KR20160100270A - Method and Device for Providing and Terminating Location Based Leisure Insurance - Google Patents

Abstract

Disclosed is a method for providing and terminating location-based leisure insurance of a managing server communicating with a user terminal, a service device, and an insurance server. The method for providing and terminating location-based leisure insurance comprises: a step of receiving location information of the user terminal from the user terminal at first time intervals; a step of transmitting a leisure service use confirmation request of a first service area to the user terminal; a step of transmitting a leisure insurance subscription confirmation request to the insurance server using user information of the user terminal; a step of transmitting a leisure insurance start confirmation request to the user terminal; a step of transmitting a user authentication request for verifying a user to the service device located in the first service area; a step of transmitting a leisure insurance start request to the insurance server if a match between an insurance subscriber and a user of the user terminal is confirmed; and a step of transmitting a service use termination confirmation request of the first area if the user terminal is determined to have escaped from the first service area by the location information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a location-

The present invention relates to a method and apparatus for providing and terminating a location-based leisure insurance, and more particularly, to a method and apparatus for providing and terminating leisure insurance more accurately and conveniently to a user using location-based technology such as GPS.

As the national income increases, the leisure population enjoying various leisure activities is increasing rapidly. Especially, the outdoor leisure population is increasing. However, outdoor leisure activities are accompanied by a certain amount of risk, and various insurance products are provided, but their utilization is not high.

In addition, due to the development and dissemination of communication technologies, the age of one-person terminals has arrived. Many users have used at least one smart device, and portable smart devices can be tracked using various technologies such as GPS.

KR 0908632 B KR 0546486 B KR 0488358 B KR 20130120889 A

We want to provide insurance based on user terminal in order to eliminate the inconvenience of joining leisure insurance and opening insurance by contacting the insurance company every day while starting leisure activity.

Since only the user terminal and the insurance server are interlocked with each other, there is a limit to the service provision. In particular, it is difficult to confirm whether an actual subscriber has a user terminal and is engaged in a leisure activity because the insurance subscription / commencement is based on the user terminal.

According to another aspect of the present invention, there is provided a method for providing and terminating a location-based leisure insurance of a management server communicating with a user terminal, a service device, and an insurance server, Receiving information at a first time interval; Transmitting a request for use of a leisure service in the first service area to the user terminal when it is determined that the user terminal is located in the first service area through the location information; When receiving a leisure service use confirmation response of the first service area from the user terminal, transmits a leisure insurance check request to the insurance server through the user information of the user terminal, Changing the first time interval for collecting to a second time interval longer than the first time interval; Transmitting a lease insurance start confirmation request to the user terminal when it is determined that the user of the user terminal is subscribed to the leisure insurance; Transmitting a user authentication request for identity verification to the service device located in the first service area when receiving an insurance initiation confirmation from the user terminal, The user authentication request transmission step including the information; Transmitting a leisure insurance start request to the insurance server when the user authentication response is received from the service device and the matching of the insurance subscriber and the user of the user terminal is confirmed, Video, and fingerprint information, comprising the steps of: transmitting the leisure insurance start request; And transmitting a service use termination confirmation request of the first area when it is determined that the user terminal has left the first service area through the location information.

In addition, in the embodiment of the present invention, the method may further include, when receiving the first local service use termination confirmation from the user terminal, transmitting a user departure notification to the service device.

In addition, in the embodiment of the present invention, the method may further include, when receiving the first local service use termination confirmation from the user terminal, transmitting the user departure notification to the insurance server.

Further, in the embodiment of the present invention, the method may further include receiving the user's leisure activity data from the service device.

Further, in an embodiment of the present invention, the method may further comprise transmitting the leisure activity data to at least one of the user terminal or the insurance server.

Further, in the embodiment of the present invention, the leisure activity data is characterized in that the leisure activity data received from the service device is edited or processed.

A location-based leisure insurance providing and terminating device communicating with a user terminal, a service device, and an insurance server according to an embodiment of the present invention includes: a communication unit for performing communication with an external device through a network; A storage unit for storing data; And a processing unit for controlling the communication unit and the storage unit, wherein the apparatus receives location information of the user terminal from the user terminal at a first time interval, 1 service area of the first service area, transmits a request for checking leisure service use in the first service area to the user terminal, and, when receiving the leisure service use acknowledgment in the first service area from the user terminal, And transmitting the location information of the user terminal to the insurance server through a first time interval longer than the first time interval, And the user of the user terminal is determined to be in the lease insurance And transmits a user authentication request for identifying the user to the service device located in the first service area when the insurance start confirmation request is received from the user terminal Wherein the user authentication request includes insurance subscriber information subscribed to the user terminal, and when the user authentication response is received from the service device and a match between the insurance subscriber and the user of the user terminal is confirmed, Wherein the user authentication response includes at least one of image, moving picture, and fingerprint information for the user, and wherein the user terminal determines that the user terminal has deviated from the first service area through the location information , It transmits a request to confirm termination of service use of the first area Can.

