KR20090058135A - A system and method for providing comparison information about insurances issued by insurance companies, which are planned based on rule-based planning knowledge - Google Patents

Abstract

By classifying the subscriber information, the standard design plan for each classification and the recommended rules for insurance design are built into the database, the subscriber information received from the customers connected to the call center is input, and the standard design plan for the corresponding subscriber classification is set as the basic design plan. The present invention relates to an apparatus and method for designating a design plan different from the basic design plan by applying the insurance design recommendation rule, and transmitting the insurance premium comparison estimates for each of the design plans to the mobile terminal of the customer.

In this way, the customer can consult with the call center and promptly propose an alternative to the customer's mobile terminal according to the customer information. It is possible to improve the quality of insurance relay service is effective. In addition, by providing the client with a comparison of insurance premiums against insurance plans and a premium according to changes in the design, the customer can select an affordable insurance plan that suits their situation without having expertise in insurance design. It can work.

Description

System and method for providing comparison information about insurance companies issued by insurance companies, which are planned based on rule-based planning knowledge}

The present invention classifies subscriber information, constructs a standard design plan for each classification and recommended rules for insurance design as a database, and inputs the subscriber information received from the customer connected to the call center. It is a technical field of a device and a method for transmitting a premium estimate for each insurance company to the mobile terminal by designating inside, and designating the basic design and other design as the recommended design by applying the insurance design recommendation rule.

The present invention is a technical field of making a standard design plan for subscriber classification by statistically analyzing insurance plan information, which is already concluded, and regularizing the recommendation on insurance design from an experienced insurance planner.

In addition, the present invention relates to a technical field of receiving a customer's subscriber information by calling a customer in a call center and transmitting a premium comparison quote for each insurance company to a mobile terminal for insurance plans recommended for the subscriber information.

Insurance premiums are determined by information about the current situation or past records of the subscribers involved in the insurance (hereinafter referred to as subscriber information) and the extent and extent to which the insurance is to be covered. In general, insurers not only finely categorize subscriber information and use it to set premiums, but also the competition for insurance products is fierce, and there are many options to design a variety of insurance plans.

Therefore, life insurance and disease insurance are complicated and diverse in terms of subscriber information and design matters, and most of them are designed for the appropriate insurance by consulting directly with the insurance agent. However, insurances that must be insured, such as auto insurance, are standardized to some extent and the basic collateral is recognized, so contracts are often made without any detailed consultation with the insurance agent. In particular, as autonomous auto insurance premiums are induced to induce competition among insurers, subscribers are often selected by insurance premiums rather than insurance plans.

However, even in the case of auto insurance, which is mandatory to purchase, insurance products have been developed to provide coverage for a wider variety of accidents. Therefore, depending on the subscriber's situation, the design items that can receive more coverage with less costs are coming out as insurance products. Most subscribers, however, are unaware of this and are simply choosing car insurance as their basic design in one phone call.

Next, let's take a look at various items of insurance design as an example of auto insurance.

The information of the subscriber (the participant and the driver may be inconsistent, but in this case, the subscriber and the driver are regarded as the same) affecting the car insurance premium includes driver's personal information such as age, gender, and region. Driving experience information such as training, accident history, and legal violations. In addition, vehicle information, such as car model, year, option, and own car value, are also items that affect the automobile insurance premium calculation.

The design details for auto insurance are largely divided into collaterals and riders. Collateral is classified into adult, object, car, descendant, car injury, and uninsured car injury. Each collateral is reclassified according to its limits. For example, people are classified as liability insurance, 50 million won, 100 million, 200 million, 300 million, and infinite, and objects are 10 million won, 20 million won, 30 million won, 50 million won, 100 million won, 200 million won, 300 million won per accident, It is categorized into 500 million, car accidents are classified into 100 million and 200 million deaths, 10 million and 20 million won injuries, and 100 million and 200 million after-effects. Riders are usually contracts that reduce the scope of protection for age and driver riders.

Insurance premiums are calculated according to the subscriber's information and the contents of the insurance plan as described above.

Applied (payment) premium = basic premium × special rate × subscriber's characteristic rate (career insurance premium rate × traffic law violation history rate) × special rate × superior discount, bad premium (standard rate + special premium rate)

That is, when the basic premium and the special rate are determined according to the insurance plan, the final premium is calculated by deducting a predetermined rate according to the information of the subscriber. However, the rates are autonomized for the rates between insurers, and the premiums are calculated differently for each insurer.

As described above, because the calculation of the premium is complicated and the premiums vary by design and insurer, techniques have been developed and introduced to make this easier.

For example, as shown in FIG. 1, [Republic of Korea Patent Publication 2001-0109893] (hereinafter referred to as Prior Art 1) can automatically estimate the premium of the insurance product desired by the customer on the web and provides a comparison quote for each insurance company to provide insurance The relay technology is presented.

Specifically, the prior art stores premium calculation data for automatic insurance premium calculation for each insurance company in a database existing on a web server of a shopping mall, and when the customer selects a specific insurance product on a web page, the calculated data. Calculate the insurance premium based on the insurance premium, and when the insurance product is stored in the shopping cart, presenting the insurance product selected by the customer on the shopping cart view web page together with the calculated insurance premium and providing an optional element for price comparison. Responsive to the activation of the selection element is characterized in that it comprises the step of calculating the premium for each insurance company for the selected one product and presenting it as a list in a separate window.

The prior art deals with insurance products such as auto insurance, home safety insurance, travel insurance, and the like, and relays insurance products, and provides comparative estimates by insurance companies for insurance products selected by a customer. However, the insurance product is assumed to be a product of which the insurance design is completed, and it is possible to select "additional service" such as free towing and free oiling as an option for the product. This is a design issue, but it is not strictly a matter of insurance design. That is, it does not provide a description of how to design the insurance for the subscriber's situation before finalizing the insurance product.

