KR102128884B1 - Insurance switching system based on optional choice by user - Google Patents

Abstract

The present invention relates to an insurance switching system based on user random selection. The insurance switching system based on user random selection comprises: a mobile unit that maintains and manages an insurance contract for a certain period of time, allows a user to randomly select a predetermined period within the certain period of time, and presents an insurance premium in proportion to the predetermined period; and an integrated control server that networks with the mobile unit, manages user authentication, and guarantees the insurance of the user for the predetermined period when the user randomly selects the predetermined period, and calculates and presents the insurance premium for the predetermined period.

Description

Insurance switching system based on optional choice by user}

The present invention relates to an insurance switching system for calculating the premium, and more specifically, based on the user's random selectivity, allows the user to select a specific time interval within the insurance contract period by self-selection and automatically calculates the premium accordingly It is possible, but the user's moral risk is also a technical field of a system that can be prevented computationally.

According to the Korea Institute for Insurance Research (Nov. 2018), the growth of the insurance industry is slowing.

Life insurance income insurance premiums decreased by 4.9% in 2017, and is expected to continue to decline in 2018 and 2019.In the case of non-life insurance, growth is expected to continue, but the rate of increase in raw water insurance premiums increased from 4.5% in 2017 to 3.0% in 2018. , Expected to decrease to 2.7% in 2019.

The profitability of the insurance industry also detects that the downward trend continues, indicating that the insurance industry's equity margin fell from 12.7% in 2007 to 7.7% in 2017.

The Korea Institute of Insurance considers that the growth trend of the insurance industry and the deterioration of profitability are inevitable due to the trend of demographic changes. Note that not only the insurance industry, but also the growth rate and profitability of the banking and securities industries are declining. In addition to the trend of demographic change, new accounting systems and payment capacity systems (K-ICS) have been introduced, sales commission systems have been reorganized, and tax benefits have been reduced. It seems to be working in combination.

Despite changes in the overall population structure, aging, and shrinking industries, insurance products are introducing efforts to create new demand and markets through various technological attempts to utilize smart phones based on IT.

In the case of insurance products, it is a reality that consumers have low access to contracts for insurance products due to the inconvenience and inconvenience of subscription and termination.

Technological attempts to apply insurance products and IT are being made little by little.

As a related prior patent document, there is a pet medical insurance cut system using a compensation program (Publication No. 10-2005-0115837, hereinafter referred to as Patent Document 1).

The invention according to Patent Document 1 is a system based on attracting animal hospitals nationwide as a member company, and providing pet medical insurance to members who are pet owners through insurance products and insurance cards with insurance companies and card companies.

In addition, as a related prior patent document, there is also a "client-oriented companion animal insurance product introduction and management method using cloud computing (Publication No. 10-2015-0092827, hereinafter referred to as Patent Document 2)".

The invention according to Patent Literature 2 predicts that companion animal insurance, such as human insurance, will occur in the companion animal industry, which develops in a form similar to that of human socio-economic life, and a closed virtual space (cloud provided by operator client) ), when the pet insurance product is registered in the insurance product application program provided by the operator, the member client can compare and evaluate various companion animal insurance products of the operator in the closed virtual space provided by the operator, and finally the member Disclosed is a method for selecting the optimal customized pet insurance product for a client.

Existing public technologies exist only in a primitive way, such as simply introducing various products for users to enter into contracts, computing methods for contracting insurance products, or simply calculating insurance premiums based on automobile mileage. .

Publication No. 10-2005-0115837 Publication No. 10-2015-0092827

The insurance switching system based on user's random selectivity according to the present invention has been devised to solve the conventional problems as described above, and presents the following problems to be solved.

First, a contract is maintained for a certain period of time with a single contract, but within that period, a premium may be charged over time according to the user's discretion.

Second, it allows the user to select the starting point and the end point of the premium calculation on their own, but such a selection can be made very simply through a smartphone.

Third, it is possible to arbitrarily select the user's insurance coverage point, but it is also possible to electronically prove whether an event (accident) occurred in the time and region where the insurance is covered.

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

The insurance switching system based on the user's random selectivity according to the present invention has the following problem solving means for the above-mentioned problems.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the insurance contract is maintained for a certain period with the user, and the user is randomly selected for a predetermined period within the predetermined period, so that the predetermined A mobile unit configured to present premiums in proportion to the period; And networking with the mobile unit, managing user authentication, and guaranteeing the insurance of the user by the predetermined period when the user randomly selects the predetermined period, and calculating the premium by the predetermined period to calculate the mobile unit It may be characterized by including the integrated control server presented through.

