KR20030079356A - Protection System and Method of Cyber Assets - Google Patents

Abstract

PURPOSE: A cyber property protection system and a method for the same are provided to efficiently manage the cyber property such as online game items, characters and milage, and to compensate for damaged cyber property via an insurance service if the cyber property is damaged by a hacking or a network error. CONSTITUTION: The system comprises a cyber property management server(100), an insurance approval module(201), a database(202), a monitoring module(203), an accident acceptance module(204), a preferred compensation request module(205), an insurance accidence processing module(206), and a notification module(207). The cyber property management server(100) enables a customer to subscribe for a cyber property insurance, and to manage the cyber property of the customer. The insurance approval module(201) approves the insurance subscription of the customer, and requests the data on the customer including the cyber property. The database(202) stores the data on the customer and the cyber property. The monitoring module(203) monitors a change of the subscribed cyber property. The accident acceptance module(204) enables the customer to file the cyber property accident. The preferred compensation request module(205) enables the customer to request that the damaged cyber property should be restored to a state prior to the accident. The insurance accident processing module(206) receives the preferred compensation request from the module(205), and precisely analyzes the accident. The notification module(207) notifies the precise analysis result.

Description

Protection System and Method of Cyber Assets

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cyber asset protection method and system for protecting cyber assets made in cyberspace, and more particularly, to personal items acquired through online games, character assets secured or purchased through internet character services, and various Internet services. The present invention relates to a cyber asset protection method and system for efficiently managing cyber assets such as mileage points or earn points, and to protect customers' cyber assets caused by hacking or network errors through insurance products.

Due to the rapid development of network infrastructure, the number of Internet users and Internet service providers is increasing rapidly, and various types of cyber assets are generated and provided to the Internet users. Beyond the concept of virtual assets, it has been recognized as the value of real assets, which causes various side effects.

Representative cyber assets include personal property such as game items, game money, and game accounts acquired according to the winning or losing of games in online games using the Internet; Personal property such as characters and character money secured or purchased through character services provided through the Internet; There are personal property, such as cyber money, which is paid in the cyber and can only be used in the cyber, and mileage points that are visited or used through various service providing sites.

In addition, through the various types of services to be provided, personal assets to be used in cyberspace will be more diversified in type and amount.

However, unlike the real assets, the above-mentioned cyber assets do not have an institutional mechanism for systematic management and protection, but they are managed and operated through the service provider who issues and pays each cyber asset and its service providing system. As a result, the protection of individual cyber assets is entirely dependent on the level of security of the service systems of users and service providers. In particular, in the case of game items are being voiced at high prices in the real world, and the fact that the customer is missing items by hacking, etc., the protection measures are urgently required.

As an example, a game company that provides online game services through the Internet, recruits paid members to use its game service, assigns a game account, and uses the assigned account to acquire game items acquired as the game proceeds. The information is stored and managed by the customer ID along with the customer's information.

In the event of a system problem or intentional theft of a company that issues cyber assets, the account and items of the customer who reported the accident may be recovered at random, or commissioned by an online cyber crime agency. Assets are recovered if they are not intentional.

However, as described above, if the customer recovers the cyber assets free of charge, there is no objective judgment criteria for accidents that are subject to loss compensation (recovery), resulting in complaints from other customers. Problems can be raised, and if a problem is asked to restore to the outside agency after restoration, it takes a certain time to meet the complaints of customers who lost their assets during that period.

As a result, companies that issue cyber assets and provide various services to manage them can introduce and install their own security systems to solve hacking or communication problems, or provide management personnel for system maintenance and upgrades. I am trying to solve the problem by deploying additional.

However, if the additional security system is introduced as described above, the cost of the management system is increased, and the addition of management personnel for maintenance and upgrade also incurs additional costs. Difficulties are occurring.

In addition, in the case of self-recovery of the loss of assets caused by individuals despite security or maintenance, it may cause dissatisfaction with the equity of other customers, and if restoration is delayed, request for restoration by unrecovered persons There was also a problem that this rush could lead to paralysis.

