KR20190026296A - Method and system for providing insurance planning services - Google Patents

Abstract

The present invention relates to a method for providing an insurance planning service and a system thereof. According to an embodiment of the present invention, the method for providing an insurance planning service comprises the steps of: receiving and storing first user information from a first user terminal; extracting subscriber information having the same identification information as the first user identification information included in the first user information from a subscriber information storage server; transmitting insurance coverage status information of the user to the first user terminal; and determining and recommending an insurance required for the user of the first user terminal. Accordingly, the user can be matched with a relatively reliable insurance counselor, thereby solving problems of the existing insurance counseling system.

Description

[0001] METHOD AND SYSTEM FOR PROVIDING INSURANCE PLANNING SERVICES [0002]

The present invention relates to a method and system for providing an insurance design service, and more particularly, to a method and system for providing an insurance design service including a matching server.

Insurance is the process by which a large number of people facing the risk of the same accidental accident will be able to reserve the common property in advance by reserving the amount calculated on a certain scientific basis in order to meet the economic need arising from the accident, Means a system of paying a certain amount of money from property.

There are many different kinds of insurance in Hyundai. There are three types of insurance that can be categorized into three categories: insurance, insurance, insurance and insurance payment.

First, the insurance object can be divided into property and person, where the concept of a person includes a corporation like a company. Assets that can be insured first include almost all forms of tangible assets such as movable, house and real estate, bank deposits, cars, plate windows, airplanes and ships, and various goods in transit. On the other hand, when insuring a person, it includes the life, physical, health, employment and work ability, retirement pension, as well as the property which is at risk of being lost by fraud or embezzlement of business employees.

Second, the types of accidents that are replaced by insurance include various natural disasters such as fire, volcanic eruptions, floods, strong winds, lightning, earthquakes, diseases, etc., and the abuse of individuals who are liable for legal violations Debt incapacity, personal accidents, and so on. In recent years, even the supervisory responsibility for corporate management is included in the insurance coverage.

Third, the collection and payment methods of premiums and insurance benefits vary somewhat depending on the contents of insurance policies in any field, but the difference is most obvious in life insurance. First, term insurance is similar to non-life insurance. The insurance is only applied for a certain period of time when the premium is paid, and there are no other benefits. Life insurance, on the other hand, collects insurance premiums for a certain period of time and remains valid until the insured lives or grows, and the cash value continues to accumulate. Gift insurance is a combination of insurance and pension, which is covered for a certain period of time and accumulates cash value. The pension, which is usually deemed to be life insurance, is close to the guaranteed investment, and after a certain amount of payment is made for a certain period of time, more money is paid later in the same amount each year over a certain period.

As described above, various sorts of insurance services have been provided recently in order to prepare for the various risk factors encountered while the society becomes increasingly complicated and people live a lifetime.

Since the costs that individuals have to consider to solve life risks while living an individual life are different for each insurance company and for each product, it is necessary to select the product that has the best effect on cost guarantee against risk, In order to reduce the burden, it is necessary to grasp the financial condition of the customer in advance and to be able to pay the premium continuously while maintaining the current financial condition of the customer. It should also be designed in such a way that it can be exposed to future risks as customers live.

In order to use such a number of insurance services, the insured person has to insure each insurance. However, each insurance service includes many special items due to the nature of each insurance, and it is practically impossible for the insured person to participate in all the insurance they want and to provide services accordingly.

In addition, when the insured is injured or in danger without being covered by the insured person, the insured person is forced to see unpredictable damages, so that as many insured persons, , It is practically impossible to join all the insurances because there are numerous kinds of insurance as mentioned above.

In addition, insured persons are subject to different kinds of risks as they get older while living, so they want to have insurance services with different characteristics depending on their age. For example, if a young man in his 20s likes to travel, he will want to buy travel insurance. If he is in his 40s, he would want to buy auto insurance. Since the types of insurance that are desired to be different according to the age are different and their purposes are also varied, it is urgently required to introduce an insurance design service that satisfies the needs of insured persons having such various purposes.

In this regard, Korean Patent Application No. 10-2000-0075258 discloses an insurance design method free from the selection of a guarantee item and a guarantee amount. However, even if the insurance design is carried out based on the above-described technology, there is a potential problem in that the insured person insures the insurance through the acquaintance or insures the insurer through the insurer having low reliability.

