KR20180005496A - Processing Method and Apparatus for Insurance Information - Google Patents

Abstract

The present invention relates to an apparatus and method for processing insurance information. The method for processing insurance information according to the present invention includes the steps of: transmitting customer information from a customer terminal to a management server; enabling the management server to extract the insurance information corresponding to the customer information by accessing at least one insurance server; storing the extracted insurance information in the management server; and enabling the management server to provide insurance-related information corresponding to the insurance information to the customer terminal. Accordingly, a customer can more easily check information related to an insurance which the customer takes out.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001]

The present invention relates to an insurance information processing apparatus and method.

In recent years, most people have several insurance policies.

However, since the types of insurance companies and insurance are very diverse and the terms are complicated, it is not easy for the customer to accurately grasp information such as guarantee contents of the insurance companies,

An object of the present invention is to provide an insurance information processing apparatus method that extracts insurance information from an insurance server using customer information and provides insurance-related information related to the extracted insurance information to a customer terminal.

The insurance information processing method according to the present invention includes the steps of transmitting customer information to a management server at a customer terminal, extracting insurance information corresponding to the customer information by accessing at least one insurance server, Storing information in the management server, and providing the insurance related information corresponding to the insurance information to the client terminal by the management server.

The insurance-related information may include the same part as the insurance information, or may include a part processed from the insurance information.

In addition, the customer information may include at least one of authentication information and security information.

The insurance-related information includes insurance type information, expiration information, termination refund information, insurance agent information, insurance company information, contract information, contractor information, insured information, beneficiary information, statutory inheritance information, insurance payment information, And may include at least one.

The management server may classify the insurance information by insurance companies or classify the insurance information according to insurance types.

In addition, the management server may provide change alarm information to the customer terminal to notify the change when the insurance information is changed.

The change alarm information includes at least one of beneficiary change alarm information for notifying the change of the beneficiary to the insurance, effective alarm information for informing the insurance effectiveness, designer change alarm information for notifying the change of the insurance planner in charge, Change alarm information for notifying the change, premium change alarm information for notifying the change of the premium, insurance time change alarm information for notifying the change of the insurance period, and contractor change alarm information for notifying the change of the contractor.

In addition, the management server may provide notification information for a customer who pays the insurance premium more than the first reference amount for the predetermined insurance.

In addition, the management server may provide notification information about a customer who has contracted the insurance amount for the predetermined insurance within the reference period with the second reference amount or more.

In addition, when the customer corresponding to the customer terminal subscribes to at least one new insurance, the management server may provide subscription alarm information for notifying insurance subscription to the customer terminal.

The management server may provide revocation alarm information to the customer terminal to notify the insurance termination if the customer corresponding to the customer terminal has canceled at least one insurance.

In addition, when the customer corresponding to the customer terminal subscribes to the insurance that is duplicated, the management server may provide the duplicate alarm information to the customer terminal, which notifies duplication of insurance.

Also, the management server may provide expiration alarm information to the customer terminal informing expiration of at least one insurance.

In addition, the management server can access the insurance server according to a preset cycle to extract the insurance information.

In addition, the management server can provide information on non-payment of premiums to the customer terminal.

The management server may further include a step of providing information corresponding to the contents retrieved to the client terminal based on insurance related contents retrieved on the web by the client terminal.

The insurance information processing apparatus according to the present invention includes a customer terminal for transmitting customer information, a management server for receiving the customer information from the customer terminal, and an insurance server for storing insurance information corresponding to the customer information, May access the at least one insurance server to extract insurance information corresponding to the customer information, store the extracted insurance information, and provide insurance related information corresponding to the extracted insurance information to the customer terminal.

The insurance information processing method and apparatus according to the present invention automatically extracts insurance information from the insurance server using the customer information and collects / classifies the insurance information to provide the information to the customer so that the customer can more easily obtain information Can be confirmed.

1 and 2 are views for explaining an insurance information processing apparatus according to the present invention.
3 to 6 are views for schematically explaining the insurance information processing method.
7 to 12 are diagrams for explaining a method of sorting / organizing insurance-related information.
13 to 16 are diagrams for explaining a method for updating insurance-related information.
17 to 18 are diagrams for explaining a method of providing information in response to an insurance related message.
FIGS. 19 to 21 are diagrams for explaining a method of providing information corresponding to search contents.
22 to 31 are diagrams for explaining insurance related information provided to a customer terminal.
32 to 33 are views for explaining another form of analysis information and diagnostic information.
34 to 36 are diagrams for explaining a method of selecting a charge insurance agent.
37 to 39 are diagrams for explaining a method of granting the information reading right to the insurance agent in charge.
40 to 43 are diagrams for explaining a method of calling an insurance agent.
44 to 48 are diagrams for explaining an insurance-related consultation method.
49 to 50 are diagrams for explaining a method of monitoring the activity of a designer terminal.
51 to 56 are diagrams for explaining a method of disclosing insurance-related information to an information-sharing member

Hereinafter, a method and an apparatus for processing insurance information according to the present invention will be described in detail with reference to the accompanying drawings.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It is to be understood that the present invention is not intended to be limited to the specific embodiments but includes all changes, equivalents, and alternatives falling within the spirit and scope of the present invention.

In describing the present invention, the terms first, second, etc. may be used to describe various components, but the components may not be limited by the terms. The terms may only be used for the purpose of distinguishing one element from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

The term " and / or " may include any combination of a plurality of related listed items or any of a plurality of related listed items.

When an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may be present in between Can be understood. On the other hand, when it is mentioned that an element is "directly connected" or "directly connected" to another element, it can be understood that no other element exists in between.

The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions may include plural expressions unless the context clearly dictates otherwise.

In the present application, the terms "comprises", "having", and the like are used interchangeably to designate one or more of the features, numbers, steps, operations, elements, components, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, may have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries can be interpreted as having a meaning consistent with the meaning in the context of the relevant art and are, unless expressly defined in the present application, interpreted in an ideal or overly formal sense .

In addition, the following embodiments are provided to explain more fully to the average person skilled in the art. The shapes and sizes of the elements in the drawings and the like can be exaggerated for clarity.

The various embodiments described below may be implemented in a recording medium readable by a computer or similar device using software, hardware, or a combination thereof.

In accordance with a hardware implementation, embodiments of the present invention may be implemented in a processor, such as application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays may be implemented using at least one of processors, controllers, micro-controllers, microprocessors, and electrical units for performing functions.

On the other hand, according to a software implementation, embodiments such as procedures or functions in the present invention may be implemented with separate software modules that perform at least one function or operation.

Hereinafter, 'A and / or B' can be interpreted as 'at least one of A and B.'

1 and 2 are views for explaining an insurance information processing apparatus according to the present invention.

1, the insurance information processing apparatus 10 according to the present invention may include a customer terminal 100, a management server 110, and an insurance server 120.

In addition, the apparatus 10 according to the present invention may further include a designer terminal 130 and an administrator terminal 140.

The customer terminal 100 can transmit customer information (customer information) to the management server 110.

The management server 110 can store and manage the insurance information corresponding to the customer information. In addition, the management server 110 can process and store the insurance information corresponding to the customer information.

The management server 110 may provide (transmit) the processed information of the insurance information and / or the insurance information to the customer terminal 100. In other words, the management server 110 provides the insurance information extracted from the insurance server 120 to the customer terminal 100 as it is in response to the customer information, processes the extracted insurance information through predetermined processing, 100). ≪ / RTI >

Hereinafter, the information obtained by processing the insurance information and / or the insurance information provided by the management server 110 may be referred to as insurance-related information corresponding to the insurance information. That is, insurance related information may be information processed insurance information or insurance information itself.

The insurance server 120 may store insurance information of the customer.

The insurance server 120 can provide the insurance information corresponding to the customer information to the customer terminal 100 and / or the management server 110. [

The designer terminal 130 can be regarded as a terminal corresponding to the insurance planner. The designer terminal 130 may be linked with at least one customer terminal 100 to contact at least a part of the insurance information corresponding to the customer.

The administrator terminal 140 can be regarded as a terminal corresponding to the manager who manages at least one insurance agent terminal 130. [

The administrator terminal 140 may monitor the connection between the customer terminal 100 and the designer terminal 130.