Further, in an embodiment of the present invention, when the device receives the first local service use termination confirmation from the user terminal, it may transmit a user departure notification to the service device.

Further, in an embodiment of the present invention, when the device receives the first local service use termination confirmation from the user terminal, it may transmit a user departure notification to the insurance server.

Further, in the embodiment of the present invention, the device can receive the user's leisure activity data from the service device.

Further, in an embodiment of the present invention, the device may transmit the leisure activity data to at least one of the user terminal or the insurance server.

Further, in the embodiment of the present invention, the leisure activity data is characterized in that the leisure activity data received from the service device is edited or processed.

The present invention can automatically perform and provide processing such as subscription and start of leisure insurance by processing start / end of leisure activity of the user based on the location information.

The present invention relates to a method for providing a more reliable and stable insurance service than a method of providing an insurance that relies only on a user terminal by interworking with a service device used by a leasing company in a specific area, Can be provided. It is possible to provide various services together with a method of providing only existing insurance through interworking with a service device.

The present invention can prevent a variety of insurance fraud by performing the user authentication in cooperation with the service device, thereby confirming whether the insured person himself / herself carries out the leisure activity subject to the insurance at the time of insurance initiation. In addition, by providing leisure activity data after the end of the leisure activity, it is possible to confirm the identity of the person who performed the leisure activity after the actual user approval. The leisure activity data used by the user device side is used as the basis of the insurance premium / damage / Which can provide a more stable insurance service.

1 is a diagram of a system for providing location based leisure insurance, in accordance with an embodiment of the present invention.
2 is a view illustrating a method of providing leisure insurance according to a location of a user and a location of a leisure workplace according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a method of registering a user terminal / user in a leisure service of a specific leisure business field by grasping the location of the user terminal according to the present invention.
FIG. 4 is a diagram illustrating a method of confirming and opening a lease insurance of an insurance-based user according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a method of providing a leisure insurance for a user who is not insured, according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a recommendation method and a disclosure method of a lease insurance for an uninsured user according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a method of determining a location of a user terminal and terminating a user terminal / user from a leisure service of a specific leisure business center according to an embodiment of the present invention.

In the following, embodiments of the present invention will be described in detail with reference to the embodiments described in the accompanying drawings. Detailed description of the prior art may be omitted in order to avoid unnecessary dispersion from the present invention. Hereinafter, reference numerals are used to refer to the same or functionally matched or similar parts throughout the drawings.

The present invention relates to a method and apparatus for providing leisure insurance accordingly when a user performs an outdoor leisure activity. The term " user " in the present invention denotes one or more individuals who are engaged in outdoor leisure activities. In the present invention, the service provider represents an individual or a company that carries out a service for providing outdoor leisure activity to the user. The service provider may be, for example, a ski resort operator, a water ski operator, a wakeboard provider, or the like, and may be referred to as a carrier hereinafter. The leisure service may include a variety of outdoor leisure services. Hereinafter, water sports provided on the domestic water for convenience will be described as an embodiment, but the scope of the present invention is not limited to these exemplary embodiments.

In the present invention, the term "leisure insurance" refers to an insurance for guaranteeing an accident or the like caused by a user's leisure activity. For example, the insurance may be short-term insurance. Especially, in case of leisure activities, unlike traveling, there are many people who enjoy short-term and intermittent leisure, and providing leisure insurance with short-term insurance such as 1 day to several days may be suitable for leisure activities.

In the past, users had to sign up for short-term insurance by specifying the date of their leisure activities. However, short-term insurance may be purchased and specified only after use / start date. In particular, if a particular user purchases a short-term leisure insurance policy for another user, the insurance use / start date may be specified by another user after purchase of the insurance. The present invention proposes a leisure insurance providing method capable of automatically recognizing a leisure activity when the user performs a leisure activity, initiating leisure insurance, inducing subscription to the user, and performing identification of the subscriber in cooperation with the service device .

1 illustrates a system for providing location-based leisure insurance in accordance with an embodiment of the present invention.

