KR20160050573A - Server and user equipment for providing healthcare insurance and computer program thereof - Google Patents

Abstract

A computer program stored in a computer-readable medium to provide health care service and insurance benefit information according to an embodiment of the present invention is provided. Such computer program comprises commands to make a computer perform the following operation. The computer program is able to receive user information containing health data of a user who has finished health authentication by using a health check module by predetermined period. The health data contained in the received user information can be mapped into a health level of a predetermined plurality of health levels. At least one customized insurance benefit information to be provided to the user can be determined at least partially based on the currently mapped health level and previously mapped health level.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a server, a user terminal, and a computer program for providing health care insurance products,

The present invention relates to a healthcare insurance product, and more particularly, to a server, a user terminal, and a computer program therefor for providing a healthcare insurance product.

People living in modern society are threatened by various accidents that may arise at any time. Insurances are a system designed to preserve such losses when an economic accident occurs mainly due to an accident involving a person's life or property. These insurance schemes are a social form of economic preparation that helps people maintain a stable family life. However, since insurance is an intangible product that does not have a form, it does not generate a desire for immediate purchase. In addition, it is not easy to voluntarily join an insurance product because it is not easy for each individual to have different risks and accurately predict the risk factors. Therefore, it is necessary to recognize that the inscriptions to be insured should be recognized as intangible goods, and should be used as a device to prevent the risk from a long-term viewpoint.

In addition, since insurance is generally a long-term commodity, unlike the savings of a bank, the insurance premium is not determined merely by the interest rate. The subsidy is generally determined by an additional variable, risk.

In the case of insurance companies, they usually have a profit structure in the form of payment insurance + business expenses + new contract maintenance costs = premiums paid. In addition, consumers are paying the same premiums, but due to the nature of the insurance product, there may be an irrationality that healthy consumers may not receive substantial benefits over unhealthy consumers. For this reason, consumers who are in a healthy state are avoiding insurance coverage, and insurance companies have difficulty in recommending insurance.

In addition, various devices that perform healthcare functions are emerging in the development of modern society. Accordingly, users can easily grasp the personal health information, and can detect the risk of the predicted disease in advance.

As described above, in accordance with the trend of the times, insurance companies also need to provide various types of consumer health care services as well as insurance product sales services. There is also a need to develop insurance products that can provide benefits to healthy consumers. In addition, in the case of insured insured in order to provide the family's economic safeguards against the risks of illness and accidents, it is necessary to provide the consumer with a method of preventing them from the risk of illness and accident, There is a need. In addition, if the insurance company that does not have special information about the health status and the probability of accident of the insured person worsens the insurance finances by inserting a person with high probability probability and accident probability) There is a need in the industry to introduce an effective system or insurance product to ensure that there is no financial harm to consumers with legitimate rights.

The present invention is intended to provide an insurance product that benefits when it is healthy based on the health condition of the user and provides a guarantee when the patient is sick.

The present invention is for the insurance company to continuously manage the health of the insured person, thereby calling for the health promotion needs of the insured person, and to increase the sales of the insurance company and increase the image of the insurance company.

A computer program for providing healthcare service and insurance benefit information according to an embodiment of the present invention for realizing the above-mentioned problems is disclosed. The computer program may receive user information including health data of a user who has performed health certification using a health check module in a predetermined period. The health data included in the received user information may be mapped to one of the predetermined plurality of health levels. And determine one or more customized coverage information to provide to the user based at least in part on the current mapped health level and the previously mapped health level.

According to another embodiment of the present invention, a computer program for providing healthcare service and insurance benefit information is disclosed. Wherein the computer program is stored in a computer-readable medium to cause a computer to map user information including health data of a user who has performed health certification using the health check module to one of a plurality of health levels , And can be transmitted to the server in units of a predetermined period. And to receive from the server one or more tailored insurance benefit information to provide to the user, the insurance premium information being generated based at least in part on the mapped health level and the previously mapped health level.

According to another embodiment of the present invention, a user terminal for providing healthcare service and insurance benefit information is disclosed. Wherein the user terminal maps user information including health data of a user who has performed health authentication using the health check module to one health level among a plurality of predetermined health levels and transmits the same to a server in a predetermined period unit And a transmitting unit. And receiving from the server one or more tailored insurance benefit information to provide to the user, the service level information being generated based at least in part on the mapped health level and the previously mapped health level.

According to another embodiment of the present invention, a user terminal for providing healthcare service and insurance benefit information is disclosed. The user terminal may include a receiving unit that receives user information including health data of a user who has performed health certification using the health check module on a predetermined period basis. Mapping the health data contained in the received user information to one of a plurality of predetermined health levels and providing the user with at least one of the mapped health level and the previously mapped health level And to determine one or more customized insurance benefit information to be provided. And an output unit outputting the determined customized insurance benefit information.

According to another embodiment of the present invention, a healthcare server for providing healthcare service and insurance benefit information is disclosed. The healthcare server may include a receiving module that receives user information including health data of a user who has performed health certification using a health check module on a predetermined period basis. And mapping the health data contained in the received user information to one of a plurality of predetermined health levels and providing the health data to the user based at least in part on the mapped health level and the previously mapped health level And may include a control module that determines one or more customized benefit information. And a transmission module for transmitting the customized insurance benefit information.

According to one embodiment of the present invention, an insurance product can be provided that benefits when it is healthy based on the health condition of the user and gives a guarantee when the user is sick.

According to one embodiment of the present invention, the insurance company can keep the health of the insured person constant, thereby evoking the health promotion need of the insured person, enhancing the sales of the product and improving the image.

Figure 1 illustrates an overall system in accordance with an embodiment of the present invention.
Figure 2 illustrates components of a user terminal in accordance with an embodiment of the present invention.
FIG. 3 illustrates components of a healthcare server according to an embodiment of the invention.
FIG. 4 illustrates a method for providing a healthcare insurance service (insurance product) according to an embodiment of the present invention.
5 illustrates a flowchart of a method for providing insurance benefit information in accordance with an embodiment of the present invention.
6 shows a flowchart of a method for providing health health information according to an embodiment of the present invention.
FIG. 7 shows a flowchart of a method for providing a health game according to an embodiment of the present invention.
FIG. 8 illustrates a screen of a user interface that can be output from a user terminal according to an exemplary embodiment of the present invention.

Various embodiments and / or aspects are now described with reference to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will also be appreciated by those of ordinary skill in the art that such aspect (s) may be practiced without these specific details. The following description and the annexed drawings set forth in detail certain illustrative aspects of one or more aspects. It is to be understood, however, that such aspects are illustrative and that some of the various ways of practicing various aspects of the principles of various aspects may be utilized, and that the description set forth is intended to include all such aspects and their equivalents.

In addition, various aspects and features will be presented by a system that may include multiple devices, components and / or modules, and so forth. It should be understood that the various systems may include additional devices, components and / or modules, etc., and / or may not include all of the devices, components, modules, etc. discussed in connection with the drawings Must be understood and understood.

As used herein, the terms "an embodiment," "an embodiment," " an embodiment, "" an embodiment ", etc. are intended to indicate that any aspect or design described is better or worse than other aspects or designs. . As used herein, the terms 'component,' 'module,' 'system,' 'interface,' and the like generally refer to a computer-related entity and include, for example, hardware, It can mean software.