2, the management server 110 includes a customer information section 110a, a recommendation information section 110b, an extraction section 11c, a statistical information section 110d, a processing section 110d, An insurance information analyzing unit 110g, an updating unit 110h, a collecting unit 110i, a designer information unit 110j, a connection management unit 110k, a notification information unit 1101, A consulting content analyzing unit 110n, an expert connecting unit 110o, a consulting content processing unit 110p, and a shared member managing unit 110q.

The customer information section 110a can store / manage / provide customer information (customer information).

The extracting unit 110c can extract the insurance information corresponding to the customer information from the insurance server 120. [

At least one of the customer information unit 110a and the extracting unit 110c may be omitted when the customer terminal 100 accesses the insurance server 120 to extract insurance information.

The recommendation information section 110b may generate / store / manage / provide recommendation information to be recommended to the customer.

The statistical information section 110d can generate / store / manage / provide statistical information.

The processing unit 110e can process the insurance information corresponding to the customer information.

The diagnosis unit 110f can diagnose the insurance information corresponding to the customer information and generate / store / manage / provide the diagnostic information.

The insurance information analyzing unit 110g may generate / store / process / manage / provide the evaluation information by analyzing / evaluating the insurance information corresponding to the customer information.

The update unit 110h may update the insurance information corresponding to the customer information periodically and / or non-periodically.

The collecting unit 110i can collect / organize / classify various insurance information according to a predetermined criterion.

The designer information unit 110j can store / manage / provide information on the designer corresponding to the designer terminal 130. [

For example, the designer information unit 110j can store / process / manage / provide information on the designer's name, gender, age, final education, certification name, and activity area.

The connection management unit 110k can manage a link between the customer terminal 100 and the designer terminal 130. [

The notification information unit 1101 can generate / store / manage / provide notification information by analyzing the insurance information corresponding to the customer information.

The manager information unit 110m may store / manage / provide information on the manager managing at least one designer terminal 130. [

The consultation content analysis unit 110m can analyze the consultation content entered by the customer into the customer terminal 100 and determine the consultation contents.

For example, the consultation content analysis unit 110m can extract a keyword from the consultation content, and can identify / classify the consultation content according to the keyword.

The expert connection unit 110o can recommend / connect an appropriate expert according to the consultation contents. For example, when the consultation contents inputted by the customer into the customer terminal 100 include the contents relating to the automobile insurance, the expert connection unit 110o connects the terminal (the designer terminal 130, etc.) The contents of the consultation can be transmitted.

The consultation content processing unit 110p can appropriately process the consultation content entered by the customer and provide it to the expert (designer terminal 130).

The shared member management unit 110q may store / manage / provide information about the shared member set by the customer.

The insurance information processing method using the insurance information processing apparatus 10 described above will be described below.

3 to 6 are views for schematically explaining the insurance information processing method. In the following, description of the parts described above may be omitted.

3 to 4, in the insurance information processing method according to the present invention, the customer terminal 100 may transmit customer information to the management server 110 (S100).

Here, the customer information may include information for connection to the insurance server 120.

The information for accessing the insurance server 120 may include at least one of authentication information and security information.

The authentication information may include at least one of key information, a password, a resident registration number, fingerprint information, iris recognition, and speech recognition of a public certificate.

The security information may include the security number information.

It is also possible that a customer accesses the management server 110 using the customer terminal 100 and directly inputs customer information. Alternatively, information corresponding to the customer terminal 100 may be transmitted to the management server 110 in conjunction with the installation of the app according to the present invention in the customer terminal 100.

Alternatively, it is also possible that the customer information includes image information. For example, it may be possible for a customer to input customer information by taking an insurance policy photograph and uploading it to the management server 110. In such a case, the management server 110 may be able to analyze the image and read the text related to the customer's information from the image.

Thereafter, the management server 110 may access the insurance server 120 using the customer information transmitted by the customer terminal 100 (S200).

In addition, the management server 110 may extract insurance information corresponding to the customer information from the insurance server 120 (S300).

It is possible to extract insurance information using scrapping technology. For example, in the present invention, it is possible to extract insurance information from the insurance server 120 using Web scraping and / or screen scraping techniques.

Since the scrapping technique is a well known technique, further description of the scrapping technique is omitted.

Thereafter, the management server 110 may process the extracted insurance information so that it is convenient for the customer to confirm (S400).

If the insurance information extracted by the insurance server 120 is sufficiently easy for the customer to confirm, step S400 of processing the insurance information may be omitted.

Thereafter, the management server 110 may provide (transmit) the processed or unprocessed insurance information to the customer terminal 100 (S500). Accordingly, the insurance-related information may include the same portion as the insurance information extracted from the insurance server 120 or may include a portion processed from the insurance information.

The management server 110 can provide the insurance information that is processed or not activated to the customer terminal 100 at the request of the customer.

Alternatively, the management server 110 may provide at least one of the analysis information and the diagnosis information on the insurance information to the customer terminal 100. The analysis information and the diagnostic information may be clarified through the following description.

This method can be applied when the information for accessing the insurance server 120 is stored in the management server 110. [

If information for accessing the insurance server 120 is stored in the customer terminal 100 for security reasons or the like, the customer terminal 100 can access the insurance server 120. Such a case will be described with reference to FIGS. 5 to 6 as follows.

5 to 6, the customer terminal 100 may transmit the customer information to the management server 110 (S100).

Thereafter, the customer terminal 100 can access the insurance server 120 using the customer information (S200).

In addition, the customer terminal 100 may extract insurance information corresponding to the customer information from the insurance server 120 (S300). Even in such a case, the customer terminal 100 can extract insurance information from the insurance server 120 using scrapping technology.

Then, the customer terminal 100 can transmit the extracted insurance information to the management server 110 (S600).

Then, the management server 110 may process the extracted insurance information so that it is convenient for the customer to confirm (S400).

Thereafter, the management server 110 may provide (transmit) the processed or unprocessed insurance information to the customer terminal 100 (S500).

As described above, it is possible that the customer terminal 100 accesses the insurance server 120 to extract insurance information, or the management server 110 can access the insurance server 120 to extract insurance information.

Hereinafter, for convenience of explanation, it is assumed that the customer terminal 100 accesses the insurance server 120 to extract insurance information.

Information related to the insurance information extracted by the insurance server 120, that is, the insurance-related information can be collected into one place and provided to the customer so as to be easily identified. That is, in the insurance server 120, it is possible to classify / organize and collect insurance related information of a customer and provide the information to the customer terminal 100. Hereinafter, the present invention will be described with reference to the accompanying drawings.

7 to 12 are diagrams for explaining a method of sorting / organizing insurance-related information. In the following, description of the parts described above may be omitted.

In the customer terminal 100, it is possible to classify the insurance-related information according to the insurer and to provide it to the customer.

For example, as in the case of FIG. 7, the type of insurer (Samsung Life Insurance, Kyobo Life Insurance, AIG Life Insurance, Meritz Life Insurance, etc.) can be displayed on the screen of the customer terminal 100.

Here, the customer can select the desired insurance company. For example, if Samsung Life Insurance is selected as an insurance company, the customer can display information on the insurance (all insurance) that the customer has joined the insurance company (Samsung Life Insurance) on the screen of the customer terminal 100 have.

Here, when the customer selects a predetermined insurance, such as aaa cancer insurance, from the insurance that he / she has joined to Samsung Life Insurance, detailed information about aaa cancer insurance is displayed on the screen of the customer terminal 100 It is possible.

For example, on the screen of the customer terminal 100, it is possible to display the information on the guarantee contents of the aaa cancer insurance, the termination refund, the insurance payment history,

In FIG. 9, when the customer selects the 'view terms' menu, it is possible to display the terms of the aaa cancer insurance on the screen of the customer terminal 100.

Herein, only the case of the guarantee content, the termination refund, the insurance payment details and the terms and conditions are described as insurance related information provided to the customer terminal 100, but the present invention is not limited thereto. For example, in the present invention, the insurance related information provided to the customer terminal 100 includes insurance type information, expiration information, termination refund information, charge insurance agent information, insurance company information, contract information, contractor information, Statutory successor information, insurance payment information, and premium payment date information.

It may also be possible for the information of the insurance agent to include information on the credentials such as the designer's credentials.

Alternatively, in the customer terminal 100, it is possible to classify the insurance-related information according to the insurance type, and to provide the information to the customer.

