KR102223337B1 - Insurance information management method, insurance information management server and insurance information management system - Google Patents

Abstract

The present invention relates to an insurance information management method, an insurance information management server, and an insurance information management system. An insurance information management method according to an embodiment of the present invention includes managing insurance information using an insurance information management server, wherein the insurance information management server receives insurance subscription information for insurance subscription from an agent server; Transmitting, by the insurance information management server, the insurance subscription information to an insurance company server; And receiving, by the insurance information management server, the insurance payment information indicating a situation in which the insurance payment is paid from the insurance company server when a condition of payment of the insurance payment occurs for the insurance subscribed by the insurance subscription information.

Description

Insurance information management method, insurance information management server and insurance information management system {Insurance information management method, insurance information management server and insurance information management system}

The present invention relates to an insurance information management method, an insurance information management server, and an insurance information management system.

In everyday life, short-term insurance is used in which the period of coverage by insurance is set to be short. Such short-term insurance includes golf insurance that pays insurance money when certain events such as hole-in-one occur during golf, mountaineering insurance for compensation for damages incurred during mountaineering activities, and fishing insurance for compensation for damages incurred during fishing activities. , Scuba diving insurance for compensation for damages incurred during scuba diving activities, and travel insurance for compensation for damages incurred during travel to specific regions abroad.

Such short-term insurance is characterized in that an insurance premium is paid once after enrollment, and is terminated in a short period of one or several days during the period of coverage by insurance subscription. In such short-term insurance, a subscriber can apply for insurance through an agent. In this case, insurance subscription information is normally managed in the form that the agency delivers the insurance subscription information received in the previous month of the month to the insurance company around the end of each month. At this time, if the insured applies for insurance, and the agent wishes to start the coverage period under the insurance before the date that the agency delivers the insurance coverage information to the insurance company according to the management schedule, the insurance coverage information will be released before the coverage period begins. There is a problem that cannot be delivered to the insurance company.

The present invention is to provide an insurance information management method, an insurance information management server, and an insurance information management system capable of effectively managing insurance information.

In addition, it is to provide an insurance information management method, an insurance information management server, and an insurance information management system capable of calculating a risk rate borne by an insurance company through managed insurance information.

In addition, it is to provide an insurance information management method, an insurance information management server, and an insurance information management system capable of calculating a corrected insurance premium through managed insurance information.

According to an aspect of the present invention, there is provided an insurance information management method for managing insurance information using an insurance information management server, the method comprising: receiving, by the insurance information management server, insurance subscription information for insurance subscription from an agent server; Transmitting, by the insurance information management server, the insurance subscription information to an insurance company server; And receiving, by the insurance information management server, insurance payment information indicating a situation in which the insurance payment is paid from the insurance company server when a condition of payment of insurance payments occurs for the insurance subscribed by the insurance subscription information. Can be provided.

The insurance information management server may further include calculating, by the insurance information management server, a risk rate, which is a degree of a burden imposed by an insurance company by paying insurance money for insurances concluded through the insurance subscription information and the insurance payment information.

In addition, the risk rate may be defined as a ratio of insurance premiums paid to insured insurers with respect to premiums collected by contracted insurances.

In addition, the risk rate may be defined as the number of insurances for which insurance money has been paid for the number of insurances concluded.

In addition, the insurance information management server may further include the step of comparing the risk rate with the current insurance premium, and calculating a corrected insurance premium.

In addition, if the risk rate is greater than the appropriate risk rate or the range of the appropriate risk rate, the modified premium is calculated so that the modified premium is greater than the current premium, and if the risk rate is less than the appropriate risk rate or the range of the appropriate risk rate, the modification The modified premium can be calculated so that the premium is smaller than the current premium.

In addition, the modified insurance premium may be adjusted such that a modified risk rate, which is a risk rate calculated based on the modified insurance premium, becomes the appropriate risk rate or falls within the range of the appropriate risk rate.

In addition, after the insurance information management server receives the insurance subscription information from the agency server, the insurance information management server transmits insurance subscription progress information to inform the subscriber terminal that the insurance subscription process is normally being processed. It may contain more.

The insurance information management server may further include receiving, from the insurance company server, insurance subscription completion information indicating that the insurance subscription based on the insurance subscription information has been processed.

In addition, after the insurance information management server receives the insurance subscription completion information, it may further include transmitting, to the subscriber terminal, insurance subscription completion guide information corresponding to the insurance subscription completion information.

In addition, the insurance information management server may further include receiving, from the insurance company server, insurance expiration information indicating a time point at which insurance-based insurance ends.

In addition, the insurance information management server may further include transmitting insurance expiration guide information corresponding to the insurance expiration information to a subscriber terminal.