Therefore, as in [Korea Patent Publication No. 10-2002-0045844] (hereinafter, Prior Art 2) or [Korea Patent Publication No. 10-2007-0041831] (hereinafter, Prior Art 3), it is possible to allow customers to select their own insurance plans. Technologies are also being presented.

As shown in Fig. 2, the prior art 2 allows a customer to freely select the desired amount of guarantee amount in the event of an accident on the web so that the most appropriate guarantee design is possible for the customer. After entering the information, calculate the premium paid by referring to the first step of selecting and entering the desired amount of coverage for each desired accident, and by reversing the entered amount of desired coverage for each accident. Characterized in that the second process is made to include.

Prior art 3 categorizes four types of insurance design from the point of view of the user, and automatically presents and initializes dozens of parameters necessary for insurance design when the user selects one of four samples. By presenting the screen as shown in Fig. 3, the user can easily design by starting with the sample presented and modifying each parameter to suit the user.

That is, the above prior arts suggest techniques for making the insurance plan easier for the subscriber, but this should be a premise that the subscriber should have considerable knowledge about the insurance. In addition, it is very time-consuming and laborious for the subscriber to select dozens of insurance plans.

Rather, the reason for going through a plan when buying a complex insurance plan is to get the planner's expertise. In other words, the insurance planner can provide a suitable insurance plan for the subscriber's situation because he has a lot of experience and expertise in insurance design. For example:

A typical example is that if the car is more than 10 years old and the vehicle value is less than 1 million won, it is a design plan that the insurance premium is greatly saved by excluding the collateral security. In addition, if the amount of the subscription to the object is 100 million and 3,000 because the premium does not differ much, even more luxury cars with more than 30 million won is now better designed to 100 million. In particular, in rich areas such as Gangnam, where there are many foreign cars, more than 100 million objects may be designed, so it is worth considering. On the other hand, in small and medium-sized cities, the amount of object subscription may be reduced in areas where luxury cars are few. In addition, if a subscriber owns a plurality of vehicles, it is better to bundle the same securities. This is because insurance premiums become cheaper when the premium rate is divided and applied in case of an accident.

In addition, if a new insurance plan is developed and added by an insurance company, professionally trained planners know when the item should be applied, but it is difficult for the general public to know.

Therefore, designing insurance by yourself without this expertise will only take time and effort and will not work. In addition, ordinary subscribers do not try to find out actively because they do not know the details of receiving a lot of insurance with a low premium according to the insurance scheme. This is especially true before meeting an active insurance agent.

In order to solve the above problems, the present invention classifies subscriber information, constructs a database of information on standard design plans and insurance rules for each classification, and inputs subscriber information received from customers connected to a call center. Receives the corresponding standard design plan as the basic design plan, applies the insurance design recommendation rule, designates the basic design plan and other design plan as the recommended design plan, and transmits the insurance company's insurance premium comparison estimate to each customer's mobile terminal. And to provide a method.

In addition, the present invention analyzes the insurance plans already concluded in the past, to determine the insurance plan that is the most designed according to the subscriber classification as the standard design plan, to make the expert's expertise and experience as the recommended design rules based on the standard design plan The objective is to create and provide a recommended design.

In addition, the present invention must be insured, such as automobile insurance and some standardized insurance, by simply consulting the telephone to find the recommended design for the subscriber, and the device for transmitting a comparison quote for each insurance company to the mobile terminal and It is an object to provide a method.

In order to achieve the above object, the insurance company's comparative estimate providing device of the insurance plan according to the present invention receives the subscriber information received from the customer connected to the call center, and compares the insurance company's comparison estimate for the at least one insurance plan with the mobile terminal of the customer. An apparatus for providing a comparative estimate of insurance plans for insurance plans, the method comprising: a standard design plan preparation unit for analyzing and designating already signed insurance plan data and setting and storing a standard design plan for a subscriber classification; A rule management unit which receives the recommended insurance design items for the classification items of the subscriber classification and stores them as recommended rules; A design drafting unit for finding a subscriber classification corresponding to the subscriber information by receiving subscriber information, setting a standard design plan of the corresponding subscriber classification as a reference design plan, and creating a recommended design plan applying the recommendation rule based on the reference design plan; A design plan government that receives an input for selecting at least one final design plan from the basic design plan and the recommended design plan; And a comparison quote transmission unit configured to calculate a premium for each insurance company for each of the final design plans, create a comparison estimate, and transmit the comparison quote to the mobile terminal of the customer.

In the apparatus for providing a comparative estimate for each insurance company of the insurance plan according to the present invention, the standard design plan preparation unit standardizes the insurance plan with the highest frequency among the already concluded insurance plans belonging to the classification for each subscriber classification. It is characterized by determining in a design plan.

In addition, in the insurance company's comparison quote providing apparatus according to the present invention, the rule management unit, the recommended condition is a conditional formula consisting of the classification items of the subscriber classification and the design item and the item value of the recommended design plan is recommended if the conditional expression is satisfied Characterized in that the configuration.

In the apparatus for providing a comparative estimate for each insurance company in the plan of insurance according to the present invention, the design drafting unit has a recommendation rule that satisfies a conditional expression for a classification item of the corresponding subscriber classification, and is recommended for a design item of the recommendation rule. If the item value of the rule and the item value of the reference design plan are different, the design plan replaced with the item value in the reference design plan is characterized as a recommended design plan.