For example, as in the case of FIG. 10, the type of insurance (cancer insurance, life insurance, pension insurance, savings insurance, dental insurance, etc.) can be displayed on the screen of the customer terminal 100.

Here, the customer can select a desired insurance type. For example, when the savings insurance is selected from among insurance types, information on the types of savings insurance (all savings insurance) subscribed by the customer can be displayed on the screen of the customer terminal 100, as in the case of FIG.

11 can be applied when a customer joins ddd savings insurance to Samsung Life Insurance and eee savings insurance to Hungkuk Life Insurance.

Here, if the customer selects a predetermined savings insurance, for example, ddd savings insurance of Samsung Life Insurance, detailed information on ddd savings insurance of Samsung Life Insurance may be displayed on the screen of the customer terminal 100.

Another way to sort, organize, and assemble insurance-related information by insurance company or type of insurance is shown in FIG.

FIG. 12A corresponds to a case where insurance-related information is classified / arranged / collected for each insurance company, and FIG. 12B corresponds to a case where insurance-related information is classified / arranged / .

When the insurance information is provided to the customer terminal 100 in the same manner as in FIG. 12, the customer can intuitively confirm the information on the insurance that the customer has joined.

In the present invention, when there is a change in the insurance information, the insurance-related information is updated, and the management server 110 can transmit the changed contents to the customer terminal 100. The following will be described with reference to FIGS. 13 to 16 attached hereto.

13 to 16 are diagrams for explaining a method for updating insurance-related information. In the following, description of the parts described above may be omitted.

In the present invention, the management server 110 and / or the customer terminal 100 periodically access the insurance server 120 (in accordance with a predetermined cycle) to extract insurance information and update the insurance-related information using the insurance information It can be possible.

13, the customer terminal 100 or the management server 110 accesses the insurance server 120 (S710) when it is determined to be the designated date (S700) can do.

Thereafter, the connected insurance server 120 extracts the insurance information (S720), and the insurance related information can be updated using the extracted insurance information (S730).

Here, the designated date can be set as a specific day of the week, a specific day every month, and the like. For example, if the specified day is set to Monday, it is possible to extract insurance information from the insurance server 120 every Monday, and update the insurance-related information using the insurance information.

Alternatively, it is possible to set the next day of the premium payment date to the specified date. For example, if the premium is due on the first day of each month, you can set the second day of the month to the specified date. In this case, you can update your insurance information quickly by reflecting the premium payment history.

Alternatively, it may be possible to determine whether there is a different part from the previous insurance information in the extracted insurance information after extracting the insurance information from the insurance server 120 (S720), and selectively update according to the determination result. In other words, when the insurance information extracted by the insurance server 120 includes the changed portion, the user can selectively update the insurance information.

In the present invention, an aperiodic update method can also be applied. For this purpose, it is possible to use an insurance related message.

For example, as in the case of FIG. 14, the customer terminal 100 determines whether or not an insurance related message is received (S800). If the insurance related message is received, the content of the insurance related message is analyzed (S810).

Here, the insurance related message may be received by the customer terminal 100 as at least one of a text message, a mail, and a messenger message.

The content analysis of the insurance-related message can also be performed by the customer terminal 100.

Alternatively, the customer terminal 100 may transmit an insurance related message to the management server 110 and analyze the content of the insurance related message in the management server 110.

As a result of analyzing the content of the insurance-related message, it can be determined whether the insurance content is changed (S820).

As a result of the determination in step S820, if the insurance content is changed, the insurance related information may be updated using the change content (S830).

For example, as in the case of FIG. 15, assume that a message is received from the insurance company, for example, Samsung Life Insurance Company, that the designer is changed from 'Hong Gil Dong' to 'Lim Jeong Jeong'. In this case, the insurance server 120 corresponding to Samsung Life's server, that is, Samsung Life Insurance, may transmit an insurance related message informing the customer terminal 100 of the change of the designer of the charge.

In this case, the management server 110 and / or the customer terminal 100 can analyze the content of the message and determine that the insurance agent has changed.

It is then possible to carry out an update to change the designer in charge of the insurance related information.

It is possible to apply various analysis techniques such as parsing of messages and keyword analysis in order to analyze the message and grasp the contents of the message.

On the other hand, if it is determined in step S820 that the insurance content has not been changed, it may be determined whether the insurance related message simply includes the notification related content (S840).

As a result of the determination in operation S840, if the insurance-related message includes the notification-related content, the content of the insurance-related message may be displayed on the screen of the customer terminal 100 and informed to the customer in operation S850.

On the other hand, if it is determined in step S840 that the insurance-related message does not include the notification-related content, another preset function may be performed (S860). For example, it is possible to change the telephone number to a non-insurance related telephone number.

It is possible to store the insurance related telephone number in the customer terminal 100 and / or the management server 110 in order to discriminate the insurance related message from the plurality of messages received by the customer terminal 100. [ For example, as in the case of FIG. 16, a telephone number corresponding to Samsung Life Insurance, a telephone number corresponding to Kyobo life, and a telephone number corresponding to AIG Life can be classified and stored.

Assume that a message is received by the customer terminal 100 at a number of 15xx-0001.

In this case, the customer terminal 100 can confirm that the corresponding number is a number corresponding to Samsung Life Insurance, and analyze the message or transmit the message to the management server 110.

Alternatively, the management server 110 monitors the client terminal 100 installed with the application to check whether the message is received with the corresponding number (15xx-0001) in the client terminal 100, and transmits a corresponding message to the client terminal 100 It may also be possible to request to be sent.

In other words, the management server 110 stores the telephone number corresponding to the insurance server 120, and when a message is transmitted to the customer terminal 100 in correspondence with the telephone number corresponding to the insurance server 120, The server 110 may be able to selectively update the insurance-related information corresponding to the content of the message.

Here, the insurance related telephone number stored in advance in the customer terminal 100 and / or the management server 110 may be a telephone number of an insurance company, a telephone number of an insurance planner, and the like.

If the insurance agent is changed and the insurance server 120 notifies the customer terminal 100 of the message by using a message, the phone number of the insurance agent included in the message is discriminated, And to update the information related to the insurance.

Considering that the insurance server 120 can correspond to the transmission of the insurance related message to the customer terminal 100, the insurance server 120 receives the insurance related message from the customer terminal 100 , The management server 120 can selectively update the insurance-related information in response to the content of the insurance-related message.

Meanwhile, when an insurance related message is received in the customer terminal 100, the management server 100 can provide predetermined information to the customer terminal 100 in response to the contents of the message. The following will be described with reference to FIGS. 17 to 18 attached hereto.

17 to 18 are diagrams for explaining a method of providing information in response to an insurance related message. In the following, descriptions of the parts described above may be omitted.

The message received from the customer terminal 100 can be analyzed by the customer terminal 100 or analyzed by the management server 110.

Alternatively, the customer terminal 100 may primarily analyze the received message to determine whether the message includes insurance related content. As a result of the determination, if the received message includes insurance-related content, the customer terminal 100 may transmit the message to the management server 110. [ A message containing insurance content may be referred to as an insurance-related message.

Then, the management server 110 can analyze the contents of the message transmitted by the customer terminal 100 in detail.

The management server 110 may transmit predetermined information to the customer terminal 100 in response to the insurance related message received by the customer terminal 100. [

For example, assume that a message including a payment of a predetermined amount (100,000 won) by the card is received at the customer terminal 100 at the AA university hospital as shown in FIG. 17A. .

Since the hospital expenses are related to the insurance related to the medical care, the management server 110 analyzes insurance insured by the customer corresponding to the customer terminal 100 to determine whether there is insurance that can claim the hospital expenses, To the customer terminal 100.

Alternatively, as shown in FIG. 17 (B), assume that a message is received from the BB automobile company including a payment of a predetermined amount (500,000 KRW) by the card to the customer terminal 100.

The management server 110 analyzes the message shown in FIG. 17B (based on the fact that the merchant is an automobile industry company in the card payment history and the payment cost is 500,000 won), the customer costs 500,000 won to repair the automobile You can see what you spend.

In addition, the management server 110 can confirm whether the insurance that the customer joins includes insurance related to the automobile, and can transmit information related to the insurance to the customer terminal 100. For example, as in the case of FIG. 18, the management server 110 may provide the customer terminal 100 with information on the type of car insurance the customer has subscribed to, and information about the designer who is in charge of the car insurance.

