KR102649849B1 - Health management apparatus of evaluating a value for healthcare efforts and method for providing discount insurance service using the same - Google Patents

Abstract

A health management device and a method of providing insurance services using the same are disclosed. A health management device according to an embodiment includes a data collection unit that collects personal health data including health checkup result data of an individual who wishes to subscribe to or has subscribed to insurance and exercise data measured according to the individual's exercise, and a data collection unit that collects the collected health data. A data analysis unit that quantifies the individual's health status by analyzing the examination result data and quantifies the individual's health management efforts by analyzing the collected exercise data, and the individual's health management efforts that change the individual's health status values. It includes a service provision department that provides services to discount the insurance premiums of the insurance you wish to subscribe to or the insurance you have subscribed to.

Description

Health management apparatus for quantifying health care efforts and method for providing discount insurance service using the same {Health management apparatus of evaluating a value for healthcare efforts and method for providing discount insurance service using the same}

The present invention relates to a data processing system or method particularly suitable for management, supervisory or forecasting purposes, and more particularly to insurance technology.

In the case of insurance that pays guaranteed expenses according to an individual's disease, it is implemented in only two forms: enrollable and non-enrollable depending on the individual's health status. There is an increase in premiums, but there is no reduction or discount. Insurance is a necessary service to cover the cost of an individual's illness, but no one deliberately creates an illness in order to sign up for insurance and see the costs covered by the insurance as profit and receive coverage. There are many more people who make efforts to lead happy lives without getting sick.

In order to satisfy these social demands, there is an urgent need for realistic and applicable insurance service-related technology that can provide discounts or benefits for those efforts to individuals who continuously make efforts to manage their health to avoid getting sick.

Republic of Korea Patent Publication No. 10-2020-0092161 (published on August 3, 2020)

According to one embodiment, insurance premium rates are differentially applied according to the exercise efforts of the insured, providing the effect of paying lower insurance premiums the more efforts are made on personal health and promoting personal health by encouraging continuous exercise that is easy to give up. Provides health management devices that can be used and methods of providing insurance services using them.

A health management device according to an embodiment includes a data collection unit that collects personal health data including health checkup result data of an individual who wishes to subscribe to or has subscribed to insurance and exercise data measured according to the individual's exercise, and a data collection unit that collects the collected health data. A data analysis unit that quantifies the individual's health status by analyzing the examination result data and quantifies the individual's health management efforts by analyzing the collected exercise data, and the individual's health management efforts that change the individual's health status values. It includes a service provision department that provides services to discount the insurance premiums of the insurance you wish to subscribe to or the insurance you have subscribed to.

The data collection unit may collect the individual's health examination result data from the National Health Insurance Service server, and collect the individual's biometric information and location information sensed by at least one sensor device from the user terminal connected to the sensor device, Terminal data measured in the user terminal itself can be collected from the user terminal.

The data collection department creates a user table for registered users, receives identity verification and consent to use personal information from the user terminal through the consent page, generates an encryption key, and collects health checkup data from the user terminal. After encrypting the collected health checkup data using an encryption key, the encrypted health checkup data can be stored.

The data collection unit generates a random value for encryption key generation based on the SALT value generated when the user registers as a member, generates an encryption key using the generated random value for encryption key generation, and uses the generated encryption key to Since the examination data can be encrypted, there is no need to separately store the encryption key.

Data collection department. Personal health data can be collected according to a preset collection cycle or a collection cycle set by the user through the user terminal.

The data analysis department consists of a health examination analysis department that determines the health status by analyzing the individual's health checkup results, a blood oxygen saturation analysis department that quantifies the health status by analyzing the individual's blood oxygen saturation level, and an individual's heart rate analysis. A heart rate analysis unit that quantifies the health status, a location analysis unit that analyzes the individual's location data to determine the location, and a personal exercise amount by measuring the individual's exercise time, exercise distance, exercise speed, calories used, and exercise intensity. Quantify the individual's exercise intensity and sleep time through a gyroscope sensor, find out the change in exercise amount through an acceleration sensor, find out the individual's sleep time using a gyroscope sensor and smart lens, and exercise using GPS. It may include a momentum analysis unit that determines the distance and height from the ground during exercise.

The data analysis unit can determine health status standards for at least one of obesity, hyperlipidemia, high blood pressure, diabetes, heart disease, stroke, dementia, cancer risk, and death risk according to personal health status values.

The data analysis unit can classify the state into normal state, caution state, warning state, danger state, and high-risk state according to the measured value, and score different scores according to the divided state.

The data analysis unit can assign different weights to each indicator of personal health management effort and add them up.

The momentum analysis unit determines that the vehicle is moving if the moving distance is greater than a preset reference value based on the measured location data and no movement of the gyroscope sensor occurs, and excludes it from the momentum. The difference between the location data collected from multiple GPS sensors is determined by the momentum analysis unit. If is greater than a preset standard value, it is excluded from the exercise amount, and when the location according to the GPS information is unchanged but the heart rate sensor measurement value increases, it can be judged as indoor exercise and included in the exercise amount.

The service provider may compare the personal health care effort numerical value with the similar age-to-average distribution and apply a discount rate when the user subscribes to insurance according to the position of the personal health care effort numerical value in the similar age-to-average distribution.