In the apparatus for providing a comparison estimate for each insurance company of an insurance plan according to the present invention, the design proposal government receives a different item value for some design items of the basic design plan before selecting the final design plan. The proposed design is replaced with the recommended design, and one of the basic design and the recommended design can be selected as the basic design.

In the apparatus for providing a comparison estimate for each insurance company of an insurance plan according to the present invention, the comparison quote transmission unit may use the MMS (Multimedia Messaging System) to write a full text of a premium comparison estimate of the selected design plan. Characterized in that the transmission to the mobile terminal.

In the apparatus for providing a comparison estimate for each insurance company of an insurance plan according to the present invention, the comparison quote transmission unit selects a document in which a premium comparison estimate of the final design plan is entered into a page for each design plan and a number of the mobile terminal is selected. And transmitting a driving program showing a design page corresponding thereto.

Further, in the insurance company comparison quote providing apparatus of the insurance plan according to the present invention, the insurance premium comparison quote of the design plan is characterized in that the design item is different from the basic design plan if the design plan is recommended.

In addition, in the insurance company according to the present invention, the insurance company's comparison quote providing apparatus, the items of the subscriber information, the items related to the driver's identity information including age, gender, region, driving range, driving years, insurance years And items relating to driving experience information including accident career grades and legal violations, and vehicle information including vehicle type, year, option, and own vehicle value; The subscriber classification comprises a classification item with the items of the subscriber information, and for each of the classification items, the classification items are classified into a certain range if the classification items are related to numerical information, and the categories are classified into category values if the classification items are related to category information. It is characterized by.

In addition, in the insurance company according to the present invention provides a comparison quote for each insurance company, the design items of the design, the items for collateral, including the person, the object, the car, the offspring, age 20 years old, including all ages It is characterized by including the items related to the driver's license, including the items related to, couple-only, self-limited.

In order to achieve the above object, a method of providing a comparison estimate by insurance company of an insurance plan according to the present invention includes receiving subscriber information received from a customer connected to a call center, and comparing the comparison estimate by insurance company with respect to at least one insurance plan. A method of providing a comparative estimate for each insurance company of an insurance plan to be transmitted to the insurance company, the method comprising: (a) analyzing the insurance plan data already concluded and determining and storing a standard design plan for the subscriber classification; (b) receiving and storing recommended insurance design items as recommended rules for classification items of subscriber classification; (c) receiving subscriber information and determining a subscriber classification corresponding to the subscriber information; (d) setting a standard design plan of the corresponding subscriber classification as a reference design plan, and preparing a recommended design plan to which the recommended rules are applied based on the reference design plan; (e) receiving an input for selecting at least one final design among the basic design and the recommended design; and (f) transmitting a premium estimate for each insurance company for each of the selected final designs to the mobile terminal of the customer.

In the method of providing a comparative estimate for each insurance company according to the present invention, the step (a) may include, for each subscriber classification, the most frequent insurance plans among the already concluded insurance plans belonging to the classification. Characterized in the standard design.

In addition, in the method of providing a comparison estimate for each insurance company in the insurance plan according to the present invention, step (b) includes a condition for the recommendation rule consisting of classification categories of subscriber classification and a design item for the design plan recommended when the condition is satisfied. Characterized in that the item value.

In addition, in the method of providing a comparative estimate for each insurance company in the plan of insurance according to the present invention, step (d) includes a recommendation rule that satisfies the conditional expression for the category of the corresponding subscriber classification, the design item of the recommended rule If the item value of the recommended rule and the item value of the reference design plan are different, the design plan replaced by the item value in the reference design plan is set as the recommended design plan.

In addition, in the method for providing a comparison estimate for each insurance company of the insurance plan according to the present invention, in step (e), before selecting a final design plan, other item values are input for some design items of the basic design plan. The design plan replaced with the item value is added as the recommended design plan, and one of the basic design plan and the recommended design plan can be selected as the basic design plan.

In addition, in the method of providing a comparison estimate for each insurance company in the insurance plan according to the present invention, the step (f) includes the full text of the insurance premium comparison order of the selected design plan sequentially using the MMS (Multimedia Messaging System). Characterized in that the transmission to the customer's mobile terminal.

In the method of providing a comparison estimate for each insurance company of the insurance plan according to the present invention, step (f) is performed by inputting a document in which the insurance premium estimate of the final design plan is included in the page for each design plan and the number of the mobile terminal. It is characterized by transmitting a drive program showing a design page corresponding to the number.

In addition, in the method of providing a comparison estimate for each insurance company of the insurance plan according to the present invention, the insurance premium comparison quote of the design plan is characterized by displaying design items different from the basic design plan if the design plan is a recommended plan.

In addition, in the method of providing a comparative estimate for each insurance company in the insurance plan according to the present invention, the items of the subscriber information, the items related to the driver's personal information including age, sex, region, driving range, driving years, insurance years And items relating to driving experience information including accident career grades and legal violations, and vehicle information including vehicle type, year, option, and own vehicle value; The subscriber classification comprises a classification item with the items of the subscriber information, and for each of the classification items, the classification items are classified into a certain range if the classification items are related to numerical information, and the categories are classified into category values if the classification items are related to category information. It is characterized by.

In addition, in the method of providing a comparative estimate for each insurance company in the insurance plan according to the present invention, the design item of the design plan, items for collateral items including the person, object, car, child, 20 years old or older, including all ages It is characterized by including the items related to the driver's license, including the items related to, couple-only, self-limited.

