KR20170040077A - Method and server for providing insurance policy and gurantee information - Google Patents

Method and server for providing insurance policy and gurantee information Download PDF

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KR20170040077A
KR20170040077A KR1020160052317A KR20160052317A KR20170040077A KR 20170040077 A KR20170040077 A KR 20170040077A KR 1020160052317 A KR1020160052317 A KR 1020160052317A KR 20160052317 A KR20160052317 A KR 20160052317A KR 20170040077 A KR20170040077 A KR 20170040077A
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information
insurance
providing
user terminal
user
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KR1020160052317A
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Korean (ko)
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김대홍
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김대홍
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/50—Information retrieval; Database structures therefor; File system structures therefor of still image data
    • G06F16/58—Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually
    • G06F16/5866—Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using information manually generated, e.g. tags, keywords, comments, manually generated location and time information
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H10/00—ICT specially adapted for the handling or processing of patient-related medical or healthcare data

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  • Business, Economics & Management (AREA)
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  • Accounting & Taxation (AREA)
  • Human Resources & Organizations (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Quality & Reliability (AREA)
  • Public Health (AREA)
  • Primary Health Care (AREA)
  • Medical Informatics (AREA)
  • General Health & Medical Sciences (AREA)
  • Operations Research (AREA)
  • Databases & Information Systems (AREA)
  • Tourism & Hospitality (AREA)
  • Epidemiology (AREA)
  • Health & Medical Sciences (AREA)
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Abstract

According to an embodiment, there is provided a method for providing insurance information by an insurance information providing server, comprising: receiving from a user terminal a disease classification code or disease name input by a user; Providing a body image to a user terminal including a body part associated with the disease classification code or disease name; Receiving selection information for a portion of the image from the user terminal; And providing at least one of insurance information, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information related to the selected site based on the received information. An information providing method is provided.

Description

METHOD AND SERVER FOR PROVIDING INSURANCE POLICY AND GURANTEE INFORMATION

More particularly, the present invention relates to a method and system for enabling a user to easily visually inspect insurance contents by simply selecting a site where a user wants to know details, will be.

In general, for the purpose of guaranteeing various kinds of future matters such as insurance, the products that are sold under the terms of the various contracts stipulated by the parties are reviewed by the state agency beforehand, It must be issued to a consumer who is one of the parties to the contract and it is recognized as a normal contract.

In accordance with the characteristics of these products, issuance of the related terms in the insurance contract process is an indispensable obligation, and conventionally, the product terms are usually printed on paper, produced in the form of booklets, and issued to consumers as subscribers.

However, in the case of services such as insurance, the content of the insurance contracts provided to customers is very numerous, and it is very difficult for customers to read such information because a lot of difficult terms are contained in each content. Even if you read it, it is impossible to grasp its meaning.

Therefore, most of the customers do not know exactly the terms of the agreement, and often join the insurance service.

In addition, even after insuring, you can only know by consultation through a call center or the like in order to know the guarantee contents of the insurance you have joined. Therefore, the call and response waiting time to the call center are inevitably consumed.

Even if the consultation is carried out through the telephone conversation with the counselor, it is difficult to remember the contents of consultation again because it is difficult to accurately memorize the consultation contents, and it ends only by listening.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the prior art.

It is an object of the present invention to propose a system that enables a customer to provide necessary information in an intuitive way in the course of insurances and insurance services.

According to an embodiment of the present invention, there is provided a method for providing insurance information by an insurance information providing server, comprising: providing a body image to a user terminal; Receiving selection information for a part of the body image from the user terminal; And providing at least one of insurance information, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information associated with the part.

According to another embodiment of the present invention, there is provided a method for providing insurance information by an insurance information providing server, comprising: receiving a disease classification code or disease name input by a user from a user terminal; And providing at least one of insurance information related to the disease classification code or disease name, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information.

The insurance information providing method comprising the steps of: receiving, from the user terminal, insurance information of the user and insurance information of each insurance item; And providing a guarantee range for each guarantee item to the user terminal in a radial graph, wherein the guarantee range for each guarantee item is provided together on the radial graph.

The step of providing with the radial graph may include the step of providing a guarantee range for each guarantee item in the age range of the user together.