The service provider may monitor the personal health management effort value during a preset period after signing up for insurance and apply an insurance discount rate or provide a reward according to the degree of increase in the personal health management effort value.

The service provider may apply an insurance discount rate or provide a reward when personal health management data is collected for a preset period after signing up for insurance.

The service provider can analyze the individual's exercise propensity by monitoring personal health management effort values during a preset period after signing up for insurance, and recommend customized insurance according to the analyzed individual's exercise propensity.

A method of providing insurance services according to another embodiment includes the steps of collecting health examination result data of individuals who wish to subscribe to or have subscribed to insurance, analyzing the collected health examination result data to quantify the individual's health status, and A step of collecting exercise data measured according to the person's exercise, a step of quantifying the individual's health management efforts by analyzing the collected exercise data, and a step of quantifying the individual's health management efforts that change the personal health status value. It includes the step of providing a service that discounts the insurance premiums of insurance or subscribed insurance.

First, the health management device and the method of providing insurance services using the same according to an embodiment can drastically reduce health care costs by preventing diseases when they are mild rather than severe.

Second, the personal health status standard value can be used to determine the suitability of insurance subscription and use it as a basis for discounting insurance premiums.

Third, users can endure the inconvenience of signing up for insurance and reduce the hassle of providing personal medical data.

Fourth, because personal health management data can be recorded, it does not disappear for a certain period of time, so users can conveniently transmit medical records to institutions or insurance companies and check past data, so they can make regular efforts to manage their health.

Fifth, since insurance premiums fluctuate depending on the user's health management efforts, it is possible to make people aware of a reasonable method of signing up for insurance. Accordingly, the more you work on your personal health, the lower your insurance premiums will be, and you can improve your personal health by encouraging people to continue exercising, which is easy to give up.

1 is a diagram showing the configuration of a health care system according to an embodiment of the present invention;
Figure 2 is a diagram showing the detailed configuration of the data analysis unit of Figure 1 according to an embodiment of the present invention;
3 is a diagram illustrating a data collection process of a health care device according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating a detailed process of step 309 of FIG. 3 according to an embodiment of the present invention;
Figure 5 is a diagram illustrating a process in which a health management device collects personal health data from a sensor device and a user terminal according to an embodiment of the present invention;
Figure 6 is a diagram illustrating a process (a) and a setting screen (b) for setting the amount and accuracy of data collected when collecting personal health data according to an embodiment of the present invention;
Figure 7 is a diagram illustrating a method of measuring personal health management effort values for each measured value and used sensor according to an embodiment of the present invention;
Figure 8 is a diagram showing personal health status and conversion scores according to measured values according to an embodiment of the present invention;
Figure 9 is a diagram illustrating an example of an insurance premium discount according to personal health management effort when signing up for insurance according to an embodiment of the present invention;
Figure 10 is a diagram illustrating an example of insurance premium discount and reward payment according to personal health management effort after signing up for insurance according to an embodiment of the present invention;
Figure 11 is a diagram illustrating the flow of an insurance service provision method according to an embodiment of the present invention.

The above objects, other objects, features and advantages of the present invention will be easily understood through the following preferred embodiments related to the attached drawings. However, the present invention is not limited to the embodiments described herein and may be embodied in other forms. Rather, the embodiments introduced herein are provided so that the disclosed content will be thorough and complete and so that the spirit of the present invention can be sufficiently conveyed to those skilled in the art.

In this specification, when an element is referred to as being on another element, it means that it may be formed directly on the other element or that a third element may be interposed between them.

In this specification, when terms such as first, second, etc. are used to describe components, these components should not be limited by these terms. These terms are merely used to distinguish one component from another. Embodiments described and illustrated herein also include complementary embodiments thereof.

Additionally, when a first element (or component) is referred to as being operated or executed on (ON) a second element (or component), the first element (or component) means that the second element (or component) is ON. It should be understood as being operated or executed in an environment in which it is operated or executed, or operated or executed through direct or indirect interaction with a second element (or component).

If any element, component, device, or system is said to contain a component consisting of a program or software, even if explicitly stated, that element, component, device, or system is not intended to allow that program or software to run or operate. It should be understood as including hardware (e.g., memory, CPU, etc.) or other programs or software (e.g., operating system or drivers required to run the hardware) required to run the computer.

In addition, unless specifically stated in the implementation of an element (or component), it should be understood that the element (or component) may be implemented in any form of software, hardware, or software and hardware.

Additionally, the terms used in this specification are for describing embodiments and are not intended to limit the present invention. As used herein, singular forms also include plural forms, unless specifically stated otherwise in the context. As used in the specification, 'comprises' and/or 'comprising' does not exclude the presence or addition of one or more other elements.

Hereinafter, in describing the specific embodiments below, various specific details have been written to explain the invention in more detail and to aid understanding. However, a reader with sufficient knowledge in the field to understand the present invention can recognize that it can be used without these various specific details.

In some cases, it is mentioned in advance that when describing the invention, parts that are commonly known but are not significantly related to the invention are not described in order to prevent confusion without any reason in explaining the invention.

Hereinafter, embodiments of the present specification will be described with reference to the attached drawings. A detailed explanation will be given focusing on the parts necessary to understand the operations and functions according to the present specification. While explaining the embodiments of this specification, description will be omitted for technical content that is well known in the technical field to which this specification belongs and that is not directly related to this specification. This is to convey the gist of this specification more clearly without obscuring it by omitting unnecessary explanation.

