KR20050047700A - Diagnosis system of financial goods, method thereof and recorded media thereof - Google Patents

Abstract

The present invention performs a coverage analysis on all insurances already subscribed to by a subscriber who has one or more insurances, and thus analyzes the contracts related to the payment of premiums of all insurances subscribed to by the subscriber, and risks associated with all the insurance benefits paid when a claim is incurred. Analyze, and perform a survival analysis related to the amount of money available for termination or termination of insurance, to provide the subscriber with an accurate diagnosis of the insurance already insured, and to subscribe to a financial instrument (insurance or savings / trust, etc.) in the banknote. When requesting the diagnosis of the subscribed product, it provides the subscriber with the asset information that he / she can manage at a future time by providing information on the accumulated amount and the future accumulated amount for the subscribed product.

Description

Diagnosis system of financial goods, method approximately and recorded media

The present invention relates to a diagnosis system for a financial product and a method and system thereof, and more specifically, to a user by comprehensively analyzing all financial products (insurance or savings / trust, etc.) subscribed to a specific financial instrument (insurance right or bank note, etc.). It is about technology that can provide future examples of all details that can be paid from financial instruments.

Individual economic and social life is constantly threatened by unforeseen accidents. Some of these accidents cannot be absolutely prevented, such as earthquakes and wind and water damages, and others cannot be prevented relatively, such as traffic accidents and fires. The insurance system is not intended to actively prevent such accidents, but to passively meet the economic demands of accidents. In order to achieve this goal, many people who are at risk of the same accident accident form an insurance organization, pay for money in advance in the form of premiums, form common reserve property, and when an accident occurs among members of the organization. It is a system that can receive relief from economic insecurity by receiving benefits from it.

These insurances are commercialized and sold by insurance companies, and individuals are prepared for risks for the future by purchasing specific insurance through the insurance companies. In addition to insurance coverage, insurance companies also sell insurance in the form of pensions for old age, based on insurance premiums paid over a period of time, combining security and savings.

On the other hand, individuals are prepared for risks or retirement that may occur to them through various insurances.However, the details covered by each insurance are different, so when a specific accident or payment item occurs, It is difficult to calculate exactly how much benefit you can get from insurance. In addition, it is difficult to accurately calculate the amount of premiums to be paid for each insurance from the present time to the insurance payment period.

If the insured can accurately calculate the total amount of benefits or pensions that can be paid from the insurance already insured, he or she can determine whether the benefits paid for a particular statement (eg, high-cost cancer insurance) are appropriate. According to the judgment result, new insurance can be added to strengthen the coverage of the part that is considered to be insufficient.

However, at present, the insured can not accurately calculate the total amount of benefits or pensions received from the insurance already insured, making it difficult to find out where there is a lack of coverage on the basis of all current insurance, as well as present or future. The amount of insurance premiums paid to them was not known, so the insured could not manage the insurance efficiently.

This problem is not only applied to insurance products, but also to deposits (including deposits, trusts, etc.) sold to general banks.

If a customer subscribes to multiple deposits, the current bank will enter the customer's social security number over the Internet or online, providing the total amount of money deposited in the customer's name, but only at this point. Therefore, it is a situation that does not provide a proper service to the customer who wants to operate the deposit product in the future.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, and the contract analysis related to the payment of insurance premiums of all the insurances subscribed to by the subscribers by performing a coverage analysis on all insurances subscribed to by the subscribers who have subscribed at least one insurance. To provide you with an accurate diagnosis of your insurance coverage by conducting a risk analysis related to all benefits paid in the event of a claim claim, and a survival analysis relating to the amount of money you can receive upon termination or expiration of your insurance. do.

In addition, the present invention, if a subscriber who subscribes to a financial product (insurance or savings / trust, etc.) in the banknote requests a diagnosis for the registered product, information about the previously accumulated amount and the expected amount of future accumulation for the already subscribed products Another purpose is to provide the subscribers with the ability to accurately identify the assets they can operate in the future.

Diagnosis system for a financial product according to the present invention for realizing the above object, the payment information storage unit for storing premium payment information of the subscriber; A contract information storage unit for storing insurance contract information of the subscriber; Survival analysis module for calculating the cancellation refund, the expected maturity / split insurance, the expected pension amount for each insurance; Items for paying the insurance coverage for each insurance are classified and stored into a coverage diagnosis code defined to enable hierarchical classification by characteristics, and for each insurance, insurance coverage information including the coverage diagnosis code is stored. Guaranteed diagnostic payment table; And requesting the insurance diagnosis inquiry for the subscriber, contract analysis and risk guarantee analysis for the insurances subscribed to the subscriber using the payment information storage unit, contract information storage unit, guaranteed diagnosis payment table, and survival analysis module. And a guaranteed diagnosis system for performing at least one of survival analysis.

In the diagnostic method for the financial product according to the present invention, when the insurance request for a specific diagnosis is requested, the contract information for the subscriber is collected from the contract information storage unit in which the insurance contract information is stored, and the insurance for the subscriber is insured. A first step of outputting a list; When a detailed analysis is requested for the insurances selected from the insurance list, the contract information storage unit collects contract information about the insurances and pays premiums for the insurances collected from the payment information storage unit where the premium payment information is stored. A second step of conducting a contract analysis based on the information; Collecting the insurance diagnosis benefit information for the insurances from the insurance diagnosis benefit table in which the insurance diagnosis benefit information including the insurance diagnosis code defined to enable hierarchical classification of items paying the insurance benefit payment for each insurance is collected. A third step of performing a hierarchical risk analysis on the insurances subscribed to by the subscriber; A fourth step of conducting a survival analysis through a survival analysis module for calculating cancellation refunds, expected maturity / split premiums, and expected pensions for each insurance; And a fifth process of providing at least one of a contract analysis result of the second process, a risk guarantee analysis result of the third process, and a survival analysis result of the fourth process as a result of the guaranteed diagnosis inquiry of the subscriber. It features.