In addition, in order to achieve the above object, a computer-readable recording medium for providing a method of providing a comparative estimate for each insurance company of the insurance plan according to the present invention may receive at least one insurance plan by receiving subscriber information received from a customer connected to a call center. A computer-recorded recording medium that provides a method of providing a comparison estimate for each insurance company in an insurance plan that transmits a comparison estimate for each insurance company to a mobile terminal of the insurance company. (A) A standard design plan for the classification of subscribers by analyzing the insurance design data already concluded. Determining and storing; (b) receiving and storing recommended insurance design items as recommended rules for classification items of subscriber classification; (c) receiving subscriber information and determining a subscriber classification corresponding to the subscriber information; (d) setting a standard design plan of the corresponding subscriber classification as a reference design plan, and preparing a recommended design plan to which the recommended rules are applied based on the reference design plan; (e) receiving an input for selecting at least one final design among the basic design and the recommended design; and (f) transmitting a premium comparison for each insurance company for each of the selected final designs to the mobile terminal of the customer.

The present invention sets the most designed insurance design plan as the standard design plan, and makes the recommended design rule based on the standard design plan by providing the expert's expertise and experience as the recommended design rule, so that even an inexperienced call center staff can consult easily. It is able to guide the insurance plan to the customer, and it is effective to suggest the insurance plan for the subscriber without the expertise and experience in the insurance plan.

In addition, the present invention must be insured, such as car insurance, and the standardized insurance to some extent, by simply consulting on the telephone by sending a comparison quote for each insurance company to the mobile terminal, it is possible to provide a more convenient insurance design guide service There is.

In addition, the present invention can provide a recommended design reflecting a new insurance design items, such as a new product to the mobile phone of the subscriber, it is effective to provide a good means for advertising the new product for the subscriber.

Hereinafter, the present invention will be described in detail with reference to the apparatus and method for providing a comparison quote by insurance companies.

Prior to describing the present invention, the concept of subscriber information, subscriber classification, classification items and classification item values of subscriber classification, design items and design item values of the insurance plan to be described later will be described in detail.

The items of the subscriber information include the items related to the driver's personal information including age, gender, region, type of occupation, etc., the items related to driving experience information including driving training, accident history grade, violation of law, model, year There are items related to vehicle information, including options, options, and own vehicle value. That is, the items of subscriber information can be regarded as being composed of age, gender, region, occupation type, driving training, accident history grade, legal violation grade, model, year, option, and own vehicle value.

When you get your information through a call center counselor, you will receive your social security number, address and contact information. The item value for the item of the subscriber information is obtained through such subscriber information. For example, the first seven digits of the social security number can be used to distinguish men and women, to calculate the age based on the birth date of the social security number, or to analyze the address to derive an area. In particular, accident history grades, law violation grades, etc., by using the vehicle number and resident registration number of the subscriber, the accident history and law violation records of the Insurance Development Institute is inquired. Inquired data can be obtained from accident history level and legal violation level by a formula. That is, the item value corresponding to the item of the subscriber should be obtained through the basic subscriber information.

4 illustrates examples of classification items and item values of the subscriber classification of the present invention. As shown in FIG. 4, subscriber classification refers to classifying item values into certain ranges required for insurance premium calculation for each item of subscriber information. The category of subscriber classification is the same as that of subscriber information. For each classification item, if the classification item relates to numerical information, it is classified into a predetermined range. If the classification item relates to category information, it is classified into category values. The criteria for classification should be classified to reflect the meaningful criteria in calculating premiums.

For example, since age is a numerically consecutive item, it is divided into 20 or less and 28 or less, which are meaningful in calculating insurance premiums, and gender is divided into male and female categories because gender is a category. The insurance years and the driving years are classified as above, one year, less than two years, less than three years, and more than three years, which are meaningful criteria for the calculation of consecutive figures or premiums. In this manner, as shown in FIG. 4, an item value for a classification item of a subscriber may be derived.

As described above, what can be an item value in a category becomes a range and a category value. As such, when the classification items and the item values of the subscriber classification are set, it is possible to know which classification belongs to one subscriber information, and the subscriber classification becomes a subscriber classification corresponding to the subscriber information.

5 illustrates the design items and item values of the insurance design proposal of the present invention. As shown in Fig. 5, one or more design item values defining ranges and limits to be guaranteed for the design items of the insurance plan are composed. After all, writing an insurance plan can be said to select one of the item values for each design item.

There are two cases in which the design items have different types of item values from those of general design items. One can be expressed as a bundle of various kinds of items such as {15 million won for death, 15 million won for injuries and 30 million won for after-effect disorders} like descendants. And the item value may only be selected by whether or not it is selected. In the case of the former, several types can be grouped and named as one item value, and the latter can be selected as two item values.

Figure 6 shows a preferred embodiment of the configuration of the insurance company comparison quote providing apparatus of the insurance plan of the present invention.

As shown in FIG. 6, the comparison quote providing apparatus 100 for each insurance company of the insurance plan of the present invention includes a standard design plan preparation unit 130, a rule management unit 140, a design proposal preparation unit 150, and a design eyeline government 160. And a comparison estimate transmission unit 170. In addition, the comparison quote providing apparatus 100 includes a database 110 for storing necessary data.

The standard design drafting unit 130 analyzes the insurance design data already concluded, sets a standard design plan for the subscriber classification, and stores the standard design plan in the database 110. Specifically, the standard design drafting unit 130 sets the standard design plan as the standard design plan with the highest frequency among the already concluded insurance plans belonging to the classification for each subscriber classification.

For example, the subscribers who are already signed up are 28 to 40 years old, male, gender, Gangnam, Seoul, less than 3 years of driving, less than 3 years of insurance, Among the concluded insurance plans with a value of less than 1 million won, the insurance plan that is most expensive is selected as the standard design plan. In other words, the contract design for the subscriber classification is 100 million people, the object is 30 million won, the copayment of own car is 100,000 won, the age limit is 20 years old or more, If it is the most adopted design, it is the standard design for the subscriber classification.

