KR102587043B1 - platform for integrated search for damage insurance customized, big data-driven, and systems and methods to support it - Google Patents

Abstract

A system supporting a big data-based customized non-life insurance product integrated search platform according to an embodiment of the present invention includes a customer terminal that requests new or changed non-life insurance product subscription using the customized non-life insurance product integrated search platform; And search and extract at least one non-life insurance product that matches the collateral (Risk) and/or selection presented in the customer terminal and provide it to the customer terminal, and when requested to subscribe to a non-life insurance product from the customer terminal, the non-life insurance product It includes an integrated insurance search server that sends the customer's subscription information to the relevant insurance company's server after completing the product subscription process.

Description

Big data-based customer-customized integrated search platform for damage insurance products and systems and methods to support it {platform for integrated search for damage insurance customized, big data-driven, and systems and methods to support it}

The present invention relates to a big data-based integrated search platform for customized non-life insurance products and a system and method supporting the same.

Currently, each insurance company is developing and owning general (fire/special) insurance products ranging from home fire insurance to pet insurance, but with initial marketing and the law of large numbers applied, they are not able to reach a scale where stable business operation is possible. Due to business risks that need to be addressed, products that have secured some markets (such as home fire insurance) are often sold as long-term insurance through on/off-line channels, so it is not a main product but a new market (niche market) expected to grow in the future. ), the format of each insurance company's product is different and there is no detailed explanation of insurance subscription, which makes it quite difficult for insurance consumers who want to be covered for the risk to access it.

As a representative example, in the current domestic housing fire (apartment, single-family home, country house, etc.) insurance market, most insurance companies underwrite apartment group fire insurance with a one-year expiration general insurance, and general insurance that individual customers subscribe to. In the case of home fire insurance, most insurance products are sold as long-term insurance (insurance products where premiums are paid for 3 years or more).

In the case of home fire insurance subscribed by individual customers, based on a 30 pyeong apartment and a first-class detached house, the size of the insurance premium paid per year is approximately 20,000 to 30,000 won when subscribing to general insurance, net insurance premium (risk insurance premium) + It is a savings product structure in which an accumulated insurance premium that is refunded at maturity is added in addition to the additional insurance premium, and the premium paid is relatively high.

Due to the nature of the insurance industry, this sales structure is due to the insurance company's initial marketing costs and securing the profit and loss structure in the initial market before the law of large numbers was formed, and a significant portion of the general insurance (fire/special insurance) currently in operation is ) is sold as a long-term insurance product for the same reason.

Excluding group insurance for apartments, insurance consumers who want to sign up for insurance for individually owned homes find sites that sell the product on the insurance company's Internet website or sign up through some home shopping and insurance agencies and planners that handle fire insurance.

Apartments located in Seoul are insured by fire insurance through the apartment group insurance at the apartment management office, and an insurance premium of 2,100 won is added to the management fee every month, resulting in an annual insurance premium of 25,200 won. The country house located in Gyeonggi-do is signing up for long-term fire insurance paying 50,000 won per month as a result of requesting subscription through the planner who manages Mr. A's actual loss insurance.

In the case of Mr. A, he wanted to sign up for perishable insurance for his country home, but most insurance companies do not cover general insurance because the building class is Class 4 (wooden house), and he also wanted to sign up for general insurance from the planner he deals with, but the planner in charge Because the commission was too low, they did not cover it, so I had no choice but to sign up for savings-type long-term insurance.

Based on the above, from the insurance consumer's point of view, in order to sign up for general insurance (house fire) products, 1. a situation arises in which insurance is not obtained even after considerable time and effort is spent, and 2. compared to the scope of coverage and compensation limit, The cost to bear is not small, and from the insurer's point of view, general fire insurance is sold in the residential fire market for apartments where the law of large numbers applies, but the market formation is not generalized, so the individual housing fire insurance market and niche markets (niche markets) are sold. In the case of developing and selling products to pioneer new markets, it is not easy to expand the market to a level where the law of large numbers applies due to the above problems, and this causes the same restrictions in other new markets, making it difficult to expand new markets. The situation is difficult.

Public Patent Publication No. 10-2015-0142407

The purpose of the present invention is to provide a big data-based integrated search platform for customized non-life insurance products that can solve conventional problems, and a system and method to support the same.

