each step shown in Figs. 5 and 6 may be implemented by the above-described program module.

Referring to FIG. 12, an exemplary computing system implementing the present invention connects various system components including processing unit 11, system memory 12, and system memory 12 to the processing unit 11. And a computing device in the form including a system bus 10 for the purpose of designing a system.

Processing unit 11 may execute computer-executable instructions designed to implement features of the present invention.

System bus 10 may be any of several types of bus structures, including a local bus, a peripheral bus, and a memory bus or memory controller using any of a variety of bus architectures.

The system memory 12 includes a read only memory (ROM) 12a and a random access memory (RAM) 12b. A basic input / output system (BIOS) 13a, which includes basic routines that help transfer information between components within the computing system, such as during startup, can generally be stored in ROM 12a.

The computing system may include storage means, for example a hard disk drive 15 that reads information from or writes information to the hard disk, reads information from or writes information to the magnetic disk. A magnetic disk drive 16 for recording, and an optical disk drive 17 for reading information from or writing information to an optical disk, such as a CD-ROM or other optical medium, for example.

The hard disk drive 15, the magnetic disk drive 16, and the optical disk drive 17 are each configured by a hard disk drive interface 18, a magnetic disk drive-interface 19, and an optical drive interface 20. It is connected to the bus 10.

In addition, the computing system may further include an external memory 21 as a storage means. The external memory 21 may be connected to the system bus 10 through the input / output interface 24.

The drive described above and associated computer readable medium read and written by the drive provide for nonvolatile storage of computer executable instructions, data structures, program modules, and other data.

The exemplary environment described herein illustrates a hard disk 15, a magnetic disk 16, and an optical disk 17, but in addition to magnetic cassettes, flash memory cards, DVDs, Bernoulli cartridges, RAM Other types of computer readable media may be used to store data, including, ROM, and the like.

One or more program modules including an operating system 13b, one or more application programs 13c, other program modules 13d, and program data 13c, which are loaded and executed by the processing unit 11. The program code means may be stored in the hard disk 15, the magnetic disk 16, the optical disk 17, the ROM 12a or the RAM 12b.

In addition, the computing system may receive commands and information from a user through other input devices 22 such as a keyboard, a pointing device, a microphone, a joy stick, a game pad, a scanner, and the like. These input devices 22 may be connected to the processing unit 11 via an input / output interface 24 connected to the system bus 10.

The input / output interface 24 may be, for example, a high-end device such as a serial port interface, a PS / 2 interface, a parallel port interface, a USB interface, an Institute of Electrical and Electronics Engineers (IEEE) 1394 interface (ie, a FireWire interface). Any of a variety of different interfaces can be represented logically, or even a combination of different interfaces.

In addition, the computing system to which the present invention is applied may further include a display device 26 such as a monitor or LCD or an audio device 27 such as a speaker or a microphone, which may be connected via a video / audio interface 25. It is connected to the system bus 10.

The video / audio interface unit 25 is a general configuration including a high definition multimedia interface (HDMI), a graphics device interface (GDI), and the like, and may be omitted in implementing a server.

In addition, computing systems implementing the present invention are capable of connecting to networks such as, for example, office-wide or enterprise-wide computer networks, home networks, intranets, and / or the Internet. The computer system may exchange data with such external sources as, for example, a remote computer system, a remote application, and / or a remote database.

To this end, a computing system to which the present invention is applied comprises a network interface 27 for receiving data from and / or transmitting data from an external source.

In one embodiment of the present invention, the insurance platform providing server 300 configured as such a computing system may transmit and receive data to and from the user terminal and the insurance company server located at a remote location through the network interface 27. For example, the unstructured data may be received through the network interface 27, and the block data may be transmitted to each node server.

Network interface 27 may be represented by a logical combination of one or more software and / or hardware modules, such as, for example, a network interface card and a corresponding Network Driver Interface Specification (“NDIS”) stack.

Similarly, the computer system receives data from or transmits data to an external source via input / output interface 24. The input / output interface 24 may be connected to a modem 23 (eg, a standard modem, cable modem, or digital subscriber line (“DSL”) modem), through which the external source may be connected. Receive data from and / or transmit data to an external source.

