KR102478305B1 - Method for determining an animal's insurance payment based on information gathered on a wearable device and server thereof - Google Patents

Abstract

According to one embodiment of the present invention, disclosed is a method for determining whether to pay insurance of a companion animal based on information collected by a wearable device which comprises the following steps of: receiving an insurance payment request for a companion animal from a terminal of an owner who owns the companion animal; searching for bio-signals of a predetermined period collected from a wearable device mounted on the companion animal; calculating an actual usage time of the wearable device based on the searched bio-signals; and determining whether to pay insurance for the insurance payment request based on the calculated actual usage time.

Description

Method for determining an animal's insurance payment based on information gathered on a wearable device and server thereof}

The present invention relates to a method and a management server for paying insurance money for a companion animal, and more specifically, a method for paying insurance money based on a pre-contracted insurance contract when an abnormality occurs in the health of a companion animal, and It relates to a management server for implementing the method.

As of 2020, the number of households raising companion animals in Korea exceeded 6 million, and this number is more than 5 million households in 2019, and when converted into population, it is a figure that greatly exceeds 10 million.

Accordingly, the companion animal products and companion animal service market for consumers raising companion animals is also growing rapidly, and by 2025, the size of the companion animal products and companion animal service industry is expected to expand to more than 5 trillion won.

Regardless of the type of companion animal, the lifespan of companion animals tends to be shorter than that of humans, and since the environment for raising companion animals varies significantly depending on the type or breed of companion animals, caregivers who put their affection into companion animals while raising them They are very interested in their pet's health.

However, while caregivers who raise companion animals are very interested in the health status of their companion animals, there are only a limited number of companion animal health assistance services that respond to the caregivers' interest. The need for a service that can maximize the lifespan of companion animals is emerging.

Republic of Korea Patent Registration No. 10-2320370 (2021.11.02)

The technical problem to be solved by the present invention is to increase the usage rate of wearable devices for companion animals and at the same time to reasonably lower the loss ratio of insurance companies that pay insurance money to companion animals, and to provide a management server for implementing the method is in

A method according to an embodiment of the present invention for solving the technical problem includes receiving an insurance payment request for the companion animal from a terminal of an owner who owns the companion animal; Retrieving bio-signals of a predetermined period collected from a wearable device mounted on the companion animal; calculating an actual usage time of the wearable device based on the retrieved biosignal; and determining whether or not to pay insurance money for the insurance money payment request based on the calculated actual use time.

In the method, the step of determining whether or not to pay the insurance money is to transmit a response message corresponding to the insurance money payment request to the terminal of the owner based on a result of comparing the calculated actual usage time with a preset reference value. can

In the above method, the wearable device may include a communication module capable of communicating with the management server without passing through the terminal of the owner.

In the above method, the wearable device may generate a signal including an identification code identifiable by a communication company server.

In the above method, the predetermined period may be a period measured in a past direction from the time the insurance money payment request is received by the management server.

In the above method, the predetermined period may be a period measured in a past direction from the time when the input for the insurance money payment request is input to the terminal of the owner.

In the above method, the predetermined period may be variable according to the number of insurance amounts included in the insurance money payment request.

In the method, the actual use time may be determined according to behavioral characteristics of the companion animal.

In the method, the actual use time may be accumulated and calculated only for companion animals corresponding to each wearable device.

In the method, the actual use time may be calculated by dividing the activity time of the companion animal and the rest time of the companion animal.

In the method, the actual use time may be calculated differently according to the breed of the companion animal.

In the method, the actual use time may be calculated differently according to the kind of companion animal.

In the above method, the step of calculating the actual usage time of the wearable device may include: learning a behavior pattern of the companion animal based on bio-signals of the companion animal for a learning period earlier than the predetermined period; and calculating the actual use time by applying the learned behavioral pattern to the retrieved biosignal.

In the method, in the step of determining whether to pay insurance money, the number of times the wearable device is used is additionally calculated, and if the calculated number is less than the reference number of times, an insurance money payment non-payment message is transmitted to the terminal of the owner can do.

In the method, the step of determining whether or not to pay the insurance money determines whether to pay the insurance money for the insurance money payment request based on a result of comparing the calculated actual use time with a preset reference value, and the reference value is, It may be variable according to the insurance money payment amount included in the insurance money payment request.

The method may further include measuring the number of times the companion animal has taken a predetermined action during the actual use time, and determining whether a reward condition is achieved based on the measured number of times.

In the method, in the step of determining whether or not the compensation conditions are met, if the compensation conditions are met, the insurance premium periodically withdrawn from the owner's account may be discounted at least once.

In the method, in the step of determining whether or not the compensation condition is achieved, if the compensation condition is satisfied, an amount of virtual money corresponding to the compensation condition may be transferred to the owner's account.

Management server according to another embodiment of the present invention for solving the above technical problem, the communication unit for communicating with the wearable device and the terminal of the owner; and a processing unit for processing data received by the communication unit and data to be transmitted, wherein the processing unit receives an insurance payment request for the companion animal from a terminal of an owner who owns the companion animal, and installs the request on the companion animal. Retrieves the bio-signals of a predetermined period collected from the wearable device, calculates the actual usage time of the wearable device with the retrieved bio-signals, and determines whether or not to pay the insurance money based on the calculated actual usage time decide

One embodiment of the present invention discloses a computer readable recording medium storing a program for executing the method.

delete

delete

According to the present invention, it is possible to increase the usage rate of the wearable device for checking the health condition of a companion animal and to effectively reduce the loss ratio of an insurer.

1 is a diagrammatic representation of the entire system implementing the method according to the present invention.
2 is a block diagram showing an example of a management server for implementing the method according to the present invention.
FIG. 3 is a block diagram illustrating another example of the processing unit described in FIG. 2 .
4 schematically illustrates an example of a screen output through an owner terminal.
5 schematically illustrates another example of a screen output through an owner terminal.
6 schematically illustrates another example of a screen output through an owner terminal.
7 is a flowchart illustrating an example of a method of determining payment of insurance money for a companion animal based on information collected by a wearable device.
8 is a flowchart illustrating another example of a method of determining payment of insurance money for a companion animal based on information collected by a wearable device.
9 is a diagram for time-sequentially explaining a method for determining insurance money payment for a companion animal according to the present invention for each subject performing each step.

