KR102181452B1 - Interactive subscription offering system in case that contractor and insured are different, and method for offering interactive subscription - Google Patents

Abstract

The present invention relates to a system and a method for providing an interactive subscription service in which a contractor and an insured person are different. According to the present invention, the method includes: a first step wherein an interactive insurance subscription server (300) provides a subscription product menu for insurance subscription in accordance with chatbot-based interactive subscription to a contractor mobile device (100) through a network (200) after the access of the contractor mobile device (100) through the network (200); a second step wherein the interactive insurance subscription server (300) receives selection information about at least one subscription product of the subscription product menu from the contractor mobile device (100) through the network (200) to store the same in a database (330); a third step wherein the interactive insurance subscription server (300) carries out a subscription plan regarding the contractor mobile device (100) through an online messenger chatbot; and a fourth step wherein the interactive insurance subscription server (300) carries out a separate subscription procedure regarding the contractor and an insured person if the contractor and the insured person are different by analyzing whether the contractor operating the contractor mobile device (100) in accordance with the progress of the subscription plan and the insured person written on the subscription plan document are different. Accordingly, since the contractor and the insured person individually confirm subscription-related documents and perform personal authentication through online messenger chatting robots for insurance subscription in which the contractor and the insured person are different, the present invention can have an effect of improving the right of the insured person as well as preventing the abuse of insurances such as an insurance fraud.

Description

Interactive subscription offering system in case that contractor and insured are different, and method for offering interactive subscription}

The present invention relates to a system and method for providing an interactive cinnamon award, and more specifically, for insurance subscriptions in cases where the contractor and the insured are different, the contractor and the insured use an online messenger chat robot to check subscription-related documents, and The present invention relates to a system and method for providing an interactive cinnamon award for not only improving the rights of the insured by performing personal authentication, but also preventing the result of abuse of insurance such as insurance fraud.

In order to prepare for the risk of unpredictable disasters or accidents in the future, the common reinsurance can be predicted in the future by making money in advance in preparation for many people who are at high risk of experiencing the same type of accidents, unforeseen accidents, and old age. In order to prepare for the risk of no disaster or accident, many people with high risk of suffering the same type of accident, accidental accident, retirement, etc., prepare money in advance to form a common reserve property. It is a paid economic system.

The types of insurance products are also diversifying to create a new profit model and the desires of various consumers as well as the complexity of society. As the types of insurance products become diversified, when subscribing to each newly developed insurance product, not only the current situation but also the unpredictable situation must be considered.

In addition, if the policyholder and the insured are different, the procedure for termination of insurance by the insured is complicated, and if the insured abuses insurance, the insured improves the rights of not only the policyholder, but also the insured, as problems such as insurance fraud at risk occur There is a need for technology development to do so.

Korean Patent Application No. 10-2014-0085038 "Method and Apparatus for Providing Insurance Product Sales Information (METHOD AND APPARATUS FOR PROVIDING INSURANCE SALES INFORMATION)"

The present invention is to solve the above problems, and by using an online messenger chat robot to each of the contractor and the insured for insurance subscription when the contractor and the insured are different, the rights of the insured It is intended to provide a system and method for providing an interactive cinnamon prize for not only improving the value, but also preventing the consequences of abuse of insurance, such as insurance fraud.

In addition, in the present invention, in the case of different insurance contracts between the contractor and the insured, it is difficult to proceed online, and a problem such as a legal problem or a shortage of time when it is required on the same day occurs. By inviting both people to the same online space, the chat window, and having both sides display the screen and interactively proceeding with the contract, the contractor and the insured are the same in order to allow both parties to enter into the contract in real time. In the case of various types of insurance products, the service is first verified through a chatbot service for various insurance products, and secondly, by obtaining consent from the contractor's information, providing a one-stop service from recommendation to subscription of insurance products with improved precision. This is to provide a system and method for providing an interactive cinnamon award to prevent the risk of damage caused by insurance product subscription and termination.

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

In order to achieve the above object, the method for providing an interactive cinnamon subscription according to an embodiment of the present invention is a chatbot according to the interactive insurance subscription server 300 accessing the contractor's mobile device 100 through the network 200. A first step of providing a subscription product menu for subscription for insurance subscription to the contractor's mobile device 100 through the network 200 according to the based interactive subscription; The second step in which the interactive insurance subscription server 300 receives selection information for at least one subscription product from the subscription product menu from the mobile device 100 of the contractor through the network 200 and stores it in the database 330 ; A third step in which the interactive insurance subscription server 300 proceeds with a subscription design for the contractor's mobile device 100 through an online messenger chatbot; And the interactive insurance subscription server 300 analyzes whether there is a cinnamon difference, which means that the contractor who operates the mobile device 100 of the contractor according to the subscription design process and the insured person listed on the subscription plan are different, and finds the cinnamon difference. A fourth step of performing a separate subscription subscription procedure for the insured and the contractor, if so; It characterized in that it comprises a.

The system and method for providing an interactive cinnamon transaction according to an embodiment of the present invention provides an online messenger chat robot to each of the contractor and the insured for insurance subscription when the contractor and the insured are different. By doing so, it not only improves the rights of the insured, but also provides an effect of preventing in advance the consequences of abuse of insurance such as insurance fraud.

In addition, the system and method for providing an interactive cinnamon transaction according to another embodiment of the present invention is a point that it is difficult for the contractor and the insured to proceed online in the case of different insurance contracts. In this case, there was a problem such as a shortage of time, so both the contractor and the insured invited them to the same online space, a chat window, displayed a screen on both sides, and allowed both parties to proceed with the contract interactively. The contract proceeds, providing the effect of signing the contract in real time.