Alternatively, it is possible to transmit to the customer terminal 100 information on the contents that can be guaranteed by the automobile insurance that the customer has already subscribed.

On the other hand, when the customer terminal 100 searches for insurance-related contents (Web Searching, etc.), the management server 100 can provide predetermined information to the customer terminal 100 in accordance with the content of the search Do. Referring to FIGS. 19 to 21, the following will be described.

FIGS. 19 to 21 are diagrams for explaining a method of providing information corresponding to search contents. In the following, descriptions of the parts described above may be omitted.

In the present invention, the management server 110 can provide information corresponding to the content searched to the customer terminal 100 based on the insurance-related content that the customer terminal 100 searched on the Web.

As shown in FIG. 19, the customer can perform web search in the customer terminal 100 (S1700). For example, the customer can access the homepage of the automobile insurance company using the customer terminal 100 or search for articles related to the automobile insurance.

Alternatively, as in the case of FIG. 20, the customer can input 'car accident' into the search window of the customer terminal 100 to search for car accident.

In this case, the management server 110 may analyze the web search contents of the customer (S1710).

In addition, the management server 110 may extract insurance related contents from the web search contents of the customer (S1720).

For example, the management server 110 can extract contents of a car accident, an automobile insurance, and the like from the web search contents of the customer.

Thereafter, the management server 110 can provide information related to the automobile insurance to the customer terminal 100.

For example, as in the case of FIG. 21, the management server 110 can provide the customer terminal 100 with information recommending car insurance with high preference in consideration of the age group, sex, and the like of the customer.

Alternatively, if the current customer is in auto insurance, he or she can provide the assurance contents of the auto insurance to the customer terminal 100, information on the expiration date of the auto insurance, information on insurance renewal, 0.0 > 100 < / RTI >

Meanwhile, the management server 110 may analyze insurance information of a customer and provide various information such as notification information, statistical information, recommendation information, etc. to the customer terminal 100. In other words, the insurance-related information may include at least one of notification information, statistical information, and recommendation information. The following will be described with reference to FIGS. 22 to 30 attached hereto.

22 to 31 are diagrams for explaining insurance related information provided to a customer terminal. In the following, descriptions of the parts described above may be omitted.

22, in step S500, the management server 110 provides insurance related information to the customer terminal 100, the management server 110 provides notification information to the customer terminal 100 (S510) Information may be provided (S520), and recommendation information may be provided (S530).

At least one of the notification information, the statistical information, and the recommendation information may be provided (transmitted) to the designer terminal 130 and / or the administrator terminal 140. Hereinafter, it is assumed that the alert information, the statistical information, and the recommendation information are provided to the customer terminal 100 for convenience of explanation.

The insurance-related information provided by the management server 110 to the customer terminal 100 may be classified into analysis information and diagnostic information according to attributes of the information.

Statistical information is an example of analytical information, and recommendation information is an example of diagnostic information.

First, the notification information will be described with reference to FIGS. 23 to 26 attached hereto.

23, the notification information may include at least one of change notification information, abnormal insurance notification information, non-payment notification information, subscription notification information, revocation notification information, duplicate notification information, expiration notification information, and effective notification information.

The change notification information may be information transmitted from the management server 110 to the customer terminal 100 to notify the change of the insurance information when the insurance information is changed.

Change notification information includes information on beneficiary change notification that informs the beneficiary of a change in insurance, change notification information of a designer notifying a change in the insurance planner, change notification information notifying a change in contents of insurance, Insurance period change notification information for notifying the change of the insurance period, and contractor change notification information for notifying the change of the contractor. The content change notification information may include at least one of the guarantee content change notification information for notifying the change of the guarantee content and the contract content change notification information for notifying the change of the contract content.

For example, as in the case of FIG. 24, the management server 110 transmits insurance premium change notification information to notify the customer terminal 100 of the change of the premium when the premium of the customer is updated and the premium is changed It is possible.

The subscription announcement information may be information transmitted from the management server 110 to the customer terminal 100 in order to inform insurance subscription when a customer corresponding to the customer terminal 100 subscribes to at least one new insurance.

The termination notification information may be information transmitted from the management server 110 to the customer terminal 100 to inform the insurance termination if the customer corresponding to the customer terminal 100 has released at least one insurance.

The duplication notification information may be information transmitted from the management server 110 to the customer terminal 100 to notify the duplication of the insurance when the customer corresponding to the customer terminal 100 subscribes to the duplicate insurance.

For example, when a customer joins two actual expenses insurance, the management server 110 can provide information (duplication notification information) indicating that the customer terminal 100 has joined two actual expenses insurance.

In addition, the management server 110 can provide detailed information (kind, insurance premium, guarantee content, termination refund, etc.) of the two actual expenses insurance that the customer subscribes to the customer terminal 100.

The expiration notification information may be information transmitted from the management server 110 to the customer terminal 100 to inform the expiration of at least one insurance.

The non-payment notification information may be information provided by the management server 110 to the customer terminal 100 to inform the information about the payment of the premium.

In order to obtain information on non-payment of premiums, the customer terminal 100 and / or the management server 110 can access the insurance server 120 on the day after the premium payment date to obtain data on whether premiums are paid or not.

The effective notification information can be regarded as information provided by the management server 110 to the customer terminal 100 in order to inform the effect of at least one insurance.

The above-mentioned insurance alert information may be information transmitted from the management server 110 to the customer terminal 100 to inform about the insurance (the above-mentioned insurance) that may be a problem.

The management server 110 can detect the abnormal insurance in consideration of the insurance premium to be paid.

For example, as in the case of FIG. 25, the management server 110 can analyze the premium of the customer for a certain type of insurance (S900).

Thereafter, it is determined whether or not the insurance premium of the insurance of the corresponding type is equal to or greater than a preset first reference amount (S910). If the insurance premium of the insurance of the corresponding type is equal to or greater than the first reference amount, (S920).

Then, the management server 110 may provide information on the insurance of the corresponding type to the customer terminal 100 or the designer terminal 130. Alternatively, it is possible to provide information about this type of insurance to another server (e.g., a server of the Financial Supervisory Service).

Alternatively, it is possible to store information about this type of insurance separately in a database. In such a case, it is possible to provide information on the insurance of this kind to a server of another institution (for example, a server of an investigation agency) when a problem occurs in the future.

For example, when the insurance premium of the life insurance of the customer 'Hong Gil-dong' is excessively high and exceeds the first reference amount, the management server 110 can determine that the insurance is abnormal insurance. Alternatively, the management server 110 can determine the customer 'Hong Gil Dong' as an abnormal customer.

The above description can be applied to a case where a plurality of types of insurance are provided for the customer "Hong Gil Dong" and the sum of insurance premiums of a plurality of insurance exceeds the first reference amount.

For example, suppose the first base amount is 10 million won.

Here, if the customer "Hong Gil Dong" joins 11 different life insurance policies and pays 1 million won for each life insurance, the total life insurance premium of the customer "Hong Gil Dong" is 11 million won, Respectively.

In this case, it is possible that the management server 110 can determine that the customer 'Hong Gil-dong' is an abnormal customer and that the 11 life insurance policies registered by the customer 'Hong Gil Dong' are abnormal insurance.

The same applies to the case where the contractor and the insured are different.

As described above, the management server 110 may be able to provide the notification information to the customer who pays the insurance amount for a predetermined type of insurance more than the preset first reference amount.

On the other hand, when the customer has a plurality of insurance agreements of the same kind, the management server 110 can detect the abnormal insurance in consideration of the insurance premium paid and the period of contracting the insurance.

For example, as in the case of FIG. 26, the management server 110 can analyze the insurance contracts to which the customer subscribes (S1000).

If it is determined that the sum of the premiums of the predetermined types of insurance that the customer has subscribed is equal to or greater than the predetermined second reference amount (S1010) It can be determined whether the contract date of the insurance of the insurance companies is included in the preset reference period (S1020).

As a result of the determination in step S 1020, if the contract date of the insurance of the same type is included within the preset reference period, the insurance can be determined / detected as the abnormal insurance (S920).

Thereafter, information on the detected abnormal insurance can be announced (S930).

For example, suppose that the second base amount is 5 million won and the base period is 1 year.

