KR20180023866A - Apparatus and method for providing insurance fee cashback - Google Patents

Abstract

The present invention relates to an insurance cashback providing apparatus and a method thereof. The insurance cashback providing apparatus comprises: a cashback group management part managing a cashback group; a cashback saving part saving at least a part of an insurance fee of an insurance contractor included in the cashback group to a cashback pool; and a cashback providing part calculating a refund amount of the cashback pool at a preset point of time based on insurance payment details of the cashback pool and providing the refund amount to the insurance contractor in the cashback group.

Description

[0001] APPARATUS AND METHOD FOR PROVIDING INSURANCE FEE CASHBACK [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and method for providing a premium cashback, and more particularly, to an apparatus and method for providing a premium cashback in which a portion of premiums of a policyholder can be refunded.

In general, insurance is designed to prepare for future unpredictable disasters or accidents, and a certain amount of money will be paid for insurance premiums. These types of insurance can be divided into various categories according to the scope and scope to be guaranteed, such as automobile insurance, driver insurance, fire insurance, breakage insurance, theft insurance, life insurance, education insurance, death insurance, , Accidental medical insurance, sickness insurance, accident insurance, travel insurance, child insurance, and fetal insurance.

This insurance can only provide benefits to policyholders who do not accrue the benefit of paying premiums at a somewhat lower rate than other policyholders who have accidents. As such, the policyholder who does not accrue will continue to pay a certain amount of premiums and will not receive any additional benefits from paying contributions, other than the benefit of paying a modestly lower premium compared to the policyholder in which the accident occurred.

In addition, insurance contractors who do not incur accidents are subject to the uniform rate of insurance increase based on the insurance company's loss ratio, so that premiums may be continuously increased even for accidents not related to themselves.

Thus, there has been a need to provide a scheme for providing a predetermined benefit to premiums paid to an insurance contractor who does not accidents.

On the other hand, the background art described above is technical information acquired by the inventor for the derivation of the present invention or obtained in the derivation process of the present invention, and can not necessarily be a known technology disclosed to the general public before the application of the present invention .

An embodiment of the present invention is intended to provide an insurance money back providing apparatus and method that can provide a policy contractor with a predetermined benefit based on payment of a premium.

An embodiment of the present invention is intended to provide an apparatus and method for providing a premium cash back service that can provide a portion of premiums paid by an insurance contractor in the form of a cash back.

An embodiment of the present invention is intended to provide an apparatus and method for providing a premium cashback that can alleviate the burden of insurance premiums for a low accident rate policy holder.

According to an embodiment of the present invention, there is provided an insurance premium cashback providing apparatus including a cashback group management unit for managing a cashback group, at least a portion of premiums of an insurance contractor included in the cashback group, And a cashback providing unit for calculating a refund amount of the cashback pool at a preset time based on the premium payment details of the accumulated cashback pool and providing the refund amount to the policy contractor in the cashback group .

According to another embodiment, a method of providing a premium cashback to a premium cashback providing apparatus includes the steps of creating a cashback group, accumulating at least a portion of premiums of the policyholders included in the cashback group in a cashback pool, Calculating a refund amount of the cashback pool at a preset time based on the premium payment history of the cashback group, and providing the refund amount to the policy contractor in the cashback group.

According to yet another embodiment, there is provided a computer readable recording medium having recorded thereon a program for performing a method for providing a premium cashback, the method comprising the steps of: creating a cache-back group; storing at least a portion of insurance premiums of the policy- Calculating a refund amount of the cashback pool at a preset time based on the premium payment amount of the accumulated cashback pool, and providing the refund amount to the policy contractor in the cashback group have.

According to another embodiment, there is provided a computer program stored in a recording medium, which is executed by an insurance premium cashback providing apparatus and for performing a premium cashback providing method, the computer program comprising the steps of: generating a cashback group; Calculating a refund amount of the cashback pool at a preset time based on the accumulated premium payment amount of the accumulated cashback pool, and calculating the refund amount of the cashback pool to the insurance contractor in the cashback group .

According to any one of the above-mentioned objects of the present invention, an embodiment of the present invention can provide an apparatus and a method for providing a premium for a premium to be paid to an insurance contractor.

In addition, according to any one of the tasks of the present invention, an apparatus and method for providing a premium cashback can provide a portion of the premiums paid by an insurance contractor in the form of a cash back.

Further, according to any one of the tasks of the present invention, an apparatus and method for providing a premium cashbag that can reduce the burden on the insurance premium to an insurance contractor with a low accident rate can be presented.

The effects obtained in the disclosed embodiments are not limited to the effects mentioned above, and other effects not mentioned are obvious to those skilled in the art to which the embodiments disclosed from the following description belong It can be understood.

1 is a block diagram illustrating a system for providing a premium cashback according to an embodiment of the present invention.
2 is a block diagram illustrating a premium cashback providing apparatus according to an embodiment.
3 is a view for explaining a premium cashback according to an embodiment.
4 is a flowchart illustrating a method of providing a premium cashback according to an embodiment.
5 is a flowchart illustrating a method of generating a cache-back group according to an embodiment of the present invention.
FIG. 6 is a flowchart illustrating a transition from a public group to a private group according to an exemplary embodiment.
FIG. 7 is a view for explaining a cache-back group of a public group and a private group according to an embodiment.
8 is a view for explaining insurance premiums of insurance policyholders accumulated in a cashback pool according to an embodiment.
9 is a diagram for explaining a guarantee pool for a plurality of cache-back groups according to an embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Before describing this, we first define the meaning of the terms used below.