In order to solve the above problems, the present invention is directed to a cyber asset issuing server of a cyber asset issuing server and a customer subscribed to the cyber asset issuing company that provides the subscribed customers to pay for the game proceeds and acquire cyber assets. Increasing anxiety about cyber asset accidents is increasing by linking cyber insurance servers that induce the insurance of individual cyber assets and recover the cause of accidents. It aims to minimize complaints and resolve complaints of multiple customers by promptly handling incidents by an objective and neutral cyber insurance system.

In addition, it is another object to provide customers with objectivity and reliability for compensation of cyber asset accidents by first making compensation through insurance products in the event of an accident.

In addition, by providing a monitoring function for the personal property to the insurance system, it is intended to block negative and illegal transactions in advance by notifying the customer and the cyber asset issuer about an unjustified increase or loss of the asset.

In order to achieve the above object, the present invention provides a cyber asset issuing server that provides a service for acquiring cyber assets, and checks whether the provided assets are insured and recruits subscribers who wish to be insured; A terminal of a customer who is subscribed to the cyber asset issuing system, acquires a cyber asset, and requests insurance subscription for the acquired cyber asset; Approving the insurance of the customers who requested the insurance for the cyber assets, cyber asset protection including an insurance server for receiving the real-time information of the approved customers in a database, and handling the incident when the customer receives an accident It features a system.

In addition, in the cyber asset protection system, a step of requesting insurance by a customer for a personal cyber asset, transmitting information of the customers who requested the insurance to an insurance server and requesting insurance approval, and the approval request. Approving insurance and settlement of premiums for the approved customers, and the insurance insurance step comprising the step of storing the cyber assets of the approved customers in a database in real time; Receiving an accident when an accident occurs on the customer's cyber assets after the insurance subscription, searching the database of the received customer for the accident, and requesting priority compensation to the service providing server through insurance investigation and basic accident investigation; Priority compensation for incidents including restoration of cyber assets of the requested customer; Conducting a thorough investigation of the loss of assets of the first reimbursed customers, finalizing the insurance processing in the case of an insurance accident as a result of the thorough investigation, and determining invalidity of the reparation if it is not an insurance accident; It is characterized by a method of protection of cyber assets, which includes a stage of investigation, including an insurance process that informs the results of the consequences, recovers recovered cyber assets, and takes other necessary measures such as penalties.

1 is a view showing a schematic relationship of companies for protecting cyber assets according to the present invention.

2 illustrates a cyber asset protection system in accordance with the present invention.

Figure 3 is a view showing a sequence of insurance accident processing using the cyber asset protection system according to the present invention.

<Description of Symbols for Main Parts of Drawings>

10: cyber asset issuer 20: customer

30: cyber insurance company 100: cyber asset issuing server

101: service providing module 102,202: database

200: customer terminal 300: insurance server

201: insurance approval module 203: monitoring module

204: accident reception module 205: priority compensation request module

206: insurance accident processing module 207: processing result notification module

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a cyber insurance company that manages the cyber asset issuer, the customer 20 subscribed to the cyber asset issuer 10 and the insurance of the cyber assets of the customers in the cyber asset protection system and method according to the present invention. The relationship of (30) is shown. The cyber asset issuer 10 includes a wired / wireless game service company that provides game services using a public network such as the Internet and a mobile communication network, a wired / wireless character provider that secures or purchases a character asset through a character service, and a separate There are cyber distributors that accumulate cyber money or mileage through the services of the company, and these companies provide cyber assets to the subscribed customers 20 through a certain amount of service fees or distribution margins. Recruitment of insurers by asking if they have insurance. In addition, the customer is an Internet user who acquires the cyber assets of the cyber asset issuer 10 and pays for the acquisition of the cyber assets and requests insurance for the acquired cyber assets. In addition, the cyber insurance company 30 receives the customer's insurance subscription request to the cyber asset issuer receives the information of the customer, requests the settlement of insurance premiums corresponding to the number of insurance subscribers, and receives the subscriber's asset details in real time.