In addition, even if the insurance contract is executed by the existing application, the existing application collects the customer information of the inquiry received through on-line and off-line in the data format and supplies it to the affiliated or contracted insurance specialist, insurance branch, There is a problem that the reliability is not high because the contract proceeds.

Therefore, a technique for solving the above-described problems is required.

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 aims to provide a method and system for providing insurance design services.

The method includes receiving and storing first user information from a first user terminal, receiving subscriber information having the same identification information as first user identification information included in the first user information from a subscriber information storage server Extracting the insurance information, transmitting the information on the insured state of the user to the first user terminal, and determining and recommending the insurance required for the user of the first user terminal.

According to any one of the above objects of the present invention, an embodiment of the present invention can provide a method of providing an insurance design service. Accordingly, the user can be matched with a second user having a relatively high reliability. This can solve the problems of the existing insurance counseling system.

According to any one of the above-mentioned objects of the present invention, the user can be recommended for the insurance that he or she needs, that is, the insurance that guarantees insufficiency of the existing insured insurance.

According to any one of the above-mentioned objects of the present invention, the user can proceed to inquire about the insurance on-line and receive the advice of the expert (second user) in real time.

The effects obtained by the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the following description .

1 is a block diagram schematically showing a configuration of an insurance design service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of a matching server according to an embodiment of the present invention.
3 is an exemplary diagram for helping an understanding of the insurance consultation request information and the transmission process of the insurance consultation answer in the insurance design service provision system according to the embodiment of the present invention.
FIGS. 4 to 7 are views for helping an understanding of the insurance consultation request information and the insurance consultation answer in the insurance design service providing method according to the embodiment of the present invention.

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". 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.

Before describing the present invention, the terms derived from the present invention will be described.

In the drawings, like reference numerals refer to like elements throughout. The same reference numerals are used to denote like elements in different drawings, and elements of different drawings can be cited when necessary in describing the drawings. Leave.

1 is a block diagram schematically showing a configuration of an insurance design service providing system according to an embodiment of the present invention.

1, an insurance design service providing system according to an embodiment of the present invention includes a first user terminal 100, a second user terminal 200, a matching server 300, a subscriber information storage server 400 , And each component of the insurance design service provision system 10 may communicate via the network N. [

The network N may be a local area network (LAN), a wide area network (WAN), a value added network (VAN), a personal area network (PAN) wireless networks such as mobile radio communication network, Wibro (Wireless Broadband Internet), Mobile WiMAX, HSDPA (High Speed Downlink Packet Access) or satellite communication network.

For convenience of explanation, the first user terminal 100 is a terminal controlled by a first user to request insurance-related counseling and insur- ance, and the second user terminal 200 is an insurance- And may be a terminal controlled by a second user who wishes to provide an answer to the join request.

The first user according to an embodiment of the present invention may be an insurance subscriber or an insurance related inquirer, and the second user may be an insurance consultant providing information on insurance.

The user terminals 100 and 200 may be implemented as a computer, a portable terminal, a television, a wearable device, or the like, which can be connected to a remote server through the network N or to be connected to other terminals and servers. 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 matching server 300 according to an embodiment of the present invention includes an insurance determination unit 310, a consultation information storage unit 320, a consultant information storage unit 330, a matching unit 340, a user information exchange unit 360, ≪ / RTI >

2 is a block diagram illustrating a configuration of a matching server 300 according to an embodiment of the present invention.

Meanwhile, the matching server 300 according to an embodiment of the present invention may include an insurance decision unit 310. [ The insurance determination unit 310 is a configuration and an apparatus for determining and recommending insurance required for a user of the first user terminal 100 connected to the matching server 300. [ For example, when the first user terminal 100 accesses the matching server 300, the matching server 300 inquires of the insurance to which the first user belongs, And can recommend the insurance that the user needs.

The mechanism to determine the insufficient part is as follows. First, the insurance coverage of the insurance of the first user is calculated, and the insurance coverage of the insurance of the age group (referred to as the same age group) to which the first user belongs is calculated. Based on each calculated coverage, the matching server 300 can derive an average of the coverage range. The average of the coverage of the first user and the coverage of the insurance coverage of the same age group are compared with each other, You can check the insured coverage and the excessive insurance coverage of the insurance you have joined.