In addition, the system and method for providing an interactive cinnamon transaction according to another embodiment of the present invention is a chatbot for various insurance products with various types and services, not only when the contractor and the insured are different, but also when the contractor and the insured are the same. By providing a one-stop service from recommendation to subscription of insurance products with improved precision by obtaining consent from the contractor's information after the first verification through the service, it is possible to prevent the risk of damage due to incorrect insurance product subscription and termination. It can provide a good effect.

1 is a diagram showing an interactive cinnamon merchant subscription providing system 1 according to an embodiment of the present invention.
FIG. 2 is a block diagram showing the components of the interactive insurance subscription server 300 of the interactive cinnamon service subscription providing system 1 according to an embodiment of the present invention.
3 is an overall flow chart showing a method of providing an interactive cinnamon prize subscription according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a subscription process performed by the insured mobile device 400 operated by the insured among the interactive cinnamon award providing method according to an embodiment of the present invention.
5 is a flowchart illustrating a subscription process performed by a contractor mobile device 100 operated by a contractor in an interactive cinnamon award providing method according to an embodiment of the present invention.

Hereinafter, a detailed description of a preferred embodiment of the present invention will be described with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

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

1 is a diagram illustrating an interactive cinnamon merchant subscription providing system 1 according to an embodiment of the present invention. Referring to FIG. 1, the interactive cinnamon-based subscription providing system 1 includes a contractor mobile device 100, a network 200, an interactive insurance subscription server 300 and an insured mobile device 400, and a big data server ( 500) may be included.

The network 200 is a communication network, which is a high-speed backbone network of a large communication network capable of large-capacity, long-distance voice and data services, and may be a next-generation wired or wireless network for providing Internet or high-speed multimedia services. When the network 200 is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, there may be a communication network of a wideband code division multiple access (WCDMA) type. In this case, although not shown in the drawing, the network 200 may include a Radio Network Controller (RNC). Meanwhile, although the WCDMA network was taken as an example, it may be a 3G LTE network, a 4G network, a next-generation communication network such as 5G, or an IP network based on other IPs. The network 200 serves to mutually transmit signals and data between the contractor mobile device 100, the interactive insurance subscription server 300 and the insured mobile device 400, the big data server 500), and other systems. do.

FIG. 2 is a block diagram showing the components of the interactive insurance subscription server 300 of the interactive cinnamon purchase providing system 1 according to an embodiment of the present invention. Referring to FIG. 2, the interactive insurance subscription server 300 may include a transceiver 310, a control unit 320, and a database 330. The control unit 320 includes an insurance subscription design module 321, a cinnamon difference analysis module 322, a premium calculation providing module 323, an insured invitation module 324, an insured process module 325, and a contractor process module 326. Can include.

The insurance subscription design module 321 displays a subscription product menu for subscription for insurance subscription according to a chatbot-based interactive subscription after access of the contractor's mobile device 100 through the network 200 through the network 200. Through this, the transmission/reception unit 310 may be controlled to be provided to the contractor's mobile device 100.

The insurance subscription design module 321 may receive selection information on at least one subscription product from the subscription product menu from the subscriber's mobile device 100 through the network 200 and store it in the database 330.

The insurance subscription design module 321 may control the transmission/reception unit 310 to proceed with the subscription design for the contractor's mobile device 100 through an online messenger chatbot.

The cinnamon disparity analysis module 322 may analyze whether a cinnamon disparity, which means that the insured person described on the subscription design is different from the contractor who operates the contractor mobile device 100 according to the subscription design progress.

When a cinnamon difference is not found as a result of the determination according to the analysis, the cinnamon difference analysis module 322 may proceed with insurance subscription using an existing hypothesis/subscription method.

More specifically, the cinnamon phase analysis module 322 is based on the insurance design dialogue platform provided by the big data server 500, according to the request of the contractor mobile device 100, the contractor mobile device 100 and the big data server While relaying the online messenger chat robot service between 500, insurance design, insurance inquiries, insurance subscription, etc. are displayed in the chat robot service provision window implemented in the contractor's mobile device 100 to recommend one of the subscription products selected by the contractor. Likewise, when keywords related to insurance (insurance premium, subscription product, etc.) and identification characters (?, inquiry, etc.) indicating a question are simultaneously entered, account information of the contractor's mobile device 100 at the time of access May be stored in the database 330 together with the insurance-related keyword.

Thereafter, the cinnamon phase analysis module 322 controls the transmission/reception unit 310 to transmit category information classified by insurance premium and subscription product among keywords to the big data server 500 through the network 200, A transmission/reception unit (transmitting/receiving unit) to receive the contents of a query for each category for subscription to subscription products provided from the big data server 500, and to provide the received query contents to the contractor's mobile device 100 to receive answers to each query contents ( 310).

That is, the cinnamon disparity analysis module 322 investigates the preference of subscription products among a plurality of subscription products in a query and response format according to category information, and then sends the preference investigation details to the big data server 500 through the network 200. After controlling the transmission/reception unit 310 to transmit, at least one subscription product matching the preference survey details is received from the big data server 500 and transmitted to the contractor mobile device 100 to be transmitted from the contractor mobile device 100. Controls the transmission and reception unit 310 to receive a selection signal for one of the subscription products.

The cinnamon disparity analysis module 322 is a method of providing a transmission situation of the subscription product information selected by the user to the insurance company rule server 600 through an online messenger chat robot service to the contractor's mobile device 100, The transmission/reception unit 310 is controlled to transmit the subscription product information selected to the insurance company rule server 600 through the network 200 through the network 200. Thereafter, the cinnamon disparity analysis module 322 induces participation in the conversation with the insurance company rule server 600 with an online messenger chat robot service, and then the insurance product by subscription period corresponding to the subscription product information on the insurance company rule server 600. Controls the transmission/reception unit 310 to provide a chat robot service UI screen for receiving the calculated insurance premium by requesting the calculation of the insurance premium of the contractor to the mobile device 100. To this end, it is preferable that the insurance company rule server 600 stores insurance premiums for each subscription period according to each subscription subscription product in advance.