In addition, the term "or" is intended to mean " exclusive or " That is, it is intended to mean one of the natural inclusive substitutions "X uses A or B ", unless otherwise specified or unclear in context. That is, X uses A; X uses B; Or when X uses both A and B, "X uses A or B" can be applied to either of these cases. It should also be understood that the term "and / or" as used herein refers to and includes all possible combinations of one or more of the listed related items.

It is also to be understood that the term " comprises "and / or" comprising " means that the feature and / or component is present, but does not exclude the presence or addition of one or more other features, components and / It should be understood that it does not. Also, unless the context clearly dictates otherwise or to the contrary, the singular forms in this specification and claims should generally be construed to mean "one or more. &Quot;

As used herein, the terms "information" and "data" are often used interchangeably.

In addition, the terms "client", "customer" and "user", as used herein, are often used interchangeably. Furthermore, the terms "component" and "element ", as used herein, are also often used interchangeably.

Figure 1 illustrates an overall system 100 in accordance with one embodiment of the present invention.

1, the system 100 may comprise a user terminal 101, a healthcare server 103, a network 107 and a user 105. The user terminal 101,

According to an embodiment of the present invention, the user terminal 101 may be a user equipment, a mobile, a PC, a mobile phone, a kiosk, a cellular phone, a cellular, a cellular terminal, a subscriber unit, , A PDA, a remote terminal, an access terminal, a user agent, a portable device having a wireless connection capability, any device capable of using a wireless connection mechanism, such as a wireless modem, and the like. In a further aspect of the invention, the user terminal 101 may comprise a health check module 105. [

It should also be appreciated that the components that make up the system 100 shown in Figure 1 are illustrative and that only some of the components may constitute the system 100 or that additional components ). For example, the healthcare server 103 may include an Enterprise Application Integration (EAI) server, a result data receiving server of an external search engine, a hospital server, an insurance company server, a call center server, and / or a billing server. In addition, the healthcare server 103 according to an aspect of the present invention may include a call center server (not shown) so that the information and / or data collected from the server may include information and / or data collected from the call center server .

The terms "system" and "network ", as used herein, are often used interchangeably.

The network presented here may be a Public Switched Telephone Network (PSTN), a Digital Subscriber Line (xDSL), a Rate Adaptive DSL (RADSL), a Multi Rate DSL (MDSL), a Very High Speed DSL Asymmetric DSL, High Bit Rate DSL, and Local Area Network (LAN).

In addition, the network shown here can be classified into a Code Division Multiple Access (CDMA), a Time Division Multi Access (TDMA), a Frequency Division Multiple Access (FDMA), an Orthogonal Frequency Division Multiple Access (OFDMA), a Single Carrier- Various wireless communication systems such as other systems may be used.

The techniques described herein may be used in other networks as well as in the networks mentioned above.

The network 107 according to an aspect of the present invention may be configured without regard to its communication mode such as wired and wireless, and may be connected to various communication networks such as a personal area network (PAN), a wide area network (WAN) . Also, the network 107 may be a known World Wide Web (WWW) or may use a wireless transmission technology used for short-distance communication such as infrared (IrDA) or Bluetooth have.

According to an embodiment of the present invention, the healthcare server 103 may receive the health data of the user using the health check module 105. [

In accordance with one aspect of the present invention, the healthcare server 103 may map to one of a plurality of predetermined health levels based on the information of the user. In addition, the healthcare server 103 may determine insurance benefit information based on the mapped health level. The healthcare server 103 may also determine insurance benefit information based on health data and health levels. The insurance benefit information will be described later with reference to FIG.

According to one embodiment of the present invention, the health level may be determined based at least in part on statistical data formed by analyzing information of health information and identification information collected from a plurality of insured subscribers. For example, a health level can be set based on the age, gender, family history, illness and accident sequelae of existing insured persons. The health level will be described later in FIG.

  In one aspect of the present invention, the healthcare server 103 can transmit and receive various information through the user terminal 101 and the network 107. [ Such various information may include, for example, user's health data, health level, identification information, acquaintance information, health information, group information, group health data information, health game information, insurance benefit information, insurance information, , Recommended insurance information, and contract information.

The above-described information may be input via the user terminal 101 or the health check module 105 or may be generated by the healthcare server 103. The above-described information may be stored in a database of the healthcare server 103 or a computer-readable storage medium. According to one aspect of the present invention, a computer-readable storage medium may be included in the user terminal 101 or the health check module 105. [

Such storage media may include any type of storage medium in which programs and data are stored so that they can be read by a computer system. According to one aspect of the present invention, such medium may be a ROM (Read Only Memory), a RAM (Random Access Memory), a CD (Compact Disk) -ROM, a DVD Storage devices, and the like, and may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Additionally, such media may be distributed over a system coupled to the network 107 and may store computer readable codes and / or instructions in a distributed manner.

In an embodiment of the present invention, when a specific application distributed by a specific insurance company is installed and executed in the user terminal 101, the server (or the server) 103 may communicate with each other through the user terminal 101 and the network 107. [

According to an aspect of the present invention, the health check module 105 may generate and transmit user information including health data to the healthcare server 103. The health check module 105 may also transmit the user information to a user terminal and a personal computer. In addition, health check module 105 may transmit the user information using Bluetooth, NFC module and / or online. In addition, the health check module 105 may transmit the user information on a predetermined time period basis. The health check module 105 may also transmit the user information in real time.

For example, the health check module 105 may include an RFID chip that may be mounted on a user's body. The RFID chip refers to a chip capable of measuring health data of a user and transmitting measured health data by a distance using radio waves. The health check module 105 may directly transmit the measured health data to the user terminal 101. In addition, the health check module 105 may include an RFID tag and / or an RFID reader. Accordingly, the health check module 105 may transmit the measured health data to the user terminal 101 via the RFID reader. The health check module 105 may transmit the health data to the user terminal 101 via the RFID tag. In addition, the health check module 105 may send the measured health data to the healthcare server 103. The health check module 105 may also be included in the user terminal.

According to one embodiment of the present invention, the health check module 105 may include a smart band, a fitness earpiece, a personal medical device, a smart skin meter, a fitness instrument equipped with a smart sensor, a smart scale, Or the like.

According to an embodiment of the present invention, the user information may include health data. In addition, the user information may include identification information, insurance information, user's acquaintance information, and the like. For example, the identification information may include the age, occupation, residence area, telephone number, resident registration number, etc. of the user. In addition, insurance information may include life insurance, fire insurance, auto insurance, etc. that are already existing. In addition, the insurance information may include one piece of data that summarizes the outcomes of the insurance policies described above. In addition, the user's personal information may include data from family members, friends, meetings, clubs, and companies. Also, the user information may not be limited to the information described above. In addition, the user information may be shared with at least some of the group members having a predetermined relationship.

In a further aspect of the invention, the health data may include anthropometric data, biometric data, momentum data, and the like. In addition, the body measurement data may include data such as height, weight, waist circumference, hip circumference, and the like. In addition, biometric data may include data such as heart rate, respiration, body temperature, water status, and blood pressure. The exercise amount data may include data such as the number of steps, travel distance, and calorie consumption. For example, the health data may further include oral administration data, drinking measurement data, skin management data, body fat percentage and body mass data, and user sleep data. In addition, the health data may further include other data. Such health data may include various kinds of data and is not limited to the above-mentioned data.

In a further aspect of the present invention, health check module 105 may generate and transmit health data in real time to the hospital server. Additionally, the health check module 105 may send user information including health data to the doctor and caregiver terminal. The health check module 105 may also transmit the user information to a hospital server previously designated using the network 107. In addition, the health check module 105 may transmit the user information to the user terminal and transmit it to the predetermined hospital server, doctor terminal, and guardian terminal.