In the following, the term 'insurance' includes automobile insurance, driver insurance, fire insurance, breakage insurance, theft insurance, life insurance, education insurance, death insurance, pension insurance, variable insurance, (Including disasters, disasters, illnesses) such as child insurance, child insurance, and fetal insurance are eligible for relief within the coverage of the insurance based on the premiums paid in advance.

"Self-pay" refers to the amount that the policyholder pays a portion of the loss to the policyholder, not the insurance company, in the event of an accident. For example, in the case of auto insurance, the deductible is the amount charged to the policyholder by a certain percentage of the vehicle loss.

The 'cashback group' is a group that includes multiple insurance contractors. A cache-back group may be created based on a variety of conditions such as pre-set conditions, age, area, accident rate, etc., or by reference to invited or recommended policyholders. The cashback group can be divided into public and non-public groups depending on whether the policy contractor can join or not. Therefore, a private group can be subscribed by an insurance contractor in a private group by invitation or recommendation of another policy contractor, and can be composed of desired members by consultation among policy contractors in a private group.

The 'cashback pool' corresponds to a cashback group and means a method of managing a predetermined amount of money accumulated in payment of a premium from an insurance contractor in a cashback group, or may be data for managing a predetermined amount of money accumulated. Cashback pools can be used to fund premiums from insured members of the cashback group and to fund a portion of the 'self-pay' to cover the accident of the policyholder in the cashback group. In addition, after a certain period of time has elapsed, the refund amount can be calculated based on the remaining amount accumulated in the cashback pool. As such, the refund amount calculated in the cache-back pool can be provided in the form of a cash-back from the cache-back pool to the policy-holder of the corresponding cache-back group.

1 is a block diagram illustrating a system for providing a premium cashback according to an embodiment of the present invention.

1, the insurance premium cashback providing system may include a premium cashback providing device 10, a user terminal 21, 22, 23, and an insurance company server 31, 32, 33.

The insurance money back providing apparatus 10 can be connected to the user terminals 21, 22 and 23 via the network N1. For example, a user using the user terminal 21, 22, 23 may include an insurance contractor, an insurance planner, and an insurance company employee, and may include an administrator who manages or operates the insurance cashback offerer 10 have.

Such user terminals 21, 22, 23 may be implemented on an electronic terminal including an interface that enables interaction with a user.

Here, the electronic terminal may be a computer, a portable terminal, a television, a wearable device, a non-contact type control device, or the like, which can be connected to a remote server via a network N1 or N2, Lt; / RTI > Here, the computer includes, for example, a notebook computer, a desktop computer, a laptop computer, and the like, each of which is equipped with a web browser (WEB Browser), and the portable terminal may be a wireless communication device , Personal Communication System (PCS), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Global System for Mobile communications (GSM), International Mobile Telecommunication (IMT) (W-CDMA), Wibro (Wireless Broadband Internet), Smart Phone, Mobile WiMAX (Mobile Worldwide Interoperability for Microwave Access) (Handheld) based wireless communication device. In addition, the television may include an Internet Protocol Television (IPTV), an Internet television (TV), a terrestrial TV, a cable TV, and the like. Further, the wearable device is an information processing device of a type that can be directly worn on a human body, for example, a watch, a glasses, an accessory, a garment, shoes, and the like. The wearable device can be connected to a remote server via a network, Lt; / RTI >

The insurance money back providing apparatus 10 may be connected to the insurance company server 31, 32, 33 via the network N2. On the other hand, the insurance money back providing apparatus 10 may be connected to the insurance company servers 31, 32, 33 and the insurance contractors by using a dedicated line to protect personal information related to insurance contracts and to enhance security.

The insurance company servers 31, 32, and 33 may be servers of an insurer providing services for various insurance products. The insurance company server (31, 32, 33) is a server that manages information for providing the insurance service to the insurance contractor who paid the insurance premium. In addition, the insurance company servers 31, 32, and 33 can receive the insurance premiums from the policy contractors, and may additionally receive insurance premiums from the cashback pools due to the accident of the policy contractor.

Although not shown in FIG. 1, the insurance company servers 31, 32, and 33 may be directly connected to the terminals 21, 22, and 23 via the networks N1 and N2.

The insurance premium cashback provisioning device 10, after accruing a portion of the amount of the insurance from the policyholders, is then able to self-process the costs for the accident handling (for example, (Such as car repair shops in case of automobile insurance), insurance companies, etc.) or pay the policyholders who accrued in order to preserve some of their deductibles. To this end, the premium cashback offering device 10 may create a cashback group including at least one policy contractor, and may accumulate at least some of the insurance contractors' premiums in the cashback group in a cashback pool corresponding to the cacheback group.

Thereafter, when the cashback providing apparatus 10 becomes the point of time at which the accumulated premium is refunded, the cashback providing apparatus 10 can provide the refunded amount calculated based on the accumulated remaining premium to the policy contractor. At this time, the insurance money back providing apparatus 10 can calculate the refund amount from the insurance premium accumulated in the cash back pool and provide the cash back to the policy contractor in the cash back group.