In addition, the standard design plan may be prepared and stored by periodically re-analyzing when the signed insurance design plan accumulates more than a certain period of time. By doing this, it is possible to reflect changes over time as the subscriber's preferred insurance schemes change. For example, in the past, the object is usually set to 30 million won, but as the passenger car is generally upgraded to 100 million won, the design items for the object of the standard design are changed. In particular, since the standard design proposal is obtained for each subscriber classification, the standard design scheme may be changed to reflect the minute changes according to each subscriber classification.

In the above example, the most frequently used insurance plan by subscriber classification is the standard design plan.However, other data mining techniques that can automatically extract the standard design plan by analyzing the data of the signed insurance plan that are continuously generated in the system are used. Could be

As described above, a standard design scheme is obtained for each subscriber classification and stored in the database 110.

The rule manager 140 receives the recommended insurance design items for the classification items of the subscriber classification as recommended rules and stores them in the database 110. In more detail, the recommended rule is characterized by consisting of the design items and item values of the recommended design plan if the conditional formula consisting of the classification categories of subscriber classification and the condition is satisfied.

Figure 7 illustrates the recommended rules of the present invention. As shown in FIG. 7, when the value of the item is less than 1 million won in the own vehicle value classification item among subscribers, the limit of the own vehicle is designed to be 0 won. In other words, the rule does not include the host car. In addition, if the region of the subscriber's category is Gangnam-gu, Seoul, a rule is designed to set the object to 200 million. If your gender is female, it may be a rule to recommend better driver insurance.

In addition, it is also possible to enter a recommended rule to promote the new insurance product using the recommended rule. For example, if a new driver's insurance with more coverage is available to target a female or elderly member (of course, you can purchase a new driver's insurance even if you are not a man or a senior), then the gender of the category in the recommended rule If the category is 50 years old or older, enter the recommended rule to set the value of the new driver's insurance to the subscription category.

In particular, the recommendation rule has a merit that it is convenient to make a recommendation rule because it defines in the form of which design item to select for the condition for the classification item of the subscriber classification.

The design drafting unit 150 receives the subscriber information, finds the subscriber classification corresponding to the subscriber information, sets the standard design proposal of the corresponding subscriber classification as the reference design scheme, and recommends the rule corresponding to the classification item of the corresponding subscriber classification. If it is different from the above standard design, it is decided as recommended design. More specifically, the design proposal creation unit 150 has a recommended rule that satisfies the conditional expression for the classification items of the corresponding subscriber classification, the item value of the recommended rule and the item value of the reference design proposal for the design item of the recommended rule If different, it is characterized in that the design plan replaced with the item value in the reference design draft as the recommended design.

In the call center 183, when a counselor connects with a subscriber by telephone, the counselor obtains subscriber information from the subscriber and inputs the subscriber information into the design proposal creation unit 150. Subscriber information is usually obtained from the subscriber, such as social security number, name, address, and vehicle registration number. The design drafting unit 150 finds a subscriber classification corresponding to the subscriber information based on this. In other words, as previously seen, the seven digits after the resident registration number can be used to distinguish gender or to designate an area based on the address, or to access the database of the Insurance Development Institute and to use the vehicle registration number of the subscriber to violate accident history or traffic laws. Inquiry about the career.

As described above, when the subscriber classification for the subscriber is determined, the standard design proposal for the corresponding subscriber classification is obtained by referring to the standard design information stored in the database 110, and it is set as the basic design. And with reference to the recommended rules stored in the database 110, with respect to the category of the subscriber classification, if there is a recommended rule for the item value of the category is brought. That is, the corresponding recommended rules are rules in which the item value of the design item is the same as the item value of the classification item of the subscriber classification. Or, even if there are several conditional expressions of the recommended rule, each condition is a rule that satisfies the subscriber classification. If the item value of the design item of this Recommendation rule is different from the same as the item value of the design item of the above Basic Design Plan, all other design items of the Basic Design Plan follow the basic design plan, and only the other design items shall follow the design item value of the Recommended Rule. In principle, the design is recommended.

For example, it is assumed that the subscriber classification determined by the subscriber information is 26 years old or older, the gender is female, the area is Gangnam-gu, Seoul, and the vehicle value is less than 1 million won. Figure 8 illustrates the basic design and recommended design for the subscriber classification as described above.

The standard design scheme for the subscriber classification may be a basic design scheme as shown in FIG. 8. This is because the standard design is decided as the basic design. And since the own car value is less than 1 million won and the area is Gangnam-gu, Seoul, the recommended design 1 and the recommended design 2 are prepared by applying the rules 1 and 2 of FIG. 7.

The design proposal selecting unit 160 receives an input for selecting at least one final design plan from the basic design plan and the recommended design plan. In addition, before selecting the final design plan, the design plan selecting unit 150 receives a different item value for some design items of the basic design plan and adds the design plan replaced with the received item value as a recommended design plan, and the basic design plan. It is characterized by selecting one design among design and recommended design and designating it as basic design.

The design drafting unit 160 may show the basic design and the recommended design created in the design drafting unit 150 on the screen of the counselor of the call center 183. The counselor can consult with the subscriber (or client) about the insurance plan while looking at these plans.

In addition, the design proposal government 160 may calculate the insurance premiums for each insurance company for the insurance plans and show them on the screen of the counselor of the call center 183. Premium calculation is handled by the premium calculation government 184. The premium calculation unit 184 may store insurance premium calculation tables and formulas for each insurance company to calculate premiums, or may directly access an insurance company's insurance calculation server and obtain a calculated value. That is, the design proposal creation unit 150 requests the premium calculation unit 184 to calculate the premium and obtains a result value. The reason for calculating the premium and showing it on the screen of the counselor of the call center 183 is to assist in smoothly proceeding with the subscriber.