In an embodiment, the leisure insurance provisioning system includes a user terminal 1010, a service device 1020, a management server 1030, an insurance server 1040 and a network 1050.

Although the user terminal 1010 is shown as a smartphone in FIG. 1, the user terminal 1010 represents any computing device that can be used by the user, i.e., the customer. For example, the user terminal 1010 includes portable electronic devices such as smart phones, tablet PCs, notebooks, and the like. An electronic device such as a desktop may be included. However, in the embodiment of the present invention, a portable device capable of generating and transmitting location information will be described. A user-side leisure application is installed in the user terminal 1010 to provide a leisure-related service, and various data including location information can be transmitted / received via the network to the management server through the application.

Although the service device 1020 is shown as a notebook in FIG. 1, the service device 1020 represents any communication device that can be used by a service provider providing a leisure service in a specific area. The service device 1020 may also include portable electronic devices such as smart phones, tablet PCs, notebooks, and the like, such as the user terminal 1010, and may also include non-portable electronic devices such as desktops. The service device 1020 is equipped with a leisure application on the provider side to provide a leisure service related service of the provider and can transmit / receive various data to / from the management server via the network through the application.

1, the management server 1030 controls an application stored and operated in the user terminal 1010 and the service device 1020 and controls the application terminal 1010, the service device 1020, and the insurance And any computing device that communicates data with server 1040. In the present invention, the management server 1030 can communicate with the user terminal 1010 and the service device 1020 and provide the leisure insurance related service to the user by relaying them to the insurance server 1040, Will be described later.

The management server 1030 includes a communication unit 1060 for performing data communication via an external network wirelessly or wired, a storage unit 1060 for storing information / data and programs necessary for communication with the user terminal / service device / And a processing unit 1080 that controls the communication unit 1070 and the storage unit 1070 to perform the method according to the present invention.

1, the insurance server 1040 represents any computing device capable of communicating with the insurer and communicates with the management server 1030 via the network 1050 and may communicate with the user terminal 1010 and the service device 1020, As shown in FIG. The insurance server 1040 may collect / store / manage data necessary for insuring / processing the user, and may store / manage insurance-related data of the user. The insurance server 1040 can confirm / transmit / receive / process data at the request of the management server 1030.

The user terminal 1010, the service device 1020, the management server 1030, and the insurance server 1040 can transmit and receive data through the network 1050. The network 1050 may be an Internet, a Local Area Network (LAN), a Wireless Local Area Network (WLAN), a Wide Area Network (WAN), a Wireless Fidelity (WiFi), 3G, 4G, Long Term Evolution (LTE) A communication system using various communication protocols, or a combination thereof, and is not limited to the above-described embodiments. In other words, the network 1050 can perform data communication by connecting the user terminal 1010, the service device 1020, the management server 1030, and the insurance server 1040 remotely by wired / At least one network, or a combination thereof.

In the present invention, each of the user terminal 1010 and the service device 1020 may store / drive an application related to a leisure activity. The user terminal 1010 may be a user-side application used by a leisure activity consumer, and the service device 1020 may be stored / driven by a provider-side application that manages / coordinates a service and a user from the standpoint of a leisure service provider. And the management server 1030 can perform the method of the present invention by communicating with and controlling the applications of the user terminal 1010 and the service device 1020. [ Hereinafter, when the management server 1030 communicates with the user terminal 1010 and the service device 1020 to request and receive various data / information, the application 1010 and the application running on the service device 1020 ≪ / RTI >

2 is a diagram illustrating a method of providing leisure insurance according to a location of a user and a location of a leisure workplace according to an embodiment of the present invention.

First, the management server can acquire location information of the user terminal in various ways. The position measuring method according to the present invention includes a method of using a GPS signal, a Assisted GPS method of calculating a position coordinate by using a distance relation of a neighboring mobile communication base station and a measured value of a propagation state using a GPS signal, , A positioning method using standards such as wireless LAN or Wibro, and the like. The user terminal can calculate the location coordinates of the terminal using various location measurement techniques and transmit the coordinates to the management server via the network.

2 shows the location of the user terminal 2040 and the user equipment / leisure sites 2010, 2020, and 2030 located on the map.

First, the management server knows that there is a service area at a specific location on the map. That is, the management server locates the respective locations of the A resort 2010, the B resort 2020, and the C resort 2030 on the landmark coordinates, and the location of each resort is set as a specific area as a geofence It is possible. In FIG. 2, each of the resorts represents a service area servicing an aquatic leisure sport.