Since the present invention can apply various transformations and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. Effects and features of the present invention, and a method of achieving them will become clear with reference to the embodiments described later in detail together with the drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various forms.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, and when describing with reference to the drawings, the same or corresponding components are given the same reference numerals, and overlapping descriptions thereof will be omitted. .

In the following embodiments, terms such as first and second are used for the purpose of distinguishing one component from another component without limiting meaning.

In the following embodiments, singular expressions include plural expressions unless the context clearly indicates otherwise.

In the following embodiments, terms such as include or have mean that features or elements described in the specification exist, and do not preclude the possibility that one or more other features or elements may be added.

When an embodiment is otherwise embodied, a specific process sequence may be performed differently from the described sequence. For example, two processes described in succession may be performed substantially simultaneously, or may be performed in an order reverse to the order described.

1 is a diagrammatic representation of the entire system implementing the method according to the present invention.

Referring to FIG. 1, the overall system 1 according to an embodiment of the present invention includes a companion animal owner terminal group 100, a communication company server 130, an insurance company server 150, and a management server 200 including a communication network 170. ), it can be seen that it has a connected structure.

First, the companion animal owner terminal group 100 includes an owner terminal 110 and a wearable device 115, and the owner terminal 110 and the wearable device 115 may be connected through a communication network 170. The owner terminal 110 is a terminal used by an owner who owns a companion animal, and means an electronic device equipped with a communication module capable of communicating with the communication company server 130 and the management server 200. Hereinafter, the owner refers to a person who owns a companion animal, and may be referred to as a user according to context.

The owner terminal 110 includes an input device for receiving the owner's input, an output device (display) for visually outputting the input of the owner terminal 110 or the processing result of the terminal, and a communication module capable of communicating with an external device. Since it means a smart device, it is not limited in size or type as long as it includes only the above-described input device, output device, and communication module. For example, although the owner terminal 110 is shown in the form of a smart phone in FIG. 1 , the owner terminal may be a PC, laptop, netbook, etc. capable of communicating with the communication company server 130 and the management server 200 .

The wearable device 115 is mounted on the companion animal's body, collects the companion animal's bio signals, and periodically or non-periodically transmits the collected bio signals to the owner terminal 110 or the management server 200. means an electronic device. Hereinafter, the wearable device 115 will be abbreviated as WD 115. The WD 115 may communicate with the owner terminal 110 through short-range communication such as Bluetooth, Wifi, NFC, or the like, and may communicate with the management server 200 through the communication network 170.

In FIG. 1 , the WD 115 is implemented as a collar attached to a dog's neck, but is not limited thereto and may be implemented as a collar attached to various parts such as a dog's ankle or a dog's torso. In addition, although only one WD 115 is shown in FIG. 1, it is not limited thereto, and thus may be a device composed of a plurality of parts according to embodiments. In addition, in FIG. 1, the companion animal equipped with the WD 115 is a dog, but is not limited thereto, so according to an embodiment, the companion animal in the present invention may be a cat, an iguana, a goldfish, a lizard, a hamster, etc. may be

The communication company server 130 refers to a server operated by a communication company communicating with the owner terminal 110 . Here, the communication company may be an Internet Service Provider (ISP) capable of activating the communication function of the owner terminal 110 and the WD 115 according to the rate plan paid by the owner. The owner may visit a nearby telecommunication company agency or make a call to the customer center operated by the telecommunication company, conclude a predetermined communication contract, activate the communication function of the owner terminal 110, and as an additional contract, WD 115 Communications contracts can also be concluded.

The owner can receive the WD 115 equipped with a module capable of communicating with the communication company server 130 (for example, USIM) while concluding a communication contract with a communication company agency. After the communication contract is concluded, the WD (115) is able to communicate exclusively with the management server (200) through the communication network (170) operated by the communication company server (130), and companion animals collected in the WD (115) The biosignal of may be transmitted periodically or non-periodically to the management server 200 while security is maintained. The WD 115 generates and transmits a signal including an identification code identifiable by the communication company server 130, so that the communication network 170 operated by the communication company server 130 can be independently accessed without going through the owner terminal 110. It is possible to communicate with the management server 200 through.

According to the present invention, the owner visits a nearby telecommunication company agency, concludes a communication contract for the WD 115, and communicates with the management server 200 through the communication network 170 provided by the telecommunication company server 130. 115), and can use the companion animal health insurance service according to the present invention simply by visiting telecommunications agencies distributed throughout the country. WD (115) is a dedicated device provided by the telecommunications agency, and reliability can be guaranteed, and the owner collects the bio-signal of the companion animal at the telecommunications agency so that the owner can sign up for an insurance product that pays insurance money only when conditions are met. it is convenient to be

The management server 200 checks the health status of the owner's companion animal based on the biosignal received from the WD 115, and when a request to pay the insurance money is received from the owner terminal 110, Based on the accumulated vital signs of the companion animal, it may be determined whether the conditions for paying the insurance money are satisfied. The management server 200 pays the insurance money to an account designated by the owner when the conditions for paying the insurance money to the owner are met, and when the conditions for paying the insurance money are not met, the insurance money is paid to the owner terminal 110. A message can be sent to the effect that it cannot be done. When the management server 200 transmits a message to the effect that the insurance money cannot be paid to the owner terminal 110, as a condition for paying the insurance money, the number of times or usage time of the WD 115 is used to conclude an insurance contract. It is possible to transmit as additional information that the set value is less than the set value at the time, and a detailed description of this will be described later.

The insurance company server 150 may receive and store personal information about the owner and companion animal and insurance contract information from the management server 200 when health insurance for the companion animal based on the WD 115 is concluded. The insurance company server 150 transfers the insurance money to the account (account) managed by the management server 200 when the management server 200 determines that the conditions for paying the insurance money to the owner are satisfied and requests insurance money payment. It is indirectly paid to the owner, and the management server 200 may transfer the insurance money received from the insurance company server 150 to a preset owner's account (account). In this process, the management server 200, based on a preset option or the owner's input, the insurance money is not cash, but dedicated money used only in the service application operated by the management server 200 ), which will be described later. According to the embodiment, the insurance company server 150 may be operated by the same subject as the management server 200 .