According to another aspect of the present invention, in the insurance information management server that manages insurance information, the insurance subscription information for insurance subscription is received and transmitted, and the insurance payment situation occurs for the insurance subscribed by the insurance subscription information. A communication module for receiving insurance payment information indicating a situation in which the insurance is paid; A memory for storing a program for managing insurance information received through the communication module; And a control unit for executing a program for managing the insurance information.

In addition, the memory stores a program for calculating a risk rate, which is the degree of burden that an insurance company has by paying insurance money for insurances concluded through the insurance subscription information and the insurance payment information, and the control unit calculates the risk rate. You can run a program to do it.

In addition, the memory may store a program for calculating a corrected premium by comparing the risk rate with a current premium, and the controller may execute a program for calculating the corrected premium.

According to another aspect of the present invention, the agent server for transmitting insurance subscription information for insurance subscription; An insurance information management server that receives and transmits the insurance subscription information from the agency server; And receiving the insurance subscription information transmitted by the insurance information management server, and when an insurance payment situation occurs for the insurance subscribed by the insurance subscription information, insurance payment notifying the insurance payment situation to the insurance information management server. An insurance information management system including an insurance company server that transmits information may be provided.

In addition, the insurance information management server receives and transmits the insurance subscription information for insurance subscription, and informs the insurance payment information when the insurance payment situation occurs for the insurance subscribed by the insurance subscription information. A communication module for receiving; Stores a program for managing insurance information received through the communication module, a program for calculating a risk rate, which is the degree of burden that an insurer has by paying insurance money for the insurance subscription information and the insurances concluded through the insurance payment information. Memory to do; And a control unit capable of executing the insurance information management program and a program for calculating the risk rate.

According to an embodiment of the present invention, insurance information for effectively managing insurance information may be provided.

In addition, the insurance subscription information is effectively transmitted to the insurance company, so that the case where the insurance subscription information is not delivered to the insurance company before the date on which the subscriber wishes to start the insurance coverage period can be prevented.

In addition, the insurance subscriber may be able to recognize a process in which insurance subscription information is transmitted and insurance is concluded.

In addition, the risk rate borne by the insurance company may be calculated through the managed insurance information.

In addition, a modified premium is calculated through the managed insurance information, so that an opportunity to reduce the premium may be provided to the insured.

1 is a diagram illustrating an insurance information management system according to an embodiment of the present invention.
2 is a block diagram illustrating an insurance information management server of FIG. 1 according to an embodiment of the present invention.
3 is a block diagram showing the configuration of the control unit of FIG. 2.
4 is a diagram showing insurance subscription information managed by an insurance information management module.
5 is a diagram illustrating a state in which insurance subscription progress information is displayed on a subscriber terminal.
6 is a diagram illustrating a state in which insurance subscription completion guide information is displayed on a subscriber terminal.
7 is a flowchart illustrating a method of managing insurance information according to an embodiment of the present invention.
8 is a flowchart illustrating a process of calculating a modified insurance premium according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in more detail with reference to the accompanying drawings. The embodiments of the present invention may be modified in various forms, and the scope of the present invention should not be construed as being limited to the following embodiments. This embodiment is provided to more completely describe the present invention to those with average knowledge in the art. Therefore, the shape of the element in the drawings is exaggerated to emphasize a more clear description.

1 is a diagram illustrating an insurance information management system according to an embodiment of the present invention.

Referring to FIG. 1, the insurance information management system 1 may include a subscriber terminal 10, an agency server 20, an insurance information management server 30, and an insurance company server 40.

Each component constituting the insurance information management system 1 may be connected through a network. A network refers to a connection structure that enables information exchange between nodes such as terminals and servers, and examples of such a network include a 3rd Generation Partnership Project (3GPP) network and a Long Term Evolution (LTE) network. , WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), Bluetooth A network, a satellite broadcasting network, an analog broadcasting network, a Digital Multimedia Broadcasting (DMB) network, and the like are included, but are not limited thereto.

The subscriber terminal 10 may communicate with each component of the insurance information management system 1 through a network. The subscriber terminal 10 may be directly or indirectly connected to one or more of the agent server 20, the insurance information management server 30, and the insurance company server 40 through a network. Here, the direct connection means that any one component of the insurance information management system 1 is directly connected to the subscriber terminal 10 through a network, and the indirect connection is any one of the insurance information management system 1 It means that the element is connected to the subscriber terminal 10 via one or more components of the other insurance information management system 1. In the following description, it can be understood that data transmission/reception between the subscriber terminal 10 and each component of the insurance information management system 1 includes both data transmission/reception by direct connection and data transmission/reception by indirect connection. There will be, and to this end, each server may be equipped with a communication module 310 for data transmission.

