KR102502986B1 - User terminal and method for providing ui for insurance policy transaction - Google Patents

Abstract

Disclosed are a user terminal for providing the UI for insurance policy transactions and a method thereof. In particular, the present invention comprises: a display unit which displays the UI for insurance policy transactions; a user input unit which receives a user input on the UI; and a control unit which controls to display the UI based on the user input. The control unit may: control to display a first UI including a selecting menu with respect to an insurance subscriber searched according to a predetermined standard; control to change the first UI into a second UI to collect insurance subscriber information based on a first user input corresponding to the selecting menu; control to display first price information based on a second user input corresponding to the insurance subscriber information; and collect insurance policy transaction intention information based on a third user input corresponding to the first price information. Here, the first UI is produced after the selecting menu is added to the conventional UI for financial transactions, and the selecting menu is a menu to suggest insurance policy transactions. Therefore, insurance policy transactions may be activated.

Description

User terminal and method for providing UI for insurance policy transaction {USER TERMINAL AND METHOD FOR PROVIDING UI FOR INSURANCE POLICY TRANSACTION}

The present invention relates to a user terminal and method for providing a UI for insurance policy transaction. More specifically, it relates to a user terminal and method capable of providing a UI for collecting insurance policy transaction intentions to insurance subscribers.

The growth of the existing insurance industry was driven by the remodeling market, in which existing contracts are canceled and new contracts are signed through products that analyze guarantees through inquiry of insurance subscription details. In addition, due to the recent deterioration of the economic situation, the income of individuals or small business owners is decreasing. Due to these reasons, the number of cases where insurance contracts are canceled in the middle is continuously increasing.

The only way for an insurance policyholder to cancel an insurance contract is to receive a cancellation refund through cancellation of the insurance policy. Even if the cancellation refund is assumed to be 90%, current policyholders in the insurance contract market end up taking a loss of KRW 4 trillion and canceling their insurance contracts.

Therefore, the need for a method and system for trading insurance policies of insurance subscribers who want to cancel insurance contracts is increasing, and furthermore, the need for a method and system for collecting transaction intentions of insurance subscribers who want to trade insurance policies this is increasing

In addition, in order to trade insurance policies and collect insurance subscribers' willingness to trade, a UI suitable for this purpose is essential. Accordingly, the need for a user terminal and method for providing a UI for insurance policy transaction is also increasing.

Republic of Korea Patent Publication No. 10-2014-0095148 (Title of Invention: Method and terminal for processing financial transactions based on social network service)

An object of the present invention is to provide a user terminal and method for providing a UI for insurance policy transaction.

In addition, an object of the present invention is to activate the transaction of the insurance policy by collecting the intention of trading the insurance policy from the insurance subscriber.

In addition, an object of the present invention is to selectively provide a UI only to insurance subscribers under specific conditions.

In addition, an object of the present invention is to promote insurance policy trading by proposing price information on an insurance policyholder's insurance policy.

In order to solve the above problems, the present invention includes a display unit for displaying a UI for trading insurance securities, a user input unit for receiving a user input on the UI, and a control unit for controlling display of the UI based on the user input. However, the control unit controls to display a first UI including a selection menu for an insurance subscriber searched according to a predetermined criterion, and collects insurance subscriber information based on a first user input corresponding to the selection menu. Control to display 2 UI, control to display primary price information based on a second user input corresponding to the insurance subscriber information, and trade insurance securities based on a third user input corresponding to the primary price information Intent information is collected, and the first UI is obtained by adding the selection menu to an existing UI for financial transaction, and the selection menu may be a menu for proposing insurance policy transactions.

In addition, an insurance subscriber searched according to the predetermined criterion is an insurance subscriber who satisfies at least one of the first to third conditions with respect to the insurance subscriber pool, and the first condition is a keyword for cancellation of the insurance policy Must be an insurance subscriber with a history of entering, the second condition is an insurance subscriber whose credit rating has declined by more than a preset rate, and the third condition is an insurance subscriber whose expiration period of the insurance policy is within a preset period can be

Also, the second UI is a UI for receiving the second user input, and the second user input may include age information of the insurance subscriber.

In addition, the primary price information may be derived by synthesizing insurance policy transaction information of other insurance subscribers based on the age information.

In addition, in order to solve the above problems, the present invention is a method for providing a UI for collecting insurance policy transaction intention, - the method for providing the UI is performed by a user terminal, - according to a predetermined standard Displaying a first UI including a selection menu for the searched insurance subscriber, displaying a second UI for collecting insurance subscriber information based on a first user input corresponding to the selection menu, the insurance subscriber information Displaying primary price information based on a second user input corresponding to and collecting information on intention to trade insurance securities based on a third user input corresponding to the primary price information, The step of displaying the UI is to add and display the selection menu to the existing UI for financial transactions, and the selection menu may be a menu for proposing insurance securities transactions.

In addition, an insurance subscriber searched according to the predetermined criterion is an insurance subscriber who satisfies at least one of the first to third conditions with respect to the insurance subscriber pool, and the first condition is a keyword for cancellation of the insurance policy Must be an insurance subscriber with a history of entering, the second condition is an insurance subscriber whose credit rating has declined by more than a preset rate, and the third condition is an insurance subscriber whose expiration period of the insurance policy is within a preset period can be

In addition, the second UI is a UI for receiving the second user input, the second user input includes age information of the insurance subscriber, and the primary price information is based on the age information, and other insurance It may be derived by synthesizing insurance policy transaction information of subscribers.