The communication network 170 connects the owner terminal 110, the WD 115, the communication company server 130, the insurance company server 150 and the management server 200, which are components of the entire system 1 shown in FIG. It performs the function to be performed, and may include various wired and wireless communication networks such as data networks, mobile communication networks, and the Internet.

The entire system 1 according to an embodiment of the present invention shown in FIG. 1 may be implemented in the following order.

The owner who owns a companion animal prepares information for subscribing to health insurance for the companion animal and delivers it to the telecommunications company. When the owner subscribes to health insurance for a companion animal, he or she can fill in the personal information of the owner and companion animal on the subscription application form, and sign to agree to the terms and conditions to establish a contract for a specific insurance product among several insurance products. there is. The owner may proceed with the procedure for establishing an insurance contract through an app installed in the owner terminal 110, or the owner may directly visit a telecommunications agency agency to proceed. Information on the insurance contract prepared by the owner may include information on the monthly payment amount and guarantee period.

The communication company server 130 transfers all information about the insurance contract to the management server 200, and transfers the entire insurance premium included in the communication cost of the owner terminal 110 and the WD 115 to the management server 200.

After writing the insurance contract, the owner may receive the WD 115 via mail or at a telecommunications agency. The owner may mount the WD 115 on the companion animal so that the companion animal's vital signals are collected in the WD 115 . The biological signals of the companion animal collected by the WD 115 are periodically or non-periodically transmitted to the management server 200 .

The transmission period of the companion animal's biological signals collected by the WD 115 may be changed by the owner within a certain range. If the transmission period of the bio-signal is too short or the bio-signal is transmitted every time the bio-signal is collected, the power consumption of the WD 115 is excessive and the battery of the WD 115 needs to be replaced frequently. If the transmission period of is too long, the management server 200 lacks basic data for reasonably inferring the health status of the companion animal, so the management server 200 cannot accurately determine the health status of the companion animal, and the insurance money will not be able to pay As another embodiment, the transmission period of the companion animal's biological signals collected in the WD 115 may be appropriately adjusted by the management server 200, not by the owner.

The management server 200 may check changes in the health state of the companion animal while collecting bio-signals. Specifically, the management server 200 determines whether the owner has made sufficient efforts to maintain the companion animal's health condition in a good state while checking the change in the companion animal's health state, and hospital treatment if the companion animal's health condition deteriorates. When a situation arises in which insurance money must be paid due to death or death, it can perform the function of determining whether the conditions for insurance money payment have been met.

A corporate insurance contract is entered into in advance between the management server 200 and the insurance company server 150 . When the owner periodically pays the insurance premium, the management server 200 transfers the remaining amount of the insurance premium minus the fee to the insurance company server 150 so that the basic amount for paying the insurance money is accumulated, and the received in the insurance contract process Personal information and insurance contract information of the owner and companion animal are also delivered.

When the owner makes a request to pay the insurance money through the owner terminal 110 due to the occurrence of a reason for insurance payment, the management server 200 primarily based on the biosignal received from the WD 115, the insurance money It determines whether payment conditions are met, and based on the judgment result, determines whether or not to pay the insurance money to the owner.

In the foregoing embodiment, for convenience of explanation, the configuration in which the owner communicates with the communication company server 130 through the owner terminal 110 or the owner visits a communication company agency and concludes an insurance contract for a companion animal has been described. , According to another embodiment of the present invention, the owner installs a client distributed in the management server 200 in the owner terminal 110, and operates the management server 200 through the owner terminal 110. You can also enter into an insurance contract between you.

The above description is a schematic description of an example of the operation of the entire system 1 shown in FIG. 1, and a description of another embodiment of the present invention will be described in detail through FIGS. 2 to 9.

2 is a block diagram showing an example of a management server for implementing the method according to the present invention.

Referring to Figure 2, it can be seen that the management server 200 includes a database 210, a communication unit 230, a processing unit 250 and an output unit 270. Hereinafter, it will be described with reference to FIG. 1 .

The management server 200 according to an embodiment of the present invention corresponds to at least one or more processors, or may include at least one or more processors. Accordingly, the communication unit 230, the processing unit 250, and the output unit 270 included in the management server 200 and the management server 200 are driven in a form included in a hardware device such as a microprocessor or a general-purpose computer system. It can be.

The name of each module included in the management server 200 shown in FIG. 2 is arbitrarily named to intuitively describe the representative function performed by each module, and when the management server 200 is actually implemented, each module may be given a name different from that described in FIG. 2 .

In addition, the number of modules included in the management server 200 of FIG. 2 may vary depending on the embodiment. More specifically, the management server 200 of FIG. 2 includes a total of four modules, but according to embodiments, at least two or more modules are integrated into one module, or at least one or more modules are separated into two or more modules. It may be implemented in the form of

The database 210 stores various data necessary for the management server 200 to operate. As an example, the database 210 stores an integrated management program for controlling the operation of the management server 200, and the database 210 may receive and store data received by the communication unit 230.

The communication unit 230 communicates with the owner terminal 110, the WD 115, the communication company server 130, and the insurance company server 150.

The processing unit 250 processes data received by the communication unit 230 and data to be transmitted. As an example, the processing unit 250 may control personal information of owners and companion animals and information on insurance contracts to be stored in the database 210 as data received by the communication unit 230 . As another example, the processing unit 250 may control the communication unit 230 so that personal information of the owner and companion animal and information on the insurance contract are transmitted to the insurance company server 150 as data to be transmitted by the communication unit 230. . As another example, the processing unit 250 may receive an insurance money payment request from the owner terminal 110 and perform a process of determining whether insurance money payment conditions are met.

The output unit 270 receives a command from the processing unit 250 and performs a function of calculating and outputting various data. As an example, the output unit 270 may output result data processed by the processing unit 250 and transmit it to the communication unit 230 .

Hereinafter, the operation of the entire system 1 described in FIG. 1 will be described centering on the management server 200 of FIG. 2 .

The communication unit 230 receives an insurance payment request for the companion animal from the owner terminal 110 of the owner of the companion animal.

The processing unit 250 searches the database 210 for bio-signals of a predetermined period collected from the WD 115 mounted on the companion animal.