Additionally, when describing the components of the present specification, different reference numerals may be assigned to components with the same name depending on the drawings, and the same reference numerals may be assigned to different drawings. However, even in this case, it does not mean that the corresponding component has different functions depending on the embodiment or that it has the same function in different embodiments, and the function of each component is different from the corresponding embodiment. The judgment should be made based on the description of each component in .

In this specification, each component indicates that it can be separated functionally and/or logically, and does not necessarily mean that each component is divided into a separate physical device or written in a separate code. The average expert will be able to infer easily.

Additionally, each configuration in this specification may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, it may mean a predetermined code and a logical unit of hardware resources for executing the predetermined code, and does not necessarily mean a physically connected code or one type of hardware. It can be easily inferred by an average expert.

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

Referring to FIG. 1, the health management system 1 includes a sensor device 2, a user terminal 3, a health management device 4, a National Health Insurance Corporation server 5, and an insurance company server 6.

The sensor device 2 is a device equipped with a sensor that can sense the user's biometric information and location information. For example, the sensor device 2 may be a wearable device capable of measuring a specific amount of exercise. Wearable devices may be, for example, smart watches, smart bands, etc. Sensors include blood oxygen saturation sensor, heart rate/ECG sensor, gyroscope sensor, acceleration sensor, smart lens, temperature sensor, and GPS.

The user terminal 3 is a terminal used by the user, and transmits and receives personal health data including information about the health management device 4 and member registration, personal health checkup result data, and exercise data measured according to the individual's exercise. do. A user is an individual who wishes to subscribe to or has subscribed to insurance.

The user terminal 3 may be a smart mobile device capable of loading an app that processes various information for insurance services provided by the health management device 4, or a desktop capable of executing a web page. Smart mobile devices can be smartphones, tablet PCs, etc. The user terminal 3 collects the individual's biometric information and location information sensed by the sensor device 2 through short-range communication (BLE, UWB, Wi-Fi, etc.).

The health management device 4 performs personal health data collection, data analysis and quantification, and results utilization.

In the personal health data collection step, the health management device 4 collects personal health data including personal health checkup result data and exercise data measured according to the individual's exercise.

In the data analysis and quantification stage, the health management device 4 analyzes the collected health examination result data to quantify the individual's health status, and analyzes the collected exercise data to quantify the individual's health management efforts. 'Quantification' can include expressing an individual's health status and health management efforts in numbers, and even scoring the numbers (expressing them as points). 'Health management efforts' refers to the effort an individual makes to manage their health through exercise to prevent them from getting sick. It quantifies the individual's exercise time, exercise distance, exercise speed, location information, etc., and a large number means a lot of effort. It can be said that it was done.

In the result utilization stage, the health management device 4 provides a service of discounting insurance premiums for an individual's insurance or subscribed insurance using personal health management effort values that change personal health status values. In other words, if an individual has worked hard to avoid getting sick, the premium will be discounted or compensated accordingly when signing up for insurance. At this time, the insurance discount rate increases as personal health management efforts increase through exercise or as health status scores improve.

Hereinafter, the configuration of the health care device 4 having the above-described features will be described later.

The health management device 4 according to one embodiment includes a data collection unit 40, a data analysis unit 42, a service provision unit 44, and a storage unit 46.

The data collection unit 40 collects personal health data including personal health checkup result data and exercise data measured according to the individual's exercise. Personal health checkup result data can be collected from the user terminal (3) or the National Health Insurance Service server (5).

Exercise data can be collected by the health management device 4 from the user terminal 3. Exercise data includes, for example, blood oxygen saturation, exercise time, exercise distance, exercise speed, calories used, exercise intensity, number of steps per day, heart rate, body temperature, sleep time, stress level, continuation of exercise, etc. .

The data analysis unit 42 can quantify the individual's health status by analyzing the health examination result data collected through the data collection unit 40. For example, the data analysis unit 42 analyzes past diseases and examination results from health examination result data, and analyzes nine key data. The 9 major data include obesity, hyperlipidemia, high blood pressure, diabetes, heart disease, stroke, dementia, cancer risk, and death risk according to the individual's health status, and the data analysis department (42) determines the health status standards for the 9 major data. judge. The data analysis unit 42 can quantify the individual's health status by preset units (eg, daily, weekly, monthly) and assign different weights to each item.

The data analysis unit 42 analyzes the exercise data collected through the data collection unit 40 and quantifies the individual's health management efforts. For example, the data analysis unit 42 analyzes the blood oxygen saturation sensing value to quantify the blood oxygen saturation, analyzes the heart rate and stress index to quantify the heart rate, and calculates exercise time, exercise distance, exercise speed, and used data. The amount of exercise can be quantified by analyzing the measured values of calories and exercise intensity.

Individuals can make efforts to increase their health status through health management efforts. Health management efforts are when an individual engages in exercise or activity that corresponds to health management efforts, the activity can be converted into a number called health management efforts, and the standard health status value obtained through the details of health checkup results can be changed to increase or decrease. .