More specifically, the matching server 300 may receive and store the information of the first user. In this case, when the matching server 300 receives and stores the user information from the first user terminal 100, the insurance decision unit 310 determines whether the matching information is included in the user information of the first user From the subscriber information storage unit, subscriber information having the same identification information as the identification information of the first user based on the user identification information (e.g., ID, resident registration number, name, telephone number, etc.). Based on the insurance information included in the extracted subscriber information, the insurance that the user has joined can be counted, and further, the subscription insurance list can be generated. Also, based on the generated subscription insurance list, And can determine the insurance that the first user needs to subscribe to.

Meanwhile, the matching server 300 according to an embodiment of the present invention may include a consultation information storage unit 320. For example, the first user may access the matching server 300 to register, modify, and delete the insurance consultation request information including the insurance related inquiry and the consultation request in the consultation information storage unit 320, Can be stored. For example, the first user can confirm contents that are not guaranteed by the insurance he / she pre-registered or insured with relatively insufficient insurance. Also, You can upload information.

For example, the insurance consultation request information includes an insurance inquiry inquiry of the first user, an insurance recommendation inquiry for the first user, a guarantee recommendation inquiry for the first user, an insurance total diagnosis inquiry of the first user, Inquiries, inquiries about first user's insurance claims, inquiries regarding special insurance (pet insurance, automobile, fetal insurance).

4-8. Insurance inquiries (claims, damage assessment)

Meanwhile, the matching server 300 according to an embodiment of the present invention may store the user information of the user using the insurance design service system 10 of the present invention in the user information storage unit 320. For example, user information may include information such as contact, vacation, alternate contact, company name, business number, industry type, business name, representative, address, representative, name, Identification information, and usage history.

Also, if the user is an individual, the user information may include an individual's name, age, address, gender, password, user identification information, and contact information.

Meanwhile, the matching server 300 according to an exemplary embodiment of the present invention may include a consultant information storage unit 330. For example, the second user can access the matching server 300 and upload the personal information of the counselor using the input means of the second user terminal. For example, personal information can be identification information (ID, resident registration number, etc.) of a counselor, name, age, sex, working place, working time, existing consultation history, award history, history and external evaluation of a counselor.

Meanwhile, the matching server 300 may include a matching unit 340 as an embodiment of the present invention. The matching unit 340 may generate a consultation request list and a second user list. For example, the consultation request list and the second user list are composed of a plurality of pieces of user information retrieved based on information stored in the user consultation information storage unit 320 and the consultant information storage unit 330. Thus, the user information list may include a consultation request list and a second user information list.

Specifically, the matching unit 340 may generate a consultation request list when receiving the consultation request information from the first user terminal 100. The consultation request list may include the identification information, the name, and the consultation request information of the first user who has uploaded the consultation request information.

The matching unit 340 may generate the first user information list based on the search request when the second user terminal 200 is requested to search for the first user information. Specifically, the second user can upload the answer to the consultation request information uploaded by the first user using the input means of the second user terminal. At this time, the information about the first user can be requested, The first user information list 340 may generate a first user information list.

Meanwhile, the matching server 300 according to an exemplary embodiment of the present invention may include a user information exchanging unit 350. The user information exchange unit 350 transmits the second user information stored in the consultant information storage unit 330 to the first user terminal 100 (the user information of the second user controlling the second user terminal 200) And transmits the first user information (the user information of the first user controlling the first user terminal 100) stored in the user information storage unit 320 to the second user terminal 200. For example, the user information exchange unit 350 receives an input for selection of at least one of the user request information from the user information list from the second user terminal 200, and stores the identification information stored in association with the selected personnel request information in the first In the case of the identification information of the user terminal 100, the second user information may be transmitted to the first user terminal 100 and the first user information may be transmitted to the second user terminal 200.

Also, the user information exchange unit 570 according to an embodiment of the present invention receives a request for the second user information from the first user terminal 100 and receives a request for the first user information from the second user terminal 200 And the matching server 300 may include an approval unit 360 for determining whether to approve the requested user information request.

The user information may be received from the user terminal connected to the matching server 300 through the network N and received from the operator terminal (not shown) managing the matching server 300 via the network N .

3 is a flowchart illustrating an insurance design service providing method according to an embodiment of the present invention.

The method of providing an insurance design service according to an embodiment of the present invention shown in FIG. 3 includes steps that are processed in a time-series manner in the insurance design service provision system 10 shown in FIGS.