Here, the predetermined period is a variable period that can vary according to the contents of a previously concluded insurance contract. For example, the predetermined period may be a period measured in a past direction from the time when the insurance money payment request is received by the management server 200 . The management server 200 determines whether the owner maintains the state in which the WD 115 is attached to the companion animal for a long time and behaves so that the companion animal's biosignal is normally collected, and the companion animal's biosignal is normally sufficient. If not properly collected, insurance may refuse to pay. In order to make the above determination, the processing unit 250 primarily searches for bio signals for a predetermined period of time. As an example, the processing unit 250 may search for bio signals for a week (168 hours). Here, the predetermined period of 168 hours is an exemplary value and is not limited thereto, and when the present invention is actually implemented, the predetermined period may be a minute or second unit instead of an hour unit.

The predetermined period may be set to a longer value as the amount of insurance money to be paid increases, and may be subdivided according to terms and conditions included in the insurance contract. For example, if the terms and conditions of the insurance contract stipulate that 10 million won is paid when the companion animal dies and 2 million won is paid when the companion animal undergoes a surgical operation, the predetermined period set in the processing unit 250 , may be set for the death insurance money and surgery insurance money, respectively, and the predetermined period for the death insurance money may be set longer than the predetermined period for the surgery insurance money. In the present invention, the reason for differentially setting the predetermined period as above is to minimize the loss ratio of the insurance company by more strictly examining high insurance money than screening for low insurance money.

Subsequently, the processing unit 250 may calculate the actual usage time of the WD 115 based on the retrieved biosignal for a predetermined period. In the present invention, a substantially used time is a concept distinct from the aforementioned predetermined period. If the predetermined period includes all periods when the WD (115) is mounted on the companion animal or when the WD (115) is removed from the companion animal, the actual usage time is when the WD (115) is mounted on the companion animal and operates normally It means the time while the companion animal's bio-signals are being collected. For example, when the WD (115) is actually used, the WD (115) is installed on the companion animal, but the battery of the WD (115) is exhausted, or the owner arbitrarily turns off the power of the WD (115), and the companion animal The time when biosignals could not be collected normally was not included.

The processing unit 250 calculates the actual usage time of the WD 115 based on the searched bio-signal change pattern, the collected time interval, etc., and based on the calculated actual usage time, pays insurance money for the insurance money payment request decide whether For example, the processing unit 250 may recognize the owner's right to claim insurance money and pay the insurance money if the WD 115 is used for 11 hours or more and the bio-signal is collected during a predetermined period of 24 hours. As another example, if there is a record of the WD 115 being used three or more times during the set period of 30 days, the processing unit 250 may recognize that the owner has the right to claim insurance money and pay the insurance money.

A specific process for the processing unit 250 to determine whether or not to pay insurance money will be described later.

FIG. 3 is a block diagram illustrating another example of the processing unit described in FIG. 2 .

Referring to FIG. 3 , it can be seen that the processing unit 250 includes a biological signal search unit 251, an actual use time calculation unit 253, a comparison operation unit 255, and an insurance money payment determination unit 257. Since the biological signal search unit 251, the actual use time calculation unit 253, the comparison operation unit 255, and the insurance money payment determination unit 257 are sub-modules included in the processing unit 250, as described above, at least one processor It is regarded as a module capable of independent operation including at least one or more processors. In addition, although the processing unit 250 in FIG. 3 is illustrated as including a total of four sub-modules, according to embodiments, at least one or more modules shown in FIG. 3 are included in another module, or at least two or more modules are included in one module. It may be implemented in an integrated form as a module of.

The bio-signal search unit 251 may search the bio-signals collected from the WD 115 . Specifically, when bio-signals of companion animals are collected from the WD 115, the bio-signal search unit 251 labels the collected bio-signals for each companion animal and controls them to be stored in the database 210, When an insurance payment request is received from the owner terminal 110, a bio-signal of a companion animal corresponding to the insurance payment request may be retrieved from the database 210. For example, if owner A, who owns companion animal a, requests insurance money payment, the biosignal search unit 251 may search the biosignal of a stored in the database 210.

An example of a process in which the bio-signal search unit 251 searches for bio-signals stored in the database 210 is as follows. First, the biological signal search unit 251 identifies the owner who has requested insurance money payment, and identifies what kind and breed the owner's companion animal is. Subsequently, the biosignal search unit 251 searches the terms and conditions of the insurance contract the owner subscribes to, and determines how long the predetermined period is set differently according to the insurance contract. For example, if the owner claims payment of life insurance money, the predetermined period may be one month, and if the owner claims payment of surgery insurance money, the predetermined period may be one week. When the identification of the owner, the owner's companion animal, and the predetermined period is completed, the bio-signal search unit 251 accesses the database 210 and searches the bio-signal of the companion animal for the predetermined period. Since the above-described process is an example of the process of the bio-signal search unit 251, it is not limited thereto, and some orders may vary depending on the embodiment.

The actual use time calculator 253 calculates the actual use time of the WD 115 based on the biosignal retrieved by the biosignal search unit 251 . The actual use time means the actual time when the WD 115 was normally mounted on the companion animal and was able to collect bio-signals.

As an embodiment, the actual usage time calculation unit 253 may calculate the actual usage time according to the behavioral characteristics of the companion animal. The companion animal's behavioral characteristics may include the companion animal's active activity, companion animal's normal activity, companion animal's sleep, companion animal's reproductive activity, etc. Considering , the actual use time can be calculated. For example, when calculating the actual usage time, the biosignals collected during the companion animal's sleeping time may be excluded, and other activities may be partially excluded or, conversely, a high weight may be applied to increase the accuracy of the actual usage time. there is.

Hereinafter, an example of a mathematical formula referred to by the actual use time calculation unit 253 to calculate the actual use time will be described.

Equation 1 is an example of a mathematical formula for the actual use time calculation unit 253 to calculate the actual use time. In Equation 1, T _sub is the actual use time, k _n is the weight for each behavioral characteristic, a _n is the time for the behavioral characteristic, M is the number of behavioral characteristics, and R is the correction value. Equation 1 best reflects the health state of the companion animal by applying a higher weight to behaviors that are useful in determining the health state of the companion animal and applying a lower weight to behaviors that have little to do with the health state of the companion animal. It can be understood as an equation for calculating the total amount of time for which bio-signals are collected. For example, if the companion animal performs an action with a weight of 1.01 for 1 hour and an action with a weight of 0.98 for 1 hour, the actual usage time calculator 253 calculates the actual usage time based on the collected bio-signals instead of 2 hours. It can be calculated as 1.99 hours.