In addition, the recording medium in which the diagnostic method for the financial product according to the present invention is recorded, when a request for inquiring about the diagnosis of a specific diagnosis is requested, the contract information for the subscriber is collected from the contract information storage unit in which insurance contract information is stored. A first step of outputting a list of insurances subscribed to by the subscriber; When a detailed analysis is requested for selected insurances in the insurance list, insurance period information and insurance characteristic information of insurances subscribed to the subscriber stored in the contract information are collected to analyze the insurance period for each insurance subscribed to by the subscriber. And counting the number of insurance by insurance characteristics based on the collected insurance characteristic information, analyzing the subscription tendency of the subscriber, the prepaid amount information and payment type of the insurances subscribed to by the subscriber stored in the payment information storage unit; A second step of performing the contract analysis by calculating the premium payment amount and the future payment amount for each insurance by using a guarantee period or the like; A third step of performing risk guarantee analysis based on the collected insurance diagnosis payment information on the insurances collected by collecting the insurance diagnosis payment information on the insurances from the guaranteed diagnosis payment table in which the guaranteed diagnosis payment information is stored; A fourth step of conducting a survival analysis through a survival analysis module for calculating cancellation refunds, expected maturity / split premiums, and expected pensions for each insurance; And a fifth process of providing a contract analysis result of the second process, a risk guarantee analysis result of the third process, and a survival analysis result of the fourth process as a result of the guaranteed diagnosis inquiry of the subscriber. It is characterized by performing a guaranteed diagnosis.

The diagnostic method for a financial product according to the present invention includes a savings information storage unit in which savings information for all registered financial products is stored. A first step of collecting saving information about the subscriber; Calculating the accumulated amount of the accumulated savings of the savings subscribed to by the subscriber and the expected savings of the savings from the current point of time to the expiration date by using a new opening date, expiration date, payment amount, and payment method included in the savings information; 2 courses; And a third process of providing the subscriber with a savings diagnosis result in which the accumulated saving amount of the savings and the expected savings amount calculated in units of a predetermined period are provided to the subscriber.

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

1 is a block diagram of a diagnosis system for a financial product according to a first embodiment of the present invention, and FIG. 2 is a detailed block diagram of the guaranteed diagnosis system 12 shown in FIG.

Diagnosis system for a financial product according to an embodiment of the present invention, as shown in Figure 1, for example, consisting of a keyboard, a mouse, etc. Command input unit 10 for inputting a command according to the insurance diagnosis for a particular insurance subscriber, Guarantee diagnosis system 12 for performing the diagnostic diagnosis analysis assumed in the present invention according to the command and outputs the result to the screen output unit 14 or the printer 15, the payment information for the premiums paid by all subscribers The payment information storage unit 13 stores the user authentication information (for example, ID, password, etc.) and personal information (name, affiliation, etc.) for users who have the authority to inquire information about subscribers. The storage unit 14, the contract information storage unit 15, the contract information storage unit 15, the subscription information (subscriber personal information) and insurance information (insurance code, subscription amount, premiums, rider information, etc.) for all contracts are stored. Joe in) Code conversion table (16) storing mapping information for converting the reimbursed insurance code into a guaranteed insurance code, a guaranteed diagnostic information storage unit (17) storing various information for the insurance diagnosis, and cancellation refund for each insurance, expected expiration / Installment benefits. And a survival analysis module 18 for calculating the expected pension amount.

The command input unit 10 and the screen output unit 14 correspond to a user terminal, and a plurality of such user terminals may be connected to the guaranteed diagnosis system 12 through a dedicated network to query the guaranteed diagnosis for the subscriber in real time.

Also, the security diagnosis system 12, the deposit history table 13, the user information storage unit 14, the contract information storage unit 15, the code conversion table 16, the security diagnosis information storage unit 17, and survival The analysis module 18 may be physically connected directly or may be connected through a dedicated network.

As shown in FIG. 2, the guaranteed diagnosis system 12 includes a control unit 121, a guaranteed diagnosis program storage unit 122, a screen information storage unit 123, and a screen generation unit 124.

The control unit 121 provided in the guaranteed diagnosis system 12, when a request for a guaranteed diagnosis for a specific subscriber is requested from a specific user through the command input unit 10, authentication of the user using the user information storage unit 14 The control unit 100 performs a function of controlling the entire apparatus such that the guaranteed diagnosis program stored in the guaranteed diagnosis program storage unit 122 is loaded to provide the user with the guaranteed diagnosis inquiry result.

The guaranteed diagnosis program storage unit 122 stores a guaranteed diagnosis program for performing a guaranteed diagnosis for contract analysis / risk guarantee analysis / survival analysis.

The screen information storage unit 123 stores screen information for configuring various input screens for the guaranteed diagnosis inquiry and various output screens for displaying the guaranteed diagnosis result for each ID, and is stored in the screen ID called from the controller 121. The screen information is transmitted to the screen generation unit 124.

The screen generation unit 124 combines the screen information applied from the screen information storage unit 123 and the guaranteed diagnosis query result data applied from the control unit 121 to display the guaranteed diagnosis inquiry input screen or the guaranteed diagnosis query result screen. 14 or outputs to the printer 15.