At this time, if a customer reports an asset accident to a cyber insurer in the event of an accident with his or her cyber assets, the cyber insurer receives the request and first requests a reparation from the cyber asset issuer to restore the reported customer's assets, and then starts a detailed investigation. Investigate the authenticity of insurance accidents, determine the justification for priority compensation, and notify the customer of the result.

Such a series of actions are realized in cyberspace using a public network such as the Internet or a mobile communication network, and for this purpose, the customer must have a terminal 200 capable of using various services; The cyber asset issuer has a cyber asset issuing server 100 for providing a service through a public network such as the Internet, a mobile communication network, and storing and managing the assets of the provided customers; The cyber insurance company approves the insurance of the customers who requested the insurance, receives and stores the customer information and the asset information of the subscribed customers in real time, and the insurance server 300 for receiving and processing the accidents of the insured customers. Has

In more detail, the cyber asset protection system of the present invention manages cyber assets as shown in FIG. 200; A service providing module 101 for providing a service to the subscribed customer terminal and providing cyber assets through the provided service and confirming and requesting insurance coverage for the provided asset; and provided through the service providing module 101 or An asset issuing server 100 comprising a cyber asset database 102 for managing and storing the acquired cyber assets of the customer; An insurance approval module 201 for approving insurance of the insurance request customers and requesting customer information including asset information of customers who have insurance for cyber assets through the service providing module 101; The entire cyber asset protection system for the purpose of protecting the insured customer's cyber assets including the database 202 and the database 202 for receiving and storing the customer information requested and authenticated by the insurance approval module 201 in real time. Asset loss monitoring module 203 for monitoring the accident, the accident reception module 204 for receiving asset accidents of the insured customers, and the loss of assets of the customer caused by the reporting accident received in the accident reception module 204 Priority compensation request module 205 for requesting the service providing module 101 to restore the original state to the asset state before the accident, and the monitoring module 203 for the precise analysis of the accident compensation Insurance accident processing module 206 and the insurance accident processing module (2) for determining the authenticity of insurance accidents or receiving help from outside by receiving a result. It is composed of a cyber insurance server 300 is composed of a processing result notification module 207 for reporting the final result analyzed in 06).

The cyber asset protection method using the cyber asset protection system configured as described above includes the insurance enrollment stage where the cyber asset holder purchases insurance to protect the cyber assets, and the insured customers report and report the accident when an accident occurs on the asset. It can be divided into a priority compensation step that restores assets first through a simple investigation on an incident, and an insurance processing step that performs a final investigation on the accidents that were first compensated and determines whether the accident is covered or not.

First, in the insurance step, when a customer who is operating an asset or newly subscribes requests insurance for an asset provided from an asset issuer's service providing module through a terminal, the service providing module requests insurance for the customers who requested insurance. Is sent to the insurance approval module of the insurance server with customer information to request approval. When the insurance request is requested as described above, the insurance approval module determines whether the insurance is eligible by using the customer information. If the eligible person is approved, the insurance is approved, the client requests the transfer of asset information, and stores it in the database. Reject the request. At this time, the asset information stored in the database receives and stores the changes in the service providing module in real time and monitors the asset change situation from time to time by monitoring in real time or at regular time intervals by the monitoring module.

Next, in the first step of compensation, if an accident occurs on the customer's assets while storing and managing the asset information of the insured customer as described above, the customer reports the insurance accident to the insurance server and processes the reported accident. request. When the accident report is received, the accident reception module simply analyzes the report contents and the accident status, and if it is judged as an insurance accident first, transmits the information of the accident customer to the priority compensation module. Priority compensation module that received the information of the accident customer receives the asset status before the accident from the monitoring module to determine whether it is an insurance accident, and when it is determined to be an insurance accident, transmits it to the cyber asset issuing server and reports the asset of the reporting customer. By requesting reinstatement, the assets of the customer who reported the accident are first reimbursed. If the asset restoration is made as described above, the processing result notification module notifies the customer of the temporary compensation.