In a further aspect of the present invention, the health check module 105 may comprise a liquid crystal display. Accordingly, the health check module can output the user's health data on the liquid crystal screen. In addition, the health check module can be controlled by touching the liquid crystal screen. In addition, the health check module may generate audible beeps and vibrations that are perceived by the user if the health data exceeds a predetermined health data value. If the health check module 105 exceeds the predetermined health data value or more, the health check module 105 can automatically transmit the health care server 103, the hospital server, the user terminal, the doctor terminal, and the guardian terminal.

Figure 2 illustrates the components of the user terminal 101 in accordance with one embodiment of the present invention.

As shown in FIG. 2, the user terminal 101 accesses the healthcare server 103 or communicates with an insurance company server to generate health health information, insurance benefit information, health game, health level, and the like / RTI > The user terminal 101 may also enter into a contract for a financial product (e.g., an insurance product), or may enter into a contract for a financial product (e.g., an insurance product) or may include information about insurance product information, contract information, contract information, identification information, Can refer to all types of devices that can be stored, retrieved, or created.

The components of the user terminal 101 are connected to the reception unit 201, the transmission unit 203, the control unit 205, the output unit 207, the database unit 209 and the health check module 105 according to the embodiment of the present invention Lt; / RTI > In addition, the user terminal 101 may not include the health check module 105. In addition, the user terminal 101 may be used in conjunction with and separation from the health check module 105.

According to an aspect of the present invention, the receiving unit 201 may receive health data measured by the health check module 105. [ For example, the receiving unit 201 may receive biometric data of heart rate, respiration, body temperature, moisture state, and blood pressure. In addition, the receiving unit 201 can receive biometric data such as heart rate, respiration, water status and blood pressure. In addition, the receiving unit 201 may receive exercise data such as the number of steps, the moving distance, the moving speed, the calorie consumption, and the moving time. In addition, the receiving unit 201 may further include other data. For example, the receiving unit may further receive at least one of oral administration data, drinking measurement data, skin management data, body fat percentage and body mass data, and user sleep data.

According to an embodiment of the present invention, the receiving unit 201 may receive health data using the network 107 at a predetermined hospital server. In addition, the health data on the hospital server may be data on previously diagnosed disease names. It may also be data on the name of the disease currently being treated. For example, if the user is being treated for a bowel disease, the receiving unit 201 may receive health data from the hospital server, such as treatment data on the bowel disease currently being treated, treatment period, number of treatments, current status, Health data such as a medical comment can be received. In addition, the receiving unit 201 may receive health data such as treatment data on a previously treated intestinal disease, a treatment period, the number of treatments, a complete state and a current state, a prescription, and a medical comment of a doctor in charge. In addition, the health data on the hospital server may contain data on the predicted disease.

According to an aspect of the present invention, the receiving unit 201 may receive health data measured in a personal medical device. For reference, a personal medical device may include a blood glucose meter, a medical bed, a blood pressure meter, a heart rate meter, an oxygen saturation meter, a low frequency therapy device, and the like. Accordingly, the receiving unit 201 can receive health data currently being treated in the personal medical device. For example, the receiving unit 201 may receive health data such as blood glucose, heart rate, blood pressure, and oxygen saturation measured in a personal medical device. Such a personal medical device may be included in the health check module 105.

In a further aspect of the present invention, the user terminal 101 may measure anemia data, biometrics data, and momentum data. The anthropometric data described herein may include data such as height, weight, waist circumference, and hip circumference. In addition, biometric data may include data such as heart rate, respiration, body temperature, water status, and blood pressure. The exercise amount data may include data such as the number of steps, travel distance, and calorie consumption. In addition, the health data may further include data other than the above-mentioned data. For example, the health data may further include oral administration data, drinking measurement data, skin management data, body fat percentage and body mass data, and user sleep data.

The receiving unit 201 may receive feedback information or data transmitted from the healthcare server 103 via the network 107 according to an embodiment of the present invention. The information or data described herein may include at least one of insurance benefit information, group information, health health information, and health game information. In addition to the health care server 103, the receiving unit 201 may receive additional information or data from an insurance company server, a hospital server, a doctor terminal, a guardian terminal, or the like.

According to a further embodiment of the present invention, the receiving unit 201 may receive payment information on insurance premiums for the insurance the user is subscribed to. Also, the receiving unit 201 can receive the insurance premiums from servers other than the insurance company server and the healthcare server.

The user terminal 101 may include a transmitter 203 according to an embodiment of the present invention. In addition, the transmission unit 203 receives, from the user terminal 101 via the network 107, The user information can be transmitted to the server and the terminal. For example, the transmission unit 203 may transmit the user information including the health data to the healthcare server 103, the insurance company server, the doctor terminal, and the guardian terminal. The information transmitted from the transmission unit 203 may include information retrieved from the database unit 209 when necessary.

According to a further embodiment of the present invention, when the health condition of the user deteriorates or an emergency occurs, the transmission unit 203 may receive an emergency call at 119. For example, if a user has a heart attack, 119 will send the emergency text and current location to the 119 server. In addition, the transmitter 203 may automatically transmit a message to help grouped users at close distances. In addition, the transmission unit 203 may transmit data such as heart attack symptoms, pulse rate, blood pressure, etc. to a hospital server predetermined in advance. This is to make it possible for the user to receive emergency medical treatment at a hospital promptly when he arrives at the hospital.

The transmitter 203 and the receiver 201 of the user terminal 101 can communicate with the healthcare server 103 and other insurance company servers via the network 107 as described above. The transmission unit 203 and the reception unit 201 can also communicate with other servers and the like via the network 107 (e.g., a hospital server).

The receiving unit 201 and the transmitting unit 203 may include a wired / wireless Internet module for connection to the network 107. For example, WLAN (Wireless LAN) (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) For example, a wired Internet technology may be a digital subscriber line (XDSL), a fiber to the home (FTTH), or a power line communication (PLC).

The receiving unit 201 and the transmitting unit 203 may transmit data to and receive data from an electronic device including a short distance communication module and located relatively close to the healthcare server 103. Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, and the like can be used as a short range communication technology.

In an aspect of the present invention, the data or message received via the receiving unit 201 may be stored in the database unit 209, or may be transmitted to other electronic devices located near by the local communication module.

The user terminal 101 may include a control unit 205 according to an embodiment of the present invention. In addition, the control unit 205 may analyze the health level information, the health health information, the insurance benefit information, and the health game information received by the receiving unit 201 from the healthcare server 103 and store them in the database unit 209 . Also, the control unit 205 may calculate statistical data based on data stored in the database unit 209. [ For example, the control unit 205 may generate and store statistical data comparing previous health level information with current health level information. Also, the control unit 205 may store the received insurance benefit information, and may store data for comparing and analyzing the change in the insurance benefit when the user's health level and health data are changed, in the database unit 209. [ In this case, the user may be able to provide the user with the need for health promotion by recognizing that the health benefits can be increased and diversified.

According to a further aspect of the present invention, the control unit 205 may generate feedback information based on the health data received from the health check module 105 by the receiving unit 201. [ The feedback information may include health health information, insurance benefit information, health game information, health level information, and the like. Also, the feedback information generated by the control unit 205 may be transmitted from the transmission unit 203 to the healthcare server 103. In addition, the control unit 205 may store the generated feedback information in the database unit 209. Also, the control unit 205 may calculate statistical data based on data stored in the database unit 209. [ For example, the control unit 205 may compare the previous health data with the current health data, and analyze and store data such as health level and insurance benefit information.