In the present embodiment, each server constituting the insurance information management system 1 is described as an example in which the servers are physically separated, but the spirit of the present invention is not limited thereto. For example, each server may be a program built on one or more physical equipment and operated functionally independently, or may be understood as a module that performs different functions within one program. It can also be understood as a set of programs that share some with each other.

The agent server 20 transmits insurance subscription information including contents necessary for insurance subscription to the insurance information management server 30. Insurance subscription information may include one or more items. For example, the insurance subscription information may include the name of the insurance company, the name of the insurance provided by the insurance company, the name of the subscriber, and information on the coverage period.

The agency server 20 may receive insurance subscription information from the subscriber terminal 10. For example, the agency server 20 may allow the subscriber terminal 10 to be accessible and display the type of insurance, information on insurance, and the like on the connected subscriber terminal 10. In addition, the agency server 20 may display a screen providing convenience for inputting insurance subscription information to the connected subscriber terminal 10. In addition, when insurance subscription information is transmitted from the subscriber terminal 10, it may be provided so that it can be stored.

The insurance information management server 30 manages insurance information generated in the process of signing up and maintaining insurance, such as a process of subscribing to insurance, when claiming an insurance amount during a coverage period due to the insurance, or the end of the coverage period. The insurance information management server 30 receives insurance subscription information from the agent server 20, and stores and manages the received insurance subscription information. Further, the insurance information management server 30 transmits the insurance subscription information to the insurance company server 40. In addition, the insurance information management server 30 receives insurance payment information from the insurance company server 40, and stores and manages the received insurance payment information.

In addition, the insurance information management server 30 may calculate a risk rate through insurance subscription information and insurance payment information.

In addition, the insurance information management server 30 may calculate a modified insurance premium through insurance subscription information and insurance payment information.

In addition, the insurance information management server 30 may receive insurance subscription completion information from the insurance company server 40 and transmit insurance subscription completion guide information to the subscriber terminal 10. In addition, the insurance information management server 30 may receive insurance expiration information from the insurance company server 40 and transmit insurance expiration guide information to the subscriber terminal 10.

2 is a block diagram illustrating an insurance information management server of FIG. 1 according to an embodiment of the present invention.

Referring to FIG. 2, the insurance information management server 30 according to an embodiment of the present invention includes a communication module 310, a memory 320, and a control unit 330. The communication module 310, the memory 320, and the control unit 330 may be physically separated and implemented, or one or more of them may be integrated and implemented. Here, the controller 330 may control the communication module 310 and the memory 320, and may read and process data stored in the memory 320 or transmitted through the communication module 310 according to a predetermined program. It can be understood as a processor.

The communication module 310 may communicate wired or wireless data with the insurance company server 40, the agency server 20, and the subscriber terminal 10 through a network. The communication module 310 receives insurance subscription information from the agent server 20. The communication module 310 transmits insurance subscription information to the insurance company server 40. The communication module 310 receives information about the insurance payment now from the insurance company server 40. The communication module 310 may receive insurance subscription completion information from the insurance company server 40 and transmit insurance subscription completion guide information to the subscriber terminal 10. The communication module 310 may receive insurance expiration information from the insurance company server 40 and transmit insurance expiration guide information to the subscriber terminal 10.

The memory 320 may store received data, a program for managing insurance information, and various types of data. In addition, a program for calculating the risk rate may be stored in the memory 320. In addition, a program for calculating a modified insurance premium may be stored in the memory 320. Here, the memory 320 collectively refers to a nonvolatile storage device that continuously maintains stored information even when power is not supplied.

The control unit 330 executes a program stored in the memory 320 and applies the stored data to the program. In this case, the control unit 330 may execute a program to arrange the received insurance subscription information in a set form. In addition, the controller 330 may execute a program so that the received data is stored in the memory 320. In addition, the control unit 330 may execute a program so that data is transmitted through the communication module 310.

In addition, the control unit 330 may calculate the risk rate using the insurance subscription information and insurance payment information stored by executing the program. In addition, the control unit 330 may execute a program and calculate the corrected insurance premium.

3 is a block diagram showing the configuration of the control unit of FIG. 2.

Referring to FIG. 3, the control unit 330 may include an insurance information management module 331, a risk rate calculation module 333, and an insurance premium calculation module 335.

The insurance information management module 331 manages the received insurance information. Insurance information may include insurance subscription information, insurance subscription completion information, insurance payment information, and insurance expiration information. The insurance information management module 331 may allow the received insurance information to be stored in the memory 320 or may cause the information to be transmitted through the communication module 310.

4 is a diagram showing insurance subscription information managed by the insurance information management module, FIG. 5 is a diagram showing a state in which insurance subscription progress information is displayed on a subscriber terminal, and FIG. 6 is a diagram showing insurance subscription completion guide information on the subscriber terminal. It is a diagram showing the state.