Therefore, the insurance money back providing apparatus 10 can provide the policy contractor with the benefit of refunding the amount of the predetermined fee at the time of non-payment according to payment of the insurance premium. Therefore, the insurance money back providing apparatus 10 can reduce the insurance premium of the accident-free policy contractor. In addition, the insurance money back providing apparatus 10 can refund more insurance premiums to the insurance contractor as the accident rate by the policy contractor in the same cash back group in which a portion of the premium is accumulated is lower.

2 is a block diagram illustrating a premium cashback providing apparatus according to an embodiment

2, the insurance money back providing apparatus 10 may include a cash back group managing unit 110, a cash back accumulating unit 120, a cash back providing unit 130, and an insurance payment unit 140.

The cache-back group management unit 110 may create a cache-back group to include at least one insurance contractor. Here, the cache-back group may correspond to one cache-back pool for premium cash-back. The cashback group can collect a portion of the premiums and collect them in the cashback pool jointly by policyholders in the cashback group. The cache-back group management unit 110 may generate a plurality of cache-back groups, and a cache-back pool may be created for each of the plurality of cache-back groups. However, the cache-back group management unit 110 may correspond to one cache-back group in one cache-back group or correspond to one cache-back pool in a plurality of cache-back groups as needed.

The cache-back-group management unit 110 may set the cache-back group as an open group and a closed group to limit the participation of the policy contractor, and may assign the policy contractor to one of the open group and the closed group on the basis of disclosure. Here, the public group means a group in which the search of the cache-back group is disclosed, and the participation of the policy contractor can be relatively freely generated as compared with that of the private group. A private group may be created by invitation or recommendation to engage a policyholder trusted by the policyholder in the cashback group, and only the policyholder who satisfies the limited subscription conditions in the cashback group may participate. For example, in the case of a private group, the cache-back group management unit 110 may subscribe an insurance contractor to a private group by one of recommendation and invitation from at least one of the private-group insurance contractors.

The cache-back-group management unit 110 may convert a cache-back group from a public group to a private group or from a private group to an public group. For example, after the insurance contractor in the cashback group reaches the predetermined number of persons or the change from the preset number of persons to the private group is performed after the insurance contractor is recruited into the public group so as to increase the participation rate of the insurance contractors, If approved, you may switch to a private group. On the other hand, if the cache-back-group managing unit 110 is less than the predetermined number of persons due to the withdrawal of the policy contractor in the cache-back group or agrees to switch from the preset number of persons to the public group,

The cache-back group management unit 110 may create a cache-back group so that it can include friends, acquaintances, and trusted members by a specific policy contractor. Of course, the cache-back-group management unit 110 may receive information on the assignment to the cache-back group, the request for the subscription, the invitation, and information on whether or not the policy-holder subscribes to the cache-back group. In addition, the cache-back-group management unit 110 can leave the policy contractor requested to withdraw from the insurance contractor in the cache-back group, and if there is more than a certain number of people in the cache-back group, It can be withdrawn.

The cache-back-group management unit 110 may assign a policy contractor who issues a new contract or renewal contract of insurance to a cache-back group, but may assign a policy-contractor belonging to the existing insurance product to a cache-back group. The cache-back-group management unit 110 stores information on the age, sex, residence area, accident history (or disease history, insurance payment history), insurance object information (for example, Information (in the case of fire insurance)), and so on.

In addition, the cache-back-group management unit 110 may include the insurance contractors having at least two insurance policies having similar conditions in a cache-back group so that the insurance-contractors having two or more insurance contracts are included in one cache- You may. For example, in a case where the insurance contractors who have both contracted the driver insurance and the car insurance have similar conditions, the cache-back group management unit 110 may be included in one cache-back group so as to be accumulated in one cache-back pool. Accordingly, the cache-back group management unit 110 can include a plurality of insurance contractors in a single cache-back group, thereby simplifying management by unifying the cache-back pool to the insurance contractors who have contracted a plurality of insurance policies You may.

The cashback accumulating unit 120 accumulates at least a portion of insurance premiums of the policyholders included in the cashback group in the cashback pool. For example, the cashback accumulating unit 120 may accumulate at least a portion of the premiums in the cashback pool for all the insurance fees for which the deductible is charged in the event of an accident.

To this end, the cashback accumulating unit 120 may accumulate at least a part of the cost related to the deductible included in the premium in the cashback pool. At this time, the cashback accumulating unit 120 can charge the insured under the condition that the self-paying amount is the highest, and accumulates the amount corresponding to the difference between the premium of the highest self-paying condition and the insurance of the lowest condition as the cashback amount can do.

For example, in the case of auto insurance, the cashback accumulating unit 120 may calculate an amount corresponding to a difference between a premium based on a physical premium standard (about 500,000 won to about 2,000,000 won) and a self-contribution amount (about 20%, about 30% And can be accumulated in the cashback pool. To this end, the cash back accumulating unit 120 makes a contract with the insurance company under the condition that the premium rate for the policy holder in the cash back group is lowered to the maximum (about 500,000 won) and the self pay ratio is maximized (about 30%) can do. Thereafter, the cashback accumulating unit 120 obtains the minimum amount of premium (about 500,000 won) and the maximum payout amount of the insurance premium when the physical premium standard is the maximum (about 2,000,000 won) and the self- (Approximately 30%) can be credited to the cashback pool.