In addition, the guarantee diagnosis information storage unit 18 is a guarantee diagnosis payment table 181, which stores various types of information for guarantee diagnosis, an attribute code and an attribute item reference code for calling a text message to be guided for each insurance insurance code. A guaranteed diagnosis code table 182 and an attribute item criterion-specific message table 183 for storing text messages for each attribute code and attribute item criterion code.

The guaranteed diagnosis payment table 181 may be defined as shown in FIG. 3.

The guaranteed diagnosis code table 182 may be defined as shown in FIG.

The attribute table reference message table 184 may be defined as shown in FIG. 5.

In addition, the guaranteed diagnosis information storage unit 18 is provided with a guaranteed diagnosis output log table in which the changed information and the changed user information are stored when the information on the specific guaranteed insurance code is changed in the guaranteed diagnosis payment table 181.

In particular, in the present invention, the guaranteed diagnosis code input to the guaranteed diagnosis payment table 181 is defined so that hierarchical classification is possible for each characteristic.

As shown in FIG. 3, the guaranteed diagnosis codes are classified into disaster (A00000000) / illness (I00000000) / illness / disaster (T00000000), etc. according to their characteristics, and the middle classification of the classified items is defined. Define subclasses for subclassified items. For example, traffic accidents (A01000000) / general disasters (A02000000) / other disasters (A03000000) can be defined as the medium category for disasters (A00000000), and public transportation (A01010000) as the subclasses for traffic accidents (A01000000). Non-linear (A01020000) / non-thermal paper (A01030000) / Sony Sony insurance (A01040000) / self-driving (A01050000) / self-driving (A01060000) / vehicle boarding (A0107000) and the like can be defined.

According to the classification mentioned above, the middle classification and large classification to which a small classification belongs can be tracked easily. For example, it is easy to track that the top of the Hitsony Free Insurance (A01040000) corresponds to a traffic accident with a code value of "A01000000", and the top of a traffic accident (A01000000) corresponds to a disaster with a code value of "A00000000". have.

Hereinafter, a diagnostic method for a financial product according to a first embodiment of the present invention will be described in detail with reference to the flowchart shown in FIG. 6.

When a guaranteed diagnosis inquiry for a specific subscriber is requested from the user authenticated through the command input unit 10 (S10), the control unit 121 of the guaranteed diagnosis system 12 is the guaranteed diagnosis program stored in the guaranteed diagnosis program storage unit 122 Loading is performed to perform a guaranteed diagnostic inquiry process by the guaranteed diagnostic program. For reference, for the user's authentication, the security diagnosis system 12 receives information for authentication, for example, an ID and a password, from the user, and the input ID and password are registered in the user information storage unit 14. If it matches, the user is recognized as an authenticated user.

The controller 121 extracts all the contract information of the subscriber from the contract information storage unit 15 using the subscriber's identification information (resident number, etc.). The extracted contract information is information on the type, contractor, insured, contract date, maturity date, premium, month and year of payment, and payment cycle. Subsequently, the control unit 121 transmits the contract information to the screen generation unit 124, transmits the ID for the subscription contract status screen to the screen information storage unit 123, and outputs the screen information storage unit 123. The subscription contract status screen is transmitted to the screen generation unit (124). Accordingly, the screen generation unit 124 combines the contract information on the subscription contract status screen to generate a subscription contract status screen including a list of insurances subscribed to by the subscriber and outputs it to the screen output unit 14 (S14). ).

The subscription contract status screen is displayed in the form of a list of all the insurances subscribed to by the subscriber, the type of contractor, the insured, the contract date, the due date, the premium, the full payment month, the payment cycle, and all or part of each insurance. A combo box is configured to allow the user to choose which insurance to cover.

In addition, it is preferable that an object for selecting a contract analysis / risk guarantee analysis / survival analysis, which is a submenu, is configured on the subscription contract status screen.

After a part or the whole of the insurance is selected by the user, if one of the submenus is selected, the controller 121 determines the contract analysis process (S16 to S24), the risk guarantee analysis process (S26 to S48), and survival according to the selected submenu. One of the analysis processes (S50 to S58) is performed.

First, when a contract analysis item is selected by the user, the controller 121 analyzes the warranty period using the expiration date of the contract information for the selected insurance collected from the contract information storage unit 15 (S18). Analysis of the subscription tendency using insurance characteristic information stored in the contract information (S20), and analysis of the premium payment period using the contract date, maturity date, premium, full payment month, payment cycle (S22), analysis The result is transmitted to the screen generator 124.

The control unit 121 transmits the ID for the contract analysis result screen to the screen information storage unit 123, and the screen generation unit 124 transmits the screen information transmitted from the screen information storage unit 123 from the control unit 121. Combining the analysis results, and outputs the contract analysis results screen for the subscriber (S24). According to the result analysis result screen, the coverage period is presented in the form of the youngest graph so that the coverage period is visually displayed for each insurance so that users can easily recognize it, and the subscription tendency is divided into non-paid and lump-sum payments, respectively. The table shows the number of product types, monthly premiums for each product type, and overall composition. In addition, the premium payment period is presented in a tabular form for each insurance, including the total premium, the amount paid in the future, the expected future payment amount, and the amount of payment that must be made on a yearly basis.

Through the result analysis result screen, the user can easily check the coverage period, subscription propensity, premium payment status, etc. for all the insurance currently subscribed to the subscriber.

On the other hand, if the risk guarantee analysis of the sub-menu is selected by the user in the subscription contract status screen in step S14 (S26), the control unit 121 is a "death" code is the reason for claim field of the warranty diagnosis payment table 181 Collecting all the records, and analyzes the guaranteed diagnostic code field of the collected record to stratify the guaranteed diagnosis payment (S28). The control unit 121 calculates a death analysis result by adding up the guaranteed diagnosis payroll having the same guaranteed diagnosis code in a unit of a certain year.