The insurance information management module 331 may manage data in a form in which a plurality of items are included in one insurance subscription information.

The insurance subscription information may include insurance specific information for specifying the insurance that the subscriber wishes to subscribe to and subscriber specific information for specifying the subscriber. Insurance specific information can have more than one item. For example, the insurance specific information may include the name of the insurance company providing the insurance and the type of insurance provided by the insurance company. The type of insurance may be provided in the form of the name of the insurance. In addition, the insurance specific information may include information on a coverage period for specifying a period in which coverage by insurance subscription is made. In addition, the insurance subscription information may include information on a sales channel. The sales channel may be understood as the agent server 20 that transmits the insurance subscription information as information on the entity that sold the insurance to the subscriber, or the agent server 20 manager who manages the agent server 20.

Subscriber specific information can have one or more items. For example, the subscriber-specific information may include items such as the subscriber's name and the subscriber's resident registration number. In addition, the subscriber-specific information may further include items such as a subscriber's address, a subscriber's mobile phone number, and a subscriber's email address. In addition, the insurance subscription information may include an insurance premium item.

In addition, when insurance subscription information is received, the insurance information management module 331 may transmit insurance subscription progress information to a terminal of a subscriber specified by the corresponding insurance subscription information.

The insurance information management module 331 may allow insurance subscription information to be grouped by items included in the insurance subscription information. For example, the insurance information management module 331 may group insurance subscription information into insurance subscription information in which one or more items are the same based on items such as sales channels, insurance companies, insurance types, and the like. In addition, the insurance information management module 331 may cause an insurance subscription information group selected from among the grouped insurance subscription information to be transmitted to a specific insurance company server 40. For example, the insurance information management module 331 may group the insurance subscription information based on the insurance company item, and the insurance subscription information with the insurance company item A may be transmitted only to the insurance company server 40 of the insurance company A.

In addition, the insurance information management module 331 may manage the received insurance payment information. The insurance payment information is information for specifying an insurance payment for which insurance money has been paid or for which insurance payment is scheduled, and may be matched to one insurance subscription information. In addition, the insurance payment information may include information on the amount of insurance payments to be paid or paid. In this case, the insurance information management module 331 may allow the insurance payment information and the insurance subscription information of the insurance specified by the insurance payment information to be bundled and managed.

In addition, the insurance information management module 331 may cause the insurance subscription completion guide information to be transmitted to the subscriber terminal 10 when the insurance subscription completion information is received from the insurance company server 40.

In addition, the insurance information management module 331 may cause the insurance expiration guide information to be transmitted to the subscriber terminal 10 when the insurance expiration information is received from the insurance company server 40.

The risk rate calculation module 333 calculates the risk rate through insurance subscription information and insurance payment information provided by the insurance information management module 331. The risk rate is the amount of burden that the insurer has to pay the insurance premiums for the insurances that have been concluded.

The risk rate can be defined as the ratio of the premium paid to the insured to the premium collected by the insurances concluded. As another example, the risk rate may be defined as the number of insurances for which insurance is paid for the number of insurances concluded. The risk rate calculation module 333 may calculate a risk rate for the grouped insurance subscription information by using one or more items of the insurance subscription information. For example, the risk rate calculation module 333 may calculate the risk rate through insurance subscription information having the same insurance company item and insurance payment information corresponding to the insurance subscription information. In addition, the risk rate calculation module 333 may calculate the risk rate through insurance subscription information having the same insurance type item and insurance payment information corresponding to the insurance subscription information. In addition, the risk rate calculation module 333 may calculate a risk rate through insurance subscription information in which the insurance company item and the insurance type item are the same and insurance payment information corresponding to the insurance subscription information. The risk rate calculation module 333 may organize insurance subscription information and insurance payment information provided by the insurance information management module 331 using an item of insurance subscription information, and calculate a risk rate. In addition, the insurance information management module 331 provides insurance subscription information and insurance payment information to the risk rate calculation module 333 in an organized form using the items of the insurance subscription information, and the risk rate calculation module 333 subscribes the received insurance. The risk rate can be calculated using information and insurance payment information. The insurance premium calculation module 335 calculates a modified insurance premium based on the risk rate provided by the risk rate calculation module 333.

In the above-described embodiment, the control unit 330 includes the communication module 310 and the memory 320, and the control unit 330 includes an insurance information management module 331, a risk rate calculation module 333, and an insurance premium calculation module 335. It was described as including. However, this is not limited to one physical configuration of the insurance information management server 30 and the control unit 330 provided to the insurance information management server 30. For example, one or more of the insurance information management module 331, the risk rate calculation module 333, and the insurance premium calculation module 335 are configured to be physically separated from the rest, and are connected to the rest through wired, wireless, or network. It can be configured in the form of being. In addition, at least one of the insurance information management module 331, the risk rate calculation module 333, and the insurance premium calculation module 335 may be configured to have a communication module 310 or a memory 320 in a form physically separated from the rest. have.