According to an embodiment of the present invention, the control unit 205 can receive and analyze information of a user's pre-designated information from the healthcare server 103. The pre-designated user's acquaintance information refers to data transmitted to the healthcare server 103 according to a recommendation of the user. The pre-designated user's acquaintance information described herein can refer to a family member, a friend, an acquaintance, a group, users having the same health level, and users having the same disease. In addition, the control unit 205 can group previously-specified user's information. In addition, the control unit 205 may analyze statistical data by analyzing the information of the grouped users. This is to create a group that needs to be managed so that users can exchange information on disease and accident sequelae interactively. In addition, it is possible to create a medium that evokes the needs of users for prevention of diseases and accidents.

According to a further embodiment of the present invention, the control unit 205 may generate a health game that can be enjoyed with grouped users. Also, the control unit 205 may generate a health game that can be enjoyed by users who are not grouped by using online. A description of the above-described health game will be described later with reference to FIG.

According to an embodiment of the present invention, the user terminal 101 includes an output unit 207 capable of outputting user information. The output unit 207 may be a liquid crystal display. Accordingly, the user terminal 101 can output the user's health data to the liquid crystal display. In addition, the user terminal 101 can be controlled by touching the liquid crystal screen. In addition, the user terminal 101 may generate a notification sound and vibration that the user can perceive if it exceeds a predetermined health data value. Also, the output unit 207 can generate a notification sound and vibration according to new health health information, health benefit information, and health level change.

In an aspect of the present invention, the database unit 209 can be connected to other components of the user terminal 101. [ In addition, the database unit 209 may include one or a plurality of databases. Optionally or alternatively, a database portion 209 containing part or all of the information may be located within the user terminal 101. Also, the database unit 209 may exist independently from the user terminal 101. In this case, the database unit 209 can communicate with the user terminal 101.

In an aspect of the present invention, the database unit 209 may include a flash memory type, a hard disk type, a multimedia card micro type, a card type memory A random access memory (SRAM), a random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) A magnetic disk, a magnetic disk, an optical disk, or the like. In a further aspect of the present invention, the user terminal 101 may operate in association with a web storage that performs the storage function of the database module 209 on the Internet.

The user terminal 101 may include a health check module 105, according to one embodiment of the present invention. For example, the user terminal 101 may be manufactured integrally with the health check module 105. And may be formed in a structure (for example, an interior decoration or a detachable structure) in which the user terminal 101 and the health check module 105 are combined. In this case, the user terminal 101 and the health check module 105 may be connected by wire or wireless to generate and transmit health data.

FIG. 3 illustrates components of a healthcare server 103 in accordance with an embodiment of the present invention.

The healthcare server 103 according to an aspect of the present invention may include a call center server, a result data receiving server of an external search engine, a Speech To Text (STT) server, a hospital server, an insurance company server, .

According to an aspect of the present invention, the healthcare server 103 may include a receiving module 301, a controlling module 303, a transmitting module 305, and a database module 307.

The components of the healthcare server 103 are exemplary in FIG. 2, and only some of the components may constitute the healthcare server 103, or additional components (s) (103).

The healthcare server 103 may include a receiving module 301 according to an embodiment of the present invention. The receiving module 301 may receive user information including health data generated by the health check module 105 and the user terminal 101. [ In addition, the reception module 301 can receive health data from a hospital server, a doctor terminal, a guardian terminal, and the like, which are designated in advance.

In a further aspect of the present invention, the receiving module 301 may collect and / or receive information relating to insurance (e.g., terms information, product information, customer identification information, etc.) from an external server via the network 107. In addition, the receiving module 301 may receive an access request message and / or an inquiry request message for various information from the user terminal 101.

In one aspect of the present invention, the receiving module 301 may be implemented in units of a predetermined period or period (e.g., day, week, month, quarter, half or year). For example, if the predetermined period is "days ", user information including the user ' s health data may be stored in the database module 307 in units of days. Thus, the received user information may be evaluated, updated, and / or removed in a predetermined period of time. In addition, the receiving module 301 may update the user information measured every hour in real time.

The control module 303 may control overall operations of the healthcare server 103 according to an embodiment of the present invention. The control module 303 may store the data received and collected by the receiving module 301 in the database module 307. [ In addition, the control module 303 may parse the data received by the receiving module 301 to generate feedback information and the like. Generating such feedback information may be performed by retrieving the necessary information from the database module 307. [

The control module 303 may generate feedback information from the health check module 105 and the user information transmitted from the user terminal 101 according to a further embodiment of the present invention. The feedback information may include information such as insurance benefit information, health health information, health level, health game, and the like.

According to one embodiment of the present invention, the control module 303 may categorize the collected insurance related data into one or more groups according to predetermined reference information. Specifically, the categorization is an operation prior to extracting keywords for the collected insurance-related data, and grouping and classifying the data by the predetermined reference information to systematically and analytically process the collected insurance-related data . ≪ / RTI >

According to an embodiment of the present invention, the predetermined reference information may include at least one of age information, occupation information and local information for a plurality of users, and information on the insurance-related data. In particular, the information on the insurance-related data may include data generated and / or stored. In addition, the control module 303 may store the generated feedback information in the database module 307. In addition, the control module 303 may calculate statistical data based on data stored in the database module 307. For example, the control module 303 may compare the previous health data with current health data, and analyze and store data such as health level, insurance benefit information, and the like.

In a further aspect of the present invention, the sending module 305 of the healthcare server 103 may transmit the feedback information analyzed by the control module 303 to the user terminal 101 based on the user information. In addition, the sending module 305 may transmit the feedback information to at least one of a hospital server, grouped users, a doctor terminal, and a guardian terminal. Also, the transmission module 305 may transmit user information including health data of the user to an insurance company server.

In one aspect of the present invention, the sending module 305 may send a response message to the user terminal 101 in response to the user's request message (e.g., an access request message). That is, the transmission module 305 transmits feedback information (for example, insurance payment information and automatic replacement payment premium information) to the user terminal 101 for an inquiry request related to, for example, a customer's insurance claim or premium payment Lt; / RTI > Further, the transmission module 305 may distribute the application including the user interface related to the financial company to the user terminal 101. [

In a further aspect of the present invention, the database module 307 stores various information needed to provide to the user terminal 101 and provides the requested information to them in response to the request of other components in the healthcare server 103 .

In an aspect of the present invention, the database module 307 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory A random access memory (SRAM), a random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM) A magnetic disk, a magnetic disk, an optical disk, or the like. In a further aspect of the invention, the healthcare server 103 may operate in association with a web storage that performs the storage function of the database module 307 over the Internet.

The various embodiments described herein may be embodied in a recording medium or storage medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

For example, in accordance with a hardware implementation, the embodiments described herein may be implemented as application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs) may be implemented using at least one of field programmable gate arrays, processors, controllers, micro-controllers, microprocessors, and electrical units for performing other functions. The embodiments described herein may be implemented by the control module 303 itself.

In another example, according to a software implementation, embodiments such as the procedures and functions described herein may be implemented with separate software modules. Each of the software modules may perform one or more of the functions and operations described herein. Software code may be implemented in a software application written in a suitable programming language. The software code may be stored in the database module 307 and executed by the control module 303. [

FIG. 4 illustrates a method for providing a healthcare service according to an embodiment of the present invention.