That is, the cinnamon phase analysis module 322 provides the transmission/reception unit 310 to provide the insurance premium information calculated and provided from the insurance company rule server 600 to the contractor's mobile device 100 through the network 200 as a chat robot service UI screen. To control.

On the other hand, the cinnamon disparity analysis module 322 transmits a request for cancellation refund information for the selected subscription product to the insurance company rule server 600 through the network 200 according to the request for the cancellation refund information by the contractor mobile device 100, After receiving the insurance premium payment deadline and cancellation refund information for each payment amount from the insurance company rule server 600, the refund information is provided to the contractor's mobile device 100 through the network 200 on the online messenger chat robot service UI screen for each payment deadline. It is possible to control the transceiver 310.

In addition, when the subscription product is annuity insurance, the cinnamon disparity analysis module 322 transfers the network 200 to the selected subscription product to the insurance company rule server 600 according to the request for example pension amount information by the contractor's mobile device 100. After transmitting the request for example pension amount information, the contractor's mobile device 100 is received from the insurance company rule server 600 according to the change in interest rate from the current interest rate and by the insurance premium payment deadline and amount. ), it is possible to control the transmission/reception unit 310 to provide example information of an pension amount on a chat robot service UI screen for each payment period.

The cinnamon disparity analysis module 322 collects user information to accurately provide a change value according to each customer information in the insurance premium information for the selected subscription product, the user to the contractor mobile device 100 through the network 200 The transmission/reception unit 310 is controlled to receive consent for information processing by requesting consent for information processing on the online messenger chat robot service UI screen.

Thereafter, the cinnamon disparity analysis module 322 transmits customer information (age, gender, marital status, child presence, e-mail, mobile phone number information, etc.) for online messenger authentication of the contractor who operates the contractor's mobile device 100. ) Through the online messenger chat robot service UI screen, received from the contractor's mobile device 100, and then matched with the contractor's account stored in the database 330 to store customer information together.

The cinnamon disparity analysis module 322 is an online messenger through the form of identity authentication through the transmission of an encrypted character through the network 200 to the contractor mobile device 100 user using contact information such as e-mail, mobile phone number information, etc. among the input customer information. The transmission/reception unit 310 may be controlled to perform customer confirmation on the chat robot service UI screen through authentication.

The cinnamon disparity analysis module 322 is provided by the contractor's mobile device 100 and provides the user's customer information (age, gender, marital status, child status, e-mail, mobile phone number information, etc.) with the network 200. Sending/receiving to perform a job search for the user who operates the contractor mobile device 100 through a job search request along with transmission to the connected big data server 500 in response to a preset provided question on the chat robot service UI screen Controls the unit 310.

In addition, the cinnamon disparity analysis module 322 provides customer information (age, gender, marital status, child status, e-mail, mobile phone number information, etc.) of a user who has been provided from the contractor's mobile device 100 and has received consent to process information on a network 200 ), and by sending to the big data server 500 connected to) and searching for an address for the user who operates the contractor's mobile device 100 through a request to find an address, by responding to a predetermined question provided on the chat robot service UI screen The transceiver 310 is controlled so as to be performed.

The cinnamon disparity analysis module 322 generates insurance design details by reflecting customer information and job for the pension amount for the selected subscription product and cancellation refund information for the selected subscription product, and then searches the generated insurance design details. It may be created together with address information and stored in the database 330.

The cinnamon disparity analysis module 322 includes the insurance company review server 700 and the insurance company review server 700 to perform a pre-contract notification notification to the contractor mobile device 100 for the insurance design details generated through the network 200 through the insurance company review server 700. In order to provide an online messenger chat robot service between the contractor mobile devices 100, the transmission/reception unit 310 may be controlled to receive a response through a request for participation in the chat robot service to the insurance company examination server 700.

Accordingly, the insurance company examination server 700 performs a process of checking the insurance design details document for the contractor mobile device 100 through the network 200 based on the chat robot service, and sequentially subscribes to the contractor mobile device 100 Subscription design information transmission, product description information transmission, comparison guide information transmission, subscription information transmission, and terms and conditions information transmission are performed.

On the other hand, the cinnamon phase analysis module 322, upon recognizing that the transmission of terms and conditions information on the chat robot service by the insurance company examination server 700 is completed, chats the payment information input according to the insurance design detail document to the contractor's mobile device 100 After controlling the transmission/reception unit 310 to transmit and store payment information requested and received on the robot service to the insurance company review server 700, the online messenger authentication process for payment of insurance premiums for the contractor's mobile device 100 is a chat robot. Display the UI screen on the service.

Accordingly, the cinnamon-transfer analysis module 322 proceeds with online pay payment through the network 200 to the contractor's mobile device 100 on the chat robot service, after completing the insurance subscription according to the insurance design detail document, and then the database ( After storing in 330, the transmission/reception unit 310 is controlled to perform insurance sales monitoring for the contractor mobile device 100 again through the network 200 on the chat robot service.

More specifically, the cinnamon phase analysis module 322 provides an automated survey service for the contractor's mobile device 100 through an online messenger service or a chatbot messaging service, and then sends the survey details through the network 200 to a big data server ( It is possible to control the transmission/reception unit 310 to transmit and store 500).