Next, in the insurance processing step, if the priority compensation is made as described above, the insurance accident processing module determines whether the accident corresponds to an insurance accident by self-inspecting or commissions an external agency such as a cyber crime investigation unit to determine the authenticity of the insurance accident. do. In this case, if the insurance accident is correct, the asset issuer and the customer are notified that the priority compensation is legal, and if the insurance accident is not, the result is notified to the priority compensation request module to request the collection of the first compensation. When the asset recovery request is received as above, the priority compensation request module instructs the asset recovery to the service provision module, and the service provision module returns the customer's assets restored to the priority compensation and separate prescribed penalties. Take any other necessary steps. Also, the customer is not informed of the accident due to the accident analysis, so the customer cannot be reimbursed and the result of the recovery is recovered.

In order to explain in more detail the cyber asset protection method as described above will be described by taking an online game as an example.

The online game pays a certain amount of usage fee to the online game provider, sets up an account as the game progresses, and acquires or generates various items according to the progress of the game or the increase of the carrier. In addition, although the items obtained as described above are virtual assets in cyberspace, in the case of highly popular games, they are actually traded at a high price on the offline.

The method of joining or accessing the online game as described above allows a customer to directly connect to a game providing server of an online game company, or selects a recruiting agent to allow the agent to attract and access the customer and pay for the agent. How to connect through.

In the present invention, an insurance server is additionally added to an online game customer terminal, a customer recruiting agent server, and a game operation server to protect customer items and accounts.

Therefore, as an embodiment of the cyber asset protection system of the present invention, the game asset protection system requests the insurance for the items and accounts acquired by the customer accessing the game server or the customer recruitment server to proceed with the game, Customer terminals for reporting an asset incident for a; A customer recruiting agent server for acting as a recruitment of the customers or a request for insurance of the customers and connecting the collected customer terminals to a game server; A game server for providing a game so that the customers can play the game, storing and managing the assets of the customer acquired through the game, collecting insurance information requested by the customers or recruiting agents, and requesting insurance coverage; Approve the requested insurance from the game server, receive the approved customer information in real time and store it for a certain period of time. It consists of an insurance server that examines whether there is an insurance accident and the appropriateness of compensation.

In more detail, the customer terminal may directly access a game server or execute a game provided by a game providing server through a customer recruitment agency server, and may request insurance for an account or item acquired while the game is in progress. .

In addition, the recruiting agent server is responsible for promoting and recruiting the game on behalf of the game server operator, connecting the terminal of the recruited customers and the game server, and confirm whether the customer recruitment or insurance of the existing customer's account and items It recruits insurance requesters and sends the information to the game server.

In addition, the game server can directly access the customer terminal or access the customer terminal through the recruiting agent server to proceed with the game, and supervises the game is in progress. In addition, by requesting direct insurance coverage or through the recruitment agent server of the insurance request customers requested information transfer to the insurance server to request insurance approval, and the asset information, such as accounts and items of the approved customers in real time Provided to the insurance server, if the insurance server's priority reimbursement request or the cancellation request of the priority reimbursement item is processed.

Next, the insurance server approves the insurance of the requested customers from the game server as described above, receives the approved customer's item and account information in real time and stores it in the database, and the cyber asset protection system including the stored data. It monitors the whole in real time and continuously searches and manages item and account changes. At this time, if a customer's item is stolen by a hacking or other network problem, and the pre-defined accident occurs due to an accident such as account deletion or item change, the insurance company such as the internet or telephone is recognized by writing the details of the accident. Report to the insurance server through the method, the insurance server that received the report is briefly investigated this request to the game server to report the customer's items and accounts to the previous state prior to the accident and to give priority to compensation, Notify the customer of the result. Next, analyze the accident details of the above-reimbursed customer on the basis of self-monitored data or ask an external agency such as a cyber crime investigation unit to analyze whether the accident corresponds to an insurance accident, and if so, the result Notify the game server operator and the customer through the game server and the customer terminal, and if it does not correspond to an insurance accident, send the result to the game server to recover the account or item, and penalties prescribed by the insurance company. Take the necessary action and notify the customer of the result.