The present invention has the effect of activating the transaction of insurance policies by collecting the intention to trade insurance policies from insurance subscribers.

In addition, the present invention has an effect of saving resources and simplifying the UI by selectively providing the UI only to insurance subscribers under specific conditions. Accordingly, the present invention may have an advantage when providing various financial services due to a simplified UI.

In addition, the present invention has an effect of facilitating insurance policy transactions by proposing price information on an insurance policyholder's insurance policy.

Effects obtainable according to the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the description below. will be.

1 schematically illustrates an insurance policy trading method.
2 schematically illustrates an insurance policy trading system.
3 shows a method for collecting insurance policy transaction intentions according to the present invention.
4 and 5 show a step (S1100) of searching for insurance subscribers with preset conditions according to the present invention.
6 shows a step (S1200) of providing refund amount information according to insurance cancellation and expected price information upon transaction to an insurance subscriber according to the present invention.
7 schematically shows a first server according to the present invention.
8 shows a functional configuration included in a memory according to the present invention.
9 illustrates a user terminal providing a UI for insurance policy transaction according to the present invention.
10 shows a control unit according to the present invention.
11 to 16 show examples of implementing a UI according to the present invention.
The accompanying drawings, which are included as part of the detailed description to aid understanding of the present specification, provide examples of the present specification and describe technical features of the present specification together with the detailed description.

Hereinafter, the embodiments disclosed in this specification will be described in detail with reference to the accompanying drawings, but the same or similar elements are given the same reference numerals regardless of reference numerals, and redundant description thereof will be omitted.

In addition, in describing the embodiments disclosed in this specification, if it is determined that a detailed description of a related known technology may obscure the gist of the embodiment disclosed in this specification, the detailed description thereof will be omitted.

In addition, the accompanying drawings are only for easy understanding of the embodiments disclosed in this specification, the technical idea disclosed in this specification is not limited by the accompanying drawings, and all changes included in the spirit and technical scope of the present invention , it should be understood to include equivalents or substitutes.

Terms including ordinal numbers, such as first and second, may be used to describe various components, but the components are not limited by the terms. These terms are only used for the purpose of distinguishing one component from another.

Singular expressions include plural expressions unless the context clearly dictates otherwise.

In this application, terms such as "comprise" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded.

Insurance policy trading method and system

1 schematically illustrates an insurance policy trading method, and FIG. 2 schematically illustrates an insurance policy trading system.

According to FIG. 1, the insurance policy trading method includes the steps of collecting an insurance policyholder's intention to sell the insurance policy (S11), evaluating the value of the insurance policy based on the collected sales intention (S12), and performing Based on the result of the value evaluation, it may include commercializing the insurance policy (S13) and providing a transaction proposal for the commercialized insurance policy (S14).

In the step of collecting the intention to sell the insurance policy of the insurance policyholder (S11), a user interface (UI) is provided to select an insurance policyholder that meets specific conditions and collect the intention to sell the insurance policy from the selected insurance policyholder. , It is possible to collect the intention to sell the insurance policy of the insurance subscriber by receiving feedback based on the user input corresponding to the UI.

The step of evaluating the value of the insurance policy based on the collected sales intention (S12) is a step of calculating the sales amount of the insurance policy based on the insurance policyholder's sales intention, and the sales amount is It may be greater than the amount expected by the City and less than the amount covered by the policy. The sales amount may be automatically calculated by a value evaluation module and a value evaluation algorithm, and an agreement message on the value evaluated by the insurance subscriber may be additionally received.

In addition, the step of evaluating the value of the insurance policy based on the collected sales intent (S12) may be performed through a bidding process. That is, rather than evaluating the value of the insurance policy through its own valuation criteria, the value evaluation step (S12) may be a step of evaluating the value of the insurance policy formed according to market principles through a bidding process. there is.

Based on the result of the value evaluation performed, the step of commercializing the insurance policy (S13) is a step of structuring and commercializing a plurality of insurance policies authorized to handle by a plurality of insurance subscribers, and according to the result of the valuation It may be a step of commercializing based on the appropriate amount calculated based on the product. What is Structuring Structuring means introducing derivatives such as options, futures, and swaps to underlying assets such as stocks, bonds, and exchange rates, or establishing a Special Purpose Vehicle (SPV) to It can mean securitization (a financial technique that raises funds by issuing bonds with the value of underlying assets or cash flows generated from underlying assets as collateral). (ABS)] and derivatives-linked securities.

Also, commercialization of insurance policies may refer to a process of grouping a plurality of insurance policies by period. Since the insurance amount is paid based on the maturity date of the insurance policy, a process of grouping a plurality of insurance policies may be performed according to the remaining period until the insurance amount is paid.

The step of providing a transaction proposal for the commercialized insurance policy (S14) may be a step of providing a selection option to the insurance subscriber. Specifically, the selection option may be an option that is provided to the user terminal of the insurance subscriber and can be selected by an input of the insurance subscriber. Conversely, the selection option may be an option that is provided to the user terminal of the insurance purchaser and can be selected according to the input of the insurance purchaser.

