KR20190069728A - Method and system for providing insurance flatfrom by using informal data - Google Patents

Abstract

According to the present invention, disclosed is a method for providing insurance platform using unstructured data. The method comprises the steps of: signing an insurance contract using blockchain; obtaining unstructured data for a user, who has signed the insurance contract; comparing the unstructured data with data of another user to generate verification data; and recording the verification data in the blockchain and determining an incentive for the insurance contract to which the user subscribes based on the verification data.

Description

TECHNICAL FIELD [0001] The present invention relates to a method and apparatus for providing an insurance platform using atypical data,

The present invention relates to a method and system for providing an insurance platform using unstructured data, and more particularly, to a method and system for improving the reliability of unstructured data, linking with an insurance product, and managing linked insurance contracts in a block chain.

Insurance is usually a social system created to protect individuals from uncertain hazards such as sickness, injury, and accidents that arise as a result of individual social activities. Accordingly, insurance products are diversified into various forms depending on the needs of each society. For example, there are insurance products such as automobile insurance, driver insurance, health insurance, life insurance, accident insurance, accident insurance, fire insurance, marine insurance and marine insurance. Among the new insurance policies that insurance companies introduce, there are methods to provide incentives to increase or decrease premiums when proving health promotion based on data (regular data) measured through health checkups or wearable devices . (Eg - if you prove that you walked more than a day on a pedometer, deduct the premium)

However, since these formal data are very limited, it is difficult to develop new insurance products. Therefore, in recent years, there has been an increasing demand for a technique for linking insurance with realistic activity data (unstructured data) such as exercise in a soccer club or swimming personally, with highly reliable data. However, there is a problem that it is difficult to collect, compare, and manage different kinds of incentives by using different kinds of information (for example, unstructured data such as SNS and LIFE information).

According to an embodiment of the present invention, fixed data is generated by comparing unstructured data for various activities such as exercise, voting and service with other user data to generate block data based on the fixed data, A method for storing the same is disclosed.

 The present invention also discloses a method for authenticating a user by using a block chain in an insurance contract and a secondary transaction as well as verifying the activity of a user by utilizing unstructured data having increased reliability through mutual verification.

It is needless to say that the technical problems of the present invention are not limited to the features mentioned above, and other technical problems which are not mentioned can be clearly understood by those skilled in the art from the following description.

A method of providing an insurance platform using atypical data according to an embodiment of the present invention includes concluding an insurance contract using a block chain; Obtaining unstructured data for a user who has signed the insurance contract; Comparing the irregular data with data of another user to generate verification data; Recording the verification data in the block chain, and determining an incentive for the insurance contract to which the user subscribes based on the verification data.

The atypical data may include activity information on a user's social network service or activity information acquired through a wearable device.

Wherein collecting the atypical data comprises collecting photos or text uploaded by at least one user included in a team comprising a plurality of users,

The generating of the verification data may include authenticating whether the motion is actually performed using the photo or text uploaded by the user and generating verification data with reference to the big data corresponding to the motion .

The block chain may record the life insurance contract, the insurance premium calculation, the insurance claim, and the entire process until the insurance premium is paid.

Wherein collecting the atypical data comprises measuring a user's momentum through a wearable device and wherein the generating the verification data comprises generating the verification data based on the measured momentum and the baseline data and / Calorie consumption, health index, and the like.

The determined incentives may include insurance premiums, rewards, merchandise, and points for users utilizing the unstructured data.

The insurance platform providing method may include generating rankings among users utilizing the verification data.

A system for providing an insurance platform using unstructured data according to another embodiment of the present invention includes: a user terminal receiving unstructured data from a user and uploading the unstructured data to an insurance platform providing server; An insurance platform providing server for generating verification data by comparing the atypical data with data of another user, generating block data based on the verification data, and managing the block data in a block chain; And providing at least one insurance server for providing the incentive to the user of the insurance platform based on the verification data and providing the determined incentive to the user of the insurance platform .

The insurance platform providing server can reproduce the verification data as the formatted data based on the big data.

The insurance platform providing server collects information on contracts and claims between the user and the insurance company, generates block data based on the collected information, and stores the block data in a plurality of node servers.

In addition to this, another method for implementing the present invention, another system, and a computer-readable recording medium for recording a computer program for executing the method may be further provided.

According to the present invention as described above, various effects can be obtained as follows.

In accordance with an embodiment of the present invention, the present invention can provide a variety of insurance products to users in connection with unstructured data such as SNS activity information. In addition, by utilizing block chains, it is possible to increase the reliability of users by allowing users participating in the network to verify such unstructured data and registering only the blocks that have been verified in the chain. At this time, it is possible to provide incentives to individuals by using unstructured data considering individual activities.