Subsequently, the controller 121 collects all records for which the reason for claim of the guarantee diagnosis payment table 18 is the "diagnosis" code, and stratifies the details by analyzing the guarantee diagnosis code field of the collected record (S30). In step S32, all the records for which the claim reason field of the guarantee diagnosis payment table 181 is "operation" code are collected, and the guarantee diagnosis code field of the collected record is analyzed (S32). The controller 121 calculates a diagnosis guarantee analysis result by summing insurance diagnosis payrolls having the same guaranteed diagnosis code in units of a certain year.

In the same manner, the control unit 121 sequentially extracts records for which the claims for coverage are "hospitalization", "hospitalization", "care", "care", "radiation", "treatment guarantee", and "disability guarantee". After analyzing the diagnosis code field of the extracted record, the hierarchies of "hospitalization", "hospitalization", "care", "care", "radiation", "treatment guarantee" and "disability guarantee" are stratified (S34). S36), the insurance result is calculated by summing the insurance diagnosis payrolls with the same insurance diagnosis code for each insurance claim in the unit of a certain year.

The analysis result in S28 to S48 is transmitted to the screen generation unit 124, the screen information storage unit 123 as the control unit 121 transmits the ID of the risk guarantee analysis result screen to the screen information storage unit 123 The risk guarantee analysis result screen information is transmitted to the screen generation unit 124.

Accordingly, the screen generation unit 124 generates the risk guarantee analysis result screen by combining the risk guarantee analysis result screen information and the analysis result and outputs the result to the screen output unit 14. The risk guarantee analysis result screen shows death guarantee analysis results, diagnostic guarantee analysis results, surgical guarantee analysis results, hospitalization analysis results, hospitalization analysis results, nursing security analysis results, nursing security analysis results, radiological security analysis and treatment security analysis results. do.

Analysis results of each item are displayed hierarchically based on the payment classification, and the hierarchical display of the payment classification will be described with reference to the death guarantee analysis result and the diagnosis security analysis result shown in FIG. 7.

According to the result of the death guarantee analysis, the diagnosis code of all records for which the claim reason is "death" code is classified into disaster / disease / disease disaster, and then the classification or sub-classification is applied to the classified records based on the diagnosis code. Layer each record. For records having the highest guaranteed diagnosis code among the stratified records, the payment classification is defined as "basic", and the total amount of the insurance payments for records having the highest guaranteed diagnosis code is expressed in units of a certain year. For records with guaranteed diagnostic codes lower than the highest, the payment category is defined as "additional 1", and the reason for payment and the amount paid for each record are separately indicated. According to this hierarchical structure, if the payment reason for "additional 1" occurs, the payment reason for "additional 1" is added to the insurance payment amount for "additional 1" and the actual payment reason for "additional 1" When it occurs, it is possible to calculate the actual amount of insurance payments that can be received.

According to the results of the death guarantee analysis shown in FIG. 7, the total amount of the insurance payments of records having the insurance diagnosis code "disaster (A00000000)" was 358,060,000 won in 2003, 329,860,000 won in 2008, 294,460,000 won in 2013, and 2018. It will be 276,660,000 won, or 279,660,000 won in 2023. In addition, the total amount of insurance benefits for records with the insurance diagnosis code "Illness (I00000000)" will be 250,510,000 won, 244,740,000 won in 2008, 231,050,000 won in 2008, 218,250,000 won in 2018, and 221,250,000 won in 2023. Records for which the Covered Diagnostic Code is "Stroke (I0210000)", "Acute Myocardial Infarction (I03020000)," Cancer (I04000000) "are defined as" additional 1 "for the higher-level" disease (I00000000) " For the reason for payment, the code classification name corresponding to each guaranteed diagnosis code is described, and the amount of annual insurance payment for each code classification is described.

FIG. 7 exemplarily includes only the death guarantee analysis result and the diagnostic guarantee analysis result, but the operation guarantee analysis result, the hospitalization analysis result, the hospitalization analysis result, the nursing security analysis result, the nursing care security analysis result, the radiation security analysis result, The results of treatment coverage analysis are presented in the same way.

In addition, the control unit 121 extracts the attribute code and the attribute item reference code for each guaranteed diagnosis code of the record extracted in S28 to S48 described above in the guaranteed diagnosis code table 182, and the message table for each attribute item standard ( Extracting the message content data corresponding to the attribute code and the attribute item reference code extracted in 183) and transmits it to the screen generation unit 124. As shown in FIG. 7, the screen generation unit 124 writes the text corresponding to the message content data on the lower portion T of the risk guarantee analysis result screen.

On the other hand, if the survival analysis of the sub-menu is selected by the user in the subscription contract status screen in step S14 (S50), the control unit 121 transmits the insurance code included in the contract information to the survival analysis module 18, Receive the expected cancellation refund for each insurance calculated from the survival analysis module 18 (S52).

The survival analysis module 18 analyzes the expected maturity / divided premium for each insurance code and transmits the result to the control unit 121 (S54), and analyzes the expected pension amount for each insurance code and then controls the result. In step S56). Survival analysis module 18 of the present invention is stored information about the reimbursement refund for each insurance code for each period, information on the expected maturity / split insurance, information on the estimated pension amount, can be retrieved using the insurance code have.