According to FIG. 2 , the insurance securities trading system may include a first user terminal 10 , a second user terminal 20 , a first server 100 and a second server 200 .

The first user terminal 10 is a terminal of an insurance subscriber and may transmit input data to the first server 100 according to a user input of an insurance subscriber. The second user terminal 20 is an insurance purchaser's terminal and may transmit input data to the first server 100 according to the insurance purchaser's user input.

The first server 100 is a server for servicing an insurance policy transaction method, and mediates and concludes an insurance policy transaction based on data received from the first user terminal 10 and/or the second user terminal 20 It can be a server for The second server 200 is a server for providing an insurance service by an insurance company, and may be a server storing and storing an insurance subscriber pool or insurance-related contract data. The first user terminal 10 may transmit and receive data by communicating with the second server 200 as well as the first server 100 .

Method and system for collecting intention to trade insurance securities

A subject performing the method of collecting insurance policy transaction intentions according to the present invention may be the above-described first server 100 or a processor included in the first server 100 .

3 shows a method for collecting insurance policy transaction intentions according to the present invention.

According to FIG. 3, the method for collecting the intention to trade insurance securities according to the present invention includes the step of searching for insurance subscribers under preset conditions for a pool of insurance subscribers (S1100), the refund amount due to insurance cancellation for the insurance subscribers It may include providing information and price information expected at the time of transaction (S1200) and receiving feedback data from insurance subscribers according to refund amount information or price information (S1300).

4 and 5 show a step (S1100) of searching for insurance subscribers with preset conditions according to the present invention.

According to FIG. 4, the step of searching for insurance subscribers with preset conditions for a pool of insurance subscribers (S1100) includes the step of receiving permission to access the pool of insurance subscribers (S1110) and transmitting information on the preset conditions. It may include a step (S1120) and a step (S1130) of receiving information on an insurance subscriber searched based on information on a preset condition.

The step of receiving access to the insurance subscriber pool (S1110) is a step of receiving permission to access and read data of the insurance subscriber pool DB of the second server 200, and to obtain information on preset conditions. The transmitting step (S1120) may be a step of searching for insurance subscribers based on preset conditions in the DB based on access rights, and receiving information on the searched insurance subscribers based on information on preset conditions (S1130). ) may be a step for receiving information on the searched insurance subscriber and collecting the transaction intention of the received insurance subscriber.

The information on the insurance subscriber may include not only the insurance subscriber's identity information, personal information, physical information, and medical records, but also information on the insurance policy subscribed by the insurance subscriber.

In this case, the preset condition may include at least one of the following conditions. Preset conditions to be described later may be applied to step S1130′ as well as step S1130 of the present invention, and for convenience, the description is centered on step S1130.

(1) 1st condition: Must have a history of entering keywords for insurance policy cancellation

(2) 2nd condition: Credit rating must fall by more than a preset rate

(3) 3rd condition: The expiration period of the insurance policy must be within the range of a preset period

For the first condition, the step of receiving information on the insurance subscriber (S1130) is the step of requesting search history data for a plurality of user terminals (S1131), searching for a specific keyword in the search history data (S1132), Extracting a user terminal (first user terminal (10 in FIG. 2)) for which a specific keyword is searched from among a plurality of user terminals (S1133), and the extracted user terminal (first user terminal (10 in FIG. 2)) A step of extracting information of a corresponding insurance subscriber (S1134) may be included. In this case, the plurality of user terminals may mean user terminals registered in the insurance subscriber pool.

In this case, the information of the insurance subscriber may include information of an insurance policy subscribed to by the corresponding insurance subscriber. Information on the insurance policy may include information such as subscription date, maintenance period, monthly payment amount, payment period, non-payment period, insurance end time, insurance type, insurance payment details, cancellation requirements, and refund amount upon cancellation. .

For example, the specific keyword may be a keyword related to insurance policy cancellation, such as “cancellation of insurance”, “withdrawal from insurance”, and “insurance refund”, and may be a predetermined keyword. Also, for example, based on the unique number or phone number written in the user terminal, corresponding insurance subscriber information may be extracted.

For the second condition, the step of receiving information on the insurance subscriber (S1130) is the step of extracting the identity information of the user corresponding to the first user terminal (10 in FIG. 2) (S1135), the extracted identity information to an external server (S1136) and receiving user's credit information from an external server (S1137), deriving a difference between credit information of the first time and credit information of the second time (S1138), and the derived difference When the value is greater than the preset value, receiving insurance subscriber information (S1139) may be included. In this case, the external server may mean a server of an institution or company that stores/manages credit information. Also, in some cases, the external server may mean the second server (200 in FIG. 2).

For the third condition, the step of receiving information on the insurance subscriber (S1130) is the step of extracting the user's identity information corresponding to the first user terminal (10 in FIG. 2) (S1135'), and removing the extracted identity information. 2 Transmitting to server (200 in FIG. 2) (S1136') and receiving user's insurance policy expiry period information from the second server (200 in FIG. 2) (S1137'), and received insurance policy expiry period It may include a step of comparing with a preset period (S1138').