In other words, the basic design and the recommended design are not determined for the first time. Based on the basic design plan and the recommended design plan, the counselor may decide as the basic design plan that is determined by reflecting the design items desired by the subscriber during consultation with the subscriber. In addition, there are many recommended designs, or the counselor can grasp the intention of the subscriber during consultation with the subscriber, modify the recommended design, or decide to compress it with a few.

As described above, the basic design and the recommended design are finally selected by the counselor of the call center 183 as the final design.

The comparison estimate transmission unit 170 transmits a premium comparison quote for each insurance company to each of the customer's mobile terminal 180 for each of the one or more final designs selected by the design proposal selecting unit 160. The comparison estimate transmission unit 170 transmits the full text of the premium estimates of the selected design sequentially to the mobile terminal 180 of the customer using MMS (Multimedia Messaging System), or the premium of the final design proposal. A document having a comparison estimate as a design proposal page and a number of the mobile terminal 180 may be input to transmit a driving program showing a design proposal page corresponding to the selected number. In addition, the insurance premium comparison estimate of the design plan may indicate a design item different from the basic design plan if the design plan is a recommended design plan.

9 illustrates a comparison quote transmitted to a mobile terminal of a subscriber of the present invention. As shown in FIG. 9, the comparison estimate transmission unit 170 transmits the result of describing only the total premium for each insurance company to the mobile terminal for each final design plan in the design proposal selecting unit 160. And a brief explanation of how the recommended designs differ from the basic ones can be shown at the beginning of the recommended design to help the subscriber understand. It may also be sent at the beginning, at the very end, or immediately after the basic design, showing what the main design items of the basic design are. The key design items are the most basic and the design items that subscribers need to know about insurance design, and what are the major design items is decided in advance.

In addition, if there is an insurance company that does not provide for the design item, it is excluded from the comparison quote. For example, driver insurance, etc. are different for each insurer, so that different insurance details, that is, design items may be divided into driver insurance A, driver insurance B, and the like. In this case, one insurance company only provides driver insurance A, and the other insurance company only provides driver insurance B. However, if the recommended design recommends driver insurance B, a comparison of insurers providing only driver insurance B is made.

Here, how to set design items in exceptional cases will be described. In addition to the basic collaterals of auto insurance, there are cases in which insurance companies differ by insurance company, and there are many cases where the details vary. In addition, the driver's insurance may be set as a special contract together with the general auto insurance, and in some cases, the driver's insurance may be contracted separately from the auto insurance.

In this case, design items may be grouped together with similarities to be defined as one design item, or one design item may be meaningfully divided into several design items. If not, it may be regarded as an insurance product separate from auto insurance, and then managed as an independent insurance by separately managing standard design plans and recommended rules.

The method of sending the comparison quote to the subscriber's mobile terminal 180 may have various forms, but the present invention intends to provide two embodiments.

The first is to use MMS (Multimedia Messaging System) that can send long text messages to mobile terminals. Since it is possible to send the contents of a series of documents, it is a method of sending a message sequentially describing the comparative estimates of the basic design and the recommended design. Even in this case, the recommended design shall indicate in the header of the recommended design what design items differ from the basic design. In addition, a message describing what the main design items of the high-level design may be put at the end of the entire message or after the high-level design.

The second is to make each insurance plan into a page and press the number plate of the mobile terminal to view the page. In this case, a document composed of pages and a program that drives the document to be viewed as pages are transmitted together to the portable terminal. However, if the portable terminal has a built-in function of viewing a document composed of pages, only the characters composed of the pages are sent.

Navigating a page by number is for convenience. In other words, if you press 1, you can see the basic design, number 2 is recommended design 1, and number 3 is recommended design 2. In addition, the description of the main design items in the basic design can be displayed by pressing 0.

Figure 10 shows a preferred embodiment of the flow chart of the method of providing a comparison quote for each insurance company in the plan of the present invention. As shown in FIG. 10, the method of providing a comparative estimate for each insurance company in the plan of insurance according to the present invention includes: (a) analyzing the plan data already signed and determining and storing a standard plan for the classification of subscribers; (b) receiving and storing recommended insurance design items as recommended rules for classification items of subscriber classification; (c) receiving subscriber information and determining a subscriber classification corresponding to the subscriber information; (d) setting a standard design plan of the corresponding subscriber classification as a reference design plan, and preparing a recommended design plan to which the recommended rules are applied based on the reference design plan; (e) receiving an input for selecting at least one final design among the basic design and the recommended design; and (f) transmitting a premium comparison for each insurance company for each of the selected final designs to the mobile terminal of the customer.

Step (a) is characterized in that for each subscriber classification, the most frequent insurance design among the already concluded insurance plans belonging to the classification is defined as the standard design.

The step (b) is characterized in that the recommended rule consists of a conditional formula consisting of classification categories of subscriber classification and design items and item values of the recommended design plan if the conditional expression is satisfied.

In step (d), if there is a recommended rule that satisfies the conditional expression for the category of the corresponding subscriber classification, and the item value of the recommended rule and the item value of the reference design plan are different for the design item of the recommended rule, It is characterized in that the design plan replaced with the item value is designated as the recommended design plan.

In the step (e), before selecting the final design, the basic design plan and the recommended design plan are added to the recommended design plan after receiving other item values for some design items of the basic design plan and replacing them with the input item values. It is characterized by selecting one design among them and setting it as the basic design.

The step (f) is characterized in that for transmitting the full text of the insurance premium estimates of the selected design in sequence to the mobile terminal of the customer using the Multimedia Messaging System (MMS).