As the control unit 121 transmits the analysis results from S52 to S56 to the screen generation unit 124 and transmits the ID of the survival analysis result screen to the screen information storage unit 123, the screen generation unit 124 displays the screen. The survival analysis result screen is combined with the survival analysis result screen information transmitted from the information storage unit 123, and the survival analysis result screen is generated and output to the screen output unit 14.

In the diagnosis system for the financial product of the present invention, the user may output the contract analysis result screen, the risk guarantee analysis result screen, and the survival analysis result screen to the printer 15. At this time, when the result output is requested from the user through the command input unit 10, the control unit 121 passes through the authentication and log information storage process for the user, the contract analysis result screen information, the risk guarantee analysis result screen information And transmits the survival analysis result screen information to the printer 15. As a result, the user can obtain outputs corresponding to the contract analysis result, the risk guarantee analysis result, and the survival analysis result .

Through a series of processes described above with reference to FIG. 7, a user connected to a dedicated network or a direct guarantee analysis system 12 receives a guarantee diagnosis result composed of the results of contract analysis / risk guarantee analysis / survival analysis for a specific customer. You can check it.

In the embodiment of the present invention described with reference to FIGS. 1 to 7, since the insurance diagnosis is performed using the contract information storage unit 15 in which only the contract information of the company is stored, only the insurance subscribed to a specific insurance company is covered. As a result, it is inevitable to make a diagnosis on the subscriber.

8 is a diagnosis system for a financial product to an insurance subscriber according to a second embodiment of the present invention. According to the second embodiment of the present invention according to FIG. You will be able to receive diagnostic services for all insured plans.

In FIG. 8, the insurance diagnosis system 21 configured at Company A and the insurance diagnosis system 41 configured at Company B access the contract information DB 32 through the Internet 30 to store the plurality of insurance information stored in the contract information DB 32. Use the contract information provided by the insurer to make a coverage diagnosis for a specific subscriber. The contract information DB 32 stores all contract information of subscribers subscribed to Company A and Company B.

Further, each of the guaranteed diagnosis systems 21 and 41 accesses the contract information DB 32 through the Internet 30 based on TCP / IP (Transmission Control Protocol / Internet Protocol) and stores the information stored in the contract information DB 32. In order to be able to use the web interface 27, 47 for performing the interfacing function is configured, respectively.

Each of the user terminals 20 and 40 configured in FIG. 8 integrates the command input unit 10, the screen output unit 14, and the printer 15 configured in FIG. 1, inputs a command, and displays an inquiry result according to the guaranteed diagnosis analysis. Performs the function of outputting.

In the second embodiment of the present invention, when the request for the guaranteed diagnosis for a particular subscriber is requested from the user terminal 20 of Company A, after confirming whether the corresponding user is an authenticated user, the guaranteed diagnosis system 21 is a contract information storage unit. (24), the subscriber collects the contract information for the insurance that the subscriber subscribed to the company (A company), and then accesses the contract information DB (32) for the insurance of the subscriber to the third party (company B). Collect contract information.

The security diagnosis system 21 performs the process of S18 to S22 of FIG. 6 using the extracted contract information, and then performs the contract analysis and provides the contract analysis result to the user.

Subsequently, the guaranteed diagnosis system 21 extracts the insurance insurance code corresponding to the insurance corresponding to the collected contract information of the subscriber using the code conversion table 25, and then uses the extracted insurance insurance code of FIG. By performing S28 to S46, after performing the risk analysis, the risk guarantee analysis result is provided to the user.

In addition, the security diagnosis system 21 performs a survival analysis by performing S52 to S58 of FIG. 6, and then provides the survival analysis result to the user.

According to the second embodiment of the present invention, the contract information for the subscriber who wants to inquire the guaranteed diagnosis is collected from the contract information DB 32 on the Internet, and the contract analysis, risk guarantee analysis, and survival analysis based on the collected contract information. Therefore, even if the subscriber is insured with the A company and the B company, the insurance diagnosis can be performed considering both the insurance company A and the insurance company B company.

In the second embodiment of the present invention, the contract information storage units 24 and 44 in which the company's contract information is stored are configured in each company, and the security diagnosis system 21 and 41 of each company is used to inquire about the diagnosis of the specific contractor. First, the subscriber's own contract information is collected from the company's contract information storage unit 24 and 44, and later, the contract information DB 32 is referred to to collect the subscriber's third party contract information. The contract information DB 32 may be configured to collect the contract information of the subscriber.

In the first and second embodiments of the present invention, although the user terminal is connected to the guaranteed diagnosis system to query the guaranteed diagnosis for the subscriber and provides the guaranteed diagnosis inquiry result to the subscriber through the user, it is shown in FIG. As in the third embodiment of the present invention, the subscriber stations C1, C2, and C3 may directly inquire the guaranteed diagnosis through the Internet.

9 relates to a diagnosis system for a financial product according to a third embodiment of the present invention, comprising a subscriber terminal (C1 to C3), a guaranteed diagnosis system (e.g., a web browser 52 connected to a web server 52 through a web browser). 54) In response to the request of the web server 52 and the web server 52, which supports the subscriber to directly perform the diagnostic diagnosis on the web in conjunction with the linkage), the specific diagnosis is performed to the web server 52. Guaranteed delivery system 54 to deliver, the member information storage unit 53 stores the authentication information and personal information of the members currently registered in the web server 52, the deposit history table that stores information on the premiums paid by all subscribers ( 56), the contract information storage unit 57, the contract information storage unit 57, which stores the subscription information (subscriber personal information) and insurance information (insurance code, subscription amount, premium, rider information, etc.) for all contract cases Converted insurance codes into guaranteed insurance codes And a code conversion table 58 in which mapping information is stored, and a guaranteed diagnosis information storage unit 59 storing various types of information for guaranteed diagnosis.