On the other hand, the cash back accumulating unit 120 may accumulate a portion of the policyholders' premiums in the cashback pool at the time of the insurance contract, that is, at the time of payment of the premium. However, the cash back accumulating unit 120 may pay only the insurer's premiums to the insurer except for the amount to be accumulated in the cashback pool. At this time, when the insurance payment is required in the cash back pool, for example, after the occurrence of an accident by the insurance contractor in the cash back group, the cash back accumulating unit 120, May request payment or settlement of the amount to be credited to the cashback pool. Accordingly, the cash back accumulating unit 120 may receive a portion of the premiums to be accumulated in the cashback pool of the insurance premiums from the policy contractor at the time of payment to the insurance contractor who has an accident in the cashback pool.

The cashback provider 130 may calculate the refund amount of the cashback group based on a preset time point. Here, the predetermined time may be the end of a preset period for the operation of the cache-back pool, that is, the end of the period. For example, when the operating period of the cache back pool 130 is the end time (end) of the operating period of the cache-back pool, for example, the yearly unit (1 year), the 31 December may be a preset time, (3 months), March 31, June 30, September 30, and December 31 may be set in advance, and in the case of a six-month period, June 30, 12 Month 31 may be a preset time. Alternatively, the cache-block providing unit 130 may set a time point at which one year, six months, three months, etc. elapsed based on the creation date of the cache-back group as the ending time of the operation period of the cache-back pool.

The cashback offerer 130 may cash back the refund amount to the policyholders of the cashback group. For example, the cashback offerer 130 may receive the refund amount in the form of cash or may be used for the premium discount by using the reimbursement premium for the renewal of the existing insurance. The cashback providing unit 130 may provide the refund amount in the form of various coupons.

The cashback providing unit 130 may calculate the refund amount, and if the refund amount exists, calculate the ratio for each policy contractor based on the reservation of the cashback group. Thereafter, the cash-back offerer 130 may provide cash, insurance premium discounts, coupons, etc. in the form of cash back to the insurance contractor by multiplying the refund amount by the ratio calculated for each insurance contractor.

When the insurance contractor withdraws from the cashback group, the cashback provider 130 may calculate the refund amount of the cashback group based on the withdrawal time and return the refund amount. That is, the cashback offerer 130 may multiply the refund amount by the ratio calculated by the insurance contractor, but may calculate the refund amount based on the date until the date of withdrawal based on the fact that the refund amount is not met.

In the case where the cashback provider 130 operates the cashback pool in a form in which the cashback pool is paid in addition to the payment of the cashback pool, there is no refund amount of the cashback group. Therefore, for the cashback group corresponding to the corresponding cashback pool, May not be generated. However, since the policyholders in the cashbag group have paid premiums by deducting the amount to be credited to the cashback pool at the time of payment, there is no additional amount to be paid as a cashback pool. Therefore, it is possible to provide policyholders with the same effect as a refund using a cashback pool.

The insurer payment unit 140 may charge the insurer's insurance premiums included in the cashback group to the insurer except for the premium to be credited to the cashback pool. However, the insurance money payment unit 140 may provide the amount to be paid to the insurance company to the user terminals 21, 22, and 23 so that the policyholders can directly pay the insurance premiums, excluding the amount to be accumulated in the cashback pool.

On the other hand, the insurance money payment unit 140 can pay the insurance money based on the amount accumulated in the cashback pool when an accident of the policyholder occurs. If the insurer payment unit (140) is required to pay the amount exceeding the amount accumulated in the cashback pool, the insurer may request the insurance company to dispose of it. In addition, the claimant payment unit 140 may operate a separate guarantee pool to pay an amount exceeding the amount accumulated in the cashback pool. Here, the guarantee pool may be operated by the amounts accumulated in the cashback pool or by subscription to products for separate guarantee pool operations, such as insurance, guarantees, and other financial instruments to secure payment capability.

Such a premium cashback offering device 10 can create a cache-back group among policyholders under similar types of guarantees to earn some of the premiums in the cashback pool. In case of an accident, the insurance money back providing apparatus 10 may pay a portion of the insurance money or the deductible from the cash back pool to the insurance contractor who has caused the accident. If there is a refund amount in the cash back pool after a predetermined period of time has elapsed, the premium cash back providing apparatus 10 can pay the refund amount to the insurance contractors of the cash back group corresponding to the corresponding cash back pool.

Accordingly, the insurance money back providing apparatus 10 can provide the benefit of further reducing the insurance premium paid by the insurance contractors who have contracted similar insurance because the insurance can be refunded through the cash back pool when the incidence of the accident is low. can do. In addition, the insurance money back providing apparatus 10 can reduce the premium by allowing a portion of the premium to be refunded to the insurance contractor having a low accident rate.

3 is a view for explaining a premium cashback according to an embodiment.

3, the insurance money back providing apparatus 10 operates the cash back pool 101 between the policy contractor 20 and the insurance company 30. [

The insurance money back providing apparatus 10 can receive the insurance premium of the insurance that the insurance contractor 20 wants to join (S201).

The insurance money back providing apparatus 10 can pay the remaining amount of the insurance premium 30 excluding insurance premiums to the insurance company 30 that handles the insurance desired by the policy contractor 20 at step S202.