Another embodiment of the step (f) is to send a document that composes a premium comparison estimate of the final design plan as a design proposal page, and a drive program showing a design page corresponding to the selected number when the number of the mobile terminal is input; It is characterized by.

The insurance premium comparison estimate of the design plan is characterized by displaying design items different from the basic design plan if the design plan is a recommended design plan.

The items of the subscriber information include items related to driver's personal information including age, gender, region, driving range, items related to driving experience information including driving years, insurance years, accident history grades, law violation levels, Characterized in that it includes items relating to the vehicle information, including the vehicle model, model year, options, and own vehicle value.

In addition, the subscriber classification constitutes a classification item with the items of the subscriber information, and for each of the classification items, the classification items are classified into a predetermined range if the classification items are related to numerical information, and if the classification items are category information, they are classified into category values. It is characterized by the classification.

The design items of the proposal include items on collateral including persons, objects, vehicles, and offspring, items about 20 years of age or older, including age limit, couple limitations, and items related to driver special agreements. It is characterized by including.

For a part that is not described in the method of providing a comparison quote for each insurance company in the plan, the description of the comparison quote providing apparatus for each insurance company in the plan is referred to.

In addition, the recording medium that records the method of providing a comparison estimate for each insurance company in the insurance plan of the present invention receives the subscriber information received from the customer connected to the call center, and carries the comparison estimate by insurance company for at least one insurance plan. A recording medium recording a computer-based method for providing a comparative estimate of insurance plans to be transmitted to a terminal, the method comprising: (a) analyzing and designating a standard design plan for a classification of subscribers by analyzing already signed insurance design data; (b) receiving and storing recommended insurance design items as recommended rules for classification items of subscriber classification; (c) receiving subscriber information and determining a subscriber classification corresponding to the subscriber information; (d) setting a standard design plan of the corresponding subscriber classification as a reference design plan, and preparing a recommended design plan to which the recommended rules are applied based on the reference design plan; (e) receiving an input for selecting at least one final design among the basic design and the recommended design; and (f) transmitting a premium comparison for each insurance company for each of the selected final designs to the mobile terminal of the customer.

As mentioned above, although the invention made by this inventor was demonstrated concretely according to the said Example, this invention is not limited to the said Example and can be variously changed in the range which does not deviate from the summary.

1 shows a configuration of a system for relaying a conventional insurance product.

2 is a flowchart illustrating a conventional insurance design method in which a subscriber can freely select an insurance design item.

3 shows an insurance selection screen of an insurance design estimating system using a conventional web server.

4 illustrates examples of classification items and item values of the subscriber classification of the present invention.

5 illustrates the design items and item values of the insurance design proposal of the present invention.

Figure 6 shows a preferred embodiment of the schematic diagram of the present invention provides a comparison quote for each insurance company's insurance plan.

Figure 7 illustrates the recommended rules of the present invention.

8 illustrates the basic design and recommended design of the present invention.

9 illustrates a comparison quote transmitted to a mobile terminal of a subscriber of the present invention.

Figure 10 shows a preferred embodiment of the flow chart of the method of providing a comparison quote for each insurance company in the plan of the present invention.

Claims (21)