The steps (s) of some of the steps shown in Fig. 4 may be omitted in accordance with an embodiment of the present invention. Further, the steps shown in FIG. 4 are exemplary and additional steps may also be included within the scope of the present invention.

The steps shown in Fig. 4 may be performed by the healthcare server 103. Fig. For example, the method shown in FIG. 4 may be performed by the hardware care of the healthcare server 103 or the OS itself. In addition, some or all of the methods shown in FIG. 4 may be implemented or generated by the healthcare server 103 and implemented by the user terminal 101 receiving the computed or generated information.

The steps described below according to one aspect of the present invention may be performed by the user terminal 101. [ Further, information based at least in part on the information to be computed or generated may be performed by a server (e.g., an insurance company server and a hospital server) other than the healthcare server 103.

As shown in FIG. 4, the health check module 105 can receive user information including health data of a user who has performed health certification. The health certification described here refers to checking or registering user information including the user's identity information and health data in the user terminal 101. [

According to a further aspect of the present invention, the healthcare server 103 may receive user information on a predetermined time period basis. 3, the health care server 103 may receive user information in units of a predetermined period or period (e.g., day, week, month, quarter, half, or year).

As shown in FIG. 4, the healthcare server 103 may map the health data included in the received user information to one health level among a plurality of predetermined health levels. The predetermined plurality of health levels described herein refers to those in which user information including health data of insurance subscribers who have been insured in the past is divided equally and the divided data is divided into sector units. For example, existing insurance subscriber data may be segmented on a sector basis based on job, age, health data, insurance subscription information, and the like. This is to calculate the statistical data by analyzing the risk of accident or illness occurrence according to occupation, risk of illness occurrence according to age, risk of disease or accident based on health data of insured persons. In addition, based on the insured information of the insured persons, it is possible to generate the recommended insurance data which can receive benefits in response to the generally occurring diseases. The user information described above is omitted in FIG. 1 because it is described in FIG. In addition, the health level may be represented by a number (e.g., LV1, NO.1, 1) or may be represented by a letter (e.g., "cardiopulmonary dysfunction", "heart rate rise"). In addition, health levels may be expressed in terms of symbols (e.g., I, II, III), percentages (e.g., 20%, 50%, 80%), and equals (e.g., +, -). In addition, the health level can be represented by including both numbers, letters, symbols, percentages, and equal signs. In this case, the health level is divided into health levels of healthy and unhealthy users based on the equal sign, the sector is set as a letter or a percentage, and the sector can be expressed as a number. For example, the health level can be expressed as " + LV5 cardiopulmonary function 50% increase ", "-III heart rate 9% decrease ". Additionally, health levels may be expressed in a variety of ways, and are not limited to the methods described above.

In addition, the healthcare server 103 may map numbers or letters when mapping health levels to user health data. For example, in the healthcare server 103, when the health level is divided into sectors by a character (e.g., a low heart rate, a high blood pressure) and a number (e.g., a heart rate of 60, a blood pressure of 120) If the data of the characters of the data (e.g., weak heart rate) and the numbers (e.g., heart rate 58, blood pressure 117) are similar, mapping can be performed accordingly. Further, the healthcare server 103 can be mapped in various ways, and is not limited to the above-described methods.

In a further aspect of the present invention, one or more tailored insurance benefit information to provide to the user may be determined based at least in part on a currently mapped health level and a previously mapped health level. The description of the health level to be described below will be described later with reference to FIG.

According to a further embodiment of the present invention, the healthcare server 103 may be stored in a computer-readable medium in order to carry out the steps described above. In addition, the computer-readable medium may be stored in a server (e.g., an insurance company server, a user terminal, etc.) other than the healthcare server 103. The computer-readable medium has been described in FIG. 1 and will be omitted.

According to an embodiment of the present invention, the healthcare server 103 may include transmitting customized insurance benefit information to the user terminal 101. [ In addition, the healthcare server 103 can transmit customized insurance benefit information to an insurance company server, a hospital server, a doctor terminal, a guardian terminal, and the like. For reference, the customized insurance benefit information may include insurance discount, protection insurance upgrade, reward provision, recommendation for a customized additional insurance product, and free consultation service based on the user information including the user's health data .

5 illustrates a flowchart of a method for providing insurance benefit information in accordance with an embodiment of the present invention.

Additional steps besides the steps shown in FIG. 5 may also be included in one aspect of the present invention, and steps of some of the steps shown in FIG. 5 may be omitted. In addition, at least some of the steps shown in FIG. 5 may be performed by the user terminal 101. FIG.

As shown in FIG. 5, the user information including the user's health data may be received in a predetermined period of time (501). The content of the "predetermined period unit" has been described with reference to FIG. 3 and FIG. 4, and will be omitted.

According to an aspect of the present invention, the healthcare server 103 may map the health data included in the user information to one health level of a predetermined plurality of health levels (503). The mapping referred to herein refers to a step of assigning a health level sector corresponding to a plurality of health level sectors. The description thereof is omitted in FIG. 4 because it has been described in FIG.

According to an aspect of the invention, the healthcare server 103 may group 505 users with a predetermined relationship. The users having the predetermined relationship as described above may include the acquaintance information of the user. Also, the users having the predetermined relationship may be grouped in the health care server 103 such as users having the same disease, users having similar family members, users grouped in the health game, Information.

According to an aspect of the present invention, the healthcare server 103 may determine the insurance benefit information according to the number of the grouped users (507). For example, the health care server 103 can determine the insurance benefit by dividing the number of grouped users added by sectors. In addition, the healthcare server 103 may determine additional insurance benefits as the number of the grouped users is gradually added. If the number of users grouped at the current step is not added or the number of users below a predetermined criterion is added, insurance benefit information may not be generated. In this case, the health care server 103 may proceed to the step of comparing the current mapped health level with the previously mapped health level to determine the insurance benefit information.

According to an aspect of the invention, customized benefit information may be generated 509 according to step 507 described above. In the health care server 103, the healthcare server 103 divides the number of grouped users by sector, for example, when the number of grouped users is 3, the insurance discount rate is 0.5% , The insurance discount rate will be applied 1% when five people are added, and 2% if the ten people are added. The number of additions of the grouped users is variable, and can be changed and reset. In addition, the healthcare server 103 may apply the insurance discount rate by 0.2% as the grouped users are added one by one as the number of the grouped users is gradually added. In this case, since the healthcare server 103 can increase the number of users grouped by the insurance premium, the maximum discount rate can be applied to block the risk of reverse margins. For example, the healthcare server 103 may be configured to apply a discount rate of up to 10% in setting up insurance benefits by increasing the number of grouped users. The maximum discount rate described here is arbitrary and may or may not be variable depending on the situation.

According to an aspect of the present invention, the healthcare server 103 may determine the insurance benefit information by comparing the currently mapped health level with the previously mapped health level (511). In addition, customized coverage information may not be generated when the previously mapped health level data does not exist or the current health level is lower than the previous health level. Furthermore, the health care server 103 may determine the insurance benefit information according to the period during which the health level is maintained. By way of example, the highest level of health level will be referred to as LV1 and the lowest level will be referred to as 15LV. According to a further aspect of the present invention, the highest level may be LV15 and the lowest level may be LV1.