The system that supports the big data-based customer-customized non-life insurance product integrated search platform according to an embodiment of the present invention to solve the above problem allows new or changed non-life insurance product subscriptions using the customized non-life insurance product integrated search platform. Customer terminal making a request; And search and extract at least one non-life insurance product that matches the collateral (Risk) and/or selection presented in the customer terminal and provide it to the customer terminal, and when requested to subscribe to a non-life insurance product from the customer terminal, the non-life insurance product After completing the product subscription process, it includes an integrated insurance search server that sends the customer's subscription information to the relevant insurance company's server, and the integrated insurance search server receives subscription information including pre-designated required information and underwriting-related information from the customer terminal. An input unit that receives data; Non-life insurance product DB section constructed by databaseizing non-life insurance products of affiliated insurance companies; A search unit that searches and extracts customized non-life insurance products that match the collateral and options entered in the customer terminal from the non-life insurance product DB unit; A recommendation unit that recommends a customized non-life insurance product to the customer based on the required subscription information for each non-life insurance product entered from the customer terminal; By linking with the database of the insurance company's server, changes in non-life insurance products collected from the insurance company's server are tracked, and when changes are confirmed, information on the changed part is requested, and non-life insurance product change information is fed back upon request. An update unit that updates the non-life insurance product DB unit; and a platform providing unit that provides the customized non-life insurance product integrated search platform, wherein the search unit receives the address required to subscribe to the home fire insurance product from the customer terminal and calculates the subscription amount for each collateral according to the housing area of the address. Home fire insurance products by general (payment of insurance premiums per year for expiration) or long-term insurance (payment of insurance premiums for more than 3 years) that are suitable or tailored to the customer by matching the policy rules of the non-life insurance products of each insurance company registered in the non-life insurance product database. Searches and extracts and provides, and if the customer terminal designates two or more conditions as the highest priority conditions for subscribing to a non-life insurance product, the recommendation unit extracts a number of non-life insurances with similar condition values from the non-life insurance product DB unit, After 1:1 or 1:many comparison, the advantages and disadvantages of each product are extracted, and the advantages and disadvantages are scored and provided. The integrated search platform for customized non-life insurance products includes ① search/inquiry interface, ② live chatbot interface, and ③ It includes a non-life insurance subscription interface and ④ premium payment interface, and the ① search/inquiry interface is an interface for customers to search and search for non-life insurance products that can be subscribed to by type, premium, and collateral of new or changed non-life insurance, including collateral ( Risk) is an interface that provides the insurance terms and conditions site (URL) of affiliated insurance companies provided to confirmed customers, and the ② live chatbot interface provides a series of information regarding subscription requirements for non-life insurance products, consultation on coverage benefits, and subscription requests. It is an interface that supports the process through voice, and the ③ non-life insurance subscription interface above receives the information and collateral required to subscribe to the non-life insurance product designated by the customer, receives product subscription and product changes, and issues the received non-life insurance product. This is an interface that provides customer subscription information to the insurance company's server, requests subscription approval from the insurance company's server, receives the customer's insurance policy from the insurance company's server, and sends the insurance policy to the customer's email. The ④ insurance premium payment interface above Supports an integrated payment processing function for insurance premiums for non-life insurance products sold by affiliated insurance companies. It verifies insurance subscription using only the insurance policy number or address number without the customer's personal information. Once insurance subscription is confirmed, the non-life insurance company It is characterized as an interface that provides a payment method for processing insurance premiums through an insurance company account.

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By using the big data-based customized non-life insurance product integrated search platform and the system that supports it according to an embodiment of the present invention, the desired coverage is extracted without directly contacting the insurance company by bypassing financial institutions rather than simply comparing the prices of selected insurances. It provides the advantage of being able to purchase insurance.

According to one of the means for solving the problem of the present invention, the collateral (Risk) is analyzed based on the individual's address information, and the insurance underwriting data including the underwriting instructions of the existing insurance company are substituted to determine whether the underwriting is possible, insurance conditions and Customized insurance products can be provided to users by providing data analysis and matching that presents the user with a list of products under conditions that can be subscribed after checking the compensation limit, and simply extracting the same product under the same conditions by linking with the individual insurance company's computer system is possible. In addition, it is possible to match the optimal product to the user's needs and revitalize the non-life insurance market that will bring positive benefits to society as a whole.