In the device for providing a comparison estimate for each insurance company in the insurance plan for receiving the subscriber information received from the customer connected to the call center and transmits the comparison quote for each insurance company to the mobile terminal of at least one insurance plan, A standard design drafting unit which analyzes insurance plan data already concluded and sets and saves a standard design plan for subscriber classification; A rule management unit which receives the recommended insurance design items for the classification items of the subscriber classification and stores them as recommended rules; A design drafting unit for finding a subscriber classification corresponding to the subscriber information by receiving subscriber information, setting a standard design plan of the corresponding subscriber classification as a reference design plan, and creating a recommended design plan applying the recommendation rule based on the reference design plan; A design plan government that receives an input for selecting at least one final design plan from the basic design plan and the recommended design plan; A comparison quote transmission unit configured to calculate a premium for each insurance company for each of the final designs and to prepare a comparison quote and transmit the comparison quote to the mobile terminal of the customer; Apparatus for providing a comparative quote for each insurance company in the plan of insurance, comprising a. The method of claim 1, wherein the standard design drafting unit, Apparatus for providing a comparative estimate for each insurance classification of insurance plans for each subscriber classification, the insurance plan with the highest frequency among the already concluded insurance plans belonging to the classification is set as the standard design. The method of claim 1, wherein the rule management unit, Apparatus for providing a comparative estimate for each insurance company according to the insurance plan, characterized in that the recommended rule consists of a conditional formula consisting of the classification items of the subscriber classification and the recommended design item and item value of the design plan if the conditional expression is satisfied. According to claim 3, The design drafting unit, If there is a recommended rule that satisfies the conditional expression for the category of the corresponding subscriber classification, and the item value of the recommended rule and the item value of the reference design plan are different for the design item of the recommended rule, the design plan replaced with the item value in the reference design plan. Apparatus for providing a comparative estimate for each insurance company in the insurance plan, characterized in that the designation of the recommended design. The method of claim 1, wherein the design proposal government, Before selecting the final design, Some design items of the basic design plan can be inputted as other design values and replaced with the inputted item values as recommended design plans, and one of the basic design plans and recommended design plans can be selected as the basic design plan. Apparatus for providing a comparative estimate for each insurance company in the plan of insurance, characterized in that there is. The method of claim 1, wherein the comparison estimate transmission unit, Apparatus for providing a comparison quote for each insurance company of the insurance plan, characterized in that for transmitting the full text of the premium estimates of the selected design in order to the mobile terminal of the customer using a multimedia messaging system (MMS). The method of claim 1, wherein the comparison estimate transmission unit, Providing a comparison estimate by insurance company for the insurance plan, characterized in that the insurance premium estimates of the final design proposal to write a page for each design proposal, and the program inputs the number of the mobile terminal showing the design page corresponding to the selected number Device. The method according to claim 6 or 7, The insurance premium comparison estimate of the plan is a comparison quote provided by each insurance company of the insurance plan, characterized in that it displays a design item different from the basic design if the plan is a recommended design. The method of claim 1, The item of the subscriber information, Items about driver's profile, including age, gender, region, and driving range, Items related to driving experience information, including training years, insurance years, accident history grades, and legal violations, Items related to vehicle information including model, year, option, and own vehicle value It includes; The subscriber classification is, A classification item is composed of the items of the subscriber information, For each of the classification items, if the classification items are related to the numerical information and classified into a predetermined range, and if the classification items are related to the category information is classified into category values; providing a comparison estimate for each insurance company by insurance companies. The method of claim 1, The design items of the design proposal, Items on collateral, including the person, object, car, and offspring, Items for ages 20 and over, including all ages, Items related to driver's license including couple limitation, self-limitation, Apparatus for providing a comparative quote for each insurance company in the plan of insurance, comprising a. In the method of providing a comparison estimate by insurance company in the insurance plan that receives the subscriber information received from the customer connected to the call center and transmits the comparison quote by insurance company to the mobile terminal of at least one insurance plan, (a) analyzing the insurance design data already concluded and determining and storing a standard design plan for the subscriber classification; (b) receiving and storing recommended insurance design items as recommended rules for classification items of subscriber classification; (c) receiving subscriber information and determining a subscriber classification corresponding to the subscriber information; (d) setting a standard design plan of the corresponding subscriber classification as a reference design plan, and preparing a recommended design plan to which the recommended rules are applied based on the reference design plan; (e) receiving an input for selecting at least one final design among the basic design and the recommended design; (f) transmitting a premium comparison for each insurance company for each of the selected final designs to the mobile terminal of the customer; Method of providing a comparative quote for each insurance company in the insurance plan, characterized in that it comprises a. The method of claim 11, wherein the step (a), A method of providing a comparative estimate for each insurance classification of insurance plans for each subscriber classification, wherein the insurance plan with the highest frequency among the already concluded insurance plans belonging to the classification is set as the standard design plan. The method of claim 11, wherein step (b) comprises: A method of providing a comparative estimate by insurance company for an insurance plan, comprising a recommendation rule consisting of a conditional formula consisting of classification categories of subscriber classification and a design item and an item value of the design plan recommended if the conditional expression is satisfied. The method of claim 13, wherein step (d) If there is a recommended rule that satisfies the conditional expression for the category of the corresponding subscriber classification, and the item value of the recommended rule and the item value of the reference design plan are different for the design item of the recommended rule, the design plan replaced with the item value in the reference design plan. A method of providing a comparative estimate for each insurance company in the insurance plan, characterized in that the designation of the recommended design. The method of claim 11, wherein step (e) Before selecting the final design, Some design items of the basic design plan can be inputted as other design values and replaced with the inputted item values as recommended design plans, and one of the basic design plans and recommended design plans can be selected as the basic design plan. A method of providing a comparative estimate for each insurance company in the plan of insurance, characterized in that there is. The method of claim 11, wherein step (f) comprises: A method of providing a comparative estimate for each insurance company of the insurance plan, characterized in that the transmission of the full text of the premium estimates of the selected design in order to transmit to the mobile terminal of the customer using a multimedia messaging system (MMS). The method of claim 11, wherein step (f) comprises: Providing a comparison estimate by insurance company for the insurance plan, characterized in that the insurance premium estimates of the final design proposal to write a page for each design proposal, and the program inputs the number of the mobile terminal showing the design page corresponding to the selected number Way. The method according to claim 16 or 17, The insurance premium comparison estimate of the plan is a method of providing a comparison quote for each insurance company of the insurance plan, characterized in that it displays a design item different from the basic design if the plan is a recommended design. The method of claim 11, The item of the subscriber information, Items about driver's profile, including age, gender, region, and driving range, Items related to driving experience information, including training years, insurance years, accident history grades, and legal violations, Items related to vehicle information including model, year, option, and own vehicle value It includes; The subscriber classification is, A classification item is composed of the items of the subscriber information, For each of the classification items, if the classification items are related to numerical information, classify them into a predetermined range, and if the classification items are related to category information, classify them into category values. The method of claim 11, The design items of the design proposal, Items on collateral, including the person, object, car, and offspring, Items for ages 20 and over, including all ages, Items related to driver's license including couple limitation, self-limitation, Method of providing a comparative quote for each insurance company in the insurance plan, characterized in that it comprises a. A computer-readable recording medium on how to provide a comparison estimate for each insurance company in an insurance plan that receives subscriber information received from a customer connected to a call center and transmits a comparison quote for each insurance company to at least one insurance plan. In (a) analyzing the insurance design data already concluded and determining and storing a standard design plan for the subscriber classification; (b) receiving and storing recommended insurance design items as recommended rules for classification items of subscriber classification; (c) receiving subscriber information and determining a subscriber classification corresponding to the subscriber information; (d) setting a standard design plan of the corresponding subscriber classification as a reference design plan, and preparing a recommended design plan to which the recommended rules are applied based on the reference design plan; (e) receiving an input for selecting at least one final design among the basic design and the recommended design; (f) transmitting a premium comparison for each insurance company for each of the selected final designs to the mobile terminal of the customer; A computer-readable recording medium of a method of providing a comparison quote for each insurance company in the plan of insurance, comprising: a.

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