According to an aspect of the present invention, customized insurance benefit information may be generated according to the step 511 described above (513). When the previously mapped health level and the currently mapped health level are increased, the health care server 103 may determine insurance benefit information such as a discount of a premium, a protection insurance upgrade, a reward provision, and health health information. The healthcare server 103 may generate only health health information for the changed data based on the health data of the user when the previously mapped health level and the currently mapped health level are the same. Further, when the currently mapped health level falls below the previously mapped health level, the health care server 103 generates insurance benefit information such as recommendation information and free consultation service for the user-customized additional insurance product corresponding thereto . In this case, the health care server 103 can cancel the applied premium discount benefit and generate health health information corresponding to the deteriorated health status.

According to an aspect of the present invention, the healthcare server 103 may determine the insurance benefit information according to a period during which the user's health level is maintained (515). For example, the health care server 103 can determine the insurance benefit to be provided when the user reaches the corresponding sector, by dividing the period in which the health level is maintained by the sector unit. In addition, the health care server 103 can gradually determine the insurance benefit information as the health level maintenance period is increased within a predetermined period. Also, the health care server 103 may not generate the insurance benefit information if the user's health level is too low at the present stage. This is because it can not benefit unhealthy users. For example, health benefit information may not be generated for users below health level LV10. In addition, if the healthcare server 103 can not maintain the health level, the insurance benefit information may not be generated. In this case, the health care server 103 may proceed to a step of transmitting to the user terminal, which is the next step.

According to an aspect of the present invention, customized coverage information may be generated according to step 515 described above (517). The health care server 103 may generate insurance benefit information such as a discount of a premium, a reward offer, a protection insurance upgrade, a user-customized supplementary insurance product recommendation, and a free consultation service according to dividing a period during which the health level is maintained for each sector . For example, the healthcare server 103 may discount a 0.5% premium when the user maintains the health level for three months, a 1% premium for the six months, and a 2% premium for a year. In addition, the healthcare server 103 may set a limit on the provision of insurance benefit information in setting the health level maintenance period of the user. For example, the healthcare server 103 may limit the maximum premium discount of 5% regardless of the health level maintenance period. In addition, the health care server 103 can gradually discount the insurance premium by 0.2% as it increases by one month in order to gradually provide the insurance benefit information as the health level maintenance period increases within a predetermined period. In this case, the health care server 103 may limit the maximum premium discount of 5% as described above. In addition, the healthcare server 103 may initialize the coverage information for this step if the user fails to maintain a health level.

In one aspect of the present invention, when the healthcare server 103 performs the step of generating insurance benefit information to the user, the generated health insurance server 103 may add the generated custom insurance benefit information to the user terminal 101 (519) . If there is no insurance benefit information to be transmitted to the user, the health care server 103 may transmit only data on health health information and recommendation insurance.

In a further aspect of the present invention, the insurance benefit information described above may include a premium discount, a protection upgrade, a reward offer, a recommendation for a customized additional insurance product, and a free consultation service. The insurance premium discount is provided to the user based on the user information including the user's health data and the health level, and the health care server 103 sums up the insurance benefit information every time the insurance benefit information generating step is performed The integrated data can be transmitted to the user. In addition, a protection upgrade may mean an additional premium and insurance benefits if the user's health level reaches a predetermined level or higher. For example, if the health care server 103 is guaranteed 20 million won for the cancer special, it can be increased to 25 million won or 30 million won. As another example, the healthcare server 103 may be configured to add a hospital admission that has not been previously available in the middle. In addition, the provision of rewards is said to provide goods and vouchers to the user. In accordance with one embodiment of the present invention, the healthcare server 103 may provide a free consultation service in real time. The healthcare server 103 can automatically answer based on a question frequently asked by users, and can connect to a consultant if the question does not correspond to a frequently asked question. In addition, the healthcare server 103 may transmit the location of the nearby branch office to the user terminal 101 when the user does not want the agent. In addition, the healthcare server 103 may at least partially transmit user information to a nearby point, and may provide consulting services to the FC. In one aspect of the invention, the order of the steps of Figure 5 may be variable.

6 shows a flowchart of a method for providing health health information according to an embodiment of the present invention.

Additional steps other than those shown in FIG. 6 may also be included in one aspect of the present invention, and steps of some of the steps shown in FIG. 6 may be omitted. In addition, at least a portion of the steps shown in FIG. 6 may be performed by the user terminal 101. FIG. In addition, steps (501), (503), and (505) described above are omitted and described.

According to an aspect of the invention, the healthcare server 103 may generate disease information based on user information, health level and family history (521). For example, when the user has a cardiac arrhythmia, the disease information may be expressed as " a disease in which heartbeat becomes irregular "together with a disease name" cardiac arrhythmia ". The disease information may also be represented by a similar type of disease (e. G., Cancellous vein, atrial fibrillation, ventricular fibrillation, atrioventricular block, etc.). In addition, the healthcare server 103 may generate health health information based on the generated disease information. Further, the healthcare server 103 may generate health information corresponding to the health status of the user based at least in part on the health data of the user or the health level (523). For example, the health health information includes information on disease evaluation information, disease prevention information, first aid methods according to symptoms, food and health exercise information effective for disease healing, health index service information, health topic information, Hospital evaluation information, and vaccination information.

According to an aspect of the present invention, when the health care server 103 performs the step of generating health health information to the user, the generated health health information may be summed and transmitted to the user terminal 101 (519) . In addition, the healthcare server 103 can transmit health health information generated by a predetermined hospital server, a doctor terminal, a guardian terminal, an assistant terminal, and the like.

According to an aspect of the present invention, the healthcare server 103 may generate health index service information. The health index service information may include a radioactivity index, a fine dust index, an atmospheric environment index, an ultraviolet index, a skin disease index, a pollen concentration, a discomfort index, an air diffusion index, and the like by setting a user's current position. In addition, the healthcare server 103 can provide the health index service information to the user terminal in real time. Health index service information may also be generated at the user terminal 101 and / or other servers.

According to an embodiment of the present invention, the healthcare server 103 may generate and transmit health movement information to the user. For example, the health exercise information may transmit information such as yoga, bare-hand gymnastics, and the Tabata movement to the user terminal 101.

In a further aspect of the present invention, the healthcare server 103 may generate health topic information that can identify health information and news to the user. The healthcare server 103 may generate health information based on predetermined keywords or based on disease information of all users. For example, in order to retrieve health information and news about the heart, the healthcare server 103 can retrieve a predetermined time unit using predetermined keywords such as angina pectoris, myocardial infarction, heart valve syndrome, heart failure, arrhythmia, . Such health information may be transmitted to the terminal 101 of the corresponding users in real time.

7 shows a flowchart of a method for providing a health game according to an embodiment of the present invention.

7 may also be included in one aspect of the present invention, and the steps of some of the steps shown in FIG. 7 may be omitted. In addition, at least a portion of the steps shown in FIG. 7 may be performed by the user terminal 101. FIG. In addition, steps (501), (503), and (505) described above are omitted and described. In addition, the grouping information to be described below is omitted in FIG. 5 because it is described above.

In accordance with an aspect of the present invention, the healthcare server 103 may generate a health game in which grouped users may participate (525). For example, the healthcare server 103 can create a quiz game about a disease to grouped users who have the same disease. For example, the healthcare server 103 may generate a quiz game for heart disease to users having heart disease. In addition, the healthcare server 103 can calculate the ranking by analyzing the number of the grouped users matching the correct answer in the quiz game. In addition, the healthcare server 103 can create a quiz game about a disease that is problematic for grouped users, such as users with similar family histories, users with the same disease as their children.