According to FIG. 5, the step of searching for insurance subscribers with preset conditions for a pool of insurance subscribers (S1100) is the step of receiving access to the pool of insurance subscribers (S1110'), receiving and storing the pool of insurance subscribers (S1120'), and searching for insurance subscribers according to preset conditions with respect to the stored pool of insurance subscribers (S1130').

S1110' to S1130' are scenarios that can replace or be parallel to the above-described S1110 to S1130, and can be searched faster and under various conditions by directly searching for data in the first server (100 in FIG. 2).

6 shows a step (S1200) of providing refund amount information according to insurance cancellation and expected price information upon transaction to an insurance subscriber according to the present invention.

According to FIG. 6, the step of providing price information according to the present invention (S1200) is the step of receiving the refund amount information and requirement information for the insurance policy from the second server (200 in FIG. 2) (S1210), insurance subscriber personal information Receiving from the first server (100 in FIG. 2) (S1220), generating primary price information derived based on at least one of refund amount information, requirement information, and personal information (S1230), and the generated price information It may include transmitting to the first user terminal (10 in FIG. 2) (S1240).

The refund amount information may be information about the refund amount agreed upon when the insurance policy is generated and stored in the second server ( 200 in FIG. 2 ). That is, the contracted amount of refund may mean an amount that can be refunded when the insurance contract is canceled based on the time when the insurance subscriber accesses the first server (100 in FIG. 2) or a desired time.

Requirement information is information about a pre-agreed formula for deriving the refund amount, and may be information including an insurance premium payment period, an inflation rate, an agreement period, and the like.

The insurance subscriber's personal information may include all information with the consent of the insurance subscriber, such as the insurance subscriber's medical records, health information, credit information, asset information, and personal information.

Price information is information about the price or price range of an insurance policy presented to an insurance subscriber, and the insurance subscriber can determine a transaction or purchase intention based on the price information.

The primary price information is to propose to an insurance subscriber in advance, and may refer to information in which the price of an insurance policy is previously calculated before the value of the insurance policy is evaluated. Since the primary price information is calculated without evaluating the value of the insurance policy, information on an approximate price range may be included.

The step of generating the primary price information (S1230) includes the step of learning big data of a similar range based on the information of the insurance subscriber (S1231) and the step of generating the primary price information based on the learning result (S1232). can do. The step of learning big data of a similar range (S1231) may be replaced with a step of extracting data of a similar range, and may be described as being common as step S1231 below.

The step of learning big data of a similar range based on the information of the insurance subscriber (S1231) is a step of learning big data of a similar range in consideration of at least one of the insurance subscriber's age information, insurance policy information, and contract refund rate information. there is. Big data of a similar scope may refer to data including sales price information of insurance policies sold by the above-described insurance policy trading method and system.

For example, the step of learning (S1231) includes data on insurance subscribers who have purchased the same or similar insurance products as those of the first user terminal (10 in FIG. 2) among insurance subscribers of a similar age to the age of the insurance subscribers. It may be a step of extracting or learning.

Insurance policy information according to the present invention may include at least one of a payment period, an inflation rate, a demand or supply ratio, a payment amount included in the received subscription information, and a refund amount included in the subscription information.

Generating the primary price information based on the learning result ( S1232 ) may be a step of generating the primary price based on the transaction prices of insurance policies of other insurance subscribers similar to the age of the insurance policyholder as a result of big data learning. Accordingly, the primary price information may be higher than the refund amount calculated in consideration of the contract refund rate information and may be lower than the guaranteed amount at the time of maturity of the insurance policy.

Transmitting the generated price information to the first user terminal (10 in FIG. 2) (S1240) converts the price information into display information and displays the generated price information on the first user terminal (10 in FIG. 2). It may be a step of transmitting to the first user terminal (10 in FIG. 2).

According to FIG. 3, receiving feedback data from an insurance subscriber according to refund amount information or price information according to the present invention (S1300) provides feedback from an insurance subscriber according to refund amount information or price information to a first user terminal (10 in FIG. 2). ) can be received through In this case, the inputted feedback may include the insurance subscriber's intention to trade or sell. Conversely, the inputted feedback may include an insurance subscriber's intention to reject a transaction or an intention to maintain an insurance contract. Also, the feedback may include intention to provide additional information for evaluating the value of the insurance policy, and the like.

7 schematically shows a first server according to the present invention.

According to FIG. 7 , the first server according to the present invention may include a processor, a memory and a communication module.

The processor 120 may control other components by executing commands stored in the memory 110 . The processor 120 may execute instructions stored in the memory 110 .

The processor 120 is a component capable of performing calculations and controlling other devices. Mainly, it may mean a central processing unit (CPU), an application processor (AP), a graphics processing unit (GPU), and the like. Also, the CPU, AP, or GPU may include one or more cores therein, and the CPU, AP, or GPU may operate using an operating voltage and a clock signal. However, while a CPU or AP consists of a few cores optimized for serial processing, a GPU may consist of thousands of smaller and more efficient cores designed for parallel processing.

The processor 120 may provide or process appropriate information or functions to a user by processing signals, data, information, etc. input or output through the components described above or by running an application program stored in the memory 110.