3 is performed by a matching server 300 that communicates with a user terminal through a network N and transmits user information from the first user terminal 100 to the matching server 300. [ Receiving the second user information from the second user terminal 200 in association with the identification information of the first user terminal 100 and storing the second user information in association with the identification information of the first user terminal 100 A step S512 of transferring insurance coverage information of the first user to the first user terminal 100, a step S513 of transferring insurance coverage information of the first user to the first user terminal 100, a step of determining and recommending insurance required for the user of the first user terminal 100 (S514); receiving insurance consultation request information from the first user terminal 100 (S515); generating a consultation request list and a second user information list (S516); transmitting the consultation request list and the second user information list to the second user terminal 100 At least one of the consultation request list (S517), and receiving an input for an insurance consultation answer (S518).

Hereinafter, the method of providing insurance design service will be described in detail.

The matching server 300 according to an embodiment of the insurance design service providing method receives the first user information from the first user terminal 100 and stores it in association with the identification information of the first user terminal 100 ). The first user can be, for example, a person who has an inquiry about insurance or a registered insurance member, and can be a user who needs a manpower.

Meanwhile, in the step S512 of receiving the second user information from the second user terminal 200 and storing it in association with the identification information of the second user terminal 100, the second user transmits a predetermined condition To the matching server 300.

Specifically, the predetermined condition inputted by the second user is, for example, at least the position information of the second user terminal 200, the connection IP, the ID, the position information set by the second user, the name, the company name, And may include one piece of information.

Meanwhile, the step S512 of receiving and storing the second user information according to the embodiment of the present invention in association with the identification information of the second user terminal 100 may include receiving the second user information from the second user terminal 200 And storing it in association with the identification information of the second user terminal.

4 to 7 illustrate an insurance design service method according to an embodiment of the present invention in which the first user terminal 100 or the second user terminal 200 are matched with each other, And shows an interface displayed on the screen of the first user terminal 100. [0050] As shown in FIG.

In the step S513 of transmitting the insured state information of the user to the first user terminal 100, the insured state information includes the summary information of each insurance that the first user currently using the first user terminal is subscribed to . More specifically, in step S513, the matching server 300 transmits the insurance coverage information of the user to the first user terminal 100 from the subscriber information storage server 400, The matching server 300 may transmit the received insurance information to the first user terminal 100. [

At this time, the matching server 300 can manufacture, process, and summarize the insurance information produced in different specifications for each insurance company according to the specification of the first user terminal 100. In the first user terminal 100, Can output manufacturing, processing, and summarized information as shown in FIG.

Specifically, although not shown in FIG. 4, the matching server 300 can identify and analyze the content of the insurance product to which the first user is subscribed through the AI algorithm. can do. The matching server 300 may transmit and output the derived graph type guarantee method to the first user terminal so that the first user can easily recognize his / her insurance guarantee method. Furthermore, there is an advantage in that it can remodel a range of required insurance and a new insurance based on the coverage of oneself.

At this time, the user needs to know a portion that is insufficiently insured when the insurance he / she subscribes to is combined. In the step S514 of determining and recommending insurance required for the user of the first user terminal 100, The user terminal 300 can determine and recommend the insurance required by the user based on the insurance information that the first user received from the subscriber information storage server 400 subscribes to. The first user terminal 100 can output the insurance determined and recommended by the matching server 300 as shown in FIG. 5, and the first user can use the input means of the first user terminal 100 to perform a specific insurance In the case of selection input, a detailed description of the insurance can be displayed.

The user can request the consultation inquiry about the insurance determined and recommended by the matching server 300 or the consultation about the insurance not related to the insurance, receiving the insurance consultation request information from the first user terminal 100 S515), the user can input contents to the matching server 300 by inputting contents to be inquired by the user to the first user terminal. Specifically, the insurance consultation request information may include at least one of an insurance name, a price, a guarantee content, and an agreement, which is a configuration example included in the insurance consultation request information, and may include additional matters.

Referring to FIG. 5, the first user may select 'Request a Consultation' 610 to request a consultation. The first user can input the consultation request information using the input means of the terminal. When the consultation request information is sufficiently inputted, the 'request to register' 620 can be input based on FIG. 6 to transmit the consultation request information to the matching server 300. The matching server 300 receives the consultation request information, 1 user terminal 100 in association with the identification information of the user terminal 100. In other words, the matching server 300 may store the insurance consultation request information in the user information storage 320 in association with the identification information of the first user terminal.