In the third embodiment of the present invention configured as shown in Fig. 9, when any subscriber terminal (e.g., C1) accesses the web server 52 via the Internet 50, the web server 52 is connected to the subscriber terminal C1. The member ID and password inputted from the member information storage unit 53 are inquired to authenticate the user (subscriber) of the subscriber station C1.

At this time, if the authentication is successful, the web server 52 provides a web screen for the security check inquiry to the subscriber terminal (C1), when requesting a security check inquiry on the web screen, the web server 52 is a personal information about the subscriber Information (resident number, etc.) is transmitted to the guaranteed diagnosis system 54 to request the guaranteed diagnosis for the subscriber, and the guaranteed diagnosis system 54 proceeds from S12 to S58 in FIG. 6 described above.

The contract analysis result, risk guarantee analysis, and survival analysis result output from the security diagnosis system 54 are transmitted to the web server 52, and the web screen according to the security analysis result is reconstructed. Is output to C1).

Although not shown in FIG. 9, when a contract information DB in which all insurance company contract information is stored is constructed on the Internet 50, the web server 52 collects and guarantees third party contract information for the subscriber from the contract information DB. And transmits to the diagnosis system 54, and the contract information of the third party and the guaranteed diagnosis system 54 reflect all of the contract information collected through the contract information storage 57 to proceed with S12 to S58 of FIG. Can be. In this case, the insurance analysis result web screen outputted to the terminal C1 of the subscriber outputs the insurance analysis result reflecting all the insurances subscribed to by the insurance company.

By carrying out contract analysis, risk guarantee analysis, and survival analysis on insurance products having guarantees in the first to third embodiments of the present invention, all matters related to payment of insurance money and insurance matters are easily facilitated. I can confirm it.

The present invention can be applied to financial products (savings, installments, trusts, etc.) that do not have guarantees according to the fourth embodiment.

FIG. 10 is a diagnosis system for a financial product according to a fourth embodiment of the present invention, and provides a savings diagnosis system 64 for providing a savings diagnosis inquiry result to subscriber terminals C10 to C30 on a web through a web server 62. FIG. Information on the new establishment date, expiration date, payment amount, payment method, etc. of the subscriber information storage unit 66 storing authentication information of the subscriber registered as a member, and financial products (savings, installments, trusts, etc.) The storage information storage unit 68 is provided.

Financial products that are subject to the fourth embodiment of the present invention are financial instruments, such as savings / trusts, which deposit certain amounts of money at certain intervals until a maturity date, except for deposits and deposits.

Next, a diagnosis method for a financial product according to a fourth embodiment of the present invention will be described in detail with reference to the flowchart attached to FIG. 11.

When any subscriber terminal (for example, C10) accesses the web server 62 through the Internet 60 and requests a deposit diagnosis inquiry (S110), the web server 62 logs in from the subscriber terminal C10. The ID and password inputted for (log-in) are inquired in the subscriber information storage unit 63 to authenticate the subscriber of the subscriber station C10.

If authentication is successful and the subscriber is logged in (Yes at S112), the web server 62 delivers the personal information (e.g., a social security number) for the subscriber to the deposit diagnosis system 64, and the deposit diagnosis for the subscriber. Inquiry request, the savings diagnosis system 64 collects the savings information for the subscriber in the savings information storage unit 68 (S116). The savings information collected relates to all accumulated financial products that the subscriber has subscribed to the financial institution.

The savings diagnosis system 64 calculates and predicts the saving status of each savings at intervals of a certain period (for example, 1 month, 1 quarter, 6 months, 1 year, etc.) until the expiration date based on the collected savings information, and stores the savings diagnosis result. It generates (S118). The savings diagnosis system 64 may calculate or predict the accumulation status of each savings by using the new opening date, expiration date, payment method, and payment amount of each savings collected from the savings information storage unit 68. If the amount paid through all accumulated financial instruments and the amount paid in accordance with the specified payment method, the amount that can be accumulated in the future by the maturity date is predicted. In this case, the amount already accumulated and the future reserve amount may be calculated by applying the interest rate (intermediate termination rate if the maturity has not reached) based on each time point, and the amount that can be received when the account is canceled at each time point. And, it is preferable that the calculation of the amount of money is calculated for each savings, and the sum of all savings is calculated.

The deposit diagnosis system 64 transmits the deposit diagnosis result to the web server 62, and the web server 62 generates a web page for outputting the deposit diagnosis result and transmits it to the subscriber station C10. The web page on the result of the savings diagnosis output to the subscriber terminal (C10), the accumulated amount and the future reserve amount for each deposit is displayed for a certain period so that the subscriber can easily check the amount available to receive at a certain point in time.

Through the fourth embodiment of the present invention, the savings diagnosis inquiry result for the savings subscribed to the company is provided, but all the savings information subscribed to the KFTC server or all the banks through the Internet 60 are stored and all the banks are saved. If the savings information DB 68, which is jointly managed by the user, is provided, it is also possible to provide a savings diagnosis inquiry result for savings subscribed to a third party.

According to the present invention as described above, by analyzing a comprehensive analysis of all financial products (insurance or savings / deposits, etc.) subscribed to a specific financial sector (insurance or bank notes, etc.), the user can receive all the details that can be paid from the financial instruments By providing a future example, it is possible to provide advanced financial services to subscribers.

On the other hand, the present invention is not limited to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, such modifications and changes should be regarded as belonging to the following claims. will be.

1 is a block diagram of a diagnosis system for a financial product according to a first embodiment of the present invention.