The insurance information providing method may further include a step of providing a supplementary method for the guarantee item when the difference between the guarantee coverage of the insurance held by the user and the ideal coverage exceeds a threshold value . ≪ / RTI >

According to another embodiment of the present invention, there is provided a method for displaying a body image on a user terminal, the method comprising: displaying a body image on a user terminal; Transmitting selection information on a part of the body image to an insurance information providing server; And receiving and displaying at least one of insurance information, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information associated with the part, from the insurance information providing server and displaying the information The application is provided.

According to another embodiment of the present invention, there is provided a method for providing an insurance information providing server, comprising the steps of: transmitting a disease classification code or disease name input from a user to a insurance information providing server, And receiving and displaying at least one of insurance information, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information associated with the disease classification code or disease name from the insurance information providing server Applications stored on media are provided.

According to the embodiment of the present invention, the customer can provide the necessary information in an intuitive manner when the insurance subscription and insurance service are performed.

1 is a block diagram illustrating an insurance policy and a guarantee information providing system according to an embodiment of the present invention.
2 is a block diagram showing a detailed configuration of an insurance policy and a guarantee information providing system according to an embodiment of the present invention.
FIG. 3 is an example of a screen showing an entire guaranteed range image according to an embodiment of the present invention.
4 is an example of a screen that visually shows a radial graph provided by the insurance diagnosis unit according to the embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

1 is a block diagram illustrating an insurance policy and a guarantee information providing system according to an embodiment of the present invention.

1, a system according to an embodiment includes a user terminal 100, an insurance information providing server 200, an insurance company server 300, and a medical institution server 400 that can communicate with each other through a communication network .

The communication network according to an exemplary embodiment may be configured without regard to the communication mode such as wired and wireless communication, and may be a communication network such as a local area network (LAN), a metropolitan area network (MAN) WAN: Wide Area Network). Preferably, the communication network according to an embodiment of the present invention may be a known World Wide Web (WWW) or the like.

The user terminal 100 allows a user to access the insurance information providing server 200, the insurance company server 300, and the medical institution server 400. An application distributed from the insurance information providing server 200 or the insurance company server 300 may be installed in the user terminal 100. [ According to an embodiment, an application store server (not shown) in which various applications are uploaded may be further provided, and the user terminal 100 may access the application store server to download and install the application.

The user terminal 100 can access the insurance information providing server 200 and receive information on various insurances such as the insurance to which the user terminal 100 is subscribed or the insurance that the user terminal desires to join. The information is formed in a form that the user can recognize through the application executed in the user terminal 100 or the web browser.

According to one embodiment, the user executes the insurance information providing application installed in the user terminal 100, selects one of the displayed insurance lists, and displays information on the selected insurance, for example, Can be obtained. This information service or recommendation service for various insurance can be utilized as a promotion associated with a plurality of insurance companies. According to an embodiment of the present invention, when providing insurance coverage for a disease or injury to a body, a human body is displayed in an infographic form in an application, and when a user selects a part of the body, Coverage, etc. may be provided. The information provided through the user terminal 100 may be provided through DB stored in the application installed in the user terminal 100 or may be provided from the insurance information providing server 200 in real time.

The user terminal 100 may be a personal computer (for example, a notebook computer), a tablet PC, a smart phone, a smart TV, a personal digital assistant , A mobile phone, a navigation device, a web pad, a personal digital assistant (PDA), a workstation, and the like, and includes a microprocessor and a computing device.

The insurance information providing server 200 according to an embodiment receives information about various insurance or general insurance terms from one or more insurance company servers 300 and stores the information. When the user accesses the insurance information providing server 200 through the user terminal 100, the insurance information providing server 200 may provide information on insurance policies and a customized insurance product recommendation service, You can also provide a list.

As described above, the insurance information providing server 200 may receive the insurance selection information from the user terminal 100, and may provide information on the coverage and the guarantee contents for the selected insurance. First, a whole body graphic is displayed in an infographic manner on the user terminal 100, and a user selects a desired region in the displayed general graphic, and the selection information is transmitted to the insurance information providing server 200 have. The insurance information providing server 200 can provide information on diseases and injuries that may appear in the body parts selected by the user, and guarantees when diseases and injuries occur.

The insurance information providing server 200 may be integrated with the insurance company server 300. According to another embodiment of the present invention, the insurance information providing server 200 may provide the insurance information providing application 200 with the insurance information providing application It can also be implemented in the form of a database to be installed.