Through the above-mentioned advantages, insurance consumers are expected to improve accessibility to desired products, and insurers are expected to improve the growth of the new insurance market (Niche Market) and continue to discover markets for further expansion in the long term. The effect of expanding the overall market for general insurance, which is inactive compared to insurance, can be expected, and the platform operator, as an insurance agent, provides insurtech services in related markets based on commission income and data on owners (contractors) such as accumulated houses. There is an advantage in that it can be expected to play a role as an axis of .

Figure 1 is a network configuration diagram of a system supporting a big data-based customized non-life insurance product integrated search platform according to an embodiment of the present invention.
Figure 2 is a detailed configuration diagram of the insurance integrated search server shown in Figure 1.
Figures 3 to 5 are exemplary diagrams of the execution screen of the integrated search platform for customized non-life insurance products shown in Figure 1.
Figure 6 is a flowchart explaining a big data-based non-life insurance product integrated search and subscription method according to an embodiment of the present invention.
Figure 7 is a diagram illustrating an example computing environment in which one or more embodiments disclosed herein may be implemented.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected," but also the case where it is "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, this does not mean excluding other components unless specifically stated to the contrary, but may further include other components, and one or more other features. It should be understood that it does not exclude in advance the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

The terms "about", "substantially", etc. used throughout the specification are used to mean at or close to that value when manufacturing and material tolerances inherent in the stated meaning are presented, and are used to enhance the understanding of the present invention. Precise or absolute figures are used to assist in preventing unscrupulous infringers from taking unfair advantage of stated disclosures. The term “step of” or “step of” as used throughout the specification of the present invention does not mean “step for.”

In this specification, 'part' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more pieces of hardware, and two or more units may be realized using one piece of hardware. Meanwhile, '~ part' is not limited to software or hardware, and '~ part' may be configured to reside in an addressable storage medium or may be configured to reproduce one or more processors. Therefore, as an example, '~ part' refers to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and procedures. , subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The functions provided within the components and 'parts' may be combined into a smaller number of components and 'parts' or may be further separated into additional components and 'parts'. Additionally, components and 'parts' may be implemented to regenerate one or more CPUs within a device or a secure multimedia card.

In this specification, some of the operations or functions described as being performed by a terminal, apparatus, or device may instead be performed on a server connected to the terminal, apparatus, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal mean mapping or matching the terminal's unique number or personal identification information, which is identifying data of the terminal. It can be interpreted as

Hereinafter, based on the attached drawings, a big data-based integrated search platform for customized non-life insurance products and a system supporting the same according to an embodiment of the present invention will be described in more detail.

Figure 1 is a network configuration diagram of a system supporting a big data-based customized non-life insurance product integrated search platform according to an embodiment of the present invention, and Figure 2 is a detailed configuration diagram of the insurance integrated search server shown in Figure 1. Figures 3 to 5 are exemplary diagrams of the execution screen of the integrated search platform for customized non-life insurance products shown in Figure 1.

First, as shown in Figure 1, the system 100 supporting a big data-based non-life insurance product integrated search platform according to an embodiment of the present invention includes a customer terminal 200 and an insurance integrated search server 300. do.

The customer terminal 200 and the insurance integrated search server 300 communicate over a network.

Here, the network refers to a connection structure that allows information exchange between each node, such as a plurality of terminals and servers. Examples of such networks include a local area network (LAN) and a wide area network (WAN). Area Network, Internet (WWW: World Wide Web), wired and wireless data communication network, telephone network, wired and wireless television communication network, etc. Examples of wireless data communication networks include 3G, 4G, 5G, 3rd Generation Partnership Project (3GPP), 5th Generation Partnership Project (5GPP), Long Term Evolution (LTE), World Interoperability for Microwave Access (WIMAX), and Wi-Fi. , Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth network, NFC ( It includes, but is not limited to, Near-Field Communication (Near-Field Communication) network, satellite broadcasting network, analog broadcasting network, and DMB (Digital Multimedia Broadcasting) network.

In the following, the term at least one is defined as a term including singular and plural, and even if the term at least one does not exist, each component may exist in singular or plural, and may mean singular or plural. This should be self-explanatory. In addition, whether each component is provided in singular or plural form may be changed depending on the embodiment.

At least one customer terminal 200 provides information on the type, coverage details, collateral, insurance premiums, etc. of non-life insurance to be subscribed to or changed using a big data-based customer-customized non-life insurance integrated search service-related web page, app page, program, or application. It may be a terminal of a customer who wants to search for information.

Additionally, the customer terminal 200 may be a terminal that receives a recommendation for a non-life insurance product that guarantees coverage details (collateral) among products that can be subscribed to through a big data-based customer-customized non-life insurance integrated search service.