As described in the above embodiment, the asset issuing server includes a game providing server, a character providing server, or a service providing server that provides a service and provides mileage or points, such as various shopping malls or auctions. By connecting to the asset issuing server, you can save and manage asset fluctuations of subscribing customers, an objective way to recover the loss of assets caused by hacking or network failure of cyber assets owned by customers according to the insurance. And a system.

As described above, the cyber asset protection system and method thereof according to the present invention first indemnify the insurer for the loss of cyber assets by the insurance company through the basic investigation on whether there is an insurance accident, and then carry out a detailed investigation and carry out an insurance accident. After determining whether or not to take action, customers can minimize their anxiety about their cyber assets, and insurance companies can provide compensation for cyber assets lost in accidents, allowing them to proceed objectively and neutrally. Dissatisfaction with the equity of compensation can be resolved, and in case of an accident, priority compensation can be made through insurance products to ensure objectivity, reliability, and promptness in handling cyber accidents.

In addition, by providing a monitoring function for the personal assets to the insurance system to notify the customer and the cyber asset issuer about unjust increase or loss of assets, it is possible to block the transaction of the negative and illegal cyber assets in advance.

In addition, cyber asset issuers can manage their assets through insurers in case they are leaked due to insurance accidents, including hacking, and at the same time, securely preserving the assets of customers unless they are hacked. As a result, the cyber asset issuer can reduce costs and enhance security of systems and services.

Claims (5)

A cyber asset issuing server that provides a service for acquiring cyber assets and checks whether the provided cyber assets are insured and recruits subscribers who wish to be insured; A client terminal subscribed to the cyber asset issuing server to acquire cyber assets and to request insurance for the acquired cyber assets; Approving the insurance of the customers who requested the insurance for the cyber assets, receiving the real estate information of the approved customers in real time and storing in the database, and includes an insurance server for processing this when the customer receives an insurance accident Cyber asset protection system. The method of claim 1, The cyber asset issuing server is any one of a game operation server providing an online game, a character providing server providing a character, or a service providing server providing mileage or points to customers using various services such as shopping malls or auctions. The cyber asset protection system characterized by the above-mentioned. The method of claim 1, The cyber asset issuing server is a service providing module for generating or selling cyber assets and recruiting insurance requesters and requesting the insurance server for insurance approval of these insurance requesters, and storing the issued assets with customer information. A cyber asset protection system comprising a database. The method of claim 1, The insurance server approves the insurance of the insurance request customers and the insurance approval module for requesting customer information including cyber asset information of customers who have insured the cyber assets through the service provision module, and the insurance approval. The module has been approved for insurance in the module to receive and store the requested customer information in real time, the asset change monitoring module for monitoring the asset changes of the customer stored in the database, and the accident to receive the asset accidents of the insured customers Determination of the authenticity of insurance accidents by receiving the monitoring result of the monitoring module to precisely analyze the indemnity module, the priority compensation requesting module for first indemnifying the insurance accidents received in the accident intake module, and Insurance accident processing module for helping or requesting help to the outside, Cyber group insurance asset protection system comprising a processing result notification module to notify the final results from analysis of accidents processing module. Claim 1, wherein the cyber asset protection system of the customer requesting the insurance of the individual cyber assets using the terminal, transmitting the information of the customers requesting the insurance to the insurance server and requesting insurance approval; Approving insurance and settlement of insurance premiums for the requested customers, and insurance insurance step comprising the step of transmitting the cyber assets of the approved customers in real time to the database of the insurance server; After receiving the insurance, receiving an accident when an insurance accident occurs on a customer's cyber assets, searching for a database of the received customer, and requesting prior compensation through basic investigation for insurance coverage and insurance judgment. And, Priority compensation step comprising the step of restoring the cyber assets of the customer requested priority compensation; Conducting a thorough investigation of the loss of assets of the first reimbursed customers, finalizing the insurance processing in the case of an insurance accident as a result of the thorough investigation, and determining invalidity of the compensation if not an insurance accident; And an insurance processing step of notifying the customer of the result, recovering the recovered cyber asset, and granting a penalty prescribed by the insurer.