The management server may receive location information from the user terminal 2040 and determine the location of the user terminal 2040. The location information typically includes coordinate information on the indicator but includes any kind of data that can be known at the location of the user terminal 2040 through reception and data processing at the management server.

2, the management server receiving the location information from the user terminal 2040 recognizes that the A resort 2010, the B resort 2020, and the C resort 2030 exist near the user terminal 2040 , And may transmit / provide service information for the resorts to the user terminal 2040. The service information may include at least one of information about the service provided by the service provider, such as type, location, contact method, usable service type, wait time, and other menu.

When the user terminal 2040 finally enters the area of the A-resort 2010, the service of the A-resort 2010 can be connected and the leisure insurance subscription / initiation can proceed. Hereinafter, the method of starting and joining leisure insurance will be described in more detail when the user terminal 2040 enters a leisure area of a specific area to perform a leisure activity.

The management server of the present invention can communicate with a user-side leisure application stored and / or driven by a user terminal and a business-side leisure application stored / driven by the service device, and can provide various functions by controlling them. The user-side leisure application is a useful function for the user, and it is possible to provide service information and provide data / information related to leisure activities. Operator-side leisure applications can provide functions such as site management, computerized service management / provision, user information registration, and data collection / processing related to leisure activities.

In one embodiment, when a user arrives at a leasing business of a particular business, the user may use his / her application to schedule his / her leisure activity and order / reserve various services that are additionally provided. For example, a user may schedule a water ski ride at a particular time through a user-side application and order food / drink while waiting. In this case, the management server can receive the information corresponding to the reservation / order from the user terminal and deliver it to the service device. The service device can register the user to the provider application by the management server and accept the order / reservation of the registered user. In order to provide such a service, a user must first register the service in the service area when a specific user arrives at a specific service area, and the method will be described in more detail below.

Hereinafter, the operation according to the present invention between the user terminal, the service device, the management server, and the insurance server will be described with a flowchart. It should be noted, however, that the steps in the flowchart are not necessarily constrained to the time-sequential order shown in the following figures, and not all of the steps are necessarily integral to the present invention, and that the steps may optionally be combined in different time- . The redundant description of the same or similar steps in the flowcharts may be omitted or briefly described for the sake of brevity of the description.

Also, in the present specification, contents such as providing / requesting / confirming information from one device to another device may transmit / receive data corresponding to specific information, provide the corresponding information using an application or a user interface of another device, And transmitting / receiving data corresponding to the request / confirmation through the selection option in the user interface. The interface includes any hardware, software, or a combination thereof that relays the interaction between the user / operator and the computing device (user terminal, service device, etc.), and may include not only an interface in a display format such as a GUI, And a voice interface for receiving and receiving voice.

FIG. 3 illustrates a method of registering a user terminal / user in a leisure service of a specific leisure business field by locating a user terminal according to an embodiment of the present invention.

The management server may receive location information from the user terminal (3010). When the user drives the user-side leisure application stored in the user terminal, the user application can generate the location information and transmit it to the management server. At this time, the user application may transmit the location information at predetermined time intervals. The management server may control the user application to receive location information, and may change the time interval for receiving. The management server can determine the location of the user terminal based on the received location information and provide various information corresponding to the detected location to the user terminal.

The management server may selectively provide the service information of the neighboring location to the user terminal (S3020). For example, in the case of FIG. 2, it is possible to provide information on the A resort, the B resort, and the C resort close to the user's current location. The management server recognizes service areas of adjacent locations based on the current location of the user terminal, and when the information of the service area is transmitted to the user terminal, the user application can receive and provide the information.

The management server can recognize that the user terminal has accessed or arrived at a specific area (area A) based on the received location information (S3030). The management server can define the location / area of service facilities on the map as geofence, and recognize the location / area as a service area. Accordingly, when the user terminal enters the specific service area based on the received location information, the management server can determine that the user terminal has arrived at a specific service area.

The service application of the service provider of the specific area registered in the management server is also stored / driven as described above. Accordingly, when the user terminal arrives in the area A, the management server can proceed to register the arrival of the user terminal and the service registration in the application of the service device in area A.

First, the management server can transmit the A-area service information providing and use confirmation request to the user terminal (S3040). Since the user may not necessarily use the leisure service in the specific area in the specific area, the user does not register the service in the service device but confirms it. Thus, registration of the service against the intention of the user can be prevented. A local service information may optionally be provided and may include various information such as the size of the A-area service area, the available service, the cost, and the waiting time. The user terminal can provide the received A-area service information to the user and provide the user with an interface for confirming the use of the A-area service.