In addition, since the contract information can be managed using the block chain, the insurance brokerage platform can not only merely compare the insurance but also can insure personal information, directly insure the insurance information, and manage insurance contents.

Therefore, it is possible to increase the convenience of insurance registration and management, and to manage contracts and insurance claims between a large number of insurers and a plurality of insurance contractors at home and abroad from the insurance providing platform at once.

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

1 is a diagram illustrating an example of an insurance platform providing system according to an embodiment.
2 is a view for explaining an example of a method of providing unstructured data to an insurer by utilizing an insurance platform providing system according to an embodiment.
FIG. 3 is a diagram for explaining a win-win relationship between an insurance company, an insurance-insured team, and an insurance platform using an insurance-platform providing system according to an embodiment.
4 is a diagram for explaining an example of basic data for converting unstructured data into formatted data according to an embodiment.
5 is a flowchart illustrating an invention providing an insurance platform using unstructured data according to an embodiment.
FIG. 6 is a flowchart for explaining another example of the invention of providing an insurance platform using unstructured data according to an embodiment.
7 to 9 are views for explaining an example of applying an insurance platform providing method using exercise data according to an embodiment to soccer.
FIG. 10 is a flowchart illustrating another example of the invention of providing an insurance platform using unstructured data according to an embodiment.
11 is a block diagram briefly explaining an insurance platform providing server using unstructured data according to an embodiment.
12 is a block diagram for explaining the insurance platform providing server using unstructured data according to an embodiment in more detail.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element.

Hereinafter, a method of providing an insurance platform using unstructured data according to embodiments of the present invention will be described with reference to the drawings.

1 is a diagram illustrating an example of an insurance platform providing system according to an embodiment.

Referring to FIG. 1, an insurance platform providing system 100 according to an embodiment includes a user terminal 200 for user authentication, an insurance platform providing server 300, and an insurance company server 400 linked thereto.

First, the user terminal 200 can receive the unstructured data from the user and upload it to the insurance platform providing server 300. Here, the atypical data may be information about athletic activities such as a user's jogging, soccer, and swimming, and may include data of a writing or photograph type that the user directly uploads. Generally, these unstructured data are not reliable and can not be linked to insurance services.

However, the insurance platform providing server 300 according to the embodiment generates the verification data by comparing the atypical data with the data of the other users, generates the block data based on the verification data, and stores the generated block data in the block chain, .

 For example, the users A, B, ... constitute a team X to register the user and the user terminals 200 and 201 in the insurance platform providing server 300. Then, A, one of the X team members, registers in the insurance platform providing server 300 a photograph, text, and the like that can demonstrate the start of the exercise at the start of the exercise. Here, pictures, texts and the like are uploaded to a separate social network service (SNS) server, and then the insurance platform providing server 300 can read them. Of course, photos and text uploaded to the insurance platform providing server 300 may be shared with the SNS.

On the other hand, if at least one member B of the configured team X authenticates with the location information, the comment, the photograph, the # team name, the # his name, etc., The providing server 300 authenticates, and then the verified data is generated for the health promotion activity corresponding to the exercise.

As another example, it is possible to further improve the reliability of the unstructured data by confirming whether or not the uploaded photos to the insurance platform providing server 300 (or the act of registering the information) have been uploaded to the registered terminal.

As another example, the insurance platform provision server 300 can register only the blocks that have been verified in the chain, by mutually verifying the validity of all participants on the network. For example, if A registers a picture and then registers in the insurance platform providing server 300 that the football has been completed 2 hours later, the team member B comments on the content, , The unstructured data uploaded by A must be authenticated to all of the team members (C, D, E, F, G, H ...) to ensure that the data is validly authenticated, or otherwise the data can not be authenticated.

According to one embodiment, unstructured data authenticated in the above-described manner can be transmitted to an insurance company to be utilized for discounting insurance premiums, etc., and ii) when an ongoing history accumulates, an objectified information DB can be constructed. Provide ranking, or iii) make a bet, or iv) pay a reward, a prize, a point, and so on.

For example, the insurance company server 400 provides the user terminal 200 or the insurance platform providing server 300 with information on the insurance product to which the user subscribes, and determines the incentive for the insurance contract the user subscribes based on the verification data And provide the incentive determined by the user. Of course, the data verified through authentication is not limited to providing incentives based on insurance contracts, and can be used in a variety of fields where it is necessary to increase the reliability of unstructured data as described later.

2 is a view for explaining an example of a method of providing unstructured data to an insurer by utilizing an insurance platform providing system according to an embodiment.

Referring to FIG. 2, in accordance with an embodiment of the present invention, a new relay entity, such as the insurance platform 230, may appear in addition to the insurance company 210 and the insurance subscription team 220, which is also called an insurance planner.