2 is a detailed configuration diagram of the guaranteed diagnosis system 12 shown in FIG.

3 is an exemplary diagram of a guaranteed diagnosis payment table shown in FIG. 2;

4 is an exemplary diagram of a guaranteed diagnosis code table shown in FIG. 2;

FIG. 5 is an exemplary diagram of a message table for each attribute item criterion shown in FIG. 2; FIG.

6 is a flowchart for explaining a diagnostic method for a financial product according to a first embodiment of the present invention.

Figure 7 is an output example of the risk guarantee analysis results according to the first embodiment of the present invention.

8 is a block diagram of a diagnosis system for a financial product according to a second embodiment of the present invention.

9 is a block diagram of a diagnosis system for a financial product according to a third embodiment of the present invention.

10 is a block diagram of a diagnosis system for a financial product according to a fourth embodiment of the present invention.

11 is a flowchart illustrating a diagnostic method for a financial product according to a fourth embodiment of the present invention.

Claims (18)

A payment information storage unit for storing premium payment information of the subscriber; A contract information storage unit for storing insurance contract information of the subscriber; Survival analysis module for calculating the cancellation refund, the expected maturity / split insurance, the expected pension amount for each insurance; Items for paying the insurance coverage for each insurance are classified and stored into a coverage diagnosis code defined to enable hierarchical classification by characteristics, and for each insurance, insurance coverage information including the coverage diagnosis code is stored. Guaranteed diagnostic payment table; And When the insurance diagnosis inquiry for the subscriber is requested, the contract analysis, the risk guarantee analysis, for the insurances subscribed to the subscriber by using the payment information storage unit, contract information storage unit, insurance diagnosis payment table, and survival analysis module, A diagnostic system for a financial product, characterized by having a guaranteed diagnosis system for performing at least one of the survival analysis. The method of claim 1, A code conversion table storing matching information for matching the insurance identification code used in the contract information storage unit and the guaranteed diagnosis payment table; And a message storage unit storing a message for further explaining at least one of the contract analysis, the risk guarantee analysis, and the survival analysis result based on the guaranteed diagnosis code. The method of claim 1, wherein the security diagnosis system Collect insurance term information and insurance characteristic information about the insurances subscribed to by the subscriber stored in the contract information, analyze the insurance term for each insurance subscribed to by the subscriber, and calculate the number of insurance by insurance characteristics based on the collected insurance characteristic information. Analyze the subscriber's subscription tendency by counting and calculate the premium payment amount and future payment amount for each insurance by using the prepayment information, the payment type, the warranty period, etc. of the insured subscribers stored in the payment information storage Diagnostic system for a financial product, characterized in that for performing the contract analysis. The method of claim 1, wherein the security diagnosis system Collecting records corresponding to a specific claim reason from the guaranteed diagnosis payment table, stratifying items corresponding to a reason for claim according to the guaranteed diagnosis code of the collected records, and then adding the guaranteed diagnosis benefits of the items having the same guaranteed diagnosis code. The diagnostic system for financial products, characterized in that to calculate the results of the risk guarantee analysis for each item. The method of claim 1, wherein the security diagnosis system Collect cancellation refunds, expected maturity / divided premiums, and expected pensions for all insurances subscribed to by the subscriber from the survival analysis module using the subscriber's contract information, collected cancellation refunds, expected maturity / split adventures, and estimated Diagnosis system for financial products, characterized in that for calculating the survival analysis results based on the pension amount. The method of any one of claims 3 to 5, wherein the security diagnosis system Diagnosis system for a financial product to calculate at least one of the contract analysis results, risk guarantee analysis results, survival analysis results based on the current time point in a certain year unit to present in the future. A first step of collecting a contract information for the subscriber from the contract information storage unit in which insurance contract information is stored when the insurance diagnosis inquiry is requested for a specific subscriber, and outputting a list of insurances subscribed to by the subscriber; When a detailed analysis is requested for the insurances selected from the insurance list, the contract information storage unit collects contract information about the insurances and pays premiums for the insurances collected from the payment information storage unit where the premium payment information is stored. A second step of conducting a contract analysis based on the information; Collecting the insurance diagnosis benefit information for the insurances from the insurance diagnosis benefit table in which the insurance diagnosis benefit information including the insurance diagnosis code defined to enable hierarchical classification of items paying the insurance benefit payment for each insurance is collected. A third step of performing a hierarchical risk analysis on the insurances subscribed to by the subscriber; A fourth step of conducting a survival analysis through a survival analysis module for calculating cancellation refunds, expected maturity / split premiums, and expected pensions for each insurance; And And a fifth process of providing at least one of a contract analysis result of the second process, a risk guarantee analysis result of the third process, and a survival analysis result of the fourth process as a guaranteed diagnosis inquiry result of the subscriber. Method of diagnosis for financial instruments. The method of claim 7, wherein the second process is Collect insurance term information and insurance characteristic information about the insurances subscribed to by the subscriber stored in the contract information, analyze the insurance term for each insurance subscribed to by the subscriber, and calculate the number of insurance by insurance characteristics based on the collected insurance characteristic information. Analyze the subscriber's subscription tendency by counting and calculate the premium payment amount and future payment amount for each insurance by using the prepayment information, the payment type, the warranty period, etc. of the insured subscribers stored in the payment information storage The diagnostic method for a financial product, characterized in that for performing the contract analysis. 