The memory 110 stores data supporting various functions of the first server. The memory 110 may store a plurality of application programs (or applications) running in the first server 100 , data for operation of the first server 100 , and commands. At least some of these application programs may be downloaded from an external server through wireless communication. In addition, the application program may be stored in the memory 110, installed in the first server 100, and driven by the processor 120 to perform an operation (or function) of the first server 100.

The memory 110 may be a flash memory type, a hard disk type, a solid state disk type, a silicon disk drive type, or a multimedia card micro type. ), card-type memory (eg SD or XD memory, etc.), RAM (random access memory; RAM), SRAM (static random access memory), ROM (read-only memory; ROM), EEPROM (electrically erasable programmable read -only memory), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, and an optical disk. Also, the memory 110 may include a web storage performing a storage function on the Internet.

The communication module 130 transmits and receives information with a base station or a camera having a communication function through an antenna. The communication module 130 may include a modulation unit, a demodulation unit, a signal processing unit, and the like. Also, the communication module 130 may perform a wired communication function.

Wireless communication may refer to communication using a wireless communication network using a communication facility previously installed by telecommunication companies and a frequency of the communication facility. At this time, the communication module 130 is CDMA (code division multiple access), FDMA (frequency division multiple access), TDMA (time division multiple access), OFDMA (orthogonal frequency division multiple access), SC-FDMA (single carrier frequency division multiple access), and the like, as well as the communication module 130 can also be used for 3rd generation partnership project (3GPP) long term evolution (LTE). In addition, not only 5G communication, which is currently being commercialized, but also 6G, which is scheduled to be commercialized later, can be used. However, the present specification may utilize a pre-installed communication network without being bound by such a wireless communication method.

In addition, as a short range communication technology, Bluetooth, BLE (Bluetooth Low Energy), Beacon, RFID (Radio Frequency Identification), NFC (Near Field Communication), infrared communication (Infrared Data Association; IrDA) ), UWB (Ultra Wideband), ZigBee, etc. may be used.

The first server 100 according to the present invention may include a memory for storing a command, a processor for performing an operation based on the command, and a communication module for communicating with an external device under the control of the processor.

At this time, the first server 100 (or processor) may execute a command for searching for insurance subscribers under preset conditions with respect to the pool of insurance subscribers. In addition, the first server 100 (or processor) may generate refund amount information according to insurance cancellation of the insurance subscriber and expected price information during transaction. In addition, the first server 100 (or processor) receives feedback from an insurance subscriber according to refund amount information or price information from the outside through a communication module, and the first server 100 (or processor) receives feedback from an insurance subscriber based on the feedback. You may be authorized to handle insurance policies. Handling authority may be granted from user input received through the first user terminal (10 in FIG. 2).

In this case, the inputted feedback may include the insurance subscriber's intention to trade or sell. Conversely, the inputted feedback may include an insurance subscriber's intention to reject a transaction or an intention to maintain an insurance contract. Also, the feedback may include intention to provide additional information for evaluating the value of the insurance policy, and the like. The handling authority for the first server 100 may be granted based on the intention of the insurance subscriber.

At this time, the price information is range information about the expected price of the insurance policy, and the first server 100 (or processor) may perform an algorithm for generating the price information. The algorithm to be executed may be an algorithm for calculating price information based on sales details of insurance policies and insurance policies of a predetermined similar range in the pool of insurance subscribers.

8 shows a functional configuration included in a memory according to the present invention.

According to FIG. 8, the memory 110 according to the present invention may include a search module 111, an information provision module 112, a pseudo collection module 113, a learning module 114, and a learning data generation module 115. can

The search module 111 according to the present invention may be a component for searching for insurance subscribers under preset conditions with respect to a pool of insurance subscribers. The preset condition may include the above conditions, and the insurance subscriber pool may be data previously received from the insurance company server.

The information providing module 112 according to the present invention may be a component for providing primary price information to insurance subscribers. The information providing module 112 may generate primary price information based on the learning result received from the learning module 114 and transmit it to the first user terminal ( 10 in FIG. 2 ).

The intention collection module 113 according to the present invention may be a component for collecting and storing transaction intention information of an insurance subscriber based on primary price information. The intention collection module 113 may receive a user input, derive transaction intention information according to the user input, store the derived transaction intention information, and transmit it to the outside.

The learning module 114 according to the present invention may generate primary price information through big data learning. The learning module 114 according to the present invention can learn big data through CNN algorithm. Through this, the learning module 114 according to the present invention can extract common features by learning the insurance policy transaction prices of other insurance subscribers of the same or similar age as the age of the insurance subscriber. The CNN algorithm is configured to apply a filtering technique to the original data by adding a new layer, called a convolutional layer and a pooling layer, before the fully-connected layer, and then perform a classification operation on the filtered data. can

The learning data generation module 115 according to the present invention may be a component for additionally generating data to be used as big data in the learning module. The learning data generation module 115 according to the present invention may generate learning data through a GAN algorithm. The GAN algorithm can be as follows.

"Generative Adversarial Network (GAN)" is a model that includes a generator and a discriminator. Based on training data, the generator generates data close to the training data, and the discriminator It refers to an algorithm that determines whether the data is the same as the training data or the data generated by the generator, and in this process, the generator learns to deceive the discriminator to create an image close to the training data.