The insurance company server 300 according to one embodiment stores information on various insurance, for example, information such as contract information, guarantee content, and coverage. In addition, the insurance company server 300 may provide the insurance service to the user through the known online and offline insurance subscription schemes. When information such as a change in the insurance policy is updated, the information is periodically transmitted to the insurance information providing server 200 so that the information can be synchronized.

FIG. 2 is a block diagram showing in detail the configuration of the insurance policy and guarantee information providing server 200 according to an embodiment of the present invention.

2, the insurance policy and guarantee information providing server 200 includes an insurance list providing unit 210, an entire coverage providing unit 220, an insurance information providing unit 230 for each detailed unit, an insurance diagnosis unit 240 A supplementary information providing unit 250, a communication unit 260, and a control unit 270.

The insurance information providing unit 230, the insurance diagnosis unit 240, the additional information providing unit 250, the communication unit (not shown) 260), the control unit 270 may be a program module or hardware capable of communicating with an external device. Such a program module or hardware may be included in the insurance information providing server 200 or other apparatus communicable therewith in the form of an operating system, an application program module and other program modules, and may be physically stored on various known storage devices . Such program modules or hardware, on the other hand, encompass but are not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

The insurance list provider 210 according to an embodiment provides an insurance list that can provide information according to a request for providing an insurance list from the user terminal 100. [ The insurance list may be provided from a plurality of insurance company servers 300. The user terminal 100 may transmit an insurance list provision request through an application or a web browser.

The entire coverage providing unit 220 according to an embodiment provides an image of the entire coverage of insurance selected by the user. According to one embodiment, the insurance selected by the user may be a guarantee insurance for the body, in which case an image of the whole body as shown in Fig. 3 may be provided. The body image can be divided into several parts so that the user can select a part. For example, as shown in FIG. 3, a body image may be provided, which is divided into a whole body, head / face, neck / chest, abdomen, pelvis, and arms / legs.

The detailed insurance information providing unit 230 according to an exemplary embodiment receives information on the detailed site selected by the user from the user terminal 100 in the image of the entire guaranteed coverage area provided on the basis of the received user selection information, , And provides detailed insurance information on the detailed site to the user terminal 100. For example, if a whole body image is provided as a whole coverage area and the user selects an arm, the insurance information providing unit 230 for each detailed unit provides information on disease / injury to the arm, guarantee contents for each disease / Insurance product information and the like to the user terminal 100. According to an exemplary embodiment, a related insurance product recommendation service that is specialized for a specific region and can provide a larger guarantee may be provided, and a menu for receiving an insurance design service for a separate insurance for each detail region may be provided.

When the user terminal 100 is based on a touch screen, the user's selection is completed only by touching a portion of the entire guaranteed range provided by the user as to obtain detailed information, because the entire guaranteed range is provided as an image .

The insurance list providing unit 210, the entire coverage providing unit 220, and the detailed information providing unit 230 are selectively implemented in the embodiment of the present invention, May be omitted in the second embodiment.

The insurance diagnosis unit 240 according to one embodiment provides the user terminal 100 with the failure rate information according to the disease / injury according to each detailed site within the entire guaranteed range. According to an exemplary embodiment, a user inputs a guarantee item and a guarantee range (a guaranteed amount, etc.) of the insurance he / she currently holds through the user terminal 100, and stores his or her personal information (for example, age, Etc.), an ideal guarantee item and a guarantee coverage level of a user group having similar personal information (for example, a user group of the same age group) are displayed, and at the same time, The ranges are displayed together.

For example, as shown in FIG. 4, the radioactive graph for the guarantee items (cancer, cerebrovascular disease, heart disease, etc.) and each coverage range currently held by the user is represented by a solid line, The ideal guarantee items and the level of each guarantee range can be expressed together with dashed lines. In addition, simple analytical data can be provided, and if the difference between the insurance coverage and the ideal coverage of the user is greater than the threshold value, a supplementary information or additional information is provided for the guarantee item.

The supplementary information providing unit 250 according to an embodiment provides the user terminal 100 with a search window for a disease classification code or a disease name. The supplementary information providing unit 250 may provide a search window for a disease classification code or a disease name, It is possible to provide appropriate food, medical information, hospital / physician recommendation information, insurance information appropriate for the injury in the injured area. On the other hand, prior to providing the above additional information, insurance term information associated with the disease or injury site may be provided. The insurance policy information provided at this time may be information common to the disease or injury area regardless of the type of the insurance product.