If customer "Lim Jung Jung" joins 10 different life insurance policies and pays 600,000 won to each life insurance, the total premium of life insurance of customer "Lim Jung Jung" is 6 million won and the second base amount Respectively. In this case, the total sum of the premiums of the life insurers to which the customer "Lim Jung Jung" is subscribed may be lower than the first base amount mentioned above.

In addition, assuming that the customer 'Lim Jung Jeong' intensively joins the ten life insurance policies for six months, the management server 110 can determine that the customer 'Hong Gil Dong' is an ideal customer, and the customer 'Hong Gil Dong' It may be possible to determine that the life insurance of the dogs is more than insurance.

The same applies to the case where the contractor and the insured are different.

As described above, the management server 110 may be able to provide the notification information to the customer who has contracted the insurance amount for the predetermined amount of insurance within the preset reference period or more than the second reference amount.

Statistical information will be described with reference to FIGS. 27 to 28 attached hereto.

In the present invention, the management server 110 can analyze insurance information, obtain statistical information corresponding to insurance information, and provide the obtained statistical information.

As in the case of FIG. 27, the statistical information may include at least one of statistical information by insurance company, statistical information by insurance product, statistical information by insurance planner, statistical information by gender, statistical information by region, and statistical information by age.

Since the management server 110 is connected to the plurality of customer terminals 100, the management server 110 can receive insurance information from a plurality of customer terminals 100 and analyze the received insurance information to obtain various statistical information.

For example, as in the case of FIG. 28, the management server 110 can statistically provide automobile insurance statistical information to the customer terminal 100.

The statistical information in FIG. 28 may be statistical information on the insurance of a car in which a male in his 40s residing in the Gyeonggi area joins, that is, statistical information on the preference of the automobile insurance.

Reference information will be described below with reference to FIGS. 29 to 31 attached hereto.

In the present invention, the management server 110 can analyze the insurance information, obtain recommendation information corresponding to the insurance information, and provide the obtained recommendation information.

29, the recommendation information may include at least one of insurance agent recommendation information, recommendation insurance information, insurance company recommendation information, insurance termination recommendation information, and supplementary payment recommendation information.

The management server 110 may be able to generate recommendation information based on the statistical information.

For example, suppose that, as shown in FIG. 30 (A), a recommendation for savings insurance is given to "Hong Gil-dong", a male customer in his forties who lives in the Gyeonggi area.

In this case, as in the case of FIG. 30B, the management server 110 analyzes the insurance information received from the plurality of customer terminals 100, analyzes the savings insurance registered by the forties male in the Gyeonggi area, Can determine the highest savings insurance.

In addition, the management server 110 can recommend the savings insurance (bb savings insurance of Kyobo Life Insurance), which has the highest preference of men in the Gyeonggi area, to 'Hong Gil Dong' customers.

The recommendation insurance included in the insurance recommendation information may include at least one of a recommendation insurance for each guarantee content, a recommendation insurance for each amount, a recommendation insurance for each rate of return, and a recommendation insurance for each guarantee period.

For example, in the case where the customer terminal 100 requests insurance policy recommendation for the lifetime insurance to the management server 110 and sets the premium insurance premium on the condition of insurance recommendation, the management server 110 sets a plurality of life insurance The user can select the life insurance with the lowest or relatively low premium insurance and provide the selected lifetime insurance to the customer terminal 100 as a recommendation insurance.

Alternatively, the management server 110 may provide the insurance with high preference to the customer terminal 100 as recommendation insurance considering the lifestyle, age, sex, occupation, and residence of the customer. Here, the lifestyle may include hobbies and / or jobs.

Alternatively, when the customer submits the variable insurance, the management server 110 may be able to recommend to the customer terminal 100 that the funds allocated to the variable insurance can be changed according to the profit rate.

Alternatively, when the customer requests cancellation, the management server 110 may recommend the insurance as the termination insurance, in which the damage to the insurance by the customer is relatively small or the loss is the least.

For example, as in the case of FIG. 31, when the customer joins two savings insurance (the first savings insurance and the second savings insurance), the customer requests to cancel one of the two savings insurance Let's assume the case.

In this case, the management server 110 can analyze the first savings insurance and the second savings insurance and select one having a relatively small loss.

For example, in the case of the first savings insurance, the total payment amount is 6 million Yuan, the termination reimbursement amount is 5,500,000 Yuan, the termination reimbursement rate is 91.7%, the second saving insurance amount is 6 million Yuan and the termination reimbursement amount is 5,600 Yuan. 93.4%.

In this case, the management server 110 can provide the recommendation information to the customer terminal 100 that the first savings insurance and the second savings insurance are to be canceled out of the first savings insurance with less loss at the time of termination.

Here, the case where the revocation recommendation information is set on the basis of the revocation reimbursement is described, but the present invention is not limited thereto. For example, the revocation recommendation information may be set in consideration of various items such as a total payment period, a remaining number of payments, a guarantee content, and a total payment.

Alternatively, the recommendation information on the insurance termination may include information informing the management server 110 that the insurance company determines that it is unnecessary for the customer to cancel the insurance. That is, the management server 110 can select the termination insurance by itself and recommend to the customer without requesting the termination of the customer.

Meanwhile, the management server 110 may generate analytical information and / or diagnostic information in another form and provide it to the customer terminal 100. The following will be described with reference to FIGS. 32 to 33 attached hereto.

The statistical information, recommendation information, and notification information described above can be regarded as a kind of analysis information or diagnostic information.

32 to 33 are views for explaining another form of analysis information and diagnostic information. In the following, description of the parts described above may be omitted.

The management server 110 can provide diagnostic information to the customer terminal 100 that has diagnosed the insurance information of the customer through analysis of the insurance information of the customer.

For example, as shown in (A) of FIG. 32, the management server 110 can analyze the insurance information to which the customer subscribes and provide diagnosis information to the customer terminal 100, .

In addition, the management server 110 may be able to provide the recommendation insurance for supplementing insufficient insurance to the customer terminal 100 as recommendation information.

The management server 110 can graphically provide diagnostic information as in the case of FIG. 32 (B).

For example, the management server 110 analyzes the insurance information of the 'Hong Gil Dong' male customer in his 40s in the Gyeonggi area and compares it with the statistical information of the male in his forties area in the Gyeonggi area. Likewise, it is possible to create diagnostic information about 'Hong Gil Dong' customers.

As shown in FIG. 32 (B), the savings insurance of the customer 'Hong Gil Dong' is 98% of the average of the men in their 40s in Gyeonggi area and the protection insurance of the customer 'Hong Gil Dong' is 60% , And the death benefit of the customer 'Hong Gil-dong' can be 30% of the average for 40-year-old men in the Gyeonggi area.

Referring to FIG. 33, the management server 110 analyzes the insurance information registered by the customer, and is able to provide analysis information to the customer terminal 100, which analyzes analysis of the number of pensions that can be received when the insurance contract is maintained .

The analysis information and the diagnostic information described above can be overlapped at a certain level.

Meanwhile, in the present invention, it is possible for the customer to directly select a desired insurance planner from the customer terminal 100. The following will be described with reference to FIGS. 34 to 36 attached hereto.

34 to 36 are diagrams for explaining a method of selecting a charge insurance agent. In the following, description of the parts described above may be omitted.

Referring to FIG. 34, the customer terminal 100 may transmit an insurance agent setting request to the management server 110 (S1100). If an insurance agent is already designated, it may be possible to transmit a change request of the insurance agent in the customer terminal 100 to the management server 110.

Then, the management server 110 may analyze the customer's request and / or customer information (S1110).

In the customer terminal 100, it is possible to transmit the condition information (requirement for the insurance planner) corresponding to the insurance planner to the management server 110 at the time of setting of the insurance planner.

Then, the management server 110 can analyze the customer's request, customer information, and / or customer's condition information.

Here, the condition information for the insurance planner may include information on conditions for at least one of the region, sex, and age range.

For example, as in the case of (A) of FIG. 35, the customer can set the condition of a desired designer.

Or, it may be possible to set the customer's desired condition information, such as 'a designer in his 40's who is award-winning for more than 10 years and who lives in Suwon, Kyonggi-do'.

Thereafter, the management server 110 may provide the customer terminal 100 with information on at least one insurance planner selectable for at least one insurance (S1120). Then, information on at least one selectable insurance agent can be displayed on the screen of the customer terminal 100. [

For example, as in the case of FIG. 35 (B), it is possible to display information on at least one selectable insurance designer corresponding to the customer's requirement on the screen of the customer terminal 100.