7 is a flowchart illustrating a method of managing insurance information according to an embodiment of the present invention.

Referring to FIG. 7, when insurance subscription information is input, the agent server 20 transmits the insurance subscription information to the insurance information management server 30 (S100). The insurance subscription information may include insurance specific information for specifying the insurance that the subscriber wishes to subscribe to and subscriber specific information for specifying the subscriber. Insurance-specific information may include the name of the insurance company providing the insurance and the type of insurance provided by the insurance company. In addition, the insurance specific information may include information on a coverage period for specifying when the insurance subscription starts and when the insurance subscription ends. The subscriber-specific information may include the subscriber's name and the subscriber's resident registration number. In addition, the subscriber-specific information may further include a subscriber's address, a subscriber's mobile phone number, and a subscriber's email address.

One or more types of insurance that can be specified by insurance subscription information may be provided. For example, types of insurance include mountaineering insurance for compensation for damages incurred during mountaineering activities, fishing insurance for compensation for damages incurred during fishing activities, and scuba diving for compensation for damages incurred during scuba diving activities. It may include insurance, travel insurance for compensation for damages incurred while traveling to a specific region abroad, and golf insurance in which insurance is paid when a specific event occurs, such as hole-in-one while enjoying golf. In addition, the travel insurance may be specified as different insurance, respectively, depending on the region to be traveled. In addition, insurance that covers compensation for damages incurred during the same or similar activities may also be provided by more than one insurance company.

Insurance subscription information may be input to the agent server 20 by a subscriber who wishes to subscribe to insurance. The agency server 20 may be provided so that a subscriber can access it through the subscriber terminal 10. For example, the agency server 20 may be provided with an access address through a portal site or the like. If a person wishing to subscribe to insurance, after accessing the portal site with the subscriber terminal 10, click the link forwarded to the address of the agent server 20, or enter the address of the agent server 20 to the agent server. You can connect to (20). When the subscriber terminal 10 is connected, the agency server 20 may transmit information to the subscriber terminal 10 to display a screen in which information necessary for insurance subscription is input. The subscriber makes the insurance subscription information displayed on the screen displayed on the subscriber terminal 10, and then transmits the insurance subscription information from the subscriber terminal 10 to the agent server 20, and transmits the insurance subscription information to the agent server 20. ) Can be sent.

In addition, the insurance subscription information may be input to the agent server 20 in a manner in which the agent manager who manages the agent server 20 inputs the received insurance subscription information to the agent server 20.

When the insurance information management server 30 receives the insurance subscription information, it transmits the insurance subscription information to the insurance company server 40 (S110). In addition, when insurance subscription information is received, the insurance information management server 30 may transmit insurance subscription progress information to the subscriber terminal 10 (S111).

The insurance information management server 30 may be connected to one or more agent servers 20 to receive insurance subscription information from each agent server 20. In this case, there may be one or more types of insurance specified by the insurance subscription information transmitted from each agency server 20, and one or more insurance companies providing the corresponding insurance. In addition, the insurance information management server 30 may be provided to be accessible to each of the insurance company's insurance company server 40 corresponding to the received insurance subscription information. Accordingly, when the insurance subscription information is received, the insurance information management server 30 can transmit the insurance subscription information to the insurance company server 40 of the insurance company specified by the corresponding insurance subscription information.

When the insurance information management server 30 receives a set number of insurance subscription information, the insurance information management server 30 may classify the insurance subscription information using the insurance company item. After that, the classified insurance subscription information can be transmitted to each insurance company server 40.

In addition, the insurance information management server 30 may classify the insurance subscription information received during the set period through insurance company items, and then transmit the classified insurance subscription information to each insurance company server 40. For example, the insurance information management server 30 classifies the insurance subscription information received during the day by insurance companies, and then stores the classified insurance subscription information at a specific time, such as 24 o'clock, for each insurance company server 40. Can be sent to. In addition, the insurance information management server 30 may transmit the classified insurance subscription information to each insurance company server 40 when a specific time is two or more times per day.

Further, the insurance information management server 30 may transmit the insurance subscription information to the insurance company server 40 of an insurance company specified by the insurance subscription information when each insurance subscription information is received.

When the insurance subscription information is received, the insurance information management server 30 may transmit insurance subscription progress information to the subscriber terminal 10 to inform that the insurance subscription process is normally being processed. For example, when insurance subscription information is received, the insurance information management server 30 may transmit insurance subscription progress information to the subscriber terminal 10 through information included in the insurance subscription information.