In one embodiment, the user's movements are recorded through sensors such as a gyroscope sensor, blood oxygen saturation sensor, acceleration sensor, and heart rate sensor, and the movement distance, amount of exercise, calories burned, heart rate, and oxygen saturation of the activity are recorded. , exercise time, intensity, etc. are analyzed using a system algorithm to express and quantify the daily exercise amount, weekly exercise amount, and monthly exercise amount as statistics. At this time, the amount of exercise is provided as a basis for discount when signing up for insurance.

The data analysis unit 42 can classify a normal state, a cautionary state, a warning state, a dangerous state, and a high-risk state according to measured values, and score different scores according to the classified states. For example, depending on the blood oxygen saturation measurement value, 20 points can be assigned if it is in the normal range, 18 points if it is in a hypoxia caution state, 16 points if it is in a state of respiratory difficulty due to hypoxia, and 14 points if it is in a very severe hypoxia state.

The data analysis unit 42 may assign different weights to each indicator of personal health management efforts (blood oxygen saturation, amount of exercise, heart rate, health checkup results, etc.) and add them up.

The service provision unit 44 provides a service that discounts insurance premiums for individual insurance or subscribed insurance using personal health management effort values that change personal health status values. The service provider 44 may be linked with the insurance company server 6 to obtain insurance-related information.

The service provision unit 44 may compare the personal health care effort numerical value with the similar age-to-average distribution and apply a discount rate when the user subscribes to insurance according to the position of the personal health care effort numerical value in the similar age-to-average distribution. there is. For example, if an individual is in his 40s, the numerical value of personal health management effort is compared with the average distribution of people in their 40s, and if the numerical value of personal health management effort is more than 90% of the average distribution of people in their 40s, a 10% discount rate is applied when signing up for insurance. And, if it is 80% or more and 90% or less, a discount rate of 8% can be differentially applied.

The service provision unit 44 according to one embodiment monitors the personal health management effort value during a preset period (e.g., quarterly, half-yearly, yearly, life transition cycle, etc.) after signing up for insurance and monitors the personal health management effort value. Depending on the level of increase, an insurance discount rate is applied or a reward is provided. For example, if the score increases by 10% or 10 points or more during a certain period after signing up for insurance, an insurance discount rate of 5% is applied, and if the score increases by 8% or 8 points or more, an insurance discount rate of 4% is applied.

The service provider 44 according to one embodiment may apply an insurance discount rate or provide a reward when personal health management data is collected for a preset period after signing up for insurance. For example, if personal health management data is collected for more than one year, rewards such as commemorative coupons or gift certificates can be provided to the user.

The service provider 44 according to one embodiment may analyze the individual's exercise propensity by monitoring the personal health management effort numerical value for a preset period after signing up for insurance, and recommend customized insurance according to the analyzed individual's exercise propensity. .

The storage unit 46 is configured to store information on the health management device 4, and the information includes various information such as products provided to the user terminal 3, information on member registration, information on insurance product contracts, and exercise volume. Includes analysis information, mileage information, etc.

The National Health Insurance Corporation server (5) provides the user's lifetime health checkup data to the health management device (4).

FIG. 2 is a diagram illustrating the detailed configuration of the data analysis unit of FIG. 1 according to an embodiment of the present invention.

Referring to FIG. 2, the data analysis unit 42 includes a health checkup analysis unit 421, a blood oxygen saturation analysis unit 422, a heart rate analysis unit 423, a position analysis unit 424, and a momentum analysis unit 425. ) includes.

The health checkup analysis unit 421 analyzes the individual's health checkup results and quantifies the individual's health status. The quantified health checkup status is compared with the individual's health management effort level and serves as a standard for confirming the individual's level of health management effort. The health checkup analysis unit 421 according to one embodiment determines whether there is a history of a disease causing ineligibility for insurance subscription in the health checkup result data and when there is no reason for disqualification, and analyzes and stores the determined data. If there is no disease in the individual's health checkup results, the health status is confirmed and quantified. At this time, if there is no disease on the health check-up, but the patient has high blood pressure, obesity, excessive drinking, or high blood sugar level, it can be determined that the likelihood of developing the disease is high. Analyze the reasons and quantify the standard of health status.

The blood oxygen saturation analysis unit 422 quantifies the individual's health status by analyzing the blood oxygen saturation level. For example, if the oxygen saturation level is 95-100%, it is judged to be in a normal state, and the score corresponding to the normal state is scored. Oxygen saturation refers to the binding ratio between oxygen and hemoglobin and indicates the oxygen concentration in the blood.

The heart rate analysis unit 423 quantifies the health status by analyzing the individual's heart rate. For example, the heart rate analysis unit 423 determines that an adult's standard heart rate is 60 to 100 beats per minute and is in a normal state, and scores a score corresponding to the normal state. The heart rate sensor uses a single green LED, but it can also be used to analyze blood oxygen saturation by adding an infrared LED and measuring the amount of infrared reflection.

The location analysis unit 424 determines the location by analyzing the location data measurement value. GPS can be used for location analysis. Location information that can be obtained through GPS consists of longitude, latitude, and elevation (height above sea level). Additionally, you can obtain accurate time information. In other words, the distance of exercise and the height from the ground during exercise can be known, making it possible to measure exercise by subdividing it into walking, running, and climbing uphill.

The exercise quantity analysis unit 425 quantifies the exercise quantity by combining the individual's exercise time, exercise distance, exercise speed, calories used, and exercise intensity.