When the management server receives the A-area service use confirmation response from the user terminal (S3050), the management server notifies the user terminal of the A-area service use / start and provides service information for the A-area service (S3060) The service registration request for the registered user of the user terminal is transmitted to the service device (S3070), and the user terminal or the user can be registered in the leisure service of the area A. [ The A-area service information provided at this time may be the information provided in step S3030, or may be additional additional information. Steps S3060 and S3070 may be performed simultaneously or in a different order, and step S3060 may be omitted.

In the leisure application of the service device, the user terminal / user is now registered and can provide various services via the management server. For example, the user can reserve / request leisure services (water skiing, wakeboard, etc.) and select / order supplementary services such as a meal menu through the user-side application. Leisure service reservation, meal menu selection / order, and provide the service corresponding to the received information.

Although not shown in FIG. 3, the managing server may further transmit a time interval change command of location information transmission to the user terminal. Since the location of the user does not move greatly while the user terminal arrives at the area A and the service of the area A is used, the user does not need to frequently receive the location information. For example, if the time interval for receiving the location information in step S3010 was 5 seconds, after the user registration is completed, the application of the user terminal can be controlled to transmit it at 20 second intervals. However, if the user has started the actual leisure activity, the time interval of receiving the position information may be adjusted again. The management server may adjust the position information reception time interval by transmitting an adjustment command of the position information transmission time interval to the user terminal, and the adjustment command may be transmitted together in the A-area service use notification and information providing step (S3060) have.

Hereinafter, the method of providing the leisure insurance based on the location information after the user registration will be described in more detail.

The user may or may not have made insurance before moving to a leisure service / service location to use the leisure service. In the case of short-term leisure insurance, it may be sold by one-time ticket or ten-time ticket. In such cases, insurance should be initiated when actually using the leisure service. Hereinafter, a method of initiating insurance when a user joins a leisure insurance in advance, and a suggestion of insuring if not insured, and a method of initiating insurance after joining are explained.

FIG. 4 is a diagram illustrating a method of confirming and opening a user's insurance coverage based on insurance according to an embodiment of the present invention.

3, the management server transmits the start of use of the A-area service to the user terminal and notifies the user terminal of the start of use of the A-area service (S3060, S4010) based on the location information received from the user terminal, To perform user registration (S3070, S4020).

Now, the management server may transmit a request to the insurance server to confirm whether or not the user registered as a user terminal is insured (S4030). The management server may transmit the user terminal information or the user information connected to the user terminal to the insurance server and transmit a confirmation request as to whether the user has previously participated in the leisure insurance. The user information indicates information such as a telephone number, a date of birth, an address, a resident registration number, and a profile for a user who is an owner of the user terminal, and the user terminal information described above may also be included in the user information. The insurance server can inquire about whether or not to join the leisure insurance of the user based on the received user information, and can transmit the resulting subscription / non-insertion confirmation information to the management server. Therefore, the management server can receive the insurance subscription confirmation information (S4040).

In this specification, the management server and the insurance server can perform operations by transmitting and receiving agreed data. For example, in the case of the insurance approval confirmation request (S4030) / confirmation information reception (S4040), it is possible to proceed using the promised user information (at least one of the user terminal number, name, date of birth, etc.).

When the insurance approval information is received, the management server may transmit an insurance start confirmation request to the user terminal (S4050) in order to confirm whether the user starts the leisure insurance on the same day or in the area. As a result, upon receiving the insurance initiation agreement / confirmation response from the user terminal (S4060), the insurance is started through the following procedure, and if the insurance initiation negative response is received (not shown) , And notifies the insurance server thereof.

However, the insurance that is initiated when the insurance is started based on the location-based or user-terminal basis is for the user, and since the disclosure is based on the information of the terminal, identity verification may be a problem. In other words, there may arise a problem that it is not possible to confirm the use of the insurance of another person or the transfer of the name of the insurer without the insurance company's consent. Accordingly, in the present invention, a user authentication procedure is further performed before insurance is started.

When the management server receives the insurance start agreement / confirmation response (S4060), the management server can transmit the user authentication request to the service device (S4070). At this time, the management server can transmit the information (date of birth, photos, etc.) that can confirm that the person is himself / herself to the service device. Since the service device uses the user directly to provide the service, The same can be confirmed. Accordingly, if the business entity confirms that the user is the person using the identity verification information, the user authentication response can be transmitted through the service device (S4080). And steps S4050 and S4070 may be performed together.