The insurance subscription progress information may inform that the insurance subscription information has been normally received to the insurance information management server 30. In addition, the insurance subscription progress information may indicate that the insurance subscription information has been normally received by the insurance information management server 30 and then transmitted to the insurance company server 40.

The insurance subscription progress information may be transmitted together while the insurance subscription information is transmitted to the insurance company server 40. In addition, the insurance subscription progress information may be transmitted before the time when the insurance subscription information is transmitted to the insurance company server 40, or may be transmitted after the insurance subscription information is transmitted.

When the insurance subscription information is received, the insurance company server 40 stores the information and then provides the insurance subscription processing task to be performed (S120). For example, when insurance subscription information is received, the insurance company server 40 may check whether there are any missing items in the insurance subscription information, and then perform insurance subscription processing.

When the insurance subscription processing is performed based on the received insurance subscription information, the insurance company server 40 transmits insurance subscription completion information indicating that the insurance subscription has been made to the insurance information management server 30 (S130). The insurance subscription completion information may include information for specifying a subscriber, corresponding to the insurance subscription information. In addition, the insurance subscription completion information may include information for specifying the insurance in which the subscription has been made, corresponding to the insurance subscription information.

When the insurance subscription completion information reaches a set number, the insurance company server 40 may transmit the set number of insurance subscription completion information to the insurance information management server 30. In addition, the insurance company server 40 may transmit, to the insurance information management server 30, insurance subscription completion information processed during the set period when the set point is reached. For example, at a specific time, such as 24 o'clock, the insurance company server 40 may transmit the information on the completion of insurance subscription before, and then transmit the information on the completion of the new insurance subscription to the insurance information management server 30. In addition, the insurance company server 40 may transmit insurance subscription completion information to the insurance information management server 30 when a specific time period is two or more times per day. In addition, when insurance subscription completion information is generated, the insurance company server 40 may transmit each insurance subscription completion information to the insurance information management server 30.

Insurance information management server 30, when the insurance subscription completion information is received from the insurance company server 40, insurance subscription completion guide information indicating that the insurance subscription is completed to the subscriber terminal 10 of the subscriber specified by the insurance subscription completion information Can be transmitted (S131).

When the insurance payment situation occurs (S140), the insurance company server 40 allows the insurance payment to be made to the subscriber (S141), and transmits insurance payment information notifying the insurance payment situation to the insurance information management server 30 Do (S142).

For example, when a situation in which the subscriber may request insurance payment, may transmit a request for insurance payment to the insurance company server 40 through the subscriber terminal 10.

As another example, when a request for insurance payment is received from a subscriber to an insurance company, the insurance company server 40 may receive an input for the insurance payment request from the insurance company server administrator through a user interface.

As another example, the insurance company server 40 may receive an insurance payment request through the insurance information management server 30. When a situation in which a claim for insurance payment occurs occurs, the subscriber may transmit a request for insurance payment to the insurance information management server 30 through the subscriber terminal 10. In addition, the insurance information management server 30 may transmit a request for insurance payment to the insurance company server 40.

The insurance company server 40 may determine whether the received insurance payment request satisfies the insurance payment requirement, and when it is determined that the insurance payment payment requirement is satisfied, the insurance payment procedure may be initiated. For example, the insurance company server 40 may allow insurance payments to be made in a manner that transmits data requesting a subscriber to perform insurance payments to a financial company server. In addition, the insurance company server 40 may allow the insurance payment to be made in the form of informing the administrator that the insurance payment situation has occurred through the user interface.

Then, the insurance company server 40 transmits the insurance payment information to the insurance information management server 30. Insurance payment information may be transmitted when it is determined that the insurance payment request satisfies the requirements. For example, the transmission of the insurance payment information may be performed together with the insurance payment payment step or after the insurance payment payment step is performed. In addition, the transmission of insurance payment information may be performed after it is determined that the insurance payment request satisfies the requirements, and before the insurance payment procedure is performed.

When the insurance expiration guidance time point arrives (S150), the insurance company server 40 may transmit insurance expiration information to the insurance information management server 30 to inform the insurance expiration time point at which the insurance-based insurance ends (S151). The insurance expiration guidance time may be set to arrive before the set period from the time when the coverage by the insurance ends. For example, the insurance expiration guidance time point is set to arrive one day before the insurance termination date, and the insurance expiration information may be transmitted on the day before the insurance termination date. In addition, the insurance expiration guidance time may be set to arrive at the time when the insurance ends. For example, the insurance expiration guidance time point is set to arrive on the day when the insurance ends, and the insurance expiration information may be transmitted on the day when the insurance ends.

When the insurance expiration information is received, the insurance information management server 30 transmits insurance expiration guide information to inform the subscriber terminal 10 that the insurance period is scheduled to end or has ended in response thereto (S152).