In addition, the cinnamon disparity analysis module 322 provides not only the survey details of the contractor mobile device 100 through the online messenger service or the chatbot messaging service, but also the conversation details based on the insurance design dialogue platform through the network 200. By controlling the transmission/reception unit 310 to be transmitted to and stored in 500, it can be utilized for analysis of guaranteeing artificial intelligent charity design.

On the other hand, the insurance premium calculation providing module 323 is a transmission/reception unit to receive insurance premium calculation information, which is information for calculating insurance premiums, from the contractor's mobile device 100 through the network 200, when a difference point is found as a result of determination according to the analysis. Can control 310.

The insurance premium calculation providing module 323 may perform a process of calculating an insurance premium corresponding to an amount paid and an amount received according to the input insurance premium calculation information. In a more specific embodiment, the insurance premium calculation providing module 323 may store insurance premium calculation information performed by the big data server 500 according to a request for transmission of insurance premium calculation information to the big data server 500 through the network 200. It can be done in a way that is returned.

The insurance premium calculation providing module 323 may control the transmission/reception unit 310 to transmit the subscription requirements for the subscription subscription product for which the insurance premium is calculated to the contractor mobile device 100 through the network 200. Here, the registration requirements may include a copy of the ID card, an accredited certificate, etc.

The insured invitation module 324 uses the insured's terminal identification number (IMEI) described on the subscription plan through the network 200 to the insured person as an online messenger chatbot for the insured mobile device 400 corresponding to the terminal identification number. Through the invitation, it is possible to determine whether to respond to the insured invitation within a preset time. Herein, the insured invitation may be performed by providing URL information for entry to an online messenger for inviting the insured using an LMS format as well as a message format through an online messenger.

As a result of the determination, when the insured mobile device 400 does not respond to the insured invitation, the insured invitation module 324 is separately provided according to the agent connection through designation of one of the plurality of agent terminals 300a connected through the LAN method. It can be controlled to perform an ongoing process.

In addition, as a result of the determination, if the insured mobile device 400 responds to the insured invitation, the insured invitation module 324 will be described later for the insured mobile device 400 operated by the insured and the contractor mobile device 100 operated by the contractor. The notification may be performed to the insured process module 325 and the contractor process module 326, respectively, to perform entry into the same subscription process.

In the insured process module 325, since the insured mobile device 400 responded to the insured invitation performed by the insured invitation module 324, it is a chat room for executing an online messenger chatbot to proceed with accepting the insured subscription invitation. A temporary ID or a regular ID of the insured mobile device 400 is generated to enter the chat room.

In addition, the insured process module 325 may proceed to collect and use personal information in a chat room for executing an online messenger chatbot for the insured mobile device 400 through the network 200.

The insured process module 325 may perform authentication for the insured person. More specifically, the insured process module 325 is the e-mail address of the insured who operates the insured mobile device 400 on the subscription plan generated in advance according to the identity authentication request of the insured mobile device 400 through the network 200, Identity authentication may be performed by using a terminal identification number, or the like, or may be performed through a contrast between an identification photo of the insured and a video image captured by the insured mobile device 400 in real time.

The insured process module 325 may perform a personal information input process on a chat room created to execute an online messenger chatbot opened between the insured mobile device 400 and the network 200. The personal information provided here may include the insured's gender, age, address, and the presence of a disease.

The insured process module 325 inputs and provides a notification notice corresponding to the notices of the insurance policy for the insured in the chat room created to execute the online messenger chatbot opened through the network 200 between the insured mobile device 400 and the insured person. can do.

The insured process module 325 provides subscription-related document information corresponding to the pre-generated subscription plan on the chat room created for execution of the online messenger chatbot opened through the network 200 between the insured mobile device 400 and the insured mobile device 400. The insured person who operates the insured mobile device 400 can be checked.

The insured process module 325 provides subscription-related document information corresponding to the pre-generated subscription plan on the chat room created for execution of the online messenger chatbot opened through the network 200 between the insured mobile device 400 and the insured mobile device 400. The digital signature image may be stored in the database 330 by allowing the insured to directly perform an electronic signature in the signature column of the subscription plan.

Since the insured mobile device 400 responded to the insured invitation of the insured invitation module 324 in the contractor process module 326, a chat room or a separate contractor running an online messenger chatbot to proceed with accepting the insured subscription invitation. As a chat room that executes the online messenger chatbot, a temporary ID or a regular ID of the contractor's mobile device 100 may be generated to enter the contractor into the chat room.

The contractor process module 326 may control the transmission/reception unit 310 to proceed with personal information collection and use agreement in a chat room for executing an online messenger chatbot for the contractor mobile device 100 through the network 200.

The contractor process module 326 may perform authentication for the contractor himself. More specifically, the contractor process module 326 is the email address of the contractor who operates the contractor's mobile device 100 in the subscription plan generated in advance according to the identity authentication request of the contractor mobile device 100 through the network 200, Identity authentication may be performed in a manner using a terminal identification number, or the like, or may be performed through a contrast between an identification photo of the insured and a video image captured by the contractor's mobile device 100 in real time.

The contractor process module 326 may control the transmission/reception unit 310 to perform a personal information input process in a chat room created for executing an online messenger chatbot opened between the contractor mobile device 100 and the network 200. have. The personal information provided here may include the insured's gender, age, address, and the presence of a disease.

The contractor process module 326 inputs and provides a notification notice corresponding to the notices of the insurance policy for the insured in the chat room created to execute the online messenger chatbot opened through the network 200 between the contractor mobile device 100 and the contractor. The transceiving unit 310 may be controlled so as to be performed.