The user authentication response may be information corresponding to a short YES / NO, or may include data such as an image of a user photographed by a camera on the service device side, and moving images. Or user data to be collected using a fingerprint recognition sensor or the like. Such data included in the user authentication response can be referred to as user authentication information. The user authentication information represents information used for identification of an insured person collected and transmitted by the service device, and may include information / data corresponding to at least one of an image, a moving image, and a fingerprint. When the user authentication request is transmitted (S4070), the management server transmits information about the insured person (photograph, date of birth, profile information, etc.) to the service device, and the service device performs user authentication based on the received insurance subscriber information . Alternatively, it is also possible to automatically photograph a user and transmit an image for a camera provided in the service device. The user authentication information may further include biometric information such as temperature, pulse, and blood pressure of the user measured through the sensor. Although not shown in FIG. 4, the user authentication response and the user authentication information included therein may be transmitted to the insurance server. The user authentication information may be transmitted together with the insurance start request in step S4090.

By receiving the user authentication information from the service device, it is possible to prevent insurance fraud, which is the biggest problem of online-based insurance service. That is, it is difficult to confirm whether the user of the user terminal is an actual insurance subscriber when inserting / starting insurance based on the user terminal. Therefore, the identity verification is performed through the third party and the provider providing the leisure service, Can be solved. In particular, since leisure operators are parties involved in the payment of insurance premiums in the event of an accident, the benefits of identifying themselves through a business are more significant. In addition, biometric information can be used to identify the cause of an accident, such as drinking or illness, to clarify the cause.

The managing server receives the user authentication response (S4080), and can transmit the insurance start request (S4090) to the insurance server when it is confirmed that the insured person and the user who intends to start the insurance match. As described above, by transmitting the user authentication information to the insurance server, it is possible to check whether the insurer matches the user at the insurance server side. Alternatively, the insurance server may transmit information confirming that the insurance has been initiated at the start of the insurance (S4100). When the management server receives the insurance start confirmation information (S4100), it transmits it to the user terminal (insurance start notification; S4110) to notify the user that the pre-existing insurance has been initiated.

If the management server receives the user authentication response but the insurance subscriber does not match the insured user, the management server sends it to the insurance company / user terminal to ask for confirmation again, and the insurance information is modified to match the insurance subscriber with the user , And if the subscriber and the user do not match at the end, the insurance initiation procedure may be stopped and informed to the insurance server. This process can also be performed on the insurance server.

FIG. 5 is a diagram illustrating a method of providing a lease insurance for a user who has not been insured according to an embodiment of the present invention and a disclosure method.

3, the management server transmits the start of use of the A-area service to the user terminal and notifies the user terminal of the use of the A-area service (S3060, S5010) based on the location information received from the user terminal, To perform user registration (S3070, S5020).

As described with reference to FIG. 4, the management server transmits a request for insuring the insurance to the insurance server (S5030), and if the user does not subscribe to the leisure insurance in advance, the insuring information is received (S5040).

If the user does not subscribe to the leisure insurance in advance, the management server can notify the management server of the lease insurance offer (S5050). This may be performed in such a manner that when the specific information is transmitted from the management server to the user terminal, the leisure application of the user terminal displays the interface corresponding to the lease insurance subscription proposal corresponding to the specific information.

When the user approves / requests the insurance subscription in response to the insurance subscription proposal, the management server receives the insurance subscription agreement from the user terminal (S5060), transmits the insurance subscription information request necessary for insurance subscription to the user terminal (S5070 ), The insurance subscription information is received from the user terminal (S5080) and transmitted to the insurance server (S5090). However, if the user has previously insured the insurance server through the management server or has agreed to provide the user information, the steps S5070 and S5080 may be omitted, . Alternatively, the steps S5070 and S5080 may be omitted even if the user information is already stored in the insurance server for insuring the existing insurance, and only the insurance addition request for the corresponding user may be transmitted to the insurance server in step S5090 .

The insurance server determines whether or not to insure the insurance through the received insurance information or the user information, and if there is no problem in insuring the insurance server, the insurance server approves the insurance inscription and transmits the insurance approval notification (S5100) to the management server. When the management server receives the insurance approval approval notice from the insurance server (S5100), it can transmit it to the user terminal (S5110).

In Fig. 5, the start of leisure insurance can be performed using the steps S4050 to S4110 in Fig. In the case of FIG. 5, since it is determined that the service of the A area has already been used, an insurance start confirmation request is sent together with the insurance admission approval notification (S5110), and upon receiving an acknowledgment from the user terminal, Leisure insurance can be initiated right away.