The GAN algorithm according to the present invention can generate raw data that can be used as big data in a learning module through a generator and a discriminator. The discriminator according to the present invention can be verified based on existing big data (other insurance subscriber information and transaction information) used in the learning module.

That is, the learning data generation module 115 according to the present invention can generate fake data using the GAN algorithm and provide it to the learning module to generate primary price information according to the present invention.

Data input to the GAN algorithm can be divided into training data (hereinafter referred to as train data) and test data (hereinafter referred to as test data). Each train data and test data are divided into different data of A and B, and in the learning process of the algorithm, when A is an input value, B is trained to be generated as an output value.

The generator learns from the real data to produce similar data that can fool the discriminator into being the same as the training data. Next, the discriminator judges whether the input data is the same as the training data (True) or the data randomly generated by the creator (False) and distinguishes them. The generator repeats the process of learning by receiving the information that did not deceive the discriminator, and the discriminator receives the information that was deceived by the generator, so that the generator generates data close to reality.

A generator can connect a latent vector and a specific image through sampling in the latent space. The discriminator derives the distance between the data distribution generated from the generator and the actual data distribution, and can punish the generator according to the distance value. The method for the discriminator to derive the distance between the distributions is KL (Kullback-Leibler) divergence, which is as shown in the following equation.

[Equation 1]

Here, p is the distribution of the real data set, q is the distribution of the fake data set created by the creator, and KL divergence can mean a value obtained by subtracting the entropy of p from the cross entropy of p and q.

Preferably, the adversarial generative neural network algorithm according to the present invention may use a modified KL divergence, which is as shown in the following equation.

[Equation 2]

Preferably, where k1 is a first constant and k2 is a second constant, which can be derived by the following equation.

[Equation 3]

The average is the sum of all values and divided by the total number of data, the median is the value at the center when all values are sorted in size order, and if the total data is even, the two middle values are added and divided by 2 can be a value

The discriminator can use a loss function to clearly classify the two distributions, and the equation is as follows.

[Equation 4]

는 기대값으로서, P(x)의 확률로 나타난는 함수 f(x)의 평균일 때 아래 수학식과 같다. However, x is the image (high-dimensional vertor), G is the generator function, D is the discriminator compartment, Pdata is the distribution of the real data set (same as p above), and Pg is the fake data generated by the generator. is the distribution (same as q above),

Is an expected value, and when is the average of the function f (x), which appears as a probability of P (x), it is equal to the following equation.

[Equation 5]

[Experimental Example]

The preference for the result (fake data) generated through the GAN algorithm according to the present invention is as follows. The table below was commissioned by 10 experts in the relevant technical field, and the preference for the result generated by the GAN algorithm (using Equation 3) modified according to the present invention and the result generated by the general GAN algorithm was investigated and numerically displayed. will be. At this time, the preference is indicated by a number between 0 and 100, with the higher the accuracy with the original data set, the higher the number.

General GAN Algorithm Modified GAN Algorithm average preference
(score) 74 92

Table 1 shows the scores obtained by asking an expert about the preference of the result generated according to the general GAN algorithm and the modified GAN algorithm of the present invention.

In addition, this experimental example was experimented using 120 different real data sets, and 10 experts surveyed the preference for the fake data set (outcome) generated as a result of learning 120 different real data sets. it was investigated

As can be seen in Table 1, in the case of the general GAN algorithm, a relatively low preference score was investigated due to a relatively high discrepancy with the actual data set. In addition, in the case of the modified GAN algorithm, it is confirmed that a relatively high preference score was investigated because the discrepancy with the actual data set was relatively low.

User terminal and method for providing UI for insurance policy transaction

9 shows a user terminal providing a UI for insurance policy transaction according to the present invention, and FIG. 10 shows a control unit according to the present invention.

According to FIG. 9, the user terminal 10 according to the present invention may be the above-described first user terminal (10 in FIG. 2), and may include a display unit 11, a user input unit 12, and a control unit 13. can

The display unit 11 according to the present invention may refer to a device that receives screen data from a processor and displays it so that a user can check it through senses. The display unit 11 may include a self-emissive display panel or a non-emissive display panel. For example, an OLED panel that does not require a backlight may be exemplified as a self-emissive display panel, and an LCD panel that requires a backlight may be exemplified as a non-emissive display panel, but is not limited thereto.

The display unit 11 may also be implemented in the form of a touch screen forming a mutual layer structure with a touch pad. In this case, the display unit 11 may be used as a user input unit 12 to be described later in addition to an output device. Also, the touch screen may be configured to detect touch input pressure as well as touch input location and area.

The display unit 11 according to the present invention may display a UI (User Interface) for insurance policy transactions. The display unit 11 may be controlled by the controller 13. Also, the display unit 11 may output the video signal received from the control unit 13 to the outside.

The user input unit 12 may perform a function of receiving a user input by touch or the like. Here, the user input unit 12 may be implemented in the form of a touch screen integrated with the display unit 11 as described above. In addition, the user input unit 12 may refer to any configuration for receiving a command from a user and inputting a command to a computing device, such as a keyboard, mouse, microphone, and touch panel.

The user input unit 12 according to the present invention may receive or receive a user input on the UI for trading insurance securities.

The control unit 13 according to the present invention may control the display unit 11 and the user input unit 12 or provide necessary data to the display unit 11 and the user input unit 12 . In addition, the control unit 13 may process or store certain data received from the display unit 11 and the user input unit 12 .