In this way, the premium cashback providing device 10 can accumulate a portion of the insurance premiums of the policy holder in the cashback pool 101 (S203). The premium cashback offering device 10 groups the policyholders with the cashback group and accumulates a certain amount of money in the cashback pool 101 from all the policyholders of the grouped cashback group.

For example, assuming that the premium paid from the policy contractor 20 is '100' through step S201, the insurance premium paid to the insurance company 30 in step S202 is '90' The amount of money accumulated in the above can be '10'.

The insurance money back providing apparatus 10 can be paid using the amount accumulated in the cash back pool 101 (S204) if the insurance company has to pay an additional premium (for example, self-contribution) in accordance with the occurrence of an accident. If the amount to be accumulated in the cache-back pool is not accumulated in advance in step S203, the insurance-cash-back providing apparatus 10 may be further paid for accumulation in the cash-back pool from all policyholders in the cash- back group in the event of an accident. For this purpose, the insurance money back providing apparatus 10 allows the insurance contractor to pay only the premium of '90' based on the premium '100' at the time of insuring the insurance, and accumulates the remaining premium of '10' For example.

Accordingly, when the insurance-cash-back providing apparatus 10 completes the accumulation of all the insurance contractors of the corresponding cash-back group in the cash-back pool, a portion of the insurance money or deductible for the occurrence of the accident is collected from the amount accumulated in the cash- To be paid to the contractor.

After the predetermined period of time has elapsed, the insurance money back providing apparatus 10 may return the refund amount to the policy contractor 20 in the form of a cash back if the refund amount exists in the cash back pool 101 (S205).

Accordingly, the insurance money back providing apparatus 10 can receive the same guarantee by using the insurance premium based on the existing insurance contract to the insurance contractor 20, and can prevent the occurrence of accidents or excessive insurance claims If there is no insurance premium, some of the premiums can be refunded or discounted, which can save the premium. In addition, policyholders can pay more attention to lowering the accident rate for the generation of the redemption amount, thereby alleviating the social cost of premium spending.

4 is a flowchart illustrating a method of providing a premium cashback according to an embodiment.

Referring to FIG. 4, the insurance cash-back providing apparatus 10 may group the insurance contractors of a predetermined number to create a cache-back group (S310). The premium cashback providing apparatus 10 may generate a plurality of cashback groups for one insurance commodity or may generate one or more cashback groups for each insurance commodity. For example, the insurance premium cashback providing apparatus 10 may generate a plurality of cashback groups for the car insurance. In this manner, the insurance premium cashback providing apparatus 10 may generate one or more cashback groups for each insurance according to the type of insurance such as auto insurance, driver insurance, fire insurance, and damage insurance.

The insurance premium cashback providing device 10 may accumulate a portion of the premium in the cashback pool (S320). For example, the premium cashback provider 10 may accumulate the amount generated in the cashback pool based on the difference in premiums classified according to the deductibles.

The insurance money back providing apparatus 10 can check whether the reason for the insurance payment has occurred in the cash back pool (S330). The insurance premium cashback providing device 10 confirms the occurrence of an insurance premium such as an accident of an insurance contractor in the cashback group. For example, the insurance cash-back providing apparatus 10 can pay for an accident requiring payment of a deductible due to a vehicle accident or the like from the cash-back pool. At this time, the insurance money back providing apparatus 10 may provide all of the self-contribution of the policy contractor due to an accident in the cash back pool, but some of the deductible may be claimed to the policy contractor. For example, when an accident occurs in a car accident, the insurance premium is charged to the insurance contractor based on the maximum premium (about 2 million won) and the self-contribution is the minimum (about 20%). The difference between the minimum premium (about 500,000 won) and the maximum premium (about 30%) can be paid at the cashback pool.

In step S330, the insurance premium cashback providing device 10 provides a portion of the insurance money or the deductible at the time of the accident to the insurance insurer having the accident (S340). The insurance money back providing apparatus 10 may pay a portion of the insurance money or the deductible to the insurance contractor who accrues in the amount accumulated in the cash back pool, , That is, through an insurance company (insurance company server).

On the other hand, if there is no insurance premium payment reason in step S330, the insurance premium cashback providing apparatus 10 proceeds to step S350.

The premium cashback providing device 10 may determine whether a preset time has been reached in the cache back group (S350). The premium cashback offerer 10 may set the preset time point to the same date (time) for the entire policyholder in the cashback group. For example, the predetermined time point can be set variously on a quarter basis, a half-year basis, or a podium level, and can be set to a time point that satisfies a specific condition such as a time point at which the refund amount is exhausted. At this time, the insurance money back providing apparatus 10 can set all the same date (time) even when the contract date of the insurance contractors in the cash back group or the insurance period (the period during which the insurance benefits are provided) are different. Alternatively, the premium cashback providing device 10 may set all of the preset points of time for each of the policy contractors in the cashback group differently. For example, the insurance premium cashback providing device 10 may be provided with a predetermined time period based on the insurance contractor's insurance termination point, the policy contractor's request for withdrawal of the cashback group, the arbitrary point designated by the policy contractor, Time, and the point of time when the accident occurred by the policyholder.

In step S350, the insurance premium cashback providing device 10 calculates a refund amount of the cashback pool when it reaches a preset time.