FIG. 6 is a diagram illustrating a method of providing a leisure insurance for a user who is not insured according to an embodiment of the present invention.

FIG. 6 shows a case where a user is not insured, and instead of notifying the user immediately, the service device is notified to the service provider, and the service provider proposes a method for proposing insurance for the user. Therefore, in FIG. 6, steps other than the steps S6050 to S6070 correspond to the steps in FIG. 5, so that they will not be described in duplicate.

Insurance In addition, a service such as a gift, in which a specific user pays for insurance and proceeds with the name of the insurance, is already provided. In particular, in the leisure business, short-term insurance is not very expensive, and in terms of sharing the risks due to the nature of leisure activities, operators can offer services to cover the costs of leisure insurance and to join the user's insurance. Figure 6 is a flow chart for this method.

As described above, when the user is not covered by insurance, the management server can notify the service terminal to the service terminal first (S6050). In order to confirm whether insurance company presents to the user of the company first. The service device and the user terminal may be notified together, but this is not separately described since the method of FIG. 5 and FIG. 6 are performed together.

If the provider, that is, the leisure service provider, wants to present the insurance to the user, the service provider may transmit the insurance offer request for the user through the service device (S6060). That is, when the management server receives the insurance offer request for the user of the user terminal from the service device (S6060), the management server can transmit the insurance offer to the user terminal (S6070). When the user agrees to the insurance offer, the insurance subscription agreement is received from the user terminal (S6080), and the following steps may be performed as described in FIG.

Although not shown in FIG. 6, in the case of FIG. 6, the cost settlement part is not made between the insurance server and the user terminal but also between the insurance server and the service device. In this specification, the charge processing by insurance is not described in detail, but in the case of FIG. 5, the insurance server can receive the insurance fee through the user terminal using the electronic payment system previously set in the insurance server, You can also use a gong server. However, in the case of FIG. 6, the service charge is carried out from the service device. The payment / receipt of the cost may be performed before or during the insurance information transmission phase, or between the insurance information transmission phase and the insurance approval notification step.

FIG. 7 illustrates a method of determining a location of a user terminal and terminating a user terminal / user from a leisure service of a specific leisure business center according to an embodiment of the present invention.

The management server receives location information from the user terminal at the adjusted time intervals as described in FIG. 3 (S7010). Then, it can be determined from the received location information that the user terminal has departed from area A (S7010).

If it is determined that the user terminal has departed from area A, the management server may transmit a request for confirming termination of use of area A to the user terminal (S7020). When the A-area service use termination confirmation is received from the user terminal (S7030), it is determined that the user terminal does not finally use the A-area service. This is because the service may leave the area A only for a while while using the service. In such a case, erasing all orders, reservations, etc. that the user has applied through the application may cause a great inconvenience on the user side. The service use end confirmation can be received even if the user selects OK in the end confirmation request interface or does not input more than the predetermined time.

Upon confirming the end of use of the A-area service by the user, the management server can transmit the user departure notification to the service device (S7040). Optionally, the management server may send a user exit notification to the insurance server (S7050).

Upon receipt of the user departure notification, the service device cancels or terminates activities such as reservation, waiting, and the like that the user has been in progress. If the user uses the leisure service, the service device can collect leisure activity data and transmit it to the management server (S7060 ). The service device may collect and store leisure activity data using equipment such as a camera connected to the service device or the service device. For example, various log data such as the number of times the user walks the water ski / wakeboard, the time, number of times, the distance, the course, the type, And, during the leisure activity, the user can shoot it and save it as an image or a moving picture. Such leisure activity data can be edited and stored in the service device or the management server.

The management server transmits the leisure activity data received to the user terminal (S7070), and may selectively transmit the leisure activity data to the insurance server (S7080). By transmitting leisure activity data to the user terminal, the user can obtain objective data on the leisure activity that he / she has conducted and can also help to improve the level through this. In case of transferring to the insurance server, the insurer confirms whether the name of the actual insured person who has registered the leisure insurance has performed the leisure activity. In case of an accident, the data such as black box is used for calculation of insurance receipt amount or accident rate It is possible.

The management server may also edit / process leisure activity data as needed. For example, an insurance company can secure data even though it receives images and images at the start / end of leisure activities, or intermittent and low-capacity video / images with a wide time interval, but satisfies the purpose of identity verification. In addition, the user terminal may further perform operations such as editing / organizing / compressing leisure activity data for data transmission efficiency, and then transmitting the data. The management server may compress and edit the received leisure activity data or provide a format such as a user-friendly interface / graph to switch. Leisure activity data can be edited / processed in different ways for both user devices and insurers.