The contractor process module 326 provides subscription-related document information corresponding to the pre-generated subscription plan on the chat room created for execution of the online messenger chatbot opened through the network 200 between the mobile device 100 and the contractor. The contractor may control the transceiver 310 so that the contractor who operates the mobile device 100 checks.

The contractor process module 326 provides subscription-related document information corresponding to the pre-generated subscription plan on the chat room created for execution of the online messenger chatbot opened through the network 200 between the insured mobile device 400 and the insured mobile device 400. It is possible to determine whether or not to complete the electronic signature of the insured in advance according to the process performed by the insured process module 325 in which the insured directly performs the electronic signature in the signature column of the subscription plan.

That is, the process performed by the insured process module 325 and the process performed by the contractor process module 326 proceed to their respective processes regardless of the time passed, but enter the subsequent process by the contractor process module 326 In order to do so, the contractor process module 326 must determine whether the interactive insurance subscription server 300 has completed the electronic signature of the insured in advance.

When the electronic signature of the insured is not completed as a result of the determination, the contractor process module 326 waits for a predetermined time for the electronic signature of the insured, and then analyzes again whether the electronic signature of the insured is completed. Can be performed repeatedly until stored in ).

On the contrary, when the electronic signature of the insured person is completed as a result of the determination, the contractor process module 326 requests insurance premium payment on the chat room created for execution of the online messenger chatbot opened through the network 200 between the contractor mobile device 100 and, Financial payments with a bank server or a card company server (not shown) may be relayed so that an account transfer or card payment using an identity authentication means such as an accredited certificate by the contractor mobile device 100 is performed.

The contractor process module 326 provides subscription-related document information corresponding to the generated subscription plan on the chat room created to execute the online messenger chatbot opened through the network 200 between the mobile device 100 and the contractor to subscribe. The digital signature image may be stored in the database 330 by allowing the contractor to directly perform an electronic signature in the signature column of the subscription plan.

The contractor process module 326 may complete the insurance subscription by storing the subscription plan in the database 330 in a form including all electronic signature information of the insured and the contractor on the subscription plan.

3 is an overall flow chart showing a method for providing an interactive cinnamon prize subscription according to an embodiment of the present invention. Referring to FIG. 3, the interactive insurance subscription server 300 is a subscription product for subscription for insurance subscription according to a chatbot-based interactive subscription after access of the contractor's mobile device 100 through the network 200. A menu is provided to the contractor's mobile device 100 through the network 200 (S11).

After step (S11), the interactive insurance subscription server 300 receives selection information on at least one subscription product from the subscription product menu from the subscriber's mobile device 100 through the network 200, and the database 330 It is stored in (S12).

After step (S12), the interactive insurance subscription server 300 proceeds to design a subscription for the contractor mobile device 100 through an online messenger chatbot (S13).

After step (S13), the interactive insurance subscription server 300 analyzes whether there is a cinnamon difference indicating that the contractor who operates the mobile device 100 of the contractor according to the subscription design process and the insured person described in the subscription plan are different. Do (S14).

As a result of the determination according to the analysis in step S14, the interactive insurance subscription server 300 proceeds with insurance subscription in the existing hypothesis/subscription method when the cinnamon difference is not found (S15).

As a result of the determination according to the analysis in step S14, when a difference point is found, the interactive insurance subscription server 300 transmits insurance premium calculation information, which is information for calculating insurance premiums, from the contractor's mobile device 100 through the network 200. The input is received (S16).

After step S16, the interactive insurance subscription server 300 performs a process of calculating an insurance premium corresponding to the premium payment amount and the premium received amount according to the input insurance premium calculation information (S17). In a more specific embodiment, the interactive insurance subscription server 300 includes insurance premium calculation information performed by the big data server 500 according to a request for transmission of insurance premium calculation information to the big data server 500 through the network 200. This can be done by returning

After step (S17), the interactive insurance subscription server 300 transmits the subscription requirements for the subscription subscription product for which the premium is calculated to the contractor's mobile device 100 through the network 200 (S18).

After step (S18), the interactive insurance subscription server 300 uses the terminal identification number (IMEI) of the insured on the subscription plan through the network 200 to use the insured mobile device 400 corresponding to the terminal identification number. It is determined whether to respond to the insured invitation within a preset time through the insured invitation to the online messenger chatbot for (S19).

Here, the insured invitation may be performed by providing URL information for entry to an online messenger for inviting the insured using an LMS format as well as a message format through an online messenger.

On the other hand, as a result of the determination in step S19, when the insured mobile device 400 does not respond to the insured invitation, the interactive insurance subscription server 300 is connected to one of the plurality of counselor terminals 300a connected through the LAN method. Controls to perform a separate process according to the connection to the counselor through the designation (S20).

Conversely, if the insured mobile device 400 responds to the insured invitation as a result of the determination in step S19, the same will be described later for the insured mobile device 400 operated by the insured and the contractor mobile device 100 operated by the contractor. Entering into the subscription process is performed (S21).

FIG. 4 is a flowchart illustrating a subscription process performed by the insured mobile device 400 operated by the insured among the interactive cinnamon award providing method according to an embodiment of the present invention. Referring to Figure 4, the interactive insurance subscription server 300, since the insured mobile device 400 responded to the insured invitation in step S19, for executing an online messenger chatbot to proceed with the acceptance of the insured subscription invitation. A temporary ID or a regular ID of the insured mobile device 400 is generated on the chat room and enters the chat room (S31).

After step S31, the interactive insurance subscription server 300 proceeds to consent to collection and use of personal information in a chat room for executing an online messenger chatbot for the insured mobile device 400 through the network 200 (S32).