In the case of the insurance switching system based on user's random selectivity according to the present invention, the mobile unit includes: a location recognition unit selectively recognizing location information on the surface of the mobile unit within the predetermined period; A time check unit providing time information linked to the location information of the mobile unit within the predetermined period, and counting the predetermined period and the predetermined period; And it may be characterized in that it comprises a switch switching unit for providing the user with the option to randomly select the predetermined period.

In the case of the insurance switching system based on the user's discretionary selectivity according to the present invention, the switch switching unit starts the predetermined period when the user switches on, and the predetermined when the user switches off. It may be characterized in that the period of the end.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the integrated control server is proportional to the time from the start of the predetermined period to the end of the predetermined period according to the switch switching unit. The insurance premium may be counted.

In the case of the insurance switching system based on user random selectivity according to the present invention, the switch switching unit may be characterized in that the predetermined period can be arbitrarily selected multiple times by the user within the predetermined period.

In the case of the insurance switching system based on the user's discretionary selectivity according to the present invention, the mobile unit may further include an event acquiring unit receiving an event guaranteed by the insurance contract from the user and transmitting the event to the integrated control server. Can.

In the case of the insurance switching system based on the user's discretionary selectivity according to the present invention, the event acquiring unit includes an accident input unit that presents the content of the event guaranteed by the insurance contract and receives the fact of the event from the user; A location check unit receiving the location information from the location recognition unit, checking event occurrence location information of a point where the event where the accident input unit is inputted and interlocking with the event; And a time check unit that receives the time information from the time check unit, checks the event occurrence time information of the event in which the event input unit is input, and interlocks the event.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the event acquiring unit includes: i) the event occurrence location information and the event occurrence time information of the event received by the accident input unit, ii) the switch switching unit According to this, the user may further include a risk check unit that checks whether a user belongs to a temporal range and a local range from a start point of a predetermined period to a stop point of the predetermined period.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the mobile unit may further include an information providing unit for outsourcing weather information or health information from an external server and presenting the information to the user.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the information providing unit receives weather information from the external server and provides it to the user, wherein the weather information is fine dust concentration information in the air, pollen concentration information , Weather information providing unit having at least one of precipitation information or wind speed information; And receiving health information from the external server and providing the health information to the user, wherein the health information includes a health information providing unit having at least one of the user's walking distance information, walking step information, or heart rate information. Can be done with

The insurance switching system based on the user's random selectivity according to the present invention having the above configuration provides the following effects.

First, insurance contracts are maintained for a certain period of time once contracted, such as so-called mortgage credits in real estate or credit loan products of banks, so that the timing of premiums can be set at the user's discretion. To make.

Second, it is possible to easily select a time and place to which the insurance is applied by allowing the user to select a time point for insurance premium payment according to the user's random selection.

Third, by applying the IT technology, the geographical location and time of the user can be measured through the application to record the timing and location of the event (accident) in a computerized manner, thereby preventing the computational risk of moral risk. To make.

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

1 is a conceptual diagram of an insurance switching system based on a user's random selectivity according to an embodiment of the present invention.
2 is a conceptual diagram illustrating that a user is geographically visualized that a switch on/off is performed in an insurance switching system based on a user's random selectivity according to an embodiment of the present invention.
3 is a conceptual diagram illustrating switching on/off through a mobile unit in an insurance switching system based on a user's random selectivity according to an embodiment of the present invention.
4 is a conceptual diagram illustrating that the information providing unit of the mobile unit provides weather information to the user among the insurance switching system based on the user's random selectivity according to an embodiment of the present invention.
5 is a block diagram illustrating each configuration of a mobile unit in an insurance switching system based on user's random selectivity according to an embodiment of the present invention.
6 is a block diagram showing each configuration of a mode setting unit of a mobile unit in an insurance switching system based on user's random selectivity according to an embodiment of the present invention.
7 is a block diagram illustrating each configuration of an event acquisition unit of a mobile unit among insurance switching systems based on a user's random selectivity according to an embodiment of the present invention.
8 is a block diagram showing each configuration of the information providing unit of the mobile unit among the insurance switching system based on the user's random selectivity according to an embodiment of the present invention.
9 is a graph showing that the health information providing unit of the mobile unit provides the number of walking steps to the user by date and day of the week among the insurance switching system based on the user's random selectivity according to an embodiment of the present invention.
10 is a conceptual diagram showing the contents of a security processing unit of a mobile unit among insurance switching systems based on user's random selectivity according to an embodiment of the present invention.