In addition, according to the embodiment of the present invention, a body image as shown in FIG. 3 is provided to the user terminal 100, and when the user makes a selection for a specific region, Insurance information (such as contract information), exercise method, treatment method, food, medical information, and hospital / physician recommendation information may be provided.

The communication unit 260 according to one embodiment allows the insurance information providing server 200 to transmit and receive information to and from the user terminal 100, the insurance company server 300, or the medical institution server 400. If the insurance information providing server 200 is included in the user terminal 100 or the insurance company server 300, the communication unit 250 may be omitted.

The control unit 270 according to an exemplary embodiment of the present invention includes an insurance list providing unit 210, an entire coverage providing unit 220, an insurance information providing unit 230 for each detailed unit, an insurance diagnosis unit 240, 250), and controls the functions of the communication unit 260 to operate properly.

According to the embodiment of the present invention, since the entire coverage can be expressed by an image, and the user can obtain the insurance information for each detail part, the details can be confirmed only by touching the corresponding part, It is possible to easily grasp the detailed guarantee contents of the insurance to which the user belongs or the insurance to be joined.

In addition, in the case of the guarantee insurance related to the body, the information on the failure rate that the general user can not understand is also provided in a graphical and easy-to-understand manner, so that the user can easily obtain insurance information.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: User terminal
200: insurance information providing server
300: Insurer server
210: Insurance Listed Study
220: Full coverage coverage
230: Insurance information by detail
240: Insurance Inspection Department
250: Additional information Offering
260:
270:

Claims (7)

A method for an insurance information providing server to provide insurance information,
Providing a body image to a user terminal;
Receiving selection information for a part of the body image from the user terminal; And
Providing at least one of insurance information, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information associated with the part. A method for an insurance information providing server to provide insurance information,
Receiving a disease classification code or disease name input by a user from a user terminal; And
Providing at least one of insurance information related to the disease classification code or disease name, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information. 3. The method according to claim 1 or 2,
Receiving from the user terminal information on a guarantee condition of the insurance held by the user and a coverage range of each guarantee item; And
The method of claim 1, further comprising: providing the user terminal with a coverage range for each security item in a radial graph, and providing an ideal coverage area for each security item on the radial graph. The method of claim 3,
Wherein providing the radial graph comprises:
And providing an insurance coverage for each guarantee item, which is ideal in the age range of the user. The method of claim 3,
After providing the radial graph,
And providing a supplementary method for the corresponding guarantee item when the difference between the guarantee coverage of the user and the ideal coverage is greater than or equal to the threshold value. Coupled to the user terminal,
Displaying a body image on a user terminal;
Transmitting selection information on a part of the body image to an insurance information providing server; And
And receiving and displaying at least one of insurance information, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information associated with the part, from the insurance information providing server, and displaying the stored application . Coupled to the user terminal,
Transmitting a disease classification code or disease name input from a user to an insurance information providing server; And
And receiving and displaying at least one of insurance information related to the disease classification code or disease name, exercise method, treatment method, food information, medical information, hospital recommendation information, and physician recommendation information from the insurance information providing server, Application stored in.
KR1020160052317A 2015-10-02 2016-04-28 Method and server for providing insurance policy and gurantee information KR20170040077A (en)

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KR20150139127 2015-10-02
KR1020150139127 2015-10-02

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101983383B1 (en) * 2018-09-21 2019-05-28 (주)우리메디컬컨설팅 Method for providing insurance clause rule based medical information service associate with similar question and answer database connecting to bigdata for health insurance claim
CN112307307A (en) * 2019-07-24 2021-02-02 马上消费金融股份有限公司 Insurance product recommendation method and device

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101983383B1 (en) * 2018-09-21 2019-05-28 (주)우리메디컬컨설팅 Method for providing insurance clause rule based medical information service associate with similar question and answer database connecting to bigdata for health insurance claim
CN112307307A (en) * 2019-07-24 2021-02-02 马上消费金融股份有限公司 Insurance product recommendation method and device
CN112307307B (en) * 2019-07-24 2024-01-19 马上消费金融股份有限公司 Insurance product recommendation method and apparatus

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