The exercise quantity analysis unit 425 can determine the individual's exercise intensity or sleep time through a gyroscope sensor. The intensity of exercise and the amount of calories used are different when walking on flat ground and when walking on an incline. In this case, the objective momentum, intensity of exercise, and number of movements can be measured. In addition, the momentum analysis unit 425 can capture movement through a gyroscope sensor, so it can determine whether the individual is in a stable sleep state by determining whether there is movement (tossing and turning) while sleeping.

The momentum analysis unit 425 can quantify the exercise state by measuring changes in momentum (impulse) using an acceleration sensor. The basic function of an acceleration sensor is to capture and measure movement, but the operation and use are different depending on the measurement situation. In the case of a gyroscope, it is a sensor for measuring angular velocity, and an acceleration sensor is a sensor that provides numerical information on the speed increase/decrease ratio per unit time in a straight line. The two sensors are complementary devices and must be used together to maximize utilization.

The exercise quantity analysis unit 425 uses GPS to determine the exercise distance and the height from the ground during exercise, thereby enabling analysis by segmenting the individual's exercise into walking, running, uphill climbing, etc.

Figure 3 is a diagram illustrating a data collection process of a health management device according to an embodiment of the present invention.

Referring to FIG. 3, the user terminal 3 connects to the health management device 4 and applies for membership by entering ID and PW (301). Then, the health management device 4 creates a user table for the member in question (302) and provides a personal information use consent page to the user terminal 3 (303), and the user terminal 3 displays a personal information use consent page. Perform identity verification and consent to use personal information through (304). When identity verification and consent to use personal information are performed, the health management device 4 generates an encryption key (305), requests the user terminal 3 for the health checkup results (306), and then determines that the user terminal 3 is in good health. When the checkup results are uploaded to the health management device 4 (307), the health checkup data is encrypted using an encryption key and the encrypted health checkup data is stored (308). The step 309 including the member table creation step 302, the encryption key generation step 305, and the health examination data encryption step 308 will be described in more detail later with reference to FIG. 4.

Subsequently, the health management device 4 requests the user terminal 3 for an electronic signature for linkage with the National Health Insurance Service (310), receives the electronic signature (public certificate, etc.) through the user terminal 3, and then (311) provides health information. Request the examination results to the National Health Insurance Service server (5) (312). At this time, the digital signature value and personal verification identifier can be transmitted together. After confirming the electronic signature value and the personal verification identifier, the National Health Insurance Corporation server (5) transmits the examination result data to the health management device (4) (312), and the health management device (4) receives it from the National Health Insurance Corporation server (5). Encrypt the checkup result data and add the data (314). Finally, the health management device 4 reports completion of data collection to the user terminal 3 (315).

In FIG. 3, the database 7 is separated from the health care device 4. As shown in FIG. 1, an embodiment in which the storage unit 46 is located within the health care device 4 is also possible.

FIG. 4 is a diagram illustrating the detailed process of step 309 of FIG. 3 according to an embodiment of the present invention.

Referring to Figures 3 and 4, the health management device 4 creates a user table 404 after completing the user's membership registration (401) (402). At this time, the generated user table 404 includes User_name (user name), User_birthday (user date of birth), and encryption key_slat (random value for generating encryption key).

Next, the health management device 4 calculates and generates encryption and decryption key values based on the SALT value generated upon membership registration (403). For example, a random value (hash value) for generating an encryption key is generated using a predetermined algorithm (e.g., KDF, key derivation function algorithm) based on the SALT value for each user. At this time, the random value (hash value) for generating the encryption key is, for example, user00001111_20221109234516.

Next, the health management device 4 generates an encryption key by inputting a random value (hash value) for generating the encryption key. For example, the hash performance result, 72AE25495A7981C40622D49F9A52E4F1565C90F048F59027BD9C8C8900D5C3D8, is generated as the encryption key. The health management device 4 generates an encryption key and encrypts the collected data using the generated encryption key, so there is no need to store a separate encryption key.

The health management device 4 can encrypt the collected data using an encryption key and then store it. For example, if the collected data is blood oxygen saturation information, the user table 405 includes Oxyzen_satulation (oxygen saturation), Oxyzen_satulaion date (measurement time), etc. In the case of Oxyzen_satulation (oxygen saturation), encryption is essential. , The health management device 4 encrypts Oxyzen_satulation (oxygen saturation) data using an encryption key.

Next, when decrypting the collected data, the health management device 4 generates a decryption key using the same predetermined algorithm (for example, KDF algorithm) used when encrypting the data, and then collects the data using the generated decryption key. Data can be decrypted. The algorithm (for example, KDF algorithm) is protected in software through WBC (White Box Cryptography) and obfuscation. In other words, the health management device 4 does not separately store the encryption key for encrypting key data and the decryption key for decryption, but can calculate and use the encryption key and decryption key according to a predefined algorithm whenever necessary.

Figure 5 is a diagram illustrating a process in which a health management device collects personal health data from a sensor device and a user terminal according to an embodiment of the present invention.

The health management device 4 can collect the individual's biometric information and location information sensed by the sensor device 2 from the user terminal 3 connected to the corresponding sensor device 2, and receive information from the user terminal 3 from the user terminal 3. (3) Self-measured terminal data can be collected.