For short-term insurance, insurance premiums are paid once, and the period of coverage by insurance subscription is set for a short period. Therefore, when a subscriber subscribes to insurance through an agent, etc., the insurance subscription information submitted to the agent must be transferred to the insurance company prior to the period of initiation of coverage desired by the subscriber and processed for insurance subscription. You can get coverage through insurance. On the other hand, if a subscriber submits insurance subscription information through an agent and pays insurance premiums, but the delivery from the agent to the insurance company is omitted, or if it is not delivered before the start of the desired period, the subscriber pays the insurance premium. A situation arises where you cannot get coverage by insurance. For example, if insurance subscription information is managed by an agent in the form of delivering the insurance subscription information received in the previous month of the month to the insurance company at the end of each month, the insurance subscription is requested and the insurance subscription information according to the agent's management schedule. If the coverage period under the insurance wishes to commence before the date of delivery to the insurer, the insurance enrollment information cannot be transferred to the insurer before the commencement of the coverage period.

In addition, if there is no event that may request insurance payment during activities such as hiking or traveling covered by insurance, the subscriber will not be aware that the insurance premium is not covered even though the insurance premium has been paid. .

According to an embodiment of the present invention, insurance subscription information can be effectively transmitted to the insurance company server 40 while being managed by the insurance information management server 30. Accordingly, insurance subscription information is transmitted to the insurance company prior to the date on which the insurance subscriber wishes to start the coverage period due to the insurance subscription, so that the insurance subscription can be effectively and safely made. In addition, information related to the progress of the insurance subscription and the completion of the insurance coverage period can be received, so that the subscriber can recognize the status of the insurance coverage.

8 is a flowchart illustrating a process of calculating a modified insurance premium according to an embodiment of the present invention.

Referring to FIG. 8, the insurance information management server 30 according to an embodiment of the present invention may calculate a modified insurance premium based on managed insurance subscription information and insurance payment information.

The insurance information management server 30 may receive insurance subscription information multiple times and receive insurance payment information multiple times to collect a plurality of insurance subscription information and a plurality of insurance payment information (S210).

The insurance information management server 30 may calculate the number of concluded insurance contracts based on the received insurance subscription information. At this time, the insurance information management server 30 may match whether or not the insurance subscription completion information corresponding to the insurance subscription information is received, so that the number of insurances that have been effectively paid can be verified.

The insurance information management server 30 may calculate a risk rate based on the collected insurance subscription information and insurance payment information (S220).

As an example, the risk rate may be defined as a ratio of an insurance premium paid to an insurance subscriber with respect to an insurance premium collected by a concluded insurance policy. As another example, the risk rate may be defined as the number of insurances for which insurance is paid, with respect to the total number of insurances concluded.

The insurance information management server 30 may classify and store the received insurance subscription information and insurance payment information according to items. In addition, the insurance information management server 30 may classify the collected insurance subscription information and insurance payment information according to items at a set time point. For example, the insurance information management server 30 may classify insurance subscription information and insurance payment information according to the type of insurance. In this case, the type of insurance may be classified according to the insurance target. For example, a type of insurance may be specified according to an insurance target such as mountain climbing, travel, fishing, etc., and insurance subscription information and insurance payment information corresponding to a specific type of insurance may be classified. In addition, the insurance information management server 30 may classify insurance subscription information and insurance payment information according to the type of insurance and the insurance company that provides the insurance. That is, insurance subscription information and insurance payment information may be classified for mountaineering insurance, travel insurance, fishing insurance, and the like provided by one insurance company.

In addition, in a similar manner, insurance subscription information and insurance payment information are classified using two or more items, and insurance subscription information and insurance payment information can be classified and grouped.

The insurance information management server 30 calculates a modified insurance premium based on the risk rate (S230). The insurance information management server 30 may compare the risk rate with the current premium to calculate a modified premium. The insurance information management server 30 can check the current premium through insurance subscription information. As an example, the insurance information management server 30 may calculate a modified insurance premium based on whether the risk rate corresponds to a set appropriate risk rate or a set appropriate risk rate range. If the risk rate is less than the appropriate risk rate or the range of the appropriate risk rate, the insurance information management server 30 may calculate the modified premium so that the modified premium becomes smaller than the current premium.

On the other hand, if the risk rate is greater than the appropriate risk rate or the range of the appropriate risk rate, the insurance information management server 30 may calculate the modified premium so that the modified premium is greater than the current premium. In addition, when the corrected risk rate, which is a risk rate calculated based on the corrected premium, is calculated, the corrected premium may be adjusted so that the corrected risk becomes an appropriate risk rate or falls within an appropriate risk rate range.

Income from insurance may be calculated by deducting insurance premiums collected from insureds according to insurance subscription, insurance premiums paid due to the occurrence of insurance payments, and insurance management costs used to sell insurance or operate and manage insurance.