According to FIG. 10, the control unit 13 according to the present invention may include a processor 13a, a memory 13b, and a communication module 13c, and the configuration is the same as or overlapped with that of FIG. 7 described above. may be omitted below.

Hereinafter, FIGS. 11 to 16 show examples of implementing a UI according to the present invention. The UI drawn in FIGS. 11 to 16 is only an example to aid understanding and does not limit the scope of the present specification.

11 and 12 show a user terminal including a first UI according to the present invention.

11 and 12, the first UI according to the present invention may include a selection menu for insurance subscribers searched according to a predetermined criterion. The first UI may be one in which the selection menu is added to the existing UI for financial transactions. In this case, the selection menu is a menu for suggesting an insurance policy transaction, and when the user inputs a first user input corresponding to the selection menu, the control unit (13 of FIGS. 9 and 10) may change the first UI to the next UI. At this time, the selection menu may be a menu for collecting insurance subscribers' intention to sell insurance.

11 and 12, an SNS messenger-based financial product counseling platform is depicted as an example. The first UI may be in the form of further including a selection menu in addition to the existing UI based on the existing financial product counseling platform. In this case, the existing financial product counseling platform may be based on an SNS messenger or may be based on a separate application.

13 illustrates a user terminal including a second UI according to the present invention, and FIG. 14 illustrates a user terminal including a third UI according to the present invention.

According to FIG. 13 , the second UI according to the present invention may be a UI for receiving a second user input and may be a UI for collecting insurance subscriber information based on a first user input corresponding to a selection menu. That is, insurance subscriber information may be input through the user input unit (12 in FIG. 9) as the second user input.

In addition, the second UI may be a part of an insurance securities transaction consulting platform provided by the first server (100 in FIG. 2) for carrying out the present invention beyond the existing financial product consulting platform.

Insurance subscriber information is for authentication of the user of the user terminal, and may include a user name, resident registration number, and other information for authentication. In this case, other information for self-authentication may be all information for determining the identity of the user of the user terminal and the insurance subscriber, such as certificate information, ID information, and information on pre-stored questions.

According to FIG. 14 , the third UI according to the present invention is a UI for displaying primary price information, and when receiving a request for primary price information as a user input, the primary price information according to the request can be displayed. The primary price information is calculated without analyzing additional information on the insurance subscriber or evaluating the specific value of the insurance policy, and may be automatically calculated based on data on other insurance subscribers with similar conditions to the insurance subscriber.

15 shows a user terminal including a fourth UI according to the present invention, and FIG. 16 shows a user terminal including a fifth UI according to the present invention.

According to FIG. 15 , a fourth UI according to the present invention may be a UI for collecting additional information for calculating secondary price information from an insurance subscriber requesting additional information based on primary price information. For example, since the insurance subscriber's consent is required for the insurance subscriber's credit information and medical record information necessary to calculate the secondary price information, the fourth UI may be a UI for receiving the insurance subscriber's consent as a user input. .

In this case, the secondary price information may be price information generated based on the evaluation of the value of the insurance policy based on the additional information. For example, when the additional information is transmitted to the first server (100 in FIG. 2), the insurance policy valuation committee or its computing device, the first server (100 in FIG. 2), the insurance policy valuation committee or its computing device After evaluating the value of the insurance policy, secondary price information can be generated and provided to other devices.

According to FIG. 16, a sixth UI according to the present invention may be a UI for displaying secondary price information. The secondary price information is calculated by the first server (100 in FIG. 2) or the insurance policy value evaluation committee (computing device) according to the present invention, and may be displayed on the first user terminal. Alternatively, the secondary price information may be price information that has been evaluated for the insurance policy of the policyholder and inputted from the outside. That is, the secondary price information may be price information generated through valuation of the insurance policy.

According to FIG. 16 , the sixth UI according to the present invention may display secondary price information and further display a selection menu for selecting sale, cancellation, and maintenance of a corresponding insurance policy based on the secondary price information. Upon receiving user input for sale, the insurance policy may be sold with secondary price information. In addition, when a user input for cancellation is received, the insurance policy may be canceled with an agreed refund amount. In addition, when a user input for maintenance is received, the insurance policy may be maintained until maturity without being sold or terminated.

17 illustrates a method of providing a UI for insurance policy transaction. Among descriptions of the method for providing a UI according to the present invention, descriptions identical to or overlapping with the above description may be omitted.

According to FIG. 17 , the method of providing a UI for insurance policy transaction according to the present invention can be performed by the above-described first user terminal. A method for providing a UI for insurance policy transaction according to the present invention includes displaying a first UI including a selection menu for insurance subscribers searched according to a predetermined criterion (S110), a first user corresponding to the selection menu Displaying a second UI for collecting insurance subscriber information based on an input (S120), displaying primary price information based on a second user input corresponding to the insurance subscriber information (S130), and A step of collecting insurance policy transaction intention information based on a third user input corresponding to the car price information (S140) may be included.

In addition, the method for providing a UI for insurance policy transaction according to the present invention includes displaying a fourth UI for generating secondary price information (S150), and providing final command information of an insurance subscriber based on the secondary price information. A step of displaying a fifth UI for collection (S160) may be further included. The final order information may include information about the sale of the policy, the cancellation of the policy and the maintenance of the policy.