The insurance company (210) is responsible for storing the insurance monthly payment, designing and guaranteeing the insurance product. However, in the present embodiment, the insurance platform 230 appears and the fee is distributed to the insured member team 220 together with the insured member 220 if the insurer has only the insurer. That is, the insured team 220 can receive a reward from the insurance company 210 according to the term performance that the policy contractor promises when paying the premium monthly. Then, the insurance platform 230 can verify the unstructured data and provide it to the insurance company 210, and the corresponding fee can be distributed. The unstructured data that the insurance platform 230 verifies and provides to the insurance company 210 or the insured team 220 may include exercise data, team / team member information analysis, ranking, and SNS analysis contents. Particularly, when the big data learning method is adopted, the reliability of verification can be increased as the data is accumulated.

The insurance team 220 uses a block chain to enter a smart contract with the policy contractor, inquires monthly insurance premiums, insurance claims between the team members, and consents and agrees on the insurance company claims. At this time, the insurance application using the block chain proceeds with the insurance platform 230 that allows the unstructured data to be utilized rather than proceeding directly to the insurance company 210, and the insurance platform 230 accordingly performs marketing activities for attracting membership Support.

In addition, the insurance platform 230 may compare the SNS, the life log, and the exercise history classified as unstructured data with data of other users. Here, the Life Log can mean big data that is a lot of regular and unstructured data that is created by the user or left untouched.

In addition, the insurance platform 230 can analyze the athlete team / team member information to be managed and provide services such as rankings or inquiry history to subscribed users. Further, when the insurance of the insurer 210 is relayed through the insurance platform 230, since the insurance contract and the charge are managed through the block chain, the insured team 220 is no longer able to access the server of one insurer 210 You do not have to depend on the data you provide, so you can handle products from various insurance companies at home and abroad.

FIG. 3 is a diagram for explaining a win-win relationship between an insurance company, an insurance-insured team, and an insurance platform using an insurance-platform providing system according to an embodiment.

Referring to FIG. 3, the insurance platform 300 according to one embodiment can verify the unstructured data generated in various life sports activities 310 and provide the verified unstructured data to the domestic and overseas life insurance companies 320. In particular, the use of block chains makes insurance data accessible anywhere in the world, so a new type of P2P insurance contract can be established for foreign residents in Korea. In addition, domestic and foreign insurance companies 320 may design products on the basis of consistent unstructured data on one insurance platform 300. On the other hand, here, sports activities for the living can include early football, badminton, table tennis, bicycle, aerobics, mountain climbing, marathon and the like.

As another example, the insurance platform providing server 300 can analyze the big data such as the SNS, the life log, and the life activity information to provide a quantitative service to the insurance company. Here, the term "life log" means big data in which a large number of fixed and unstructured data are created by the user or left untouched. Here, images, search words, upload time, etc., can be used for SNS's big data analysis, and information of unauthorized users as well as users authenticated as insurance contractors can be utilized for authentication of unstructured data. Thus, using these verified unstructured data, it is possible to provide a variety of marketing benefits to policyholders.

4 is a diagram for explaining an example of basic data for converting unstructured data into formatted data according to an embodiment.

Referring to FIG. 4, unstructured data can be quantified by a basic measurement standard provided by a public authority. For example, the amount of hourly / calorie consumption per activity and the activity intensity are held as basic data, and the irregular data that the user uploads is converted into highly reliable regular data. In one embodiment, if the unstructured data uploaded by the user is a one-hour walk, the user can regularize how long the user walks in one hour, and then convert the calorie consumption according to the distance into an insurance company.

Of course, according to one embodiment, irregular data can be measured more precisely using the wearable device and immediately converted into verification data. In addition, the insurance platform providing system according to an embodiment can reproduce unstructured data having credibility even if the user periodically compares the unstructured data with the basic parameter through the big data.

5 is a flowchart illustrating an invention providing an insurance platform using unstructured data according to an embodiment.

Referring to FIG. 5, in step 510, an insurance platform providing method using unstructured data according to an exemplary embodiment may conclude an insurance contract using a block chain. Therefore, the entire process from claim to payment according to the insurance contract is recorded and managed in the block chain. By improving the complicated application and certificate issuance process required for existing claims, the customer can automatically claim the claims.

In step 520, the method of providing an insurance platform may obtain unstructured data for a user who has signed an insurance contract. Here, the atypical data may include activity information on the user's social network service or activity information acquired through the wearable device. Or the atypical data may include the user's momentum measured through the wearable device.