Here, the information on the insurance agent includes at least one of information about the insurance agent's area (residence area or activity area), information about the age of the insurance agent, information about the gender of the insurance agent, .

Alternatively, the information about the insurance agent may include at least one of the information about the insurance agent's credentials, such as the qualifications held by the designer, the career history of the designer, and the awards of the designer.

The customer can select any one of the selectable at least one insurance planner information displayed on the customer terminal 100 (S1130).

Then, the insurance planner corresponding to the selected information can be designated as the responsible insurance planner of the user corresponding to the customer terminal 100 (S1140).

For example, if a customer chooses 'Kim Tae-hee', it is possible to designate 'Kim Tae-hee' as a customer insurance planner.

The insurer can be assigned to each insurer, or it may be possible to designate an insurer for each insurer.

The management server 110 may be able to provide information about the preference of the insurance planner when providing information on at least one selectable insurance planner to the customer terminal 100. [

In such cases, the customer may obtain sufficient data to select an insurance planner.

An example of the preference of an insurance agent is shown in FIG. The preference of the insurance agent posted in FIG. 36 can be an average value of the preferences inputted by a plurality of customers, and it may be possible to correspond to the number of customers of the insurance agent.

On the other hand, the customer may be able to set condition information.

In this case, the management server 110 analyzes the customer's information (customer information), sets at least one designer of similar age (similar to the customer), similar area (residence area, activity area) It may be possible to provide information on one designer to the customer terminal 100.

On the other hand, it is possible to give the insurance agent the right to access information of the customer in charge or insurance information of the customer in charge. 37 to 39, the following will be described.

37 to 39 are diagrams for explaining a method of granting the information reading right to the insurance agent in charge. In the following, the description of the parts described above may be omitted.

Referring to FIG. 37, the management server 110 can confirm the design engineer of the customer (S1200).

In the customer terminal 100, the kind of information to be allowed to be read may be set to the designer in charge (S1210).

Thereafter, the management server 110 may allow the designer in charge to view predetermined information (S1220). That is, the customer's insurance agent can be authorized to view at least a part of the customer's information.

For example, as in the case of FIG. 38, in the customer terminal 100, information on the customer's personal information and the insurance company's insurance information is disclosed to the designer (type A) (Type B) can be selected.

When the user A selects the type A in the customer terminal 100, the user corresponding to the customer terminal 100, that is, the designer in charge of the customer, uses his / her designer terminal 130 to obtain information on the customer's personal information Can be browsed.

On the other hand, when the type B is selected in the customer terminal 100, the customer's designer can use his designer's terminal 130 to browse information about all the insurance the customer has subscribed to.

For example, as in the case of FIG. 39, the customer "Hong Gil Dong" subscribes aa savings insurance, bb life insurance and cc pension insurance to Samsung Life Insurance, and the designer responsible for Samsung Life Insurance is Kim Tae-hee, aaa savings insurance, bbb life insurance, and ccc pension insurance, Kyobo life insurance company is 'Song Hye-kyo', AIG Life Insurance has aaaa savings insurance, bbbb life insurance and cccc pension insurance, Let's assume that the designer in charge is 'Jeon Hyun'.

In this case, when selecting the type B in the customer terminal 100, the designer 'Kim Tae-hee' not only includes aa savings insurance, bb life insurance, cc pension insurance of Samsung Life Insurance, aaa savings insurance, bbb You can view at least some of the information about life insurance, ccc pension insurance, aaaa savings insurance, bbbb life insurance, cccc pension insurance.

As such, the insurer can view at least some of the customer's insurance-related information about the insurance corresponding to the insurer (our company) and the insurance corresponding to the other insurer (other company).

In other words, if the customer's insurance planner belongs to the first insurance company, the insurance planner will have the insurance corresponding to the first insurance company and the information about the customer's insurance for the insurance corresponding to the other insurance company At least part of it can be browsed.

Thereafter, the preferences of the designing agents in charge can be evaluated (S1230).

For example, the preferences of the designing agents in charge can be set corresponding to the number of customers who have granted the information reading right. In other words, the greater the number of customers who can view information, the higher the preference of insurance planners.

Alternatively, the preference of the insurance planner may be determined by the type of information the insurance planner can view.

For example, as in the case of FIG. 38, when a type A is selected in the customer terminal 100, a preference degree is given to the designer in charge and a preference degree is given to the designer in charge if the type B is selected.

The preferences of the designer can be finally calculated by summing the preferences set by the respective customers.

Meanwhile, in the present invention, it is possible to charge a customer using a service according to the present invention or to charge an insurance agent.

In the case of charging an insurance planner, it is possible to charge the insurance planner differentially according to the number of customers who have been granted the right to view the information.

In the present invention, an insurance agent can be easily called. 40 to 43, the following will be described.

40 to 43 are diagrams for explaining a method of calling an insurance agent. In the following, description of the parts described above may be omitted.

In the present invention, when information on an event (insurance event) for a predetermined insurance is inputted from the customer terminal 100, it is possible to call the terminal of the insurance agent designated in the insurance.

40, the customer can input information about a predetermined event in the customer terminal 100 (S1300).

For example, the customer can input information about an event into an input window of a messenger such as a cartoons, a line, and an Instagram displayed on the screen of the customer terminal 100. [

Here, the information on the event may include a help request. That is, the customer may be able to request help by inputting information on a predetermined event to the customer terminal 100. [

The information about the event may be information about an event for which the claim can be claimed.

Information on the event input to the customer terminal 100 may be transmitted to the management server 110 (S1310).

Then, the management server 110 can analyze the information about the event transmitted from the customer terminal 100 (S1320).

Thereafter, the management server 110 can confirm the insurance planner corresponding to the event information transmitted from the customer terminal 100 (S1330).

Thereafter, the management server 110 can call the confirmed design engineer (S1340).

For example, as in the case of FIG. 41 (A), the customer can input an event 'having a car accident, please help' in a predetermined messenger input window in the customer terminal 100.

Then, the management server 110 can check the event information inputted by the customer into the messenger and understand that the customer needs the assistance of the designer of the current automobile insurance.

In addition, the management server 110 confirms the information on the designer of the car insurance of the customer and informs the designer of the car (the designer terminal 130 of the designer in charge) that the customer needs help. In other words, you can call the customer's car insurance planner.

Then the car insurance planner can contact the customer through the messenger.

Alternatively, as in the case of FIG. 41 (B), the management server 110 can input, to the messenger, the contact information of the designer in charge of the customer's automobile insurance.

In this case, the customer will be able to easily contact the responsible designer even in situations where the customer does not know the agent's contact information or in emergency situations.

Here, the case where the customer inputs event information (for example, a car accident) using a messenger is described, but the present invention is not limited thereto.

In the present invention, the information on the insurance event may include image information on the insurance event. For example, as in the case of FIG. 42, the 'Hong Kil-dong' customer can take a picture (image) of his / her car accident and transmit it to the management server 110. Alternatively, it is possible to enter a picture of a car accident in the messenger.

In such a case, the management server 110 may analyze the image (photograph or the like) transmitted by the customer, recognize that the customer is currently experiencing an automobile accident, and may be able to call the designer of the automobile insurance to which the customer belongs.

In this way, when the customer terminal 100 requests help for a predetermined insurance, the management server 110 can request assistance from the insurance agent's terminal, that is, the designer terminal 130, specified in the insurance.

In other words, when the customer inputs event information about the insurance into the customer terminal 100, the app can automatically call / connect the insurance agent.

Alternatively, a hot key for calling a responsible designer on the screen of the customer terminal 100 may be displayed, and the customer may be able to call the insurance planner by one-touch using a hot key.

For example, as in the case of FIG. 43, in the case of classifying the insurance-related information by insurance companies, a hot key corresponding to the designer of the respective insurance companies can be set.

In such a case, the customer may be able to call the designer by simply selecting the hot key displayed on the screen of the customer terminal 100, even in a situation where the contact of the designer is not known.

In the case of FIG. 43, it can be applied when a designer in charge is designated for each insurer.

It is possible that a hotkey may be set for each individual insurance if the contractor is different for each individual insurance.

On the other hand, in the present invention, the management server 110 analyzes the entered consultation contents and requests consultation with at least one specialist when the consultation contents are input to the customer terminal 100 It can be possible. Referring to FIGS. 44 to 48, the following will be described.