The sensor device 2 is a blood oxygen saturation sensor 21, a wearable device 22, a smart lens 23, a temperature sensor, etc., or is provided with a corresponding sensor. The wearable device 22 is a GPS, heart rate/electrocardiogram sensor, gyroscope sensor, acceleration sensor, or is provided with a corresponding sensor. The user terminal 3 may also be equipped with a GPS, an acceleration sensor, and a gyroscope sensor. The user terminal 3 can measure exercise time, exercise distance, exercise speed, location information, etc. using its own built-in sensor.

The blood oxygen saturation sensor (21) is a sensor used to indirectly determine whether oxygen is properly supplied to our body through the respiratory system by measuring the amount of oxygen in the blood. The health management device (4) is a sensor used to measure the amount of oxygen in the blood, such as respiratory diseases. In the absence of this, oxygen saturation levels above 95% are considered normal.

The blood oxygen saturation sensor 21 generally calculates the blood oxygen saturation by measuring the amount of infrared rays (red) from a ‘light source’ that passes through or is reflected by the finger and reaches the ‘sensor.’ Oxygen saturation refers to the binding ratio between oxygen and hemoglobin and indicates the oxygen concentration in the blood.

It uses the principle that the degree of red color of hemoglobin in blood vessels varies depending on the amount of oxygen bound to it, and the wavelength of external light absorbed and reflected varies accordingly. Hemoglobin is a pigment protein contained in the blood that binds to oxygen and transports oxygen throughout the body.

The health management device 4 according to one embodiment calculates and stores the individual's health status value measured through the blood oxygen saturation sensor 21.

A heart rate/electrocardiogram sensor measures heart rate. Heart rate varies greatly depending on the age of the subject being measured. The heart rate sensor shines an LED light on the fingertip and measures the light reflected from it. When the heart beats and blood flows to the fingertips, light is absorbed by the blood cells, so the sensitivity of the light reflected and measured decreases, and the resistance value changes accordingly, so the flowing voltage also changes. This voltage change is amplified and recognized as a pulse and recognized as a heartbeat. Typically, low-cost heart rate sensors use a single green LED, but they can also be used to measure blood oxygen saturation by adding an infrared LED and measuring the amount of infrared reflection. In other words, the sensor for measuring blood oxygen saturation and the sensor for measuring heart/electrocardiogram can use the same model.

An example of the principle of a gyroscope sensor is a spinning top. When a top rotates, its axis of rotation is always maintained in a direction perpendicular to the ground. Similarly, a gyro sensor also has an axis that remains constant during rotation, allowing it to measure the tilt of an object.

A gyro sensor is also called an ‘angular velocity sensor’ because it is a sensor that uses the value of angular velocity, which is the rotational speed of an object. Angular velocity can be calculated by converting the Coriolis Force that occurs when an object rotates into an electrical signal. Coriolis force refers to a force that is proportional to the speed of a moving object and perpendicular to the direction of movement.

The intensity of exercise or sleep time can be measured using a gyroscope sensor. For example, the intensity of exercise and the amount of calories used are different when an individual walks on flat ground and when walking on an incline. Therefore, the objective amount of exercise, intensity of movement, and number of movements can be measured using a gyroscope sensor. In addition, since movement can be captured, it is possible to determine whether there is movement (tossing and turning) during sleep and measure whether the sleep was stable.

An acceleration sensor is a sensor that measures changes in speed (acceleration) or change in momentum (impact) of an object, and can detect the state of motion of an object in detail. The basic function of an acceleration sensor in measurement is to capture and measure movement, but the operation and use are different depending on the measurement situation. In the case of a gyroscope, it is a sensor for measuring angular velocity, and an acceleration sensor is a sensor that provides numerical information on the speed increase/decrease ratio per unit time in a straight line. The two sensors are complementary devices and must be used together to maximize utilization.

The smart lens 23 provides data values obtained by analyzing information such as image information, color information, object name, location information, and motion information obtained using a camera lens using visual analysis technology (visual deep learning). The information obtained through the camera lens and the information obtained through visual analysis technology are combined and are called smart lenses. Representative smart lens technologies include autonomous driving, facial recognition technology, color classification technology, omni search, and behavioral learning technology.

The temperature sensor is measured using the basic functions installed in the blood oxygen saturation sensor and heart rate/ECG sensor. Changes in body temperature within 24 hours are detected and recorded through a temperature sensor, and cases where abnormal body temperature persists are recorded.

GPS (Global positioning system) is a system that allows you to accurately determine your location using satellites anywhere in the world. The location information that can be found consists of longitude, latitude, and elevation (height above sea level). Additionally, you can obtain accurate time information. In other words, you can know the distance of exercise and the height from the ground during exercise, so it is possible to measure exercise by subdividing it into walking, running, and climbing uphill.

Figure 6 is a diagram illustrating a process (a) and a setting screen (b) for setting the amount and accuracy of data collected when collecting personal health data according to an embodiment of the present invention.

Referring to FIG. 6, the user terminal 3 may periodically transmit personal health data to the health management device 4 through an app. The data transmission period may be set in advance to a default value, for example, 10 minutes (601). The user can set the data collection cycle through the user terminal 3 (602). The data collection cycle setting screen is as shown in (b) of FIG. 6. The collection cycle can be divided into minimum (1 minute), 5 minutes, 10 minutes, 30 minutes, 1 hour, 1 day, 1 week, and manually set. The shorter the collection cycle, the higher the accuracy.