In addition, the correction value is a value that is separately calculated and added to increase the accuracy of the actual use time, and may be the number of times the power of the WD 115 is turned on/off according to the owner's input. If the owner unnecessarily changes the power of the WD (115) to ON/OFF, the correction value becomes negative and the actual use time T _sub becomes shorter, and according to the process described later, the probability of paying the insurance money can be lowered that much there is.

In addition, as another example of the correction value, the correction value R may vary according to the time density at which biosignals are collected. For example, for a predetermined period of 30 hours (720 minutes), the time densities when the companion animal's biological signals are collected are 360 minutes, 540 minutes, and 720 minutes, respectively, are 0.5, 0.75, and 1, and the correction value R is time. When the density is 1, it becomes the largest value.

In the end, the correction value R is an index that measures the owner's sincerity (or interest in the companion animal's health), and the owner is fully informed of the content in the insurance contract process, and then is aware of the content. In , by attaching the WD 115 to the companion animal for a long time, the biosignal of the companion animal can be collected without omission in the management server 200 .

As another embodiment, since the behavioral characteristics are different depending on the kind or breed of the companion animal, there may be several equations referenced by the actual usage time calculation unit 253 to calculate the actual usage time. can The type of companion animal may be any one of dogs, cats, hamsters, lizards, turtles, iguanas, chameleons, and ornamental fish (goldfish, etc.). The companion animal breed is a subdivided element in which the companion animal type is primarily fixed. If the companion animal type is fixed as a dog, the companion animal breeds will be Yorkshire Terrier, Schnauzer, Spitz, Siberian Husky, Malamute, etc. can This is in consideration of the fact that even if the type of companion animal is the same, there are unique behavioral characteristics that must be added or deleted depending on the breed of the companion animal.

As described above, in order to calculate the actual usage time in consideration of at least one of the type of companion animal and the breed of the companion animal, the actual usage time calculation unit 253 uses formulas such as T _sub1 , T _sub2 , T _sub3 , etc. You can save multiple. For example, in Equation 1, if the companion animal is a dog and the behavioral characteristics are normal activity, rest, active activity, scratching, licking, lame, and water drinking, M can be 7 . As another example, if the companion animal in Equation 1 is an iguana, a lame behavior may be excluded and an ecdysis behavior may be added to the behavioral characteristics.

As an optional embodiment, the actual use time calculation unit 253 may add behavioral characteristics and calculate actual use time by considering the age of the companion animal as well as the type and breed of the companion animal. This optional embodiment takes into account that the survival rate of companion animals is low when they are young, and that they have characteristics that they do not behave after they become adults. For example, the behavior of receiving milk from the mother or the behavior of being in the mother's pouch (in the case of marsupials) is a behavioral characteristic that is temporarily visible only when the companion animal is young, and actual use time can be calculated by considering these behavioral characteristics. can

The WD 115 includes a plurality of sensors, and the actual usage time calculation unit 253 comprehensively analyzes the biosignals collected from each sensor, identifies the behavioral characteristics of the companion animal, and calculates the actual usage time can do. The type and number of sensors provided in the WD 115 may vary depending on the type of companion animal, the breed of the companion animal, and the size of the companion animal.

In addition, the actual use time may be calculated only for companion animals corresponding to each WD 115 . For example, if the WD (115) is attached to companion animal A and the biosignal is collected, the biosignal collected when the WD (115) is attached to companion animal B of the same animal type, animal breed, and animal gender Signals are not taken into account when calculating real-time usage. In order to determine the authenticity of the companion animal as described above, the actual use time calculation unit 253 learns the behavior pattern of the companion animal based on the biosignal of the companion animal for a learning period earlier than the predetermined period, and returns the learned behavior pattern to the companion animal. The actual use time may be calculated by applying the searched biosignal.

The comparison operation unit 255 may compare the actual use time calculated by the actual use time calculation unit 253 with a reference value, and transmit the comparison result to the insurance money payment determination unit 257 . A reference value, which is a value for comparison with the actual use time, is set in advance in the comparison calculator 255, and the reference value is variable according to the insurance money payment amount included in the insurance money payment request. In other words, the comparison calculation unit 255 may include a plurality of reference values in response to various insurance money payment requests, analyzes information included in the insurance money payment request, selects an appropriate reference value from among the plurality of reference values, and calculates It can perform a function to compare with the actual usage time.

The insurance money payment determination unit 257 may receive a result of comparing the actual use time and the reference value from the comparison calculation unit 255 and determine whether or not to pay the insurance money for the owner's request for insurance money payment. The insurance money payment determination unit 257 may transmit a response message corresponding to the insurance money payment request to the owner terminal 110 based on the result of comparing the actual use time with the reference value, and the owner sends the owner terminal 110 You can check whether the insurance payment request has been approved or rejected by looking at the response message output through the

As an optional embodiment, the insurance money payment determination unit 257 may measure the number of times the companion animal has taken a predetermined action during the actual use time, and additionally determine whether or not a compensation condition is achieved based on the measured number of times.

division Detail exclusive goods daily lesson Active hours per day (cumulative) compensation conditions
every time you achieve
per reward condition
Payment of set exclusive goods Active hours per week (cumulative) walk number of walks walking street nutrition Recommended amount of feed Buy Recommended Supplements Sleep sleep time measurement Diagnosis and Prevention Basic health checkup (periodic) Precision health checkup (non-periodic)

Table 1 shows an example of reference information referred to by the insurance money payment decision unit 257 to determine whether or not the behavior of the companion animal has achieved the compensation condition. Referring to Table 1, the insurance payment decision unit 257 determines that the compensation conditions have been met when the daily activity time of the companion animal reaches the accumulated value or only the feed corresponding to the recommended amount of feed is fed, and the compensation conditions It is possible to process so that an amount of virtual money corresponding to is paid to the owner's account. Here, the virtual goods may be dedicated goods (dedicated money) that can be used only through a companion animal management app (managing application) installed as a client of the management server 200 in the owner terminal 110.