Here, at least one customer terminal 200 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc. At this time, at least one customer terminal 200 may be implemented as a terminal capable of accessing a remote server or terminal through a network. At least one customer terminal 200 is, for example, a wireless communication device that guarantees portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) ) It may include all types of handheld-based wireless communication devices such as terminals, smartphones, smartpads, and tablet PCs.

Next, the insurance integrated search server 300 may be a server that provides a big data-based customized non-life insurance integrated search service web page, app page, program, or application. In addition, the insurance integrated search server 300 may be a server that collects data on underwriting review conditions, non-life insurance product data, etc. from the servers of at least one insurance company affiliated with a big data-based customized non-life insurance integrated service and turns it into a database. .

In addition, the insurance integrated search server 300 extracts insurance products that satisfy the underwriting conditions upon entering customer information, insurance product type, insurance premium, etc. entered from the customer terminal, and registers members from the server of the insurance company that handles the extracted insurance products. It may be a configuration that checks conditions.

In addition, the insurance integrated search server 300 may be a server that allows the customer to sign up for an insurance product at the terminal 200, issues a certificate, and transmits it to the insurance company server 400. Alternatively, depending on the contractual relationship with the insurance company, the insurance company server may be a server that provides an insurance policy to the customer terminal 200 when subscription approval is received after requesting an underwriting review from the insurance company server 400.

Here, the insurance integrated search server 300 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc.

At least one insurance company server may be a server of an insurance company that uses a web page, app page, program, or application related to a big data-based customized non-life insurance integrated search service. At this time, the insurance company server may be a server that provides information regarding underwriting review conditions, etc. when requested by the insurance integrated search server 300 and feeds back the review results when inquiring about subscription through the customer terminal 200. . Whether immediate subscription is possible or whether an underwriting review is required may vary depending on the partnership or contractual relationship between the insurance integrated search server 300 and the insurance company server.

Here, at least one insurance company server may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a navigation system and a web browser, a desktop, a laptop, etc. At this time, at least one insurance company server may be implemented as a terminal that can access a remote server or terminal through a network. At least one insurance company server is, for example, a wireless communication device that guarantees portability and mobility, such as navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), and personal communication system (PHS). Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, It may include all types of handheld wireless communication devices such as smartphones, smartpads, tablet PCs, etc.

Figure 2 is a block diagram showing the detailed configuration of the insurance integrated search server shown in Figure 1.

As shown in Figure 2, the insurance integrated search server 300 includes an input unit 310, a non-life insurance product DB unit 320, a search unit 330, a recommendation unit 340, an update unit 350, and a platform system. May include study (360).

The input unit 310 may be configured to receive subscription data including pre-designated essential information and acquisition-related information from the customer terminal 200.

When the input unit 310 receives subscription data including pre-specified required information and underwriting-related information from the customer terminal 200, the underwriting-related information includes collateral (including the liability of the insurance company requested by the customer terminal 200). This may be data needed when underwriting risk.

Additionally, the input unit 310 may request data from the customer terminal 200 and use a pre-built chatbot when collecting data from the customer terminal 200. Chatbot refers to a robot that communicates with humans based on artificial intelligence, and is an artificial intelligence program that operates with a request and response structure. Chatbots are software that uses a conversational interface to interact with users. They are designed to understand and learn the language of existing users and communicate like humans. Chatbot is a system that aims to communicate with artificial intelligence or robots like a human conversation. Depending on the scope of use, it can be divided into Conversation Agent, Interface Agent, Embodied Conversational Agent, Virtual Companion, and Virtual Assistant.Chatbots The big data analysis technology and artificial intelligence technology used can be broadly divided into five categories as follows. 1) Pattern recognition technology that can recognize and identify voices, letters, and shapes, 2) Natural language processing technology that allows machines to recognize natural language and use it for information search, automatic translation, and question-and-answer purposes, 3) Machines can use the communication between information and resources. These include semantic web technology that enables understanding and processing of relationships and meanings, 4) text mining technology that allows information to be retrieved from text-based data, and 5) context-aware computing technology that can determine the context of a conversation. The methods that chatbots use to process conversations can be broadly classified into three types: search-based methods, rule and pattern-based methods, and generation-based methods.