The embodiments described above are those in which the elements and features of the present invention are combined in a predetermined form. Each component or feature shall be considered optional unless otherwise expressly stated. Each component or feature may be implemented in a form that is not combined with other components or features. It is also possible to construct embodiments of the present invention by combining some of the elements and / or features. The order of the operations described in the embodiments of the present invention may be changed. Some configurations or features of certain embodiments may be included in other embodiments, or may be replaced with corresponding configurations or features of other embodiments. It is clear that the claims that are not expressly cited in the claims may be combined to form an embodiment or be included in a new claim by an amendment after the application.

It will be apparent to those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. Accordingly, the foregoing detailed description is to be considered in all respects illustrative and not restrictive. The scope of the present invention should be determined by rational interpretation of the appended claims, and all changes within the scope of equivalents of the present invention are included in the scope of the present invention.

1010: User terminal
1020: Service equipment
1030: Managed server
1040: Insurance server
1050: Network

Claims (12)

A method for providing and terminating location-based leisure insurance for a management server communicating with a user terminal, a service device, and an insurance server,
Receiving location information of the user terminal from the user terminal at a first time interval;
Transmitting a request for use of a leisure service in the first service area to the user terminal when it is determined that the user terminal is located in the first service area through the location information;
When receiving a leisure service use confirmation response of the first service area from the user terminal, transmits a leisure insurance check request to the insurance server through the user information of the user terminal, Changing the first time interval for collecting to a second time interval longer than the first time interval;
Transmitting a lease insurance start confirmation request to the user terminal when it is determined that the user of the user terminal is subscribed to the leisure insurance;
Transmitting a user authentication request for identity verification to the service device located in the first service area when receiving an insurance initiation confirmation from the user terminal, The user authentication request transmission step including the information;
Transmitting a leisure insurance start request to the insurance server when the user authentication response is received from the service device and the matching of the insurance subscriber and the user of the user terminal is confirmed, Video, and fingerprint information, comprising the steps of: transmitting the leisure insurance start request; And
And transmitting a service use termination confirmation request for the first area when it is determined that the user terminal has left the first service area through the location information. The method according to claim 1,
Further comprising the step of transmitting a user exit notification to the service device when receiving the first local service use termination confirmation from the user terminal. The method according to claim 1,
Further comprising the step of transmitting a user exit notification to the insurance server when receiving the first local service use termination confirmation from the user terminal. 3. The method of claim 2,
And receiving the user's leisure activity data from the service device. 5. The method of claim 4,
And sending the leisure activity data to at least one of the user terminal or the insurance server. 6. The method of claim 5,
Wherein the leisure activity data is edited or processed by the leisure activity data received from the service device. A location-based leisure insurance providing and terminating device in communication with a user terminal, a service device and an insurance server,
A communication unit for performing communication with an external device via a network;
A storage unit for storing data; And
And a processing unit for controlling the communication unit and the storage unit,
The apparatus comprises:
The method comprising: receiving location information of the user terminal from the user terminal at a first time interval; and when it is determined through the location information that the user terminal is located in the first service area, Sending a request to the user terminal,
When receiving a leisure service use confirmation response of the first service area from the user terminal, transmits a leisure insurance check request to the insurance server through the user information of the user terminal, Changing the first time interval for collecting to a second time interval longer than the first time interval,
When the user of the user terminal is confirmed to be enrolled in the leisure insurance, transmits a leisure insurance start confirmation request to the user terminal,
And transmits a user authentication request for identifying the user to the service device located in the first service area when the insurance initiation confirmation is received from the user terminal, Including,
And transmits a leisure insurance start request to the insurance server when the user authentication response is received from the service device and the match between the insured user and the user of the user terminal is confirmed, and the user authentication response includes an image, And at least one of fingerprint information, and
And transmits a service use termination confirmation request of the first area when it is determined that the user terminal has left the first service area through the location information. 8. The method of claim 7,
And transmits a user exit notification to the service device when receiving the first local service use termination confirmation from the user terminal. 8. The method of claim 7,
And transmits a user exit notification to the insurance server when receiving the first local service use termination confirmation from the user terminal. 9. The method of claim 8,
And receiving the user's leisure activity data from the service device. 11. The method of claim 10,
And transmits the leisure activity data to at least one of the user terminal or the insurance server. 12. The method of claim 11,
Wherein the leisure activity data is edited or processed by the leisure activity data received from the service device.

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