In addition, a larger amount of virtual goods may be provided for a compensation condition that is difficult to achieve. For example, when the owner performs a detailed health examination of the companion animal, the insurance payment decision unit 257 checks it through the medical record information received from the veterinary hospital server or the hospital expense receipt directly input by the owner, and of virtual goods can be provided, and if the owner walks the companion animal for a short time, a relatively small amount of virtual goods can be provided.

Owners can purchase food, nutritional supplements, and accessories from a companion animal product mall affiliated with the management app, or receive a discount on monthly insurance payments through exclusive goods accumulated in their account. According to the present invention, since the owner of the companion animal repeats the behavior for achieving the above reward conditions, the health state of the owner's companion animal can be maintained in good condition.

Additional operation characteristics of the comparison operation unit 255 and the insurance money payment determination unit 257 will be described later with reference to FIGS. 8 and 9 .

4 schematically illustrates an example of a screen output through an owner terminal.

Hereinafter, it will be described with reference to FIG. 1 .

The owner can download the client from the management server 200 and install it on the owner terminal 110 . The owner may transmit an insurance money payment request to the management server 200 through a client program installed in the owner terminal 110 . 4 illustrates a screen output to the owner terminal 110 when the owner applies a predetermined input to the owner terminal 110 and requests insurance money payment.

Referring to FIG. 4, it can be seen that when the owner requests insurance money payment through the owner terminal 110, the management server 200 receives it and determines whether the insurance money payment conditions are satisfied through the above process, For the convenience of the owner, the expected waiting time and customer center phone number may be output through the screen of the owner terminal 110 .

5 schematically illustrates another example of a screen output through an owner terminal.

More specifically, FIG. 5 shows an example of a screen output through the owner terminal 110 when the management server 200 determines that the insurance money payment conditions are satisfied. Referring to FIG. 5, the insurance money payment of the owner You can see that the request has been accepted.

As an optional embodiment, the present invention does not immediately pay the insurance money to the owner's account (account) even if the insurance money payment for the companion animal is determined, and inquires about the insurance money payment method as shown in FIG. 5 to guarantee the owner's right to choose. can In FIG. 5, the owner may input the "Yes button 510" with the intention of paying the insurance money in money, and may also input the "No button 530" with the intention of paying the insurance money in virtual goods. there is.

First, when the owner applies an input to the "Yes button 510", the management server 200 detects the owner's input and transfers the insurance money to the bank account set by the owner at the time of the insurance contract. The owner can confirm that the insurance money has been paid with a simple input and receive the insurance money.

As another example, when the owner applies an input to the "no button 530", the management server 200 detects the owner's input and can pay an amount of virtual goods equivalent to the insurance money to the owner's account. According to this embodiment, the owner can consume the virtual goods paid to his or her account to purchase pet food, nutrients, convenience items, accessories, etc. from the online product mall operated by the management server 200. Similarly, you can reduce the monthly premium you pay.

In addition, when the insurance money to be paid to the owner is converted into virtual goods according to the owner's input to the "no button 530", the management server 200 applies the conversion rate according to the preset owner's grade. can do. For example, if Owner A is Grade 1 and the insurance amount is KRW 1 million, a conversion rate of 1.13 times is applied, so that 1.13 million points of virtual goods can be paid to Owner A’s account, and if Owner B is Grade 3 and the insurance amount is KRW 1 million, A conversion rate of 1.02 times is applied, and 1.02 million points of virtual goods can be processed in such a way that they are paid to the account of owner B. The owner's level can be set by the processing unit 250 of the management server 200 in consideration of the owner's membership registration period, the number of insurance contracts subscribed, the accumulated insurance premium paid, and the period of maintaining the health condition of the companion animal. It can be continuously updated according to the passage of time.

As in the above-described embodiment, when the insurance money is converted into virtual goods, the owner acquires a larger amount of virtual goods than the insurance money according to the conversion rate, so there is a need to purchase more companion animal products or pay in the future through virtual goods. There are advantages to reducing insurance premiums. In addition, a company operating the management server 200 may receive insurance money from an insurance company and reinvest it without paying the owner to raise financial income. In addition, if the subject operating the management server 200 and the subject operating the insurance company server 150 are the same, income may be lost due to a plurality of customers who do not receive insurance money while paying monthly insurance premiums.

6 schematically illustrates another example of a screen output through an owner terminal.

6 shows an example of an insurance non-payment message transmitted by the management server 200 to the owner terminal 110 when the insurance money payment condition is not met, and the owner presses the "Learn more about non-payment reason button 610" This is the output when input is applied to, and it can be used to review how much the insurance payment conditions have not been met and to refer to it when requesting payment of insurance money again in the future.

For example, when the insurance payment is rejected, the owner applies an input to the button 610 of FIG. 6 to pay the insurance money when the number of uses of the WD 115 measured from the insurance claim date is less than three predetermined times. You can check the information message that there is no. Here, since 3 times is an exemplary value, a value greater than 3 times may be set.

7 is a flowchart illustrating an example of a method of determining payment of insurance money for a companion animal based on information collected by a wearable device.

Since the method according to FIG. 7 can be performed by the management server 200 or the processing unit 250 described in FIG. 2, hereinafter, description will be made with reference to FIG. 2, and descriptions overlapping with those already described will be omitted. I'm going to do it.

The communication unit 230 receives an insurance money payment request from the owner terminal 110 (S710).

The processor 250 retrieves the bio-signals collected from the WD 115 (S730).

The processing unit 250 calculates the actual usage time of the WD 115 based on the retrieved biosignal (S750).

The processing unit 250 determines whether to pay insurance money based on the calculated actual use time (S770).

8 is a flowchart illustrating another example of a method of determining payment of insurance money for a companion animal based on information collected by a wearable device.

Since the method according to FIG. 8 can be performed by the management server 200, the processing unit 250, and sub-modules of the processing unit 250 described in FIGS. 2 and 3, hereinafter, description will be made with reference to FIG. , and descriptions overlapping with those already described will be omitted.