The insurance premium cashback providing device 10 calculates the refund amount of the cashback pool (S360). The insurance money back providing apparatus 10 may determine the remaining amount remaining in the cash back pool as the refund amount and may determine the refund amount as the amount obtained by deducting the operating fee based on the operation of the insurance money back providing apparatus 10. [

The insurance money back providing apparatus 10 can provide the refund amount to the insurance contract in the cash back group and terminate the process (step S370). The refund amount of the insurance money back providing apparatus 10 can be variously set in consideration of the subscription period based on the retrieval of the cash back group, the amount accumulated in the cash back pool, and the occurrence of an accident based on the retrieval of the cashback group. However, the premium cashback offering device 10 may pay and terminate the insurance premiums at the same rate if the cashback group is created on the basis of the policyholder based on similar conditions.

On the other hand, if it is determined in step S350 that the insurance cash-back providing apparatus 10 has not reached the predetermined time, the insurance premium cash-back providing apparatus 10 proceeds to step S330 and determines whether a reason for paying premiums in the cash-

5 is a flowchart illustrating a method of generating a cache-back group according to an embodiment of the present invention.

Referring to FIG. 5, the insurance premium cashback providing device 10 receives information related to subscription from a user and subscribes to create a subscriber group (S311).

The premium cashback providing device 10 calculates the premium of the registered user (S312). To this end, the insurance premium cashback providing device 10 can receive information related to the insurance that the user wishes to join.

The premium cashback offerer 10 determines whether the user who has calculated the insurance premium is an invited user (S313).

As a result of the determination in step S313, if the user is the invited user, the insurance premium cashback providing apparatus 10 sets the cashback group to the private group cacheback group and proceeds to step S316 (S314).

Otherwise, if it is determined in step S314 that the user is not an invited user, the premium cashback offerer 10 sets the cashback group as a cache-back group of the public group, and proceeds to step S316 (S315).

The insurance money back providing apparatus 10 can allocate the user set as one of the public group and the private group to the cashback group and complete the insurance. At this time, the insured user becomes the policy contractor.

The insurance money back providing apparatus 10 joins the insurance contractor to the cash back group and proceeds to step S320 (S317).

FIG. 6 is a flowchart illustrating a transition from a public group to a private group according to an exemplary embodiment.

Referring to FIG. 6, the insurance premium cashback providing device 10 may send an invitation message to the policyholder to participate in the open group from the policy holder in the open group (S410). At this time, the insurance money back providing apparatus 10 can send the insurance premium to the other policy contractors who satisfy various conditions such as the insurance contractor's acquaintances (family, lover, friend, colleague), previous cashback group member, In addition, the insurance money back providing apparatus 10 may send an invitation message requesting invitation to the cash back group together with an invitation to join the insurance.

The insurance money back providing apparatus 10 determines whether insurance contractors corresponding to a predetermined number of persons participate (S420). For example, the insurance cash-back providing apparatus 10 judges whether five insurance contractors participate if the number of persons is set to five.

As a result of the determination in step S420, if the policy contractor corresponding to the predetermined number of people participates, the insurance money back providing apparatus 10 checks whether there is a consent to switch to the private group of a predetermined number or more (step S430). For example, if there are five participants in the cashback group, the insurance premium cashback providing apparatus 10 can determine whether there is a consent to switch from three or more persons to a private group.

However, if it is determined in step S420 that the policy contractor corresponding to the predetermined number does not participate, the insurance cash-back providing apparatus 10 proceeds to step S420 after waiting a predetermined time. In addition, although not shown, the insurance premium cashback providing device 10 may proceed to step S410 to further invite another policy contractor.

As a result of the checking in step S430, if the predetermined number of persons or more agree to switch to the private group, the premium cashback offerer 10 converts the cashback group into a private group (S440). For example, if three or more persons in a group of five insurance contractors agree to a transition to a private group, the insurance premium cashback offering device 10 may convert the cashback group into a private group.

The premium cashback offerer 10 may determine whether to send an invitation message for participation in a private group (S450).

The insurance money back providing apparatus 10 sends an invitation message to the policy contractor for participation as a private group and ends the process (S450).

As a result of the checking in step S430, if the predetermined number of persons or less do not agree to switch to the private group, the premium cashback providing apparatus 10 maintains the state of the cache back group as a public group in the current state and ends.

FIG. 7 is a view for explaining a cache-back group of a public group and a private group according to an embodiment.

Referring to FIG. 7, the premium cashback providing apparatus 10 may generate a cache-back group 510 set as an open group by a subscription of a first policy holder 501 and a request to create a cache-back group.

The insurance money back providing apparatus 10 can send an invitation message to the second insurance contractor 502 to the fifth insurance contractor 505 to join the public group. At this time, the insurance premium cashback providing device 10 may send an invitation message at the request of the first policyholder 501 or may set it according to the rules set in the insurance cashback providing device 10. [

If a certain number of persons or more agree with the first policy contractor 501 or the fifth policy contractor 505 or if a preset condition (for example, invitation completion of a certain number of persons, etc.) is satisfied, the public group is switched to a private group .

At this time, the insurance premium cashback providing apparatus 10 may accumulate a portion of premiums of the policyholders in the cashback pool 521 of the cashback group 520 set as the private group.

8 is a view for explaining insurance premiums of insurance policyholders accumulated in a cashback pool according to an embodiment.