44 to 48 are diagrams for explaining an insurance-related consultation method. In the following, description of the parts described above may be omitted.

Referring to FIG. 44, the customer terminal 100 can input the consultation contents (S1400). Here, the contents of consultation may include consultation contents related to insurance.

Then, the consultation content input to the customer terminal 100 is transmitted to the management server 110 (S1480), and the management server 110 can analyze the consultation content (S1490).

Thereafter, the management server 110 can select at least one expert based on the analysis result of the consultation contents (S1491).

Here, the specialist can correspond to the insurance planner as an insurance specialist.

For example, as in the case of FIG. 45, it is assumed that a customer inputs consulting contents related to insurance to the customer terminal 100. FIG.

Here, the consultation contents can be inputted to the input window of the preset messenger. Examples of messengers that can be used include a karaoke, a line, and an Instagram.

The management server 110 can analyze the consultation contents as shown in FIG. 45 to understand that the customer is requesting counseling about the actual expenses insurance.

Thereafter, the management server 110 selects at least one designer corresponding to the actual expenses insurance, and can transmit the consultation contents to the terminal of the selected designer, that is, the designer terminal 130 (S1410).

46, the management server 110 transmits the consultation contents of the customer to the first designer terminal 131, the second designer terminal 132, the third designer terminal 133, the fourth designer terminal 133, (Transmission) to the fourth designer terminal 134 and the fifth designer terminal 135.

The management server 110 can edit or process the consultation contents transmitted by the client terminal 100 and transmit the edited or processed consultation contents to the designer terminals 131-135. Of course, the management server 110 may be able to transmit the consultation contents transmitted by the client terminal 100 directly to the designer terminals 131-135.

Alternatively, the management server 110 can select one expert in accordance with the consultation content entered by the customer.

For example, when the first question is input to the messenger input window in the customer terminal 100, the management server 110 may connect the first expert corresponding to the first question to the customer terminal 100. Alternatively, when the user terminal 100 inputs a second question different from the first question to the messenger input window, the management server 110 may connect the second expert corresponding to the second question to the customer terminal 100 It can be possible.

Each designer terminal 131-135 having received the consultation contents can analyze the consultation contents of the customer (S1420). In other words, customer's consultation contents can be analyzed from the standpoint of experts.

Then, each designer terminal 131-135 creates a reply to the consultation contents (S1430), and transmits the prepared answer to the management server 110 (S1440).

At step S1460, the management server 110 edits or processes the answer content received from at least one designer terminal 130 (S1450), and provides the processed answer content to the customer terminal 100 (S1460).

The management server 110 may be able to transmit the contents of the reply received from at least one designer terminal 130 directly to the customer terminal 100. [

The management server 110 can transmit all the answer contents received from at least one designer terminal 130 to the customer terminal 100.

Alternatively, the management server 110 may select the answer content received from at least one designer terminal 130 and transmit the selected answer content to the customer terminal 100 without processing or processing. That is, the management server 110 can selectively transmit the answer contents to the customer terminal 100.

In the customer terminal 100, the answer contents corresponding to at least one designer terminal 130 may be displayed on the screen so that the customer can confirm the answer contents. For example, as in the case of FIG. 47, the answer contents corresponding to at least the first, second and third designer terminals 131, 132 and 133 can be displayed on the screen of the customer terminal 100.

Alternatively, the management server 110 may transmit the contents of the reply to the customer terminal 100 according to the order in which the contents of the reply are transmitted.

For example, the contents of answers may be transmitted to the management server 110 in the order of the third, second, fourth, fifth, and fifth designer terminals 133, 132, 134, 131 and 135 among the first to fifth designer terminals 131-135. As shown in FIG.

In this case, the management server 110 preferentially transmits the answer content corresponding to the third designator terminal 133 to the customer terminal 100, so that the customer first transmits the answer content corresponding to the third designator terminal 133 Can be confirmed.

In addition, the management server 110 may be able to transmit information on the expert corresponding to the selected answer content, that is, information on the designer, to the customer terminal 100.

For example, the management server 110 may be able to transmit information on at least one of the name, gender, specialty, insurer, and activity area of the designer corresponding to the answer to the customer terminal 100.

In this manner, the management server 110 transmits the contents of the consultation transmitted by the customer terminal 100 to the expert terminal (designer terminal 130) corresponding to at least one insurance related expert set in advance, and transmits at least one expert It is possible to transmit the answer to the consultation received from the terminal to the customer terminal 100.

In order to implement the consulting function, the management server 110 may set at least one expert, that is, an insurance planner, in advance, and store information about the specialist.

For example, as in the case of FIG. 48, setting the A designer for the dental insurance, setting the B designer for the car insurance, setting the C designer for the foreign car accident, and setting the D designer for the actual expenses insurance It is possible to do.

In this case, in the case where the customer terminal 100 inputs the consultation contents for the actual cost insurance as in the case of FIG. 45, the management server 110 can transmit the consultation contents of the customer to the terminal corresponding to the designer D .

In the example of FIG. 48, one expert (insurance agent) is set for one specialty field, but the present invention is not limited thereto. For example, it may be possible to set up a plurality of experts for at least one specialty.

The customer terminal 100 may evaluate the content of the reply after receiving the content of the reply (S1470).

For example, the customer terminal 100 can evaluate the satisfaction with the content of the reply. In addition, the evaluation information input by the customer terminal 100 may be transmitted to the management server 110.

Then, the management server 110 can give an evaluation score to an expert (designer).

The evaluation scores given to the experts can be used in various ways. For example, an evaluation score assigned to an expert can be delivered to a personnel management company and used for an expert's scout.

In addition, high-satisfaction answers and corresponding counseling contents can be stored in the library or posted on the bulletin board so that they can be made available to other customers.

On the other hand, a manager who manages at least one insurance agent can also monitor the activity of at least one agent using an app according to the present invention. 49 to 50, the following will be described.

49 to 50 are diagrams for explaining a method of monitoring the activity of a designer terminal.

Hereinafter, the manager may be an administrator monitoring at least one insurance agent.

In addition, the terminal corresponding to the administrator may be referred to as the administrator terminal 140. For example, the administrator terminal 140 may be a terminal used by the manager of the insurance agency.

49, the management server 110 analyzes the information reading right of the designer terminal 130 (S1500) and obtains the connection information for the link between the designer terminal 130 and the customer (S1510 ). Here, the connection information may include information on a viewing right of insurance-related information of the customer of the designer terminal 130.

For example, if the designer terminal 130 is authorized to view at least a part of the insurance-related information of the first customer, the designer terminal 130 may be said to be connected to the first customer.

The connection information can be regarded as part of the monitoring information for monitoring the connection information between the designer terminal 130 and the customer.

Thereafter, the management server 110 may provide (transmit) the connection information to the administrator terminal 140 (S1520).

Then, the administrator terminal 140 can monitor the activity of the insurance planner corresponding to the designer terminal 130 using the connection information of the designer terminal 130 (S1530).

For example, if the number of customers who can browse at least a part of the insurance information in the designer terminal 130 is 10, it means that the number of customers of the insurance agent corresponding to the designer terminal 130 is 10.

If the number of customers who can view the information from the designer terminal 130 has increased from 10 to 15 during the past week, the manager terminal 140 determines that the insurance agent corresponding to the designer terminal 130 is the last 1 It is possible to identify five additional customers during the week.

In this way, the administrator terminal 140 can indirectly monitor the activity of the designer.

The connection information between the designer terminal 130 and the customer may include information on the type of information that the designer terminal can view among the customer information.

Meanwhile, the management server 110 may monitor the communication and message transmission / reception between the designer terminal 130 and the customer terminal 100 and provide the information to the administrator terminal 140.

Then, the manager terminal 140 can monitor the activity of the designer using the information about the call and message transmission / reception between the designer terminal 130 and the customer terminal 100. [

For example, as shown in FIG. 50, the screen of the administrator terminal 140 displays information on the number of customers 30 who have given the information design right to a predetermined designer terminal 100, Information on the number of the customer terminals 100 may be displayed.

In this case, the manager can monitor the activities of the designers by only checking the monitoring information displayed on the screen of the administrator terminal 140, and the management efficiency can be improved.

The monitoring information may also include information on the type of information that the designer terminal 100 can view.