The communication unit 230 receives an insurance money payment request from the owner terminal 110 (S810).

The bio-signal search unit 251 searches the database 210 for the bio-signals collected from the WD 115 (S820).

The actual use time calculation unit 253 calculates the actual use time of the WD 115 based on the retrieved biosignal (S830).

The comparison operation unit 255 compares the actual use time with a preset reference value, determines whether the actual use time exceeds the reference value (S840), and the insurance payment decision unit 257 receives the judgment result from the comparison operation unit 255 , If the actual use time exceeds the reference value, it is determined to pay the insurance money (S850).

On the other hand, if the comparison operation unit 255 determines that the actual use time is less than the reference value, the insurance money payment determination unit 257 transmits an insurance money payment non-payment message to the owner terminal 110 (S860). The owner terminal 110 receiving the insurance money non-payment message in step S860 may output a screen as shown in FIG. 6 .

9 is a diagram for time-sequentially explaining a method for determining insurance money payment for a companion animal according to the present invention for each subject performing each step.

In FIG. 9, which has already been described in FIG. 1, the insurance contract for companion animals between the owner and the insurance company is considered to have already been concluded, and the procedure for receiving insurance money while the insurance contract remains valid will be explained in detail. do. In Fig. 9, it is assumed that the passage of time is shown in a direction from top to bottom.

First, the management server 200 receives bio-signal data of the owner's companion animal from the WD 115 for time t ₁ (S905). Here, t ₁ denotes the entire period of receiving the biosignal from the WD 115, and thus, depending on the embodiment, it may be the above-described predetermined period or longer than the predetermined period.

The owner terminal 110 receives an input for an insurance money payment request from the owner (S910). In FIG. 9 , steps S905 and S910 schematically show the time when the owner makes an insurance claim and the period t ₁ during which the bio-signal data is collected, which is a standard period for insurance payment. More specifically, in the bio signals of the predetermined period that the management server 200 searches for according to the owner's insurance payment request, the predetermined period is measured in the past direction from the time the insurance payment request is received by the management server 200. It may be a period of time, or according to an embodiment, it may be a time measured in the past direction from the time when the input for the insurance money payment request is input to the owner terminal 110. That is, the starting point for determining the satisfaction of insurance money payment conditions is specified in the terms and conditions of the insurance contract in advance, and according to the specified terms and conditions, the method according to the present invention can be implemented in various ways.

In step S910, the owner terminal 110 may receive a supporting document, such as a veterinary hospital receipt, as an attachment to the insurance money payment request.

The owner terminal 110 may request insurance money payment to the management server 200 (S915).

The management server 200 may search the database 210 for bio-signals collected from the WD 115 to specify the owner and companion animal (S920).

The management server 200 may calculate the actual use time t ₂ of the WD 115 with the retrieved biosignal (S925).

The management server 200 determines whether t2 exceeds the reference value (S930), and if it exceeds, it may request insurance money payment to the insurance company server 150 (S935).

The insurance company server 150 may transfer the insurance money to the account of the management server 200 (S940).

The management server 200 may transfer the insurance money received in step S940 to the owner's account (S945). As an example of step S945, when the owner transmits the intention to receive the insurance money as virtual goods to the management server 200 through the owner terminal 110, the insurance money paid by the insurance company server 150 is stored in the owner's account. It has already been described that it can be converted into goods and deposited.

After the management server 200 transfers the insurance money to the owner's account, it transmits an insurance money transfer completion message (S950).

In step S930, if the actual use time t ₂ does not exceed the reference value, the management server 200 may control the insurance money non-payment message to be output from the owner terminal 110 (S955).

Embodiments according to the present invention described above may be implemented in the form of a computer program that can be executed through various components on a computer, and such a computer program may be recorded on a computer-readable medium. At this time, the medium is a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, an optical recording medium such as a CD-ROM and a DVD, a magneto-optical medium such as a floptical disk, and a ROM hardware devices specially configured to store and execute program instructions, such as RAM, flash memory, and the like.

Meanwhile, the computer program may be specially designed and configured for the present invention, or may be known and usable to those skilled in the art of computer software. An example of a computer program may include not only machine language code generated by a compiler but also high-level language code that can be executed by a computer using an interpreter or the like.

Specific implementations described in the present invention are examples and do not limit the scope of the present invention in any way. For brevity of the specification, description of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted. In addition, the connection of lines or connecting members between the components shown in the drawings are examples of functional connections and / or physical or circuit connections, which can be replaced in actual devices or additional various functional connections, physical connection, or circuit connections. In addition, if there is no specific reference such as “essential” or “important”, it may not be a component necessarily required for the application of the present invention.

In the specification of the present invention (especially in the claims), the use of the term “above” and similar indicating terms may correspond to both singular and plural. In addition, when a range is described in the present invention, it includes an invention in which individual values belonging to the range are applied (unless there is a description to the contrary), and each individual value constituting the range is described in the detailed description of the invention Same as Finally, unless an order is explicitly stated or stated to the contrary for the steps constituting the method according to the present invention, the steps may be performed in any suitable order. The present invention is not necessarily limited according to the order of description of the steps. The use of all examples or exemplary terms (eg, etc.) in the present invention is simply to explain the present invention in detail, and the scope of the present invention is limited due to the examples or exemplary terms unless limited by the claims. it is not going to be In addition, those skilled in the art can appreciate that various modifications, combinations and changes can be made according to design conditions and factors within the scope of the appended claims or equivalents thereof.