12 illustrates an operating environment suitable for the present invention, the principles of the present invention may be employed in any system capable of implementing the principles of the present invention, with appropriate modifications as necessary. The environment shown in FIG. 12 is merely illustrative and does not represent a small portion of the wide variety of environments in which the principles of the present invention may be implemented.

In addition, the information related to the insurance platform providing method using the unstructured data of the present invention may be stored and accessed in any computer readable medium related to the computing system as shown in FIG.

As described above, the present invention may provide a user with more insurance products in association with atypical data such as SNS activity information, according to an embodiment. In addition, by utilizing the blockchain, users who participate in the network can mutually verify such unstructured data, and only the verified blocks can be registered in the chain, thereby increasing reliability. In this case, incentives may be provided to individuals by utilizing unstructured data in consideration of each individual's activities.

In addition, since the contract information can be managed using the blockchain, the insurance brokerage platform can not only compare the insurance, but also authenticate the personal information to directly insure the insurance and manage the insurance contents.

Therefore, it is possible to increase the convenience of insurance subscription and management, it is possible to manage the contract and insurance claims between a number of domestic and foreign insurance companies and a number of insurance contractors at one time in the insurance providing platform.

As described above, the specification includes the details of a number of specific implementations, but these should not be understood as being limited to the scope of any invention or claimable, but rather may be specific to a particular embodiment of a particular invention. It should be understood as a description of the features. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment.

Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. In certain cases, multitasking and parallel processing may be advantageous.

Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

In particular, the above description of the present invention is intended for illustration, and those of ordinary skill in the art understand that the present invention can be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. Could 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.

Claims (11)

The insurance platform providing server collecting information on a contract and a claim between the user and the insurance company and generating block data based on the information;
Collecting, by the insurance platform providing server, atypical data on athletic activity of a user who has signed an insurance contract;
The insurance platform providing server is determined by the at least one user included in the team or the verification result of the unstructured data determined based on the data uploaded by the at least one user included in the team if the user belongs to the team Generating verification data for the unstructured data based on the verification result of the unstructured data; And
An insurance company server determining the incentive for the insurance contracted by the user based on the verification data;
Generating verification data for the unstructured data based on the verification result of the unstructured data
The verification result of the unstructured data is determined based on whether the unstructured data of the specific user and the unstructured data included in the team match at least one of upload location information, upload time information, comment, and hash tag, and the verification. Generating verification data for the unstructured data based on a result;
Generating verification data for the unstructured data based on the verification result of the unstructured data
When a specific user included in the team makes a negative comment on the unstructured data or additional verification is requested, request verification of the unstructured data through all users included in the team, and then, based on the verification result, Generating verification data for the;
The insurance company server determines the incentive for the insurance contracted by the user based on the verification data
If the insurance is a team unit, using the verification data of at least one user belonging to the team comprising the step of determining the incentive for the insurance of the team unit
How to provide insurance platform using unstructured data.
In the insurance platform providing system using the unstructured data,
A user terminal receiving unstructured data from a user and uploading the unstructured data to an insurance platform providing server;
Collects information about contracts and claims between users and insurance companies, generates block data based on them, collects unstructured data about athletic activities of users with insurance contracts, and if the user is a member of the team Verification data for the unstructured data based on a verification result of the unstructured data determined based on data uploaded by at least one user included in the at least one user or a verification result of the unstructured data determined by at least one user included in the team. An insurance platform providing server for generating and managing block data based on the verification data; And
An insurance company server that provides information on the insurance product subscribed to the user, determines an incentive for the insurance contract subscribed to by the user based on the verification data, and provides a determined incentive to the insurance platform user;
The insurance platform providing server
The verification result of the unstructured data is determined based on whether the unstructured data of the specific user and the unstructured data included in the team match at least one of upload location information, upload time information, comment, and hash tag, and the verification. Generate verification data on the unstructured data based on the results, and when a specific user included in the team makes a negative comment on the unstructured data or further verification is requested, the unstructured data through all users included in the team After requesting verification for, generate verification data for the unstructured data based on the verification result,
The insurance company server
When insurance is a team unit, incentives for insurance of the team unit are determined by using verification data of at least one user belonging to the team.
Insurance platform delivery system.
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