The insurance switching system based on the user's discretionary selectivity according to the present invention can apply various changes and have various embodiments, and specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the technical spirit and technical scope of the present invention.

1 is a conceptual diagram of an insurance switching system based on a user's random selectivity according to an embodiment of the present invention. 2 is a conceptual diagram illustrating that a user is geographically visualized that a switch on/off is performed in an insurance switching system based on a user's random selectivity according to an embodiment of the present invention. 3 is a conceptual diagram illustrating switching on/off through a mobile unit in an insurance switching system based on a user's random selectivity according to an embodiment of the present invention. 4 is a conceptual diagram illustrating that the information providing unit of the mobile unit provides weather information to the user among the insurance switching system based on the user's random selectivity according to an embodiment of the present invention. 5 is a block diagram illustrating each configuration of a mobile unit in an insurance switching system based on user's random selectivity according to an embodiment of the present invention. 6 is a block diagram showing each configuration of a mode setting unit of a mobile unit in an insurance switching system based on user's random selectivity according to an embodiment of the present invention. 7 is a block diagram illustrating each configuration of an event acquisition unit of a mobile unit among insurance switching systems based on a user's random selectivity according to an embodiment of the present invention. 8 is a block diagram showing each configuration of the information providing unit of the mobile unit among the insurance switching system based on the user's random selectivity according to an embodiment of the present invention. 9 is a graph showing that the health information providing unit of the mobile unit provides the number of walking steps to the user by date and day of the week among the insurance switching system based on the user's random selectivity according to an embodiment of the present invention. 10 is a conceptual diagram showing the contents of a security processing unit of a mobile unit among insurance switching systems based on user's random selectivity according to an embodiment of the present invention.

In the case of the insurance switching system based on the user's discretionary selectivity according to the present invention, as shown in FIG. 1, the user is in accordance with his/her own discretion within a certain period in which the contract period is maintained through the insurance contract through the mobile unit 100. The guarantee period, that is, selecting a predetermined period can be performed through a network with the integrated control server 200.

To this end, in the case of the insurance switching system based on the user's random selectivity according to the present invention, as shown in FIG. 1, the mobile unit 100 and the integrated control unit 200 may be included.

First, in the case of the mobile unit 100, it is configured to maintain an insurance contract for a certain period with the user.

The user may sign an insurance contract through the mobile unit 100, but of course, it may be signed through an insurance agent through an offline service.

The user may maintain and manage the concluded insurance contract through the mobile unit 100. Such an insurance contract may be damage insurance related to a dog, insurance related to leisure, insurance related to overseas travel, and the like.

It is desirable that the damage insurance referred to herein is mainly a non-home property damage insurance that can be generated from outside activities, and while the outside activity is performed, the user can easily select the insurance that is guaranteed due to his or her intention. However, when you return home, you can easily choose that insurance is not covered.

For example, as shown in FIGS. 2 and 3, the mobile unit 100 is set to guarantee the mobile unit 100 when going out to perform an external activity away from home during a certain period of time, for example, a year in which an insurance contract is concluded. Of course, it can be made, and of course, it can be easily set to an area or time that is not guaranteed for the timing of returning home from the outside.

The mobile unit 100 may arbitrarily select a predetermined period within a certain period, which is the insurance contract period, and this selection may be turned on/off as many times as possible within a non-overlapping range.

However, the premium may be calculated in proportion to this based on the sum of predetermined periods.

The mobile unit 100 is a means for a user to input a variety of information, preferably a smart phone, a tablet PC (tablet personal computer), etc. that the user can always carry and carry.

Of course, the mobile unit 100 must be able to receive various information input by a user through various input means, and be able to download and install programs or applications that program various functions suggested by the present invention.

In the case of the mobile unit 100, it is necessary to be able to process various actions according to the content of the insurance contract. To this end, the mobile unit 100 has its own built-in sensor or wired/wireless networking, as required by date and time information. It should be able to automatically obtain location information or weather information.

The mobile unit 100 may be a well-known smart phone, for example, Samsung Electronics' Galaxy S series, Galaxy Note series or Galaxy Tab, Apple's iPhone series or iPad series, etc. laptop) can be implemented as a PC.

In the case of the integrated control server 200, it is of course possible to network with the mobile unit 100, manage user authentication, and manage personal information according to the user's personal information when the user logs in.