For example, as shown in FIG. 50, the connection information among the monitoring information includes information about the number of customers 10 who have given a predetermined designer terminal 100 the right to view information on the insurance-related information related to the company, 100) may include information on the number (20) of customers who are authorized to view information on all insurance-related information of the company and other companies.

On the other hand, in the present invention, it is possible to disclose information such that the insurance-related information of the customer can be confirmed by members who share information related to the customer, for example, family members. 51 to 56, the following will be described.

51 to 56 are diagrams for explaining a method for disclosing insurance-related information to an information-sharing member. In the following, description of the parts described above may be omitted.

Referring to FIG. 51, the insurance information processing apparatus 10 according to the present invention may further include a terminal of an information sharing member, that is, a member terminal 150.

The member terminal 150 may be provided with an app according to the present invention. Alternatively, the application according to the present invention may not be installed in the member terminal 150.

Referring to FIG. 52, the customer terminal 100 can set an information sharing member (S1600).

For example, as in the case of FIG. 53, 'Hong Kil-dong' customer is an information sharing member who will share at least part of his / her insurance-related information. Members 1 (Park, (Hong xx, daughter) can be set.

Thereafter, the user terminal 100 may set the rectification of information to be disclosed to the information-sharing members (S1610).

For example, as in the case of FIG. 54, the customer "Hong Gil Dong" can set the customer name (contractor name), the insurance name, the insurance guarantee content, the insurance settlement information, and the beneficiary information as information to be disclosed to the information sharing member .

In this case, the member 1 (Park Ji-sun), the member 2 (Hong xx, son) and the member 3 (Hong xx, daughter) It is possible to browse among the guarantee contents, insurance definition information and beneficiary information.

To this end, it may be desirable to install an insurance app according to the present invention in a member terminal 150 of member 1 (Park, Ji), member 2 (Hong xx, son) and member 3 (Hong xx, daughter).

If the insurance application according to the present invention is not installed in the member terminal 150 of the member 1 (Park Ji Sun), the member 2 (Hong xx, son) and the member 3 (Hong xx, daughter) ) May be able to provide insurance related information set by the customer in the form of a messenger, a text message, an e-mail, or the like.

Here, the family member is described as an information sharing member by way of example, but the present invention is not limited thereto. For example, in the present invention, the information-sharing member may include at least one of the beneficiary of the insurance, the insured person, the statutory heir and the family member.

When the customer terminal 100 sets the public information, the set public information can be transmitted to the management server 110.

Then, the management server 110 may transmit information sharing notification information informing the member terminal 150 about information sharing (S1620).

Then, as in the case of FIG. 55, a message informing information sharing may be displayed on the screen of the member terminal 150.

The management server 110 determines whether or not to confirm the information sharing in the member terminal 150 in step S1630. If not, in step S1680, the management server 110 may perform another preset function. For example, information indicating that the user of the member terminal 150 is unsuitable as an information sharing member can be transmitted to the customer terminal 100.

On the other hand, if it is determined in step S1630 that the member terminal 150 confirms information sharing, the management server 110 may approve the information sharing member registration (S1640).

For example, in the case of FIG. 55, when the user of the member terminal 150 selects the Yes menu, the management server 110 can approve the information sharing member registration. On the other hand, in the case of FIG. 55, if the user of the member terminal 150 selects the No menu, the information sharing member registration can be canceled.

Thereafter, the authorized information sharing member can be given the authority to view at least a part of the insurance-related information of the customer (S1650).

As such, the sharing of insurance-related information can be set up after the cross check between the customer and the information-sharing member.

It is also possible that an approved and shared information sharing member is canceled. For example, it may be possible to exclude member 1 (Park, Sun-sun) of the information sharing member set in the customer terminal 100 from the information sharing member.

When the responsible insurance agent is designated to the information sharing member, the management server 110 may be able to disclose at least a part of the insurance related information disclosed to the information sharing member to the insurance agent in charge of the information sharing member.

If the insurance contractor and the insured are different, the contractor becomes the customer and it is possible for the insured person to be automatically set as the information sharing member.

In other words, when the insured person and the contractor for a given first insurance are different, it is possible for the management server 110 to disclose at least a part of the information about the first insurance to the insured.

For example, if a parent has insured a child, the parent may be a contractor, and the child may be an insured. In such cases, you may disclose information about your child's insurance to parents and children.

In FIG. 52, it can be determined whether or not insurance money for the insurance that the customer has joined after the setting of the information sharing member is generated (S1660).

As a result of the determination, when the insurance money is generated, the information about the insurance money occurrence may be transmitted to the member terminal 150 of the at least one information sharing member and informed (S1670).

For example, as in the case of FIG. 56, it is possible to inform the member terminal 150 of the member 1 (Park, Ji-sun) who is an information-sharing member of the customer "Hong Gil-dong" that the death benefit occurred due to the death of the customer " have.

In this case, even if an emergency occurs to the customer, the occurrence of the insurance money can be easily confirmed.

To this end, information (e-mail address, telephone number, etc.) about the information sharing member may be preferably stored in the management server 110 in advance.

As described above, it is to be understood that the technical structure of the present invention can be embodied in other specific forms without departing from the spirit and essential characteristics of the present invention.

It should be understood, therefore, that the embodiments described above are to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than the foregoing description, And all changes or modifications derived from equivalents thereof should be construed as being included within the scope of the present invention.

Claims (17)

Transmitting customer information from a customer terminal to a management server;
The management server accessing at least one insurance server and extracting insurance information corresponding to the customer information;
Storing the extracted insurance information in the management server; And
Providing the insurance-related information corresponding to the insurance information to the customer terminal;
And the insurance information processing method. The method according to claim 1,
Wherein the insurance-related information includes the same portion as the insurance information or includes a portion processed from the insurance information. The method according to claim 1,
Wherein the customer information includes at least one of authentication information and stock information. The method according to claim 1,
The insurance-related information
The method comprising at least one of insurance type information, expiration information, termination refund information, responsible insurance agent information, insurance company information, contract information, contractor information, insured information, beneficiary information, court heir information, insurance payment information and premium payment date information. The method according to claim 1,
Wherein the management server classifies the insurance information by an insurance company or classifies the insurance information by insurance type. The method according to claim 1,
Wherein the management server provides the change alarm information to the customer terminal to inform the change when the insurance information is changed. The method according to claim 6,
The change alarm information includes at least one of beneficiary change alarm information for notifying the change of the beneficiary to the insurance, effective alarm information for notifying the effectiveness of the insurance, designer change alarm information for notifying the change of the insurance agent in charge, An insurance change alarm information for informing a change of insurance premium, an insurance period change alarm information for notifying a change of insurance period, and a contractor change alarm information for informing a change of a contractor. The method according to claim 1,
Wherein the management server provides notification information for a customer who pays the insurance premium not less than the first reference amount for the predetermined insurance. The method according to claim 1,
Wherein the management server provides notification information about a customer who has contracted the insurance amount to a second reference amount or more within a reference period for the predetermined insurance. The method according to claim 1,
Wherein the management server provides subscription alarm information for notifying insurance subscription to the customer terminal when the customer corresponding to the customer terminal subscribes to at least one new insurance. The method according to claim 1,
Wherein the management server provides revocation alarm information to the customer terminal to notify the insurance termination when the customer corresponding to the customer terminal has canceled at least one insurance. The method according to claim 1,
Wherein the management server provides the duplicate alarm information to the customer terminal, the duplicate alarm information indicating that the insurance is duplicated when the customer corresponding to the customer terminal subscribes to the duplicate insurance. The method according to claim 1,
Wherein the management server provides expiration alarm information for notifying at least one insurance expiration to the customer terminal. The method according to claim 1,
Wherein the management server accesses the insurance server according to a preset cycle to extract the insurance information. The method according to claim 1,
And the management server provides information on non-payment of premiums to the customer terminal. The method according to claim 1,
Wherein the management server further includes the step of providing information corresponding to the content retrieved to the customer terminal based on insurance related contents retrieved on the web by the customer terminal. A customer terminal for transmitting customer information;
A management server for receiving the customer information from the customer terminal; And
An insurance server for storing insurance information corresponding to the customer information;
Lt; / RTI >
Wherein the management server accesses at least one insurance server to extract insurance information corresponding to the customer information, stores the extracted insurance information, and provides insurance related information corresponding to the extracted insurance information to the customer terminal Information processing device.

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