The search-based method is a method of inferring intent and searching for a given answer to respond, while the rule and pattern-based method is a method of searching and providing an appropriate answer among given rules and patterns. Lastly, the generation-based method is a method that generates and provides appropriate answers based on learned data, and uses a neural network-based automatic translation method or a statistical-based automatic translation method. Meanwhile, if chatbots are classified according to their functions, they can be broadly divided into task-type chatbots and non-task-type chatbots. Task-type chatbots perform specific functions and aim to provide users with the specific information they need, while non-task-type chatbots perform interest-oriented communication and build relationships with users through everyday conversations. The chatbot according to an embodiment of the present invention must receive data for subscription from the user and provide results accordingly, so it is preferable to be implemented as a task-type chatbot.

The non-life insurance product DB unit 320 may be a database of non-life insurance products from insurance companies affiliated with the big data-based customer-customized non-life insurance integrated search service presented by this institute.

The non-life insurance product DB unit 320 may include fire insurance DB, marine insurance DB, automobile insurance DB, surety insurance DB, machinery insurance DB, liability insurance DB, comprehensive insurance DB, long-term savings insurance DB, and other special insurance DB. You can.

For example, fire insurance may cover houses, buildings, warehouses, factories, etc., marine insurance may cover cargo, ships, transportation, etc., and auto insurance may include auto liability insurance, comprehensive auto insurance, fixed-rate insurance, etc. This includes descendant insurance, driver's insurance, foreign currency denominated insurance, etc. Guarantee insurance includes identity guarantee insurance, performance guarantee insurance, installment sales guarantee insurance, tax payment guarantee insurance, payment contract guarantee insurance, and license (認許可). Guarantee insurance, credit card guarantee insurance, etc. are included in this category; machinery insurance includes institutional machinery insurance, assembly insurance, and construction insurance; liability insurance includes liability insurance, workers' compensation liability insurance, etc., and comprehensive insurance. Comprehensive personal property insurance, comprehensive property insurance, etc. apply, long-term savings insurance includes long-term fire insurance, comprehensive household insurance, long-term accident insurance, and long-term welfare insurance, and other specialized insurance includes aviation insurance, accident insurance, group health insurance, etc. This may include theft insurance, glass insurance, animal insurance, and nuclear energy insurance.

The non-life insurance product DB unit 320 can be constructed by converting information about subscription conditions and insurance coverage of each non-life insurance product into a database.

For example, in the case of fire insurance, those subject to subscription can be classified into individuals and companies, and fire insurance products can be stored and registered by categorizing insurance premiums according to the construction period, area, structure, use, number of floors, etc. of the insurance subject.

Meanwhile, the non-life insurance product DB department (320) uses Open API or Scraping API to collect relevant information needed for or to confirm non-life insurance subscription requirements from the public data portal ( www.data.go.kr ) operated in Korea. can do. For example, in the case of fire insurance, certified copies of registers of domestic buildings can be collected.

In order to build big data, the non-life insurance product DB unit 320 refines unstructured data, structured data, and semi-structured data contained in stored raw data, and converts them into metadata. Preprocessing including classification can be performed, and analysis including data mining can be performed on the preprocessed data.

Additionally, information that visualizes the analyzed data can be provided. At this time, data mining involves classification, which explores the inherent relationships between preprocessed data and learns a training data set with a known class to predict the class of new data, or clustering, which groups data based on similarity without class information. Clustering) can be performed. Of course, various other mining methods may exist, and mining may be done differently depending on the type of big data collected and stored or the type of query to be requested later. Big data constructed in this way can be verified through artificial neural network deep learning or machine learning.

At this time, the artificial neural network may use a CNN (Convolutional neural network) structure. CNN is a network structure using convolutional layers and is suitable for image processing, and can classify images based on features within the image by using image data as input. Because you can. Additionally, text mining is a technology aimed at extracting and processing useful information from unstructured/semi-structured text data based on natural language processing technology.

Through text mining technology, meaningful information can be extracted from vast amounts of text, its connections with other information can be identified, and the categories of the text can be identified.

I can obtain results that go beyond simple information search.

Next, the search unit 330 can search the non-life insurance product DB unit 320 for a customized non-life insurance product that matches the desired insurance premium and collateral (Risk) entered at the customer terminal 200.

For example, when the customer wants to search for a perishable one-year home fire insurance that suits him or her on the customer terminal 200, the customer enters the address of the house that is collateral (risk), and the search unit 330 connects to the public API and Search for information on the building structure of the house that is the collateral (risk) and receive search results.