100: owner terminal group
110: owner terminal
115: wearable device
130: telecommunication company server
150: insurance company server
170: communication network
200: management server
210: database
230: communication department
250: processing unit
251: biosignal search unit
253: actual use time calculation unit
255: comparison operation unit
257: insurance payment decision department
270: output unit

Claims (20)

delete delete delete delete delete delete delete Receiving, by a communication unit, an insurance payment request for the companion animal from a terminal of an owner who owns the companion animal;
Searching, by a bio-signal search unit, bio-signals for a first time collected from the wearable device mounted on the companion animal;
The actual use time calculation unit classifies the behavior of the companion animal into a plurality of behaviors based on the retrieved biosignal for the first time, applies different weights to each of the classified behaviors, and selects at least some behaviors according to a preset standard. Excluding, calculating the second time; and
Including; determining whether or not to pay insurance money for the insurance money payment request based on the calculated length of the second time by the insurance money payment determination unit;
The calculated length of the second time is,
A method for determining the payment of insurance money for a companion animal based on information collected by a wearable device, which is determined according to the behavioral characteristics of the companion animal. delete delete Receiving, by a communication unit, an insurance payment request for the companion animal from a terminal of an owner who owns the companion animal;
Searching, by a bio-signal search unit, bio-signals for a first time collected from the wearable device mounted on the companion animal;
The actual use time calculation unit classifies the behavior of the companion animal into a plurality of behaviors based on the retrieved biosignal for the first time, applies different weights to each of the classified behaviors, and selects at least some behaviors according to a preset standard. Excluding, calculating the second time; and
Including; determining whether or not to pay insurance money for the insurance money payment request based on the calculated length of the second time by the insurance money payment determination unit;
The calculated length of the second time is,
A method for determining the payment of insurance money for a companion animal based on information collected by a wearable device, which is calculated differently according to the breed of the companion animal. Receiving, by a communication unit, an insurance payment request for the companion animal from a terminal of an owner who owns the companion animal;
Searching, by a bio-signal search unit, bio-signals for a first time collected from the wearable device mounted on the companion animal;
The actual use time calculation unit classifies the behavior of the companion animal into a plurality of behaviors based on the retrieved biosignal for the first time, applies different weights to each of the classified behaviors, and selects at least some behaviors according to a preset standard. Excluding, calculating the second time; and
Including; determining whether or not to pay insurance money for the insurance money payment request based on the calculated length of the second time by the insurance money payment determination unit;
The calculated length of the second time is,
A method for determining the payment of insurance money for a companion animal based on information collected by a wearable device, which is calculated differently according to the kind of companion animal. Receiving, by a communication unit, an insurance payment request for the companion animal from a terminal of an owner who owns the companion animal;
Searching, by a bio-signal search unit, bio-signals for a first time collected from the wearable device mounted on the companion animal;
The actual use time calculation unit classifies the behavior of the companion animal into a plurality of behaviors based on the retrieved biosignal for the first time, applies different weights to each of the classified behaviors, and selects at least some behaviors according to a preset standard. Excluding, calculating the second time; and
Including; determining whether or not to pay insurance money for the insurance money payment request based on the calculated length of the second time by the insurance money payment determination unit;
In the step of calculating the second time,
learning a behavior pattern of the companion animal based on the biosignal of the companion animal for a learning period earlier than the first time period by a real use time calculation unit; and
The actual use time calculation unit applies the learned behavior pattern to the retrieved bio-signal, and if the companion animal for the bio-signal collected during the learning period and the companion animal for the retrieved bio-signal are not the same, the retrieved bio-signal A method for determining the payment of insurance money for a companion animal based on information collected by a wearable device, including the step of not considering the time for when calculating the second time. A computer-readable recording medium storing a program for executing the method according to any one of claims 8, 11, 12, and 13. a communication unit that communicates with the wearable device and the owner's terminal; and
Including; processing unit for processing the data received by the communication unit and the data to be transmitted,
The processing unit,
Receiving an insurance payment request for the companion animal from the terminal of the owner who owns the companion animal;
Retrieve biosignals for the first time collected from the wearable device mounted on the companion animal;
The behavior of the companion animal is classified into a plurality of behaviors by the retrieved bio-signal for the first time, different weights are applied to each of the classified behaviors, and at least some of the behaviors are excluded according to a predetermined criterion. calculate time,
Determine whether or not to pay the insurance money for the insurance money payment request based on the length of the second time calculated above;
The calculated length of the second time is,
Determined according to the behavioral characteristics of the companion animal,
management server. a communication unit that communicates with the wearable device and the owner's terminal; and
Including; processing unit for processing the data received by the communication unit and the data to be transmitted,
The processing unit,
Receiving an insurance payment request for the companion animal from the terminal of the owner who owns the companion animal;
Retrieve biosignals for the first time collected from the wearable device mounted on the companion animal;
The behavior of the companion animal is classified into a plurality of behaviors by the retrieved bio-signal for the first time, different weights are applied to each of the classified behaviors, and at least some of the behaviors are excluded according to a predetermined criterion. calculate time,
Determine whether or not to pay the insurance money for the insurance money payment request based on the length of the second time calculated above;
The calculated length of the second time is,
A management server that is calculated differently according to the breed of the companion animal. a communication unit that communicates with the wearable device and the owner's terminal; and
Including; processing unit for processing the data received by the communication unit and the data to be transmitted,
The processing unit,
Receiving an insurance payment request for the companion animal from the terminal of the owner who owns the companion animal;
Retrieve biosignals for the first time collected from the wearable device mounted on the companion animal;
The behavior of the companion animal is classified into a plurality of behaviors by the retrieved bio-signal for the first time, different weights are applied to each of the classified behaviors, and at least some of the behaviors are excluded according to a predetermined criterion. calculate time,
Determine whether or not to pay the insurance money for the insurance money payment request based on the length of the second time calculated above;
The calculated length of the second time is,
A management server that is calculated differently according to the kind of companion animal. a communication unit that communicates with the wearable device and the owner's terminal; and
Including; processing unit for processing the data received by the communication unit and the data to be transmitted,
The processing unit,
Receiving an insurance payment request for the companion animal from the terminal of the owner who owns the companion animal;
Retrieve biosignals for the first time collected from the wearable device mounted on the companion animal;
The behavior of the companion animal is classified into a plurality of behaviors by the retrieved bio-signal for the first time, different weights are applied to each of the classified behaviors, and at least some of the behaviors are excluded according to a predetermined criterion. calculate time,
Determine whether or not to pay the insurance money for the insurance money payment request based on the length of the calculated second time,
The processing unit,
In the case of calculating the second time,
Learning the behavior pattern of the companion animal based on the biosignal of the companion animal for a learning period earlier than the first period of time;
If the companion animal for the bio-signal collected during the learning period and the companion animal for the searched bio-signal are not the same by applying the learned behavior pattern to the searched bio-signal, the time for the searched bio-signal is set as the first. A management server that does not take into account when calculating 2 hours. delete delete

Images