After step (S32), the interactive insurance subscription server 300 performs authentication for the insured person (S33). More specifically, the interactive insurance subscription server 300 operates the insured mobile device 400 on the subscription plan generated in step S14 according to the identity authentication request of the insured mobile device 400 through the network 200 Identity authentication can be performed by using the insured's e-mail address, terminal identification number, etc., or through the contrast between the insured's ID photo and the video image captured by the insured mobile device 400 in real time. .

After step (S33), the interactive insurance subscription server 300 performs the personal information input process on the chat room created to execute the online messenger chatbot opened through the network 200 between the insured mobile device 400 ( S34). The personal information provided here may include the insured's gender, age, address, and the presence of a disease.

After step (S34), the interactive insurance subscription server 300 is a notice of the insurance policy for the insured in the chat room created for the execution of the online messenger chatbot opened between the insured mobile device 400 and the network 200 Provided by inputting a notification notice corresponding to (S35).

After step (S35), the interactive insurance subscription server 300 is opened through the network 200 between the insured mobile device 400 and the subscription-related document information corresponding to the subscription plan generated in step (S14). It is provided on the chat room created for the online messenger chatbot to be checked by the insured who operates the insured mobile device 400 (S36).

After step (S36), the interactive insurance subscription server 300 is opened through the network 200 between the insured mobile device 400 and the subscription-related document information corresponding to the subscription plan generated in step (S14). The electronic signature image is stored in the database 330 by providing the online messenger chatbot on the chat room created to execute the electronic signature in the signature column of the subscription plan (S37).

5 is a flowchart illustrating a subscription process performed by a contractor mobile device 100 operated by a contractor in an interactive cinnamon award providing method according to an embodiment of the present invention. Referring to Figure 5, the interactive insurance subscription server 300, since the insured mobile device 400 responded to the insured invitation in step S19, a chat room that executes an online messenger chatbot to proceed with accepting the insured subscription invitation. Alternatively, a temporary ID or a regular ID of the contractor's mobile device 100 is generated as a chat room that executes an online messenger chatbot for a separate contractor to create a room (S41).

After step S41, the interactive insurance subscription server 300 proceeds to consent to collection and use of personal information in a chat room for executing an online messenger chatbot for the contractor's mobile device 100 through the network 200 (S42).

After step (S42), the interactive insurance subscription server 300 performs authentication for the contractor himself (S43). More specifically, the interactive insurance subscription server 300 operates the contractor mobile device 100 on the subscription design generated in step S14 according to the identity authentication request of the contractor mobile device 100 through the network 200 Identity authentication can be performed by using the contractor's email address, terminal identification number, etc., or through the contrast between the ID photo of the insured and the video image taken by the contractor's mobile device 100 in real time. .

After step S43, the interactive insurance subscription server 300 performs a process of entering personal information in a chat room created to execute an online messenger chatbot opened between the contractor mobile device 100 and the network 200 ( S44). The personal information provided here may include the insured's gender, age, address, and the presence of a disease.

After step (S44), the interactive insurance subscription server 300 is a notice of the insurance policy for the insured in the chat room created for the execution of the online messenger chatbot opened through the network 200 between the mobile device 100 and the contractor Provided by inputting a notification notification corresponding to (S45).

After step (S45), the interactive insurance subscription server 300 is opened through the network 200 between the contractor mobile device 100 and the subscription-related document information corresponding to the subscription plan generated in step (S14). The online messenger chatbot is provided on a chat room created for execution so that the contractor who operates the mobile device 100 of the contractor checks it (S46).

After step (S46), the interactive insurance subscription server 300 is opened through the network 200 between the insured mobile device 400 and the subscription-related document information corresponding to the subscription plan generated in step (S14). It is determined whether the electronic signature of the insured corresponding to the process of step (S37) in which the insured directly performs an electronic signature in the signature column of the subscription plan by providing it on the chat room created to execute the online messenger chatbot (S47). That is, the processes of steps S31 to S37 and the processes of steps S41 to S47 proceed to their respective processes regardless of the time passed, but to enter the process after step S48, interactive The insurance subscription server 300 must determine whether the electronic signature of the insured person is completed.

If the electronic signature of the insured person is not completed as a result of the determination in step S47, the interactive insurance subscription server 300 waits for the insured electronic signature for a preset time and then returns to step S47.

Conversely, when the electronic signature of the insured person is completed as a result of the determination in step S47, the interactive insurance subscription server 300 is generated for execution of the online messenger chatbot opened through the network 200 between the contractor mobile device 100 and the By requesting payment of insurance premiums on the chat room, financial payments with a bank server or a card company server (not shown) are relayed so that account transfer or card payment using an identity authentication means such as an accredited certificate by the contractor mobile device 100 is performed ( S49).

After step (S49), the interactive insurance subscription server 300 is opened through the network 200 between the contractor mobile device 100 and the subscription-related document information corresponding to the subscription plan generated in step (S14). The electronic signature image is stored in the database 330 by providing the online messenger chatbot on the chat room created to execute the electronic signature in the signature column of the subscription plan (S50).

After the step (S50), the interactive insurance subscription server 300 completes the insurance subscription by storing the subscription plan in the database 330 in a form that includes all electronic signature information of the insured and the contractor on the subscription plan (S51). ).

The present invention can also be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all types 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 disk, and optical data storage devices, and are implemented in the form of carrier waves (for example, transmission through the Internet). Also includes.

In addition, the computer-readable recording medium is distributed over a computer system connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers in the technical field to which the present invention belongs.

As described above, in the present specification and drawings, a preferred embodiment of the present invention has been disclosed, and although specific terms are used, this is only used in a general meaning to easily explain the technical content of the present invention and to aid understanding of the invention. , It is not intended to limit the scope of the present invention. In addition to the embodiments disclosed herein, it is apparent to those of ordinary skill in the art that other modified examples based on the technical idea of the present invention may be implemented.