Afterwards, the search unit 330 matches the subscription amount for each step according to the housing area of the house with the regulations of each insurance company's non-life insurance products registered in the non-life insurance product DB to determine each general or long-term insurance suitable or customized for the customer. You can search for home fire insurance products.

At this time, the search unit 330 is so that customers can use it conveniently. It is possible to provide a semantic search-based search engine that allows machines to understand the search conditions used by people.

Next, the recommendation unit 340 may be configured to recommend a customized non-life insurance product to the customer based on required subscription information for each non-life insurance product entered at the customer terminal 200.

The recommendation unit 340 can recommend customized non-life insurance products according to the priorities specified by the customer. For example, if the customer designates the lowest premium among home fire insurance as the highest priority condition, the home fire insurance corresponding to the lowest premium among home fire insurance registered in the non-life insurance product DB section 320 may be recommended.

As another example, if the customer designates insurance coverage benefits as the highest priority among home fire insurance, the home fire insurance with the most coverage benefits among home fire insurance registered in the non-life insurance product DB unit 320 may be recommended.

As another example, if the customer designates two or more conditions as the highest priority among home fire insurance, such as insurance coverage benefits and minimum premium, the recommendation unit 340 selects a number of home fire insurance policies with similar condition values in the non-life insurance product DB section ( After extracting from the non-life insurance products registered in 320), comparing 1:1 or 1:many, extracting the pros and cons of each product, the pros and cons can be scored and provided.

The update unit 350 links with the DB of the affiliated insurance company's server, tracks changes in non-life insurance products collected from the insurance company's server, and when the change is confirmed, requests information about the changed part and requests it. It may be configured to update the non-life insurance product change information fed back in the non-life insurance product DB unit 320. In addition, when a new non-life insurance product is released, the product information of the new non-life insurance product may be provided from the insurance company server and newly registered in the non-life insurance product DB unit 320.

Next, the platform provider 360 may be configured to provide the customized non-life insurance integrated search platform 10 presented herein to the customer terminal 200.

The customized non-life insurance product integrated search platform 10 may include ① a search/inquiry interface, ② a live chatbot interface, ③ a non-life insurance subscription interface, and ④ an insurance premium payment interface.

The search/inquiry interface may be an interface for customers to search and inquire about non-life insurance products available for purchase by type, premium, and collateral of new or changed non-life insurance. The search/inquiry interface may be an interface that provides an insurance terms and conditions site (URL) of an affiliated insurance company. Here, the insurance terms and conditions site (URL) can be provided to customers whose collateral (Risk) has been confirmed.

The live chatbot interface may be an interface that supports a series of processes regarding non-life insurance product subscription requirements, coverage benefit consultation, subscription requests, etc. through voice.

Additionally, the live chatbot interface can be linked to the search/inquiry interface and non-life insurance subscription interface.

Next, the non-life insurance subscription interface receives the information and collateral required to subscribe to the non-life insurance product designated by the customer, receives product subscription and product changes, and then provides customer subscription information to the server of the insurance company that issued the received non-life insurance product. After that, it may be an interface that requests subscription approval from the insurance company server.

Additionally, the non-life insurance subscription interface may be an interface that receives the customer's insurance policy from the insurance company's server and sends the insurance policy to the customer's email.

Next, the insurance premium payment interface may be an interface that has an integrated payment processing function for insurance premiums for non-life insurance products sold by affiliated insurance companies.

The insurance premium payment interface verifies insurance subscription using only the insurance policy number or address number, without the customer's personal information, and once insurance subscription is confirmed, provides a payment method that allows payment of the premium to the insurance company account of the relevant non-life insurance company.

Meanwhile, the customized non-life insurance product integrated search platform described herein may include applications, programs, web pages, etc. installed or run on the customer terminal 200 through a network.

Here, the web browser is a program that allows the use of web (WWW: World Wide Web) services and refers to a program that receives and displays hypertext written in HTML (hyper text mark-up languge), for example, Netscape (Netscape). ), Explorer, Chrome, etc.

Additionally, an application refers to an application on a terminal and includes, for example, an app running on a mobile terminal (smartphone). Apps can be downloaded and installed from the application market, a virtual marketplace where mobile content can be freely bought and sold.

Figure 4 is a flowchart illustrating a method for integrated search and subscription for customer-customized non-life insurance products based on big data according to an embodiment of the present invention.