At this time, the step of displaying the first UI (S110) is to add and display the selection menu to the existing UI for financial transactions, and the above selection menu may be a menu for proposing insurance securities transactions. An insurance subscriber searched according to a predetermined criterion may be an insurance subscriber searched according to the above-described criterion.

Displaying a second UI for collecting insurance subscriber information based on the first user input (S120) may provide a UI for collecting user name, resident registration information, and information for self-authentication, and age from resident registration information Information can also be derived.

In the step of displaying primary price information (S130), a rough price range of an insurance policy may be displayed based on data of other insurance subscribers having similar conditions to the insurance policyholder.

Collecting information on intention to trade insurance securities ( S140 ) may be a step of collecting information on intention to trade insurance securities from insurance subscribers based on an intention to consent to the primary price information (a third user input).

The insurance policy transaction intention information according to the present invention may include the consent of the insurance subscriber to trade their insurance policy, or the intention to obtain additional information by providing additional information for the insurance policy transaction. .

An insurance subscriber searched according to the predetermined criteria is an insurance subscriber who satisfies at least one of the first to third conditions with respect to the pool of insurance subscribers, and the first condition is a keyword for cancellation of the insurance policy. An insurance subscriber with a history, the second condition being an insurance subscriber whose credit rating has declined by more than a preset rate, and the third condition being an insurance subscriber whose expiration period of the insurance policy is within a preset period. .

Also, the second UI is a UI for receiving the second user input, and the second user input may include age information of the insurance subscriber. In addition, the primary price information may be derived by synthesizing insurance policy transaction information of other insurance subscribers based on the age information, and may be derived based on big data including insurance policy transaction information of other insurance subscribers. there is. At this time, the primary price information according to the present invention may be generated in the same way as in step S1230 described above.

For reference, the insurance policy transaction method and system of the above specification, the method and system for collecting insurance policy transaction intentions, and the user terminal and method for providing a UI for insurance policy transaction can be linked and described as one invention, For convenience of description, it is divided and explained.

The above-described present invention can be modeled as a computer readable code on a medium on which a program is recorded. The computer-readable medium includes all types of recording devices in which data readable by a computer system is stored. Examples of computer-readable media include Hard Disk Drive (HDD), Solid State Disk (SSD), Silicon Disk Drive (SDD), ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, etc. , and also includes those modeled in the form of carrier waves (eg, transmission over the Internet). Accordingly, the above detailed description should not be construed as limiting in all respects and should be considered illustrative. The scope of this specification should be determined by reasonable interpretation of the appended claims, and all changes within the equivalent scope of this specification are included in the scope of this specification.

Any or other embodiments of the present invention described above are not mutually exclusive or distinct. Certain or other embodiments of the present invention described above may be used in combination or combination of respective configurations or functions.

The above detailed description should not be construed as limiting in all respects and should be considered illustrative. The scope of the present invention should be determined by reasonable interpretation of the appended claims, and all changes within the equivalent scope of the present invention are included in the scope of the present invention.

10: first user terminal
20: second user terminal
100: first server
200: second server

Claims (7)

a display unit displaying a UI for insurance policy transaction;
a user input unit that receives a user input on the UI; and
Including; a control unit controlling to display the UI based on the user input;
The control unit controls the display unit,
Displaying a first UI including a selection menu, displaying a second UI based on a first user input corresponding to the selection menu, wherein the second UI is for collecting insurance subscriber information, and the insurance subscriber Displaying primary price information based on a second user input corresponding to the information;
The control unit collects information on intention to trade insurance securities based on a third user input corresponding to the primary price information,
The first UI,
including the selection menu, wherein the selection menu is a menu for proposing an insurance policy transaction, and the selection menu is displayed to insurance subscribers who have been searched according to a predetermined criterion;
The control unit,
Requesting additional information from the insurance subscriber and receiving secondary price information for the insurance policy based on the additional information;
The primary price information is derived based on insurance policy transaction information of other insurance subscribers, and the secondary price information is price information based on valuation of insurance policies,
Insurance subscribers searched according to the predetermined criteria,
As an insurance subscriber included in the insurance subscriber pool and satisfying at least one of the first to third conditions,
The first condition is to have a history of entering keywords for insurance policy cancellation, the second condition is that the credit rating declines by more than a preset rate, and the third condition is that the insurance expiration date is within a preset period. thing,
The second UI is a UI for receiving the second user input, and the insurance subscriber information collected according to the second user input includes age information;
The primary price information is derived by synthesizing the insurance policy transaction information of the other insurance subscribers, and the other insurance subscribers are extracted based on the age information;
The control unit receives the primary price information from a first server,
The first server generates the first price information,
Generates data to be used as big data using a GAN algorithm, learns by applying a CNN algorithm to the insurance securities transaction information of the other insurance subscribers and data generated by the GAN algorithm,
The GAN algorithm uses Equation 2 and Equation 3 below,
user terminal.
[Equation 2]

[Equation 3]

(However, the average value is the value divided by the total number of data after adding all values, and the median value is the value located in the center when all values are sorted in size order. value divided by 2). delete delete delete delete delete delete

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