Next, the user terminal 3 transmits the user setting value to the health management device 4 (603), and the health management device 4 stores the user setting value in the DB (604). Next, the health management device 4 transmits the collection cycle setting result to the user terminal 3 (605). Accordingly, the user terminal 3 transmits personal health data to the health management device 4 according to the collection cycle set by the user (606).

Figure 7 is a diagram illustrating a method of measuring personal health management effort values for each measured value and used sensor according to an embodiment of the present invention.

Referring to FIGS. 2 and 7 , an individual's blood oxygen saturation level is measured using a blood oxygen saturation sensor, and the blood oxygen saturation analysis unit 421 analyzes the blood oxygen saturation level to quantify the individual's health status.

An individual's exercise time is measured through a gyroscope and acceleration sensor, exercise distance is measured through GPS, exercise speed and calories used are measured through a gyroscope, acceleration sensor, and GPS, and exercise intensity is measured through a gyroscope, acceleration sensor, and GPS. It is measured through GPS and heart rate sensors, and the number of daily steps is measured through gyroscope, acceleration sensor, and GPS. Exercise time, exercise distance, exercise speed, calories used, exercise intensity, and number of steps per day are analyzed through the exercise amount analysis unit 425, location analysis unit 424, and health checkup analysis unit 421.

Heart rate is measured using a heart rate/electrocardiogram sensor, and the heart rate analysis unit 423 analyzes the individual's heart rate to quantify the individual's health status.

Body temperature is measured using a blood oxygen saturation sensor and a heart rate/electrocardiogram sensor, and the blood oxygen saturation analysis unit 421 analyzes the body temperature to quantify the individual's health status.

Sleep time is measured through a gyroscope and smart lens, and the location analysis unit 424 and face recognition unit analyze it to quantify the individual's health status.

The stress index is measured through a blood oxygen saturation sensor, heart rate/ECG sensor, and smart lens, and is analyzed by the heart rate analysis unit 423, face recognition unit, and blood oxygen saturation analysis unit 421 to quantify the individual's health status. .

The continued state of exercise is measured through a gyroscope, acceleration sensor, and GPS, and analyzed by the momentum analysis unit 425 to quantify the individual's exercise effort.

Different weights may be assigned to blood oxygen saturation, amount of exercise, heart rate, body temperature, sleep time, stress index, and duration of exercise.

The health management device 4 can quantify an individual's health efforts by analyzing the collected data periodically (daily, weekly, monthly).

Figure 8 is a diagram showing personal health status and conversion scores according to measured values according to an embodiment of the present invention.

Referring to Figures 2 and 8, the blood oxygen saturation analysis unit 422 distinguishes the user's personal health status (normal range, hypoxia caution state, level indicating difficulty breathing due to hypoxia, very severe hypoxia) according to the oxygen saturation level. You can. Furthermore, personal health status can be scored as a converted score according to blood oxygen saturation level.

When the heart rate analysis unit 423 measures the heart rate, it can determine the user's personal health status by comparing it with the normal heart rate for each user's age. Furthermore, an individual's health status can be scored based on heart rate values using a converted score.

If the moving distance is greater than a preset reference value based on the measured position data and no movement of the gyroscope sensor occurs, the momentum analysis unit 425 may determine that the vehicle is moving and exclude it from the momentum. Additionally, if the difference between location data collected from a plurality of GPS sensors is greater than a preset reference value, it can be excluded from the exercise amount. In comparison, when the location according to the GPS information is constant but the heart rate sensor measurement value increases, it can be judged as indoor exercise and included in the exercise amount.

Figure 9 is a diagram illustrating an example of an insurance premium discount according to personal health management effort when signing up for insurance according to an embodiment of the present invention.

1 and 9, the service provider 44 compares the personal health care effort numerical value with the similar age-to-average distribution, and determines the user's personal health care effort numerical value according to the position of the personal health care effort numerical value in the similar age-to-average distribution. A discount rate is applied when signing up for insurance. For example, if an individual is in his 40s, the numerical value of personal health management effort is compared with the average distribution of people in their 40s, and if the numerical value of personal health management effort is more than 90% of the average distribution of people in their 40s, a 10% discount rate is applied to the insurance premium when signing up for insurance. is applied, and a discount rate of 8% can be differentially applied to the insurance premium if it is 80% or more and 90% or less.

Figure 10 is a diagram illustrating an example of insurance premium discount and reward payment according to personal health management effort after signing up for insurance according to an embodiment of the present invention.

Referring to FIGS. 1 and 10, the service provider 44 monitors the personal health management effort value during a preset period after signing up for insurance and applies an insurance discount rate or provides a reward according to the degree of increase in the personal health management effort value. can do. For example, if the personal health management effort value increases by more than 10% or 10 points, an insurance discount rate of 5% is applied, and if the personal health management effort value increases by more than 8% or 8 points, an insurance discount rate of 4% is applied. do.

Furthermore, the service provision unit 44 may apply an insurance discount rate or provide a reward (e.g., commemorative coupon, gift certificate) when personal health management data is collected for a preset period (e.g., 1 year) after signing up for insurance. You can.

Figure 11 is a diagram illustrating the flow of an insurance service provision method according to an embodiment of the present invention.