Interactive cinnamon merchant subscription system (1)
Contractor Mobile Device(100)
Network(200)
Interactive insurance subscription server (300)
Transceiver unit 310
Control unit 320
Insurance subscription design module (321)
Cinnamon Prize Analysis Module (322)
Insurance premium calculation and provision module (323)
Insured person invitation module (324)
Insured Process Module (325)
Contractor Process Module (326)
Database(330)
Insured Mobile Device (400)
Big Data Server (500)
Insurance company tool server (600)
Insurance company examination server (700)

Claims (1)

In the interactive cinnamon award providing system (1) including the contractor mobile device 100, the network 200, the interactive insurance subscription server 300 and the insured mobile device 400, and the big data server 500 , The interactive insurance subscription server 300 includes a transmission/reception unit 310, a control unit 320 and a database 330, and the control unit 320 includes an insurance subscription design module 321, a cinnamon difference analysis module 322 , A premium calculation providing module 323, an insured invitation module 324, an insured process module 325,
Insurance subscription design module 321,
According to the chatbot-based interactive subscription following the access of the contractor's mobile device 100 through the network 200, a subscription product menu for subscription for insurance subscription to the contractor's mobile device 100 through the network 200 Controls the transmission/reception unit 310 to provide, and receives selection information on at least one subscription product from the subscription product menu from the contractor's mobile device 100 through the network 200 and stores it in the database 330, Controls the transmission/reception unit 310 to proceed with the subscription design for the contractor's mobile device 100 through an online messenger chatbot,
The cinnamon phase analysis module 322,
If the cinnamon difference is not found as a result of the determination according to the analysis, the contractor according to the subscription design process is analyzed whether there is a cinnamon difference, which means that the contractor who operates the mobile device 100 and the insured person listed on the subscription plan are different, Insurance subscription is proceeded with the existing hypothesis/subscription method,
Based on the insurance design dialogue platform provided by the big data server 500, while relaying the online messenger chat robot service between the contractor mobile device 100 and the big data server 500 at the request of the contractor mobile device 100, , Keywords related to insurance including insurance design, insurance inquiries, and insurance subscription in the chat robot service provision window implemented in the mobile device 100 of the contractor for recommendation of one of the subscription products selected by the contractor (insurance premium, subscription product Including) and an identification character (?, including inquiry) indicating a question are simultaneously input, the account information of the contractor's mobile device 100 at the time of access is stored in the database 330 along with the insurance-related keyword, and ,
After controlling the transmission/reception unit 310 to transmit category information classified by insurance premium and subscription product among keywords to the big data server 500 through the network 200, subscription subscription provided by the big data server 500 Control the transmission/reception unit 310 to receive the content of a query for each category for product subscription and provide the received query content to the contractor's mobile device 100 to receive answers to each query content,
Control the transmission/reception unit 310 to transmit the preference survey details to the big data server 500 through the network 200 after investigating the preference of subscription products among a plurality of subscription products in a query and response format according to category information. Thereafter, at least one subscription product matching the preference survey details is received from the big data server 500 and transmitted to the contractor's mobile device 100 to receive a selection signal for one of the subscription products from the contractor's mobile device 100. Controls the transceiver 310 to receive,
In a method of providing a transmission situation of the subscription product information selected by the user to the insurance company rule server 600 through the online messenger chat robot service to the contractor's mobile device 100, the insurance company rules through the network 200 After controlling the transmission and reception unit 310 to transmit the subscription product information selected by the server 600 through the network 200, and inducing participation in the conversation with the insurance company rule server 600 through an online messenger chat robot service, the insurance company Transmitting/receiving unit 310 to provide a chat robot service UI screen for receiving the calculated insurance premium by requesting the rule server 600 to calculate the insurance premium for each subscription period corresponding to the subscription product information to the contractor mobile device 100 By controlling the network 200 to control the transmission/reception unit 310 to provide the insurance premium information calculated and provided from the insurance company rule server 600 to the contractor mobile device 100 as a chat robot service UI screen,
In response to the request for cancellation refund information by the contractor's mobile device 100, the network 200 transmits a request for cancellation refund information for the selected subscription product to the insurance company rule server 600, and the insurance premium payment deadline from the insurance company rule server 600 And after receiving the cancellation refund information for each payment amount, controlling the transmission/reception unit 310 to provide the refund information to the contractor's mobile device 100 through the network 200 on the online messenger chat robot service UI screen for each payment deadline,
When the subscription product is annuity insurance, the network 200 transmits a request for the pension amount example information for the selected subscription product to the insurance company rule server 600 through the network 200 according to a request for example pension amount information by the contractor's mobile device 100, and After receiving example information of the pension amount according to the change of interest rate from the current interest rate and the due date of payment of insurance premiums from the rule server 600, and chatting with the contractor's mobile device 100 through the network 200, example information of the pension amount for each payment due date Controls the transceiver 310 to provide a robot service UI screen,
Online messenger chat robot service that gives consent to user information processing to the contractor's mobile device 100 through the network 200 to collect user information for the purpose of adjusting the variable value according to each customer information in the insurance premium information for the selected subscription product. Controls the transmission/reception unit 310 to receive information processing consent by requesting on the UI screen,
Online messenger chat robot service UI screen through the network 200 with customer information (including age, gender, marital status, child status, email, and mobile phone number information) for online messenger authentication of the contractor who operates the contractor mobile device 100 After receiving from the contractor's mobile device 100 using, and matching with the contractor account stored in the database 330, customer information is stored together,
Chatting for customer confirmation through online messenger authentication through an encrypted character transmission through the network 200 to the contractor mobile device 100 user using a contact including email and mobile phone number information among the entered customer information Controls the transceiver 310 to perform on the robot service UI screen,