Meanwhile, in the insurance design service providing method according to an embodiment of the present invention, when the first user requests the second user information search, the second user information list is generated, and when the second user searches for the first user information And generating a consultation request list (S515).

More specifically, when the first user uploads the consultation request information to the matching server 300, the second user views the consultation request information uploaded by the first user, Can be input using the input means of FIG. In addition, the first user can request a consultation using a face-to-face consultation or a chat with the second user based on the inputted answer. For this, the first user can request the second user information. For this, the matching server 300 may generate a second user information list including a consultation request list including consultation request information and a response to the consultation request information (S516).

Meanwhile, in the insurance designating service providing method according to the embodiment of the present invention, when the consulting request list and the second user information list are generated, the consulting request list generated by the first and second user terminals 200, An information list can be transmitted.

7, the second user terminal 200 can output the received consultation request list. It is possible to output at least one of the consultation request information selected from the consultation request list transmitted to the second user terminal 200 (S517), and may further receive an input to the insurance consultation answer (S518). At this time, when the consulting request information of the first user terminal 100 is received by the matching server 300, all the second user terminals 200 connected to the matching server 300 are alarmed. That is, when the consulting request information is received, the matching server 300 transmits alarm information to all the second user terminals. Thus, the second user can respond to the consultation request information in real time.

Similarly, the first user can select a second user who wishes to directly consult with the second user using the answer entered by the second user and the second user information list (not shown). To this end, A list of user information may be output so that the first user may be matched with a relatively trusted insurance counselor. In other words, unlike the existing method, if an inquiry request information is left to the matching server 300 through the input to the first user terminal 100, And the first user can directly select an expert who has received an answer, a comment, and a product recommendation, so that the consultation and the inquiry can be solved.

Meanwhile, an insurance design service providing method, which is an embodiment of the present invention, can recommend an expert to a first user. More specifically, based on at least one of the number of times the second user has matched with the other user, the accuracy of the answer, the number of comments, the number of inquiries, and the number of consultation requests transmitted to the second user, 2 user can be authenticated as a specialist in a specific field, and furthermore, recommendation can be made to the first user when there is a corresponding field request among the first user's consultation requests.

The insurance design service provision method according to the embodiment described with reference to FIG. 3 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 insurance design service provision method 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 have. 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 insurance designation service providing method according to the 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 at least a portion of a processor, a memory, a storage device, a high-speed interface connecting to the memory and a high-speed expansion port, and a low-speed interface connecting 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.

Wherein the processor is capable of processing instructions within the computing device, such as displaying external information, such as a display connected to a high-speed interface, graphics information for providing a graphical user interface (GUI) on the output device 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.

100: first user terminal
200: second user terminal
300: matching server
400: Subscriber information storage server

Claims (4)

Receiving and storing first user information from a first user terminal;
Extracting subscriber information having the same identification information as the first user identification information included in the first user information from the subscriber information storage server;
Transmitting the insurance coverage status information of the user to the first user terminal; And
And determining and recommending insurance required for the user of the first user terminal.
The method according to claim 1,
The insurance designation service providing method includes:
Receiving insurance consultation request information including at least one of an insurance name, a price, a guarantee content and an agreement from the first user terminal and storing the insurance consultation request information in association with the identification information of the first user terminal;
Generating a consultation request list based on the insurance consultation request information stored in the matching server and transmitting the consultation request list to the second user terminal;
Inputting at least one insurance consultation request information selection from the consultation request list from the second user terminal; and
And receiving an input for an insurance consultation answer from the second user terminal.
The insurance design service providing system for implementing the insurance design service providing method of claim 1,
A subscriber information storage server in which insured subscriber information is stored; And
And a matching server for receiving and storing first user information from a first user terminal,
The matching server,
An insurance determination service that extracts subscriber information having the same identification information as the first user identification information included in the first user terminal from the subscriber information storage server and determines and recommends insurance required for the first user Way.
The method of claim 3,
The matching server,
And a user information storage unit for receiving insurance consultation request information including at least one of an insurance name, a price, a guarantee content, and an agreement from the first user terminal, and storing the insurance consultation request information in association with the identification information of the first user terminal,
The matching server,
And generates a consultation request list based on the insurance consultation request information stored in the user information storage unit and transmits the consultation request list to the second user terminal,
Receiving at least one insurance consultation request information selection from the consultation request list from the second user terminal,
And receives an input for an insurance consultation answer from the second user terminal.

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