In step 530, the insurance platform provision method may generate the verification data by comparing the unstructured data with the data of the other user. Here, the verification data may include at least one of the user's calorie consumption amount and the health index based on the measured momentum and the basic data and / or the big data.

In step 540, the method of providing an insurance platform may record the verification data in a block chain and determine an incentive for the insurance contract the user subscribes to based on the verification data. Here, the determined incentives include premium increases, rewards, products, and points for users who utilize unstructured data. In addition, if validation data is utilized, it is possible to generate ranking among users to provide different incentives. On the other hand, the block chain can record the life cycle of insurance contracts, insurance premiums, claims and insurance premiums based on mutual verification.

FIG. 6 is a flowchart for explaining another example of the invention of providing an insurance platform using unstructured data according to an embodiment.

Referring to FIG. 6, in step 610, the insurance platform providing server concludes an insurance contract using a block chain. For example, the insurance platform providing server collects information on contracts and claims between a user and an insurance company, generates block data on the basis of the collected information, distributes the block data to a plurality of node servers, Can be recorded.

In step 620, the insurance platform providing server collects photographs or texts uploaded by at least one user included in a team composed of a plurality of users. Here, the photo or text may be uploaded directly to the insurance platform providing server or uploaded to the social network service (SNS) server of the user account.

In step 630, the insurance platform provision server authenticates whether the exercise has actually taken place. For example, make sure that uploaded users and other users on the same team upload similar photos or text based on photos or the time when the text was created. Or a method of requesting the other users belonging to the team to confirm the exercise facts.

If it is determined that the motion has been actually performed, the process proceeds to step 640 and verification data is generated by referring to the big data corresponding to the motion.

Then, in step 650, the verification data is recorded in the block chain, and an incentive for the insurance contract to which the user subscribes is determined based on the verification data. Here, insurance contracts are not limited to individuals but can be made on a team basis. In this case, unstructured data uploaded by one team member to the server may serve as a basis for estimating the incentive for team-based insurance. Particularly, if the ranking per team according to the number of SNS registrations and goals and the weight according to the rank are applied, it can stimulate mutual competition psychology and induce more active exercise.

7 to 9 are views for explaining an example of applying an insurance platform providing method using exercise data according to an embodiment to soccer.

First, referring to FIG. 7, life information of A and unstructured data 710 are displayed. For example, the life information of Mr. A is 45 years, 175 cm, 75 KG, and the exercise time is 06:00 to 08:00. The server of the insurance platform provides 708 Kcal of A based on the basic data (see FIG. 4) , It can generate verification data that it consumes 2 hours per day and consumes 56,640 Kcal for a total of 40 weeks.

Referring next to FIG. 8, unstructured data for a non-individual team-based contract can be generated. For example, as shown in 810, by periodically uploading the life information of the early football meeting member and the early football meeting information shown in 820, the exercise amount information of each team can be acquired. In particular, it is possible to verify whether a team-based movement has been performed through mutual authentication among team members, and in this case, the data can be recognized as formal data.

For example, if an early football meeting member A registers a photo and registers in the insurance platform providing server 300 that the football has been completed two hours later, a member of the team B comments on the content, If you apply for verification, the unstructured data uploaded by A must be authenticated to all of the team members (C, D, E, F, G, H ...) to ensure that the data is validly validated, have.

An example in which the above-described atypical data is verified and utilized in an insurance contract will be described in detail with reference to FIG.

9, first, in step 910, the user terminal 200 registers the exercise start SNS with the server, explains the exercise by photograph, # team name, # own name, or the like and performs SNS authentication together among team members.

Then, in step 920, the insurance platform providing server 300 interlocks with the user terminal 200, searches for the corresponding athletic team and time through the registered user's SNS, and authenticates the user through the photo, # team name, # his name, Or, the team members are authenticated by unstructured data of the user who uploaded the SNS together. That is, the insurance platform providing server 300 authenticates the unstructured data uploaded from the user terminal to generate the verification data.

According to one embodiment, unstructured data authenticated in the above-described manner can be transmitted to an insurance company to be utilized for discounting insurance premiums, etc., and ii) when an ongoing history accumulates, an objectified information DB can be constructed. Provide ranking, or iii) make a bet, or iv) pay a reward, a prize, a point, and so on.

Meanwhile, the insurance company server 400 registers block chain information for the registered user through the insurance platform providing server 300, and requests the registrant for the authentication to inquire confirmation when the monthly premium is paid. That is, the verification data registered in the insurance platform providing server can be confirmed once more, and the insurance premium that provided the incentive to the user according to the verification data can be paid. (Step 930)

FIG. 10 is a flowchart illustrating another example of the invention of providing an insurance platform using unstructured data according to an embodiment.

Referring to FIG. 10, the atypical data may be the presence or absence