Referring to FIG. 4, the big data-based customer-customized non-life insurance product integrated search and subscription method (S700) according to an embodiment of the present invention executes the customized non-life insurance product integrated search platform on the customer terminal and then pre-designated required information. Enter subscription data including information and acquisition-related information (S710).

Thereafter, the insurance integrated search server 300 lists at least one non-life insurance product for the type of non-life insurance specified by the customer based on the subscription data entered in step S710 (S720), and then at least one of the listed items When the S730 process of confirming the underwriting possibility and underwriting rate with the server of at least one insurance company selling non-life insurance products (S730) is completed, the non-life insurance product whose underwriting possibility and underwriting rate are confirmed by the customer terminal 200 After providing, if the customer terminal requests to subscribe to insurance for the designated non-life insurance product, after the insurance subscription is approved, the insurance subscription information is provided to the relevant insurance company's server to request issuance of an insurance policy (S740).

By using the big data-based non-life insurance product integrated search platform and the system that supports it according to an embodiment of the present invention, the desired coverage is extracted without directly contacting the insurance company by bypassing the financial institution rather than simply comparing the prices of the selected insurances. It provides the advantage of being able to purchase.

In other words, according to one of the means for solving the problem of the present invention, the collateral (Risk) is analyzed based on the individual's address information, and the insurance underwriting data including the underwriting instructions of the existing insurance company are substituted to determine whether the underwriting is possible and the insurance. Customized insurance products can be provided to users by providing data analysis and matching that presents users with a list of products that are eligible for subscription after checking the conditions and compensation limits, and extracts identical products under the same conditions by simply linking them with the individual insurance company's computer system. Rather, it is possible to match the optimal product to the user's needs and revitalize the non-life insurance market that will bring positive benefits to society as a whole.

Through the above-mentioned advantages, insurance consumers are expected to improve accessibility to desired products, and insurers are expected to improve the growth of the new insurance market (Niche Market) and continue to discover markets for further expansion in the long term. The effect of expanding the overall market for general insurance, which is inactive compared to insurance, can be expected, and the platform operator, as an insurance agent, provides insurtech services in related markets based on commission income and data on owners (contractors) such as accumulated houses. There is an advantage in that it can be expected to play a role as an axis of .

10 is a diagram illustrating an example computing environment in which one or more embodiments disclosed herein may be implemented, and is an illustration of a system 1000 that includes a computing device 1100 configured to implement one or more embodiments described above. shows. For example, computing device 1100 may include a personal computer, server computer, handheld or laptop device, mobile device (mobile phone, PDA, media player, etc.), multiprocessor system, consumer electronics, minicomputer, mainframe computer, Distributed computing environments including any of the above-described systems or devices, etc. are included, but are not limited thereto.

Computing device 1100 may include at least one processing unit 1110 and memory 1120. Here, the processing unit 1110 may include, for example, a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor, an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc. and can have multiple cores. Memory 1120 may be volatile memory (eg, RAM, etc.), non-volatile memory (eg, ROM, flash memory, etc.), or a combination thereof. Additionally, computing device 1100 may include additional storage 1130. Storage 1130 includes, but is not limited to, magnetic storage, optical storage, etc. The storage 1130 may store computer-readable instructions for implementing one or more embodiments disclosed in this specification, and other computer-readable instructions for implementing an operating system, application program, etc. may also be stored. Computer-readable instructions stored in storage 1130 may be loaded into memory 1120 for execution by processing unit 1110. Computing device 1100 may also include input device(s) 1140 and output device(s) 1150.

Here, the input device(s) 1140 may include, for example, a keyboard, mouse, pen, voice input device, touch input device, infrared camera, video input device, or any other input device, etc. Additionally, output device(s) 1150 may include, for example, one or more displays, speakers, printers, or any other output devices. Additionally, the computing device 1100 may use an input device or output device provided in another computing device as the input device(s) 1140 or the output device(s) 1150.

Additionally, computing device 1100 may include communication connection(s) 1160 that allows computing device 1100 to communicate with another device (e.g., computing device 1300).

Here, communication connection(s) 1160 may include a modem, network interface card (NIC), integrated network interface, radio frequency transmitter/receiver, infrared port, USB connection, or other device for connecting computing device 1100 to another computing device. May contain interfaces. Additionally, communication connection(s) 1160 may include a wired connection or a wireless connection. Each component of the computing device 1100 described above may be connected by various interconnections such as buses (e.g., peripheral component interconnect (PCI), USB, firmware (IEEE 1394), optical bus structure, etc.) and may be interconnected by a network 1200. As used herein, terms such as "component", "system", etc. generally refer to computer-related entities that are hardware, a combination of hardware and software, software, or software in execution.