According to one aspect of the present invention, the healthcare server 103 scales basic health data and health level of users, and provides a health game in which insurance benefit information is provided to a person whose score is increased to the greatest extent for a predetermined period (525). In this case, the healthcare server 103 can group with basic health data and users having similar health levels to create a group. Additionally, the healthcare server 103 may limit the number of persons in the groups for playing a health game. For example, the healthcare server 103 scales health data and health level, divides users having similar scores into groups, divides the number of groups so that 100 persons can belong, sets the period for a month, To generate an insurance benefit information for an elevated user. Further, the healthcare server 103 may calculate the ranking of the users whose scored data is the largest. In this case, the healthcare server 103 may generate insurance benefit information according to the rank. In addition, the healthcare server 103 may generate insurance benefit information only for some users of the highest rank among the estimated ranks.

According to a further embodiment of the present invention, the healthcare server 103 may generate a brain health game (525). The brain health game refers to a game such as a concave, a long, a Go, a card, a board game, a puzzle, a memory test, a picture search such as a crossword puzzle, and a Sudoku. In this case, brain health game can help prevent dementia because it requires users' memory and fast brain rotation.

According to an aspect of the present invention, the healthcare server 103 may generate a grouped group with users who do not have a predetermined relationship to proceed with a health game. Or a health game without going through a grouping step. For example, the healthcare server 103 may set a plurality of health game channels, and may play a health game with users connected to the channel.

In a further aspect of the present invention, an event game channel may be created to proceed with a health game with participating users (525). The event game may be provided on a special day such as Children's Day, Mother's Day, Christmas, New Year's Day, and Chuseok. In addition, event games can be conducted in cooperation with companies selling health products. For example, the event game may be sponsored by the red ginseng sales company to provide products to the users, and may be promoted through the game to the red ginseng sales company. In this case, the healthcare server 103 may transmit the reward providing information according to the event game rank to the red ginseng sales company server.

According to an aspect of the present invention, the healthcare server 103 may generate insurance benefit information for each rank in the ranking of games in which grouped users participate (527). In addition, the healthcare server 103 may generate insurance benefit information such as premium discounts and reward offerings. For example, the healthcare server 103 can generate insurance discounts of 3% for the first place, 2% for the second place, and 1% for the third place. In addition, the healthcare server 103 can generate reward information that provides a gift certificate of 50,000 won for the first party, a gift certificate for 30,000 won for the second party, and a 10,000 won gift certificate for the third party. Descriptions of the premium discounts and reward offerings described above are illustrative and may generate additional coverage information.

According to an aspect of the present invention, the healthcare server 103 may transmit insurance benefit information by rank to the user terminal 101 (519). In addition, the healthcare server 103 may transmit the reward providing information to the insurance company server. In addition, the steps shown in FIG. 7 may be performed by the hardware of the healthcare server 103 or by the OS itself. Also, some or all of the steps shown in FIG. 7 may be implemented or generated by the healthcare server 103, and may be implemented by the user terminal 101 receiving the computed or generated information. In addition, some or all of the steps shown in FIG. 7 may be implemented in the user terminal 101.

FIG. 8 illustrates a screen 600 of a user interface that may be output from a user terminal 101, in accordance with an embodiment of the present invention.

As shown in FIG. 8, the health check module 105 can be implemented as a smart app that can easily retrieve a user interface. In addition, smart apps can be set up as medical information apps, exercise management apps, diet control apps, health data apps, and more. Smart apps can also be shared with friends through interactions with social networking sites such as KakaoTalk, Facebook, and Twitter.

Since the screen shown in FIG. 8, the previous health level, the current health level, the health health information, the group health data, the game, and the like are examples according to one aspect of the present invention, It will be apparent to those skilled in the art that the present invention can be embodied within the scope of the present invention. Further, although not shown in FIG. 8, additional variables, information, and combinations thereof may also fall within the scope of the present invention.

According to an embodiment of the present invention, the user interface screen 600 may output a screen as shown in FIG. As shown in FIG. 8, information for confirming the previous health level and the current health level can be output on the screen 600 of the user interface. When the previous health level is selected on the screen 600 of the user interface, information such as previously measured health data can be output. With regard to the detailed example of the above-described health data, the above-mentioned contents will be replaced. In addition, when the current health level is selected on the work screen 600 of the user interface, information such as the currently measured health data can be output. Also, statistical data comparing previous health data with current health data may be output.

The "one screen 600 of the user interface" described below is expressed as "user screen 600 ".

As shown in FIG. 8, health health information 605 may be output on the user screen 600. In addition, health health information 605 may be output based on the current health status of the user. Also, the health health information 605 may be output by adding the health health information 605 of the users belonging to the group. For example, health health information (605) may output family health health information such as mother, father, sibling, and sister. Details of the health health information 605 are omitted in FIG. 6 because they have been described in detail with reference to FIG.

According to an aspect of the present invention, the group health data 607 may be output to the user screen 600. In addition, the group health data 607 can be received and displayed in real time in the health data of the users in the group. Also, the group health data 607 may output only health data for predetermined users in the group. Further, the group health data 607 may output statistical data of health data of users belonging to the group. The statistical data described herein may include sequence statistics, graph statistics, normative statistics, reasoning statistics, and the like.

According to an embodiment of the present invention, the health game information may be output to the user screen 600. [ When a game is selected on the user screen 600, information on the game being played in real time can be output. For example, information such as information on a game, a channel, the number of players, and reward information may be outputted on the user screen 600 in real time. Also information about the event game can be output. For example, information such as a date, period, reward information, insurance benefit information, and the like for performing an event game may be output on the user screen 600. In addition, when a game is selected on the user screen 600, the game ranking data previously participated in can be output.

According to one aspect of the present invention, an avatar shape that can confirm the state of the user can be output to the user screen 600. [ In addition, the avatar may be marked with a disease or a site of treatment due to an accident. For example, when the shoulder and legs are injured, the injured shoulders and legs may be displayed on the avatar. In addition, when the site being treated is selected, the avatar can display data on injuries, treatment dates, prescription information, current status, treatment methods and healing methods, and recommendations for food and exercise.

According to a further aspect of the present invention, the user screen 600 may include a child growth check function. This refers to the ability to measure the health and physical development dimensions of children without mobility. The child growth check function may include pregnancy information, ultrasound photographs and video information, fetal health information, childcare information, eye biometrics data, eye body measurement data, eye momentum data, and the like. In this case, the health data of the child can be transmitted from the hospital server, the health check module, the doctor terminal to the user terminal.

According to an embodiment of the present invention, the discount rate currently applied to the user screen 600 may be output. Further, when the discount rate is selected in the user screen 600, the insurance benefit information to which the current discount rate is applied can be output. For example, when the discount rate is selected on the user screen 600, the insurance benefit information (discount 2% for grouped users, discount 3% for health level increase, discount 2% for health level maintenance period, 2.8% = current discount rate 9.8%) can be output.

In one aspect of the invention, the above-described information may be estimated by the healthcare server 103, or may be estimated by the user terminal 101, or some of these may be estimated by the healthcare server 103 And the remaining part may be calculated by the user terminal 101. [ For example, when the healthcare server 103 is a computing entity, the user terminal 101 may receive information generated by the healthcare server 103 and output the information. When the user terminal 101 is the computing entity, the above-described information is calculated by the control section 205 of the user terminal 103 based on the application installed in the user terminal 101 or user information in the OS . Further, since basic information such as user information and / or insurance product information is stored in the user terminal 101, a process such as a simple calculation is implemented by the user terminal 101, and the evaluation by estimating the information to perform the recommendation May be implemented by the healthcare server 103.