In the case of the integrated control server 200, as described above, if the user arbitrarily selects a predetermined period, the user's insurance is guaranteed only for a predetermined period, and the insurance premium is calculated by the predetermined period, through the mobile unit 100. Will be presented.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the mobile unit 100, as shown in Figure 5, the location recognition unit 110, the time check unit 120, and the switch switching unit 130 It may include.

First, in the case of the location recognition unit 110, the location information on the surface of the mobile unit 100 is selectively recognized within a certain period, which is an entire period in which a predetermined period can be set by an insurance contract.

That is, the location recognition unit 110 may continuously recognize the location information of the mobile unit 100 for a period of time, or may selectively acquire the location information of the mobile unit 100 only for a predetermined period.

The location recognition unit 110 is largely intended to be used as a source for prevention of moral risk, which will be described later.

In the case of the time checker 120, it is a configuration for outsourcing from the timer of the mobile unit 100, and provides time information linked to the location information of the mobile unit 100 within a certain period in which the insurance contract lasts. The predetermined period is counted.

The time information provided by the time checker 120 is also a resource used to prevent moral risk, but since the sum of predetermined periods is mainly based on time information, calculation of insurance premiums based on the predetermined periods It is utilized as basic information.

In the case of the switch switching unit 130, it is a configuration that provides the user with an option to randomly select a predetermined period.

That is, as shown in FIG. 3, the user can select a predetermined period and switch ON to initiate a predetermined period during a certain period (the entire period of the insurance contract) through the interface as simple as possible. You will be asked to exit (switch OFF).

In the case of the switch switching unit 130, as described above, as shown in FIGS. 2 and 3, when a user switches on, a predetermined period starts, and when a user switches off, a predetermined period starts. The period is terminated. Accordingly, the integrated control server 200 according to the switch switching unit 130, the user counts the insurance premium in proportion to the time from the start of the predetermined period to the end of the predetermined period. .

That is, the user sets a guaranteed time range (or local range) according to his/her choice.

In the case of the function of the switch switching unit 130, a predetermined period can be arbitrarily selected multiple times by a user within a certain period.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, as illustrated in FIG. 5, the event acquisition unit 150 may be further included.

In the case of the event acquisition unit 150, the user performs a function of reporting and receiving an event (event, accident), which is the content guaranteed by the insurance contract, and the event thus obtained is transmitted to the integrated control server 200, so that the user To provide various services based on insurance contracts.

As illustrated in FIG. 7, the event acquisition unit 150 may include an accident input unit 151, a location check unit 152, and a time check unit 153.

In the case of the accident input unit 151, the content of the event, which is the content guaranteed by the insurance contract, is presented, and the occurrence of the event is received from the user.

In the case of the location check unit 152, the location information is received from the location recognition unit 152, and the accident input unit 151 checks the event occurrence location information of the point where the input event occurred and matches the event.

In addition, in the case of the time check unit 153, time information is received from the time check unit 120, and the incident input unit 151 checks the event occurrence time information at which the event received and matches the event.

That is, as soon as the accident input unit 151 inputs the fact that an accident has occurred, the location check unit 152 matches and stores location information in the event, and the time check unit 153 matches the time information in the event. And save it.

In the case of the event acquisition unit 150, as illustrated in FIG. 7, a risk check unit 154 may be further included.

The risk check unit 154 is for the prevention of moral risk, that is, a kind of insurance fraud, i) the event occurrence location information and the event occurrence time information of the event received by the accident input unit 151, ii) the switch According to the switching unit 130, it is checked whether or not the user falls within a temporal range and a local range from the start point of the predetermined period to the end point of the predetermined period.

That is, the user randomly selects a predetermined period, through whether the time information and geographical information at the start time of the predetermined period and the end time of the predetermined period match the event occurrence time and geographical information of the user, The user's moral hazard is to prevent.

In the case of the event acquisition unit 150, the security processing unit 155 may be further included.

As shown in FIG. 10(a), the event information input by the user may be information related to the user's personal privacy.

The event information is composed of a series of binary sequences, as shown in FIG. 10(a). In the case of the security processing unit 155, binary random variables are generated through a function that generates random variables in these binary sequences, The random number head by the random variable is included in a specific position of the binary sequence, and transmitted to the integrated control server 200.

The security processing unit 155 shares information about the random number head, that is, the size and location of the random number head, and the random number generation rule separately from the integrated control server 200, so that only a terminal that knows the information about the rule is event information. Let's restore original information.

In the case of the insurance switching system based on the user's random selectivity according to the present invention, the mobile unit 100 may further include a mode setting unit 140 as illustrated in FIG. 5.