For example, a component may be, but is not limited to, a process running on a processor, a processor, an object, an executable, a thread of execution, a program, and/or a computer. For example, both the application running on the controller and the controller can be components. One or more components may reside within a process and/or thread of execution, and a component may be localized on one computer or distributed between two or more computers.

In the above, the present invention has been described in detail with reference to examples, but those skilled in the art will be able to make various substitutions, additions, and modifications without departing from the technical spirit described above. It is natural, and such modified embodiments should also be understood as falling within the scope of protection of the present invention as defined by the patent claims attached below.

100: A system that supports a big data-based integrated search platform for customized non-life insurance products
200: Customer terminal
300: Insurance integrated search server
310: input unit
320: Non-life insurance product DB department
330: Search unit
340: Recommendation section
350: Update department
360: Platform Provider

Claims (11)

A customer terminal that requests new or changed subscription to a non-life insurance product using a customized non-life insurance product integrated search platform; and
Search and extract at least one non-life insurance product that matches the collateral (Risk) and/or selection presented in the customer terminal and provide it to the customer terminal, and when requested to subscribe to a non-life insurance product from the customer terminal, the non-life insurance product After completing the subscription process, it includes an integrated insurance search server that sends the customer's subscription information to the insurance company's server,
The integrated insurance search server is
An input unit that receives subscription data including pre-designated essential information and acquisition-related information from the customer terminal;
Non-life insurance product DB section constructed by databaseizing non-life insurance products of affiliated insurance companies;
A search unit that searches and extracts customized non-life insurance products that match the collateral and options entered in the customer terminal from the non-life insurance product DB unit;
A recommendation unit that recommends a customized non-life insurance product to the customer based on the required subscription information for each non-life insurance product entered from the customer terminal;
By linking with the database of the insurance company's server, changes in non-life insurance products collected from the insurance company's server are tracked, and when changes are confirmed, information on the changed part is requested, and non-life insurance product change information is fed back upon request. An update unit that updates the non-life insurance product DB unit; and
It includes a platform provider that provides the customized non-life insurance product integrated search platform,
The search section
When the address number required to subscribe to a home fire insurance product is entered from the customer terminal, the subscription amount for each collateral according to the residential area of the address is matched with the policy provisions of each insurance company's non-life insurance products registered in the non-life insurance product database to the customer. We search, extract, and provide home fire insurance products by general (extinctionable premium payment per year) or long-term insurance (premium payment for more than 3 years) that are suitable or customized for you.
The above recommendation section
If the customer terminal designates two or more conditions as the highest priority conditions for subscribing to a non-life insurance product, a number of non-life insurance policies with similar condition values are extracted from the non-life insurance product DB and then compared 1:1 or 1:multiple, After extracting the pros and cons of each product, the pros and cons are scored and provided.
The customized non-life insurance product integrated search platform includes ① search/inquiry interface, ② live chatbot interface, ③ non-life insurance subscription interface, and ④ insurance premium payment interface,
The above ① search/inquiry interface is an interface for customers to search and inquire about non-life insurance products that can be subscribed to by type, premium, and collateral of new or changed non-life insurance, and is an affiliated service provided to customers with confirmed collateral (risk). It is an interface that provides the insurance company’s insurance terms and conditions site (URL),
The ② live chatbot interface above is an interface that supports a series of processes for non-life insurance product subscription requirements, coverage benefit consultation, and subscription requests through voice.
The ③ non-life insurance subscription interface above receives the information and collateral required to subscribe to the non-life insurance product designated by the customer, receives product subscription and product changes, and then provides customer subscription information to the server of the insurance company that issued the received non-life insurance product. Afterwards, it is an interface that requests subscription approval from the insurance company's server, receives the customer's insurance policy from the insurance company's server, and sends the insurance policy to the customer's email,
The above ④ insurance premium payment interface supports the integrated payment processing function for insurance premiums for non-life insurance products sold by affiliated insurance companies, and confirms insurance subscription using only the insurance policy number or address number without the customer's personal information. A system that supports a big data-based integrated search platform for customized non-life insurance products, which is characterized as an interface that provides a payment method that can process insurance premiums into the insurance company account of the corresponding non-life insurance company.
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