In a further embodiment of the present invention, the computing entity described above may be implemented in an entity other than the healthcare server 103 and the user terminal 101 (e.g., a network computing entity, etc.).

In one or more exemplary implementations, the functions presented herein may be implemented in hardware, software, firmware, or a combination thereof. When implemented in software, the functions may be stored on or transmitted via one or more instructions or code on a computer readable medium. Computer-readable media includes computer storage media and communication media including any medium for facilitating transfer of a computer program from one place to another. The storage medium may be any general purpose computer or any available medium that can be accessed by a special purpose computer. By way of example, and not limitation, such computer-readable media can comprise any form of computer readable medium, such as RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, But not limited to, a general purpose computer, a special purpose computer, a general purpose processor, or any other medium that can be accessed by a particular processor. In addition, any connection means may be considered as a computer-readable medium. For example, if the software is transmitted from a web site, server, or other remote source over wireless technologies such as coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or infrared radio, and microwave, Wireless technologies such as cable, fiber optic cable, twisted pair, DSL, or infrared radio, and microwave may be included within the definition of such medium. The discs and discs used here include compact discs (CDs), laser discs, optical discs, DVDs, floppy discs, and Blu-ray discs where disc plays the data magnetically, As shown in FIG. The combinations may also be included within the scope of computer readable media.

Those skilled in the art will appreciate that the various illustrative elements, components, logical blocks, modules, and algorithm steps described above may be implemented as electronic hardware, computer software, or combinations thereof. In order to clarify the interchangeability of hardware and software, various illustrative components, blocks, modules and steps have been described in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the overall system. Skilled artisans may implement these functions in varying ways for each particular application, but such implementation decisions are not necessarily outside the scope of the invention.

The various illustrative logical blocks and modules described in connection with the present disclosure may be implemented or performed with a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, Or transistor logic, discrete hardware components, or any combination designed to implement the functions described herein. A general purpose processor may be a microprocessor; In an alternative embodiment, such a processor may be an existing processor, controller, microcontroller, or state machine. A processor may be implemented as a combination of computing devices, such as, for example, a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or a combination of such configurations.

For a hardware implementation, the various illustrative logic, logic blocks, and modules of processing units described in connection with the aspects disclosed herein may be implemented with one or more application specific integrated circuits (ASICs), digital signal processors (DSPs) Such as digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), discrete gate or transistor logic, discrete hardware components, general purpose processors, Controllers, microprocessors, other electronic units designed to perform the functions described herein, or a combination thereof. The general purpose processor may be a microprocessor, but, in the alternative, it may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented in a combination of computing devices (e.g., a DSP and a microprocessor, a plurality of microprocessors, a combination of one or more microprocessors in conjunction with a DSP core, or any other suitable configuration). Additionally, at least one processor may include one or more modules capable of implementing one or more of the steps and / or operations described herein.

In addition, various aspects or features described herein may be implemented as a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. Moreover, steps and / or operations of a method or algorithm described in connection with the aspects disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. Additionally, in some aspects, steps or acts of a method or algorithm may be present as a machine-readable medium, or as a combination of at least one or any combination of codes or instructions on a computer-readable medium, It can be integrated into computer program stuff. The term article of manufacture as used herein is intended to encompass a computer program accessible from any suitable computer-readable device or medium.

The description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features presented herein.

Claims (16)

A computer program stored on a computer-readable medium for causing a computer to perform the following steps:
The steps,
Receiving user information including health data of a user who has performed health certification using a health check module on a predetermined period basis;
Mapping health data contained in the received user information to one of a plurality of health levels; And
Determining one or more customized coverage information to provide to the user based at least in part on a current mapped health level and a previously mapped health level;
/ RTI >
Computer program. The method according to claim 1,
The health data includes:
The method of claim 1, wherein the at least one of the body measurement data, the biometric measurement data,
Computer program. The method according to claim 1,
The user information includes:
Further comprising: identification information of the user, insurance information of the user, and acquaintance information of the user.
Computer program. The method of claim 3,
The steps include:
Generating information on a disease to be predicted by the user based on the family history of the user based at least in part on the user's personal information; And
Generating customized health information based on information of the disease predicted by the user;
≪ / RTI >
Computer program. 5. The method of claim 4,
The health-
Wherein the information includes at least one of disease evaluation information, disease prevention information, first symptom information by symptoms, food and exercise method information effective for disease healing, local hospital and pharmacy location information, hospital evaluation information,
Computer program. The method according to claim 1,
The steps include:
Generating health information corresponding to the health status of the user based at least in part on the health data of the user or the health level;
≪ / RTI >
Computer program. The method according to claim 1,
The health level may include,
Determining health data based on at least in part on statistical data formed by analyzing information of health information and identification information collected from a plurality of insured subscribers,
Computer program. The method according to claim 1,
The insurance benefit information,
Including at least one of a premium discount, an insurance premium upgrade, a reward offer, a recommendation for a customized additional insurance product,
Computer program. The method according to claim 1,
Wherein determining one or more tailored insurance benefit information to provide to the user comprises:
Comparing the currently mapped health level to a previously mapped health level to determine one or more tailored coverage information to provide to the user based on the difference in health level change
/ RTI >
Computer program. The method according to claim 1,
Wherein determining one or more tailored insurance benefit information to provide to the user comprises:
Variably determining one or more customized insurance benefit information to provide to the user according to a period during which the user's health level is maintained
/ RTI >
Computer program. The method according to claim 1,
The steps,
Performing grouping for a user based at least in part on the user information; And
Creating a health game in which users in one group can participate;
Generating insurance benefit information based on result data obtained by performing a health game of users in the one group;
≪ / RTI >
Computer program. The method according to claim 1,
The steps include:
Grouping users having a predetermined relationship with a specific user; And
Generating insurance benefit information to be provided to users in the one group according to the number of users grouped into one group;
≪ / RTI >
Computer program. As a user terminal,
A transmitter for transmitting user information including health data of a user who has performed health authentication using a health check module to a server in a predetermined period unit, wherein the health data included in the transmitted user information includes a plurality of health levels Mapped to one health level; And
A receiving unit for receiving, from the server, one or more tailored insurance benefit information to be provided to the user, the service level being generated based at least in part on the mapped health level and the previously mapped health level;
/ RTI >
User terminal. As a health care insurance server,
A receiving module for receiving user information including health data of a user who has performed health certification using a health check module in a predetermined period;
And mapping the health data contained in the received user information to one of a plurality of predetermined health levels and providing the health data to the user based at least in part on the mapped health level and the previously mapped health level A control module for determining one or more tailored insurance benefit information; And
A transmission module for transmitting the customized insurance benefit information;
/ RTI >
Healthcare insurance server. As a user terminal,
A receiving unit for receiving user information including health data of a user who has performed health certification using a health check module on a predetermined period basis;
Mapping the health data contained in the received user information to one of a plurality of predetermined health levels and providing the user with at least one of the mapped health level and the previously mapped health level A control unit for determining one or more customized insurance benefit information to be provided; And
An output unit for outputting the determined customized insurance benefit information;
/ RTI >
User terminal. A computer program stored on a computer-readable medium for causing a computer to perform the following steps:
The steps,
The method comprising the steps of: transmitting user information including health data of a user who has performed health certification using a health check module to a server by a predetermined period of time, the health data being included in the received user information, Mapped to one health level; And
Receiving, from the server, one or more customized coverage information to provide to the user, the content being generated based at least in part on the mapped health level and the previously mapped health level;
/ RTI >
The computer program.

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