The customer information (including age, gender, marital status, child status, e-mail, mobile phone number information) of the user provided from the contractor's mobile device 100 and receiving consent for information processing is transferred to the big data server 500 connected to the network 200. Controls the transmission/reception unit 310 to perform a job search for a user who operates the contractor mobile device 100 through a job search request along with transmission in response to a preset provided question on the chat robot service UI screen,
The customer information (including age, gender, marital status, child status, e-mail, mobile phone number information) of the user provided from the contractor's mobile device 100 and receiving consent for information processing is transferred to the big data server 500 connected to the network 200. Controls the transmission/reception unit 310 to perform an address search for a user who operates the contractor mobile device 100 through a request to find an address along with transmission by a response according to a preset provided question on the chat robot service UI screen,
After creating insurance design details by reflecting customer information and occupation for the pension amount for the selected subscription product and cancellation refund information for the selected subscription product, the generated insurance design details are created together with the searched address information, and a database ( 330),
Online between the insurance company review server 700 and the contractor mobile device 100 to perform a pre-contract notification notice to the contractor mobile device 100 for the insurance design details generated through the network 200 through the insurance company review server 700 In order to provide a messenger chat robot service, by controlling the transmission/reception unit 310 to receive a response through a request for participation in the chat robot service to the insurance company review server 700, the insurance company review server 700 provides a chat robot service. Based on the network 200, the process of checking the insurance design details document for the contractor's mobile device 100 is performed, and sequentially, the contractor's mobile device 100 transmits subscription design information, product description information, and comparison guide information Transmission, transmission of subscription information, and transmission of terms and conditions,
Upon recognizing that the transmission of terms and conditions information on the chat robot service by the insurance company review server 700 is completed, the contractor mobile device 100 requests the payment information input according to the insurance design details document on the chat robot service and receives the payment information. After controlling the transmission/reception unit 310 to transmit and store the insurance company examination server 700, the online messenger authentication process for insurance premium payment for the contractor mobile device 100 is output as a UI screen on the chat robot service,
After completing the insurance subscription according to the insurance design detail document by performing online pay payment through the network 200 to the contractor's mobile device 100 on the chat robot service, the insurance subscription details are stored in the database 330, Controls the transmission/reception unit 310 to perform insurance sales monitoring for the contractor mobile device 100 again through the network 200 on the chat robot service,
The insurance premium calculation providing module 323,
As a result of the determination according to the analysis, when a difference point is found, the transmission/reception unit 310 is controlled to receive premium calculation information, which is information for calculating insurance premiums, from the contractor's mobile device 100 through the network 200,
A big data server according to a request for transmission of insurance premium calculation information to the big data server 500 through the network 200 in performing the insurance premium calculation process corresponding to the premium payment amount and the insurance premium received amount according to the input insurance premium calculation information The insurance premium calculation information performed by (500) is returned in a way that
Controls the transmission/reception unit 310 to transmit the subscription requirements (including a copy of personal identification card and an accredited certificate) for the subscription subscription product for which insurance premiums are calculated to the contractor mobile device 100 through the network 200,
The insured invitation module 324,
Through the network 200, by using the insured's terminal identification number (IMEI) described in the subscription plan, the insured's mobile device 400 corresponding to the terminal identification number is invited to an online messenger chatbot within a preset time. Determine whether to respond to the insured invitation,
As a result of the determination, when the insured mobile device 400 does not respond to the insured invitation, the insured invitation module 324 is separately provided according to the agent connection through designation of one of the plurality of agent terminals 300a connected through the LAN method. Control to perform the ongoing process,
As a result of the determination, when the insured mobile device 400 responds to the insured invitation, each insured person enters the same subscription process for the insured mobile device 400 operated by the insured and the contractor mobile device 100 operated by the contractor. Performs a notification to the process module 325,
The insured process module 325,
When the insured mobile device 400 responds to the insured invitation performed by the insured invitation module 324, the insured mobile device 400 is used as a chat room for executing an online messenger chatbot to proceed with accepting the insured subscription invitation. Create a temporary ID or a regular ID of and enter the chat room,
Through the network 200, consent to the collection and use of personal information is proceeded in the chat room for running the online messenger chatbot for the insured mobile device 400,
In performing authentication for the insured person, the e-mail address and terminal of the insured who operates the insured mobile device 400 according to the subscription plan created in advance according to the identity authentication request of the insured mobile device 400 through the network 200 Identity authentication is performed in a manner using an identification number, or identity authentication is performed through a contrast between an identification photo of the insured and a video image captured by the insured mobile device 400 in real time,
A process of inputting personal information (including gender, age, address, and presence or absence of a disease) may be performed on a chat room created to execute an online messenger chatbot opened between the insured mobile device 400 and the network 200. Personal information provided here
In the chat room created for the execution of the online messenger chatbot opened through the network 200 between the insured mobile device 400 and the insured mobile device 400, a notification notice corresponding to the notices of the insurance policy for the insured is entered and provided,
The insured mobile device 400 is provided by providing the subscription-related document information corresponding to the pre-generated subscription plan on the chat room created for the execution of the online messenger chatbot opened through the network 200 between the insured mobile device 400 and the insured mobile device 400. To be checked by the operating insured
Provides subscription-related document information corresponding to the pre-generated subscription plan through the network 200 between the insured mobile device 400 and the insured in the chat room created for the execution of the online messenger chatbot, and in the signature column of the subscription plan An interactive cinnamon award providing system, characterized in that the digital signature image is stored in the database 330 by proceeding to directly perform the electronic signature.

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