In the case of the mode setting unit 140, when a user has a plurality of insurance contracts, it is to select which of the corresponding insurance contracts to switch the mode of the insurance contract.

The modes of the insurance contract can be selected from among multiple contracts such as i) Compensation Insurance for Dogs, ii) Compensation Insurance for International Travelers, iii) Compensation Insurance for Golf, iv) Compensation Insurance for Leisure Sports, etc. In addition, a switch on/off function is provided so that a predetermined period can be arbitrarily selected within a certain period, which is an insurance contract period provided by the selected mode.

In the case of the mode setting unit 140, as illustrated in FIG. 6, a category presentation unit 141, a mode input unit 142, and a mode switching unit 143 may be included.

In the case of category presentation unit 141, if you sign a number of contracts such as i) Compensation Insurance for Dogs, ii) Compensation Insurance for International Travelers, iii) Compensation Insurance for Golf, iv) Compensation Insurance for Leisure Sports, etc. This is to give the user a choice.

The mode input unit 142 receives a function of listing and selecting a specific one among the modes suggested by the category presenting unit 141 through the display of the mobile unit 100.

In the case of the mode switching unit 143, when the user's category selection input is made by the mode input unit 142, the type of the insurance contract is switched, and then the predetermined period that the user switches on is the insurance contract content in the selected category. It is time for insurance coverage according to.

5 and 8, the mobile unit 100 may further include an information providing unit 160.

In the case of the information providing unit 160, weather information or health information from an external server is outsourced and presented to the user.

In the case of the information providing unit 160, as shown in FIG. 8, a weather information providing unit 161 and a health information providing unit 162 may be included.

First, the weather information providing unit 161 is configured to receive weather information from an external server and provide it to a user.

The external server may be a server provided by the Korea Meteorological Administration, etc., where the weather information includes at least one of fine dust concentration information, pollen concentration information, precipitation information, or wind speed information in the air.

The health information providing unit 162 is also configured to receive health information from an external server and provide it to the user.

Here, the health information may be user's walking distance information, walking step information, and the like, as illustrated in FIG. 9, or may be user's heart rate information.

The scope of rights of the present invention is determined by the matters described in the claims, and the parentheses used in the claims are not used for selective limitation, but are used for clear elements, and the descriptions in parentheses are also interpreted as essential elements. Should be.

100: mobile unit 110: location recognition unit
120: time check unit 130: switch switching unit
140: mode setting unit 141: category presentation unit
142: mode input unit 143: mode switching unit
150: event acquisition unit 151: accident input unit
152: position check unit 153: time check unit
154: risk check unit 155: security processing unit
160: information providing unit 161: weather information providing unit
162: health information providing unit 200: integrated control server

Claims (10)

A mobile unit that maintains an insurance contract with a user for a certain period of time, and allows the user to arbitrarily select a predetermined period within the predetermined period, and to present an insurance premium in proportion to the predetermined period; And
Networking with the mobile unit, managing user authentication, and when the user randomly selects the predetermined period, guarantees the user's insurance by the predetermined period, calculates the insurance premium by the predetermined period, and calculates the premium by the predetermined period. Including the integrated control server presented through,
The mobile unit,
A location recognition unit selectively recognizing location information on the surface of the mobile unit within the predetermined period;
A time check unit providing time information linked to the location information of the mobile unit within the predetermined period, and counting the predetermined period and the predetermined period;
A switch switching unit that provides the user an option to randomly select the predetermined period; And
And an event acquisition unit that receives an event guaranteed by the insurance contract from the user and transmits it to the integrated control server.
The switch switching unit,
The predetermined period starts when the user switches on, and the predetermined period ends when the user switches off,
Within the predetermined period, it is possible to arbitrarily select the predetermined period multiple times by the user,
The integrated control server,
According to the switch switching unit, the user counts the premium in proportion to the time from the start of the predetermined period to the end of the predetermined period,
The event acquisition unit,
An accident input unit that presents the content of the event guaranteed by the insurance contract and receives the fact of the event from the user;
A location check unit receiving the location information from the location recognition unit, checking event occurrence location information of a point at which the event where the accident input unit is inputted and interlocking with the event;
A time check unit that receives the time information from the time check unit, checks the event occurrence time information at which the event received by the accident input unit is input, and interlocks the event; And
i) The event occurrence position information and the event occurrence time information of the event received by the accident input unit are ii) from the start time of the predetermined period to the end time of the predetermined period according to the switch switching unit. And a risk check unit that checks whether it is within a temporal range and a local range of the insurance switching system.

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