Insurance management costs can be executed according to a plan established in advance, or can be operated by adjusting costs as necessary. On the other hand, the payment of insurance money is determined by the occurrence of the insurance payment situation, which is relatively more uncertain than the insurance management cost. Accordingly, it is difficult to properly calculate the amount of insurance premiums collected from subscribers against the frequency of occurrence of the expected insurance payment situation or the insurance payments paid to insureds. In addition, if the insurance premium is set lower than the frequency of occurrence of the insurance payment situation or the insurance payment paid to the insured, a problem arises in the profit of the insurance company. On the other hand, if the insurance premium is set higher than the frequency of occurrence of the insurance payment situation or the insurance money paid to the insured, excessive insurance premiums are collected from the insured.

On the other hand, the insurance information management system 1 according to an embodiment of the present invention provides a modified insurance premium reasonably adjusted through the information managed by the insurance information management server 30, so that such a problem can be solved. That is, in the case of insurance subscribers, if the insurance premium is too high compared to the insurance coverage, an opportunity to receive a reduction in the insurance premium through the revised premium may be provided.

The detailed description above is illustrative of the present invention. In addition, the above description shows and describes preferred embodiments of the present invention, and the present invention can be used in various other combinations, modifications, and environments. That is, changes or modifications may be made within the scope of the concept of the invention disclosed in the present specification, the scope equivalent to the disclosed contents, and/or the skill or knowledge of the art. The above-described embodiments describe the best state for implementing the technical idea of the present invention, and various changes required in the specific application fields and uses of the present invention are also possible. Therefore, the detailed description of the invention is not intended to limit the invention to the disclosed embodiment. In addition, the appended claims should be construed as including other embodiments.

10: subscriber terminal 20: agent server
30: insurance information management server 40: insurance company server

Claims (17)

In the insurance information management method for managing insurance information using an insurance information management server,
Receiving, by the insurance information management server, insurance subscription information for subscribing to short-term insurance, which is defined as that insurance premiums are paid once from the agent server and a period of coverage by insurance subscription ends in several days;
Transmitting, by the insurance information management server, the insurance subscription information to an insurance company server; And
When an insurance payment situation occurs for the insurance subscribed by the insurance subscription information, the insurance information management server receiving, by the insurance company server, insurance payment information indicating a situation in which the insurance payment is paid,
The risk rate calculation module of the insurance information management server further includes calculating a risk rate, which is a degree of a burden that an insurance company has by paying the insurance money for the insurances concluded through the insurance subscription information and the insurance payment information,
The insurance premium calculation module of the insurance information management server further comprises the step of comparing the risk rate with a set appropriate risk rate, and calculating a corrected premium,
After the insurance information management server receives the insurance subscription information from the agent server, the insurance information management server transmits insurance subscription progress information indicating that the insurance subscription process is normally being processed to the subscriber terminal. and,
The insurance information management server further comprises receiving, from the insurance company server, insurance subscription completion information indicating that the insurance subscription based on the insurance subscription information has been processed,
After the insurance information management server receives the insurance subscription completion information, further comprising: transmitting insurance subscription completion guide information corresponding to the insurance subscription completion information to a subscriber terminal,
The insurance information management server further comprises the step of receiving insurance expiration information for guiding a time point at which the insurance coverage ends from the insurance company server,
The insurance information management server further comprises transmitting insurance expiration guide information corresponding to the insurance expiration information to a subscriber terminal,
When the risk rate by the insurance information management server is greater than the appropriate risk rate or the range of the appropriate risk rate, the modified premium is calculated so that the modified premium is greater than the current premium, and the risk rate is less than the appropriate risk rate or the range of the appropriate risk rate. , The modified premium is calculated so that the modified premium is less than the current premium,
The modified insurance premium is adjusted by the insurance information management server so that a modified risk rate, which is a risk rate calculated based on the modified premium, becomes the appropriate risk rate or falls within the range of the appropriate risk rate,
The risk rate is defined as the ratio of the insurance premium paid to the insured to the insurance premium collected by the contracted insurance, or is defined as the number of insurances for which insurance is paid for the number of contracted insurances,
The short-term insurance, in which the insurance premium is paid once and the coverage period by insurance subscription ends in several days, is mountaineering insurance for compensation for damages incurred during mountaineering activities, and fishing insurance for compensation for damages incurred during fishing activities. , One of scuba diving insurance for compensation for damages incurred during scuba diving activities, travel insurance for compensation for damages incurred during overseas travel, and golf insurance for incidents that occur during golf activities ,
The insurance subscription information is transmitted from the insurance information management server to the insurance company server before a date on which the insurance subscriber wishes to start a coverage period due to insurance subscription.

delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

Images