8. The method of claim 7, wherein the third process is Collecting records corresponding to a specific claim reason from the guaranteed diagnosis payment table, stratifying items corresponding to a reason for claim according to the guaranteed diagnosis code of the collected records, and then adding the guaranteed diagnosis benefits of the items having the same guaranteed diagnosis code. A method for diagnosing financial products, comprising calculating a result of risk guarantee analysis for each item. The method of claim 7, wherein At least one of the contract analysis result of the second process, the risk guarantee analysis result of the third process, and the survival analysis result of the fourth process is calculated in a predetermined year unit based on the current time point and presented as an example in the future. Method of diagnosis for financial instruments. A first step of collecting a contract information for the subscriber from the contract information storage unit in which insurance contract information is stored when the insurance diagnosis inquiry is requested for a specific subscriber, and outputting a list of insurances subscribed to by the subscriber; When a detailed analysis is requested for selected insurances in the insurance list, insurance period information and insurance characteristic information of insurances subscribed to the subscriber stored in the contract information are collected to analyze the insurance period for each insurance subscribed to by the subscriber. And counting the number of insurance by insurance characteristics based on the collected insurance characteristic information, analyzing the subscription tendency of the subscriber, the prepaid amount information and payment type of the insurances subscribed to by the subscriber stored in the payment information storage unit; A second step of performing the contract analysis by calculating the premium payment amount and the future payment amount for each insurance by using a guarantee period or the like; A third step of performing risk guarantee analysis based on the collected insurance diagnosis payment information on the insurances collected by collecting the insurance diagnosis payment information on the insurances from the guaranteed diagnosis payment table in which the guaranteed diagnosis payment information is stored; A fourth step of conducting a survival analysis through a survival analysis module for calculating cancellation refunds, expected maturity / split premiums, and expected pensions for each insurance; And And a fifth process of providing a contract analysis result of the second process, a risk guarantee analysis result of the third process, and a survival analysis result of the fourth process as a result of the guarantee diagnosis inquiry of the subscriber, thereby guaranteeing financial products. Recording medium containing a computer-readable program for performing diagnostics. The method of claim 11, wherein in the third process The items paying the insurance benefits for each insurance are divided into the insurance diagnosis codes, and the insurance diagnosis codes collect records corresponding to a specific claim reason from the insurance diagnosis benefit table defined to be hierarchically classified by characteristics. And stratify the items corresponding to the reason for claim according to the guaranteed diagnosis code of the collected records, and then calculate the result of risk guarantee analysis for each item by summing the guaranteed diagnosis benefits of the items having the same guaranteed diagnosis code. A record medium storing computer readable programs for performing guaranteed diagnosis on financial instruments. The method of claim 11, At least one of the contract analysis result of the second process, the risk guarantee analysis result of the third process, and the survival analysis result of the fourth process is calculated in a predetermined year unit on the basis of the present time point and presented as an example in the future. A recording medium having stored thereon a computer readable program for performing a guaranteed diagnosis on a financial product. A contract information database storing contract information about insurances subscribed to a plurality of insurance companies; The contract information database is accessed through the communication network to collect the company's contract information and other company's contract information for the specific subscriber, and the collected contract information is used to analyze the contract, risk, and survival of all insurances subscribed to by the subscriber. A guaranteed diagnosis system for performing at least one of the results and presenting the result as an example in the future; A payment information storage unit for storing premium payment information of the subscriber; Survival analysis module for calculating the cancellation refund, the expected maturity / split insurance, and the expected deposit amount for each insurance; And Assurance that stores the items that pay the guarantee diagnosis for each insurance by dividing them into guarantee diagnosis codes defined to enable hierarchical classification by characteristics, and stores the insurance diagnosis benefit information including the guarantee diagnosis code for each insurance. A diagnostic system for a financial product, characterized by having a diagnostic payment table. 15. The method of claim 14, wherein the security diagnosis system Collect insurance term information and insurance characteristic information about the insurances subscribed to by the subscriber stored in the contract information, analyze the insurance term for each insurance subscribed to by the subscriber, and calculate the number of insurance by insurance characteristics based on the collected insurance characteristic information. Analyze the subscriber's subscription tendency by counting and calculate the premium payment amount and future payment amount for each insurance by using the prepayment information, the payment type, the warranty period, etc. of the insured subscribers stored in the payment information storage Diagnostic system for a financial product, characterized in that for performing the contract analysis. 15. The method of claim 14, wherein the security diagnosis system Collecting records corresponding to a specific claim reason from the guaranteed diagnosis payment table, stratifying items corresponding to a reason for claim according to the guaranteed diagnosis code of the collected records, and then adding the guaranteed diagnosis benefits of the items having the same guaranteed diagnosis code. The diagnostic system for financial products, characterized in that to calculate the results of the risk guarantee analysis for each item. 15. The method of claim 14, wherein the security diagnosis system Collect cancellation refunds, expected maturity / divided premiums, and expected pensions for all insurances subscribed to by the subscriber from the survival analysis module using the subscriber's contract information, collected cancellation refunds, expected maturity / split adventures, and estimated Diagnosis system for financial products, characterized in that for calculating the survival analysis results based on the pension amount. A first step of collecting deposit information for the subscriber from the deposit information storage unit when a deposit diagnosis inquiry request is made from an authenticated subscriber in a state in which a deposit information storage unit stores the deposit information of all subscribed financial products; Calculating the accumulated amount of the accumulated savings of the savings subscribed to by the subscriber and the expected savings of the savings from the current point of time to the expiration date by using a new opening date, expiration date, payment amount, and payment method included in the savings information; 2 courses; And And a third process of providing the subscriber with a savings diagnosis result in which the accumulated saving amount of the savings and the expected savings amount calculated in units of a predetermined period are provided to the subscriber.