Referring to Figures 1 and 11, the health management device 4 collects (1110) health examination result data of an individual who wishes to subscribe to or has subscribed to insurance, and analyzes the collected health examination result data to determine the individual's health status. Quantify it (1120).

Next, the health management device 4 collects exercise data measured according to the individual's exercise (1130) and analyzes the collected exercise data to quantify the individual's health management efforts (1140).

Next, the health management device 4 provides a service that discounts the insurance premium for the insurance that the individual wants to subscribe to or the insurance that the individual has subscribed to according to the personal health management effort that changes the personal health status value (1150).

So far, the present invention has been examined focusing on its embodiments. A person skilled in the art to which the present invention pertains will understand that the present invention may be implemented in a modified form without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments should be considered from an illustrative rather than a restrictive perspective. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within the equivalent scope should be construed as being included in the present invention.

1: Health management system
2: Sensor device
3: User terminal
4: Health care device
5: Medical Insurance Corporation server
6: Insurance company server
40: data collection unit
42: Data analysis unit
44: Service provision department
46: storage unit
421: Health checkup analysis department
422: Blood oxygen saturation analysis unit
423: Heartbeat analysis unit
424: Location analysis unit
425: Momentum analysis unit

Claims (15)

A data collection unit that collects personal health data including health checkup result data of individuals who wish to subscribe to or have subscribed to insurance and exercise data measured according to the individual's exercise, and encrypts data that requires encryption among the collected personal health data;
A data analysis unit that quantifies the individual's health status by analyzing the collected health checkup result data and quantifies the individual's health management efforts by analyzing the collected exercise data; and
A service provision department that discounts the insurance premiums of the insurance that the individual wants to subscribe to or the insurance that the individual has subscribed to and provides rewards including commemorative coupons or gift certificates according to the personal health management effort that changes the personal health status value; Includes,
The data collection unit,
Create a user table for registered users, obtain identity verification and consent to use personal information from the user terminal through the personal information use consent page, generate an encryption key, and collect health checkup data from the user terminal. After encrypting the data using an encryption key, the encrypted health check-up data is stored. A random value for generating the encryption key is generated based on the SALT value generated when the user registers as a member, and the generated random value is used to generate the encryption key. generates an encryption key, and encrypts the health examination data using the generated encryption key, so there is no need to store the encryption key separately.
The data analysis unit,
A health checkup analysis department that analyzes the individual's health checkup results to determine health status;
A blood oxygen saturation analysis unit that quantifies the health status by analyzing the individual's blood oxygen saturation level;
A heart rate analysis unit that quantifies health status by analyzing an individual's heart rate;
A location analysis unit that analyzes individual location data to determine location; and
Quantify the amount of personal exercise by measuring the individual's exercise time, exercise distance, exercise speed, calories used, and exercise intensity. The individual's exercise intensity and sleep time are determined through a gyroscope sensor, and changes in exercise amount are determined through an acceleration sensor. Including a momentum analysis unit that uses a gyroscope sensor and smart lens to determine an individual's sleep time, and uses GPS to determine exercise distance and height from the ground during exercise, blood oxygen saturation, exercise volume, heart rate, and Different weights are assigned to each indicator of personal health management efforts, including health checkup results, and are added up.
The service provider department,
When personal health data is collected for a preset period after signing up for insurance, an insurance discount rate is applied according to the collection period of personal health data and rewards including commemorative coupons or gift certificates are provided.
A health management device that monitors personal health management effort values for a preset period after signing up for insurance, analyzes an individual's exercise tendencies, and recommends customized insurance according to the analyzed individual exercise tendencies.
The method of claim 1, wherein the data collection unit
Collects personal health checkup result data from the National Health Insurance Service server,
Personal biometric information and location information sensed by at least one sensor device are collected from a user terminal connected to the sensor device,
A health management device characterized in that it collects terminal data measured in the user terminal itself from the user terminal.
delete delete The method of claim 1, wherein the data collection unit
A health care device that collects personal health data according to a preset collection cycle or a collection cycle set by a user through a user terminal.
delete The method of claim 1, wherein the data analysis unit
A health management device characterized in that it determines health status standards for at least one of obesity, hyperlipidemia, high blood pressure, diabetes, heart disease, stroke, dementia, cancer risk, and death risk according to personal health status values.
The method of claim 1, wherein the data analysis unit
A health management device that divides into normal state, caution state, warning state, dangerous state, and high-risk state according to measured values, and scores different scores depending on the classified state. delete The method of claim 1, wherein the momentum analysis unit
Based on the measured position data, if the moving distance is greater than the preset standard value and no movement of the gyroscope sensor occurs, it is judged as vehicle movement and excluded from the momentum.
If the difference between location data collected from multiple GPS sensors is greater than a preset reference value, it is excluded from the exercise amount.
A health management device that determines indoor exercise and includes it in the amount of exercise when the location is unchanged according to GPS information but the heart rate sensor measurement value increases.
According to claim 1, the service provision department
A health care device that compares the personal health care effort numerical value with a similar age-to-average distribution and applies a discount rate when the user subscribes to insurance according to the position of the personal health care effort numerical value in the similar age-to-average distribution.
According to claim 1, the service provision department
A health management device that monitors personal health management effort values during a preset period after signing up for insurance and applies an insurance discount rate or provides rewards according to the degree of increase in personal health management effort values.
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