Referring to FIG. 8, the insurance money back providing apparatus 10 may accumulate a predetermined premium in the cash back pool 612 based on the car insurance.

The insurance money back providing apparatus 10 calculates the initial insurance premium 610 of the insurance contractor in the cash back group, and can calculate 1 million won. At this time, the insurance money back providing apparatus 10 is calculated on the basis of the insurance commodity having a ratio of about 20% under the condition that the deductible is the lowest. The insurance premium for insurance products is about 2 million won, the minimum amount is 200,000 won, and the maximum amount is 500,000 won.

The premium cash-back providing apparatus 10 pays the premium 611 on the basis of the insurance commodity having the highest self-paying amount and about 30% when the premium is paid. The insurance premium of the insurance product is about 500,000 won, the minimum amount is 300,000 won, and the maximum amount is 1 million won.

As described above, the insurance cash-back providing apparatus 10 calculates the difference between the insurance premium (for example, 1 million won) and the insurance premium (for 900 million won), which is the lowest self- 612).

Therefore, the insurance premium cashback providing apparatus 10 forms a cashback group and subscribes insurance products whose premiums are differentiated from the insurance contractors included in the cashback group based on the deductible. Thereafter, the insurance money back providing apparatus 10 can provide a portion of the insurance money or the deductible in the cash back pool 612 to the insurance contractor in which an accident occurred, in the event of an accident.

The premium cashback provisioning device 10 can be distributed to the policyholders of the cashback group at a time when a certain amount of time has accumulated in the cashback pool if no accident occurs.

9 is a diagram for explaining a guarantee pool for a plurality of cache-back groups according to an embodiment.

Referring to FIG. 9, the guarantee pool 700 may be referred to as a guarantee pool and may be used to conserve a certain amount of money when the balance in each of the cache-back pools 701, 702, and 703 is insufficient.

The guarantee pool 700 can accumulate a portion of the amounts accumulated by the users in the cashback pool as a guaranteed pool. Also, the guarantee pool 700 may be secured through participation in a product (insurance, guarantee, other financial products, etc.) for maintaining a certain amount of money.

The premium cashback providing apparatus 10 may operate a plurality of cache back pools and may store a plurality of cashback pools corresponding to the first cache back pool 701 and the second cache back group 720 corresponding to the first cache back group 710, A second cache-back pool 702, and a third cache-back pool 703 corresponding to the third cache-back group 720.

The first cache-back pool 701 may receive a portion of the premiums from the policyholders of the first cache-back group 710. The second cache-back pool 702 may receive a portion of the premiums from the policyholders of the second cache-back group 720. The third cache-back pool 703 may receive a portion of the premiums from the policyholders of the third cache-back group 730.

The insurance cash-back offerer 10 may pay premiums in case of an accident in the accumulated cash-back pools 701, 702, 703, but a shortage of the amount accumulated in the cache-back pools 701, 702, 703 may occur .

To this end, the cache-back providing apparatus 10 can operate the guarantee pool 700, and when the premium payment of an amount exceeding the amount accumulated in the cache-back pool 701, 702, 703 is required, You can also keep costs at.

This guarantee pool 700 can be used to secure the ability to pay additional premiums and is not used as a source of cashback pools. Thus, the assurance pool 700 is operated to prepare for a charge exceeding the amount accumulated in the cache-back pool.

The method of providing a premium cashback in accordance with the embodiment described with reference to FIG. 4 may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes any information delivery media, including computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism.

Also, the method of providing a premium cashback according to an embodiment of the present invention may be implemented as a computer program (or a computer program product) including instructions executable by a computer. A computer program includes programmable machine instructions that are processed by a processor and can be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language . The computer program may also be recorded on a computer readable recording medium of a type (e.g., memory, hard disk, magnetic / optical medium or solid-state drive).

Therefore, the method of providing the premium cashback according to an embodiment of the present invention can be realized by the computer program as described above being executed by the computing device. The computing device may include a processor, a memory, a storage device, a high-speed interface connected to the memory and a high-speed expansion port, and a low-speed interface connected to the low-speed bus and the storage device. Each of these components is connected to each other using a variety of buses and can be mounted on a common motherboard or mounted in any other suitable manner.

Where the processor may process instructions within the computing device, such as to display graphical information to provide a graphical user interface (GUI) on an external input, output device, such as a display connected to a high speed interface And commands stored in memory or storage devices. As another example, multiple processors and / or multiple busses may be used with multiple memory and memory types as appropriate. The processor may also be implemented as a chipset comprised of chips comprising multiple independent analog and / or digital processors.

The memory also stores information within the computing device. In one example, the memory may comprise volatile memory units or a collection thereof. In another example, the memory may be comprised of non-volatile memory units or a collection thereof. The memory may also be another type of computer readable medium such as, for example, a magnetic or optical disk.

And the storage device can provide a large amount of storage space to the computing device. The storage device may be a computer readable medium or a configuration including such a medium and may include, for example, devices in a SAN (Storage Area Network) or other configurations, and may be a floppy disk device, a hard disk device, Or a tape device, flash memory, or other similar semiconductor memory device or device array.

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

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

10: Cashback service
21, 22, 23: user terminal
31, 32, 33: insurer server
110: a cache-back group management unit 120: a cache-
130: Cashbag Offering 140: Insurance Payment Section

Claims (23)

A cache-back group management unit for managing a cache-back group;
A cashback accumulating unit for accumulating at least a portion of insurance premiums of the policyholders included in the cashback group in a cashback pool; And
And a cashback providing unit for calculating a refund amount of the cashback pool at a preset time based on the premium payment details of the accumulated cashback pool and providing the refund amount to the policy contractor in the cashback group. The method according to claim 1,
Wherein the cache-
Wherein the cashback group is classified into a public group and a non-public group according to whether the cashback group is open or not, and the insurance contractor is assigned to one of the public group and the non-public group. 3. The method of claim 2,
Wherein the cache-
And when the insurance contractor having more than the number of persons set in advance in the public group agrees to the conversion into the non-public group, switches to the private group. 3. The method of claim 2,
Wherein the cache-
Wherein in the case of the private group, the insurance contractor is subscribed by one of recommendation and invitation from at least one of the policy contractors in the private group. The method according to claim 1,
Wherein the cashback-
And accumulating at least a portion of the self-pay related expenses included in the premium in the cashback pool. 6. The method of claim 5,
Wherein the cashback-
The insurance cash-back providing apparatus for insuring the insurer server providing the insurance service with the highest deductibles to the insurance contractor of the above-mentioned cash back group. The method according to claim 6,
Wherein the cashback-
And the amount of money corresponding to the difference between the insurance premium of the condition having the highest self-paying amount and the insurance premium of the lowest condition to the insurance contractor of the cashback group is accumulated in the cashback pool. The method according to claim 1,
Wherein the cache-
Calculating a refund amount of the cashback group based on a preset time point, and returning the cash back to the policy contractors of the cashback group based on the refund amount. 9. The method of claim 8,
Wherein the cache-
Calculating a ratio based on the fact that the insurance contractor is a member of a cash back group of each of the insurance contractors in the cash back group, and multiplying the refund amount by the ratio to cache the refund amount. 9. The method of claim 8,
Wherein the cache-
And when the insurance contractor withdraws from the cashback group with respect to the insurance contractor in the cashback group, the cashback service provider calculates and returns the premium based on the refund amount at the time of withdrawal. 10. The method of claim 9,
Wherein the cache-
And updates the insurance contract by the cashback group based on the refund amount to the user having the refund amount at the predetermined time. The method according to claim 1,
Wherein the insurance money back providing apparatus comprises:
Further comprising an insurance money payment unit for paying insurance money in the cash back pool or paying a part of the self insurance charge to the insurance contractor in which an accident occurred if the insurance money should be paid due to an accident of the insurance contractor included in the cash back group Insurance premium cashback service. 13. The method of claim 12,
Wherein the cashback-
And an amount to be accumulated in the cashback pool is paid from all policyholders included in the cashback group after the occurrence of the accident. In a method for providing a cashback of a premium cashback providing apparatus,
Creating a cache-back group;
Accumulating at least a portion of insurance premiums of the policyholders included in the cashback group in a cashback pool;
Calculating a refund amount of the cashback pool at a preset time based on the premium payment amount of the accumulated cashback pool; And
And providing the refund amount to the policy contractor in the cashback group. 15. The method of claim 14,
Wherein the generating the cacheback group comprises:
Dividing the cache-back group into a public group and a non-public group according to whether the cache-back group is open or closed;
And assigning the insurance contractor to one of the public group and the non-public group. 16. The method of claim 15,
Wherein the generating the cacheback group comprises:
Further comprising the step of switching to a private group if the policy contractor having more than a predetermined number of persons in the public group agrees to the conversion to the private group. 15. The method of claim 14,
The step of accumulating at least a portion of the insurance premiums in the cashback pool comprises:
And accumulating at least a portion of the self-pay related expenses included in the premium in the cashback pool. 18. The method of claim 17,
The step of charging at least a part of the self-charge related expenses included in the insurance premium to the cashback pool,
Actively insuring the insurer providing the insurance service to the insurance contractor of the above-mentioned cashback group on the condition of the highest deductibles; And
And accumulating, in the cashback pool, an amount corresponding to the difference between the insurance premium of the condition having the highest self-paying amount and the insurance premium of the lowest condition to the insurance contractor of the cashback group. 15. The method of claim 14,
The step of providing the refund amount to the policy holder in the cashback group includes:
Calculating a refund amount of the cashback group based on a preset time point;
Calculating a ratio based on the fact that a member of the cashback group of each of the policy contractors in the cashback group is left as a member; And
And multiplying the reimbursement amount by the ratio to thereby cash back the refund amount. 15. The method of claim 14,
The insurance cash-
Further comprising the step of paying the insurance money or paying part of the self-paying fee to the insurance contractor in which the accident occurred, if the insurance money should be paid due to an accident of the insurance contractor included in the above-mentioned cash back group or the self- How to provide a cashback. 15. The method of claim 14,
The step of paying premiums in the cashback pool comprises:
Receiving an amount to be accumulated in the cashback pool from all policyholders in the cashback group after the occurrence of the accident;
And paying a portion of the insurance money or the self-contribution due to the occurrence of the accident to the insurance contractor in which the accident occurred, when the accumulation in the cashback pool is completed. A computer-readable recording medium on which a program for carrying out the method according to claim 14 is recorded. A computer program stored in a recording medium for performing the method according to claim 14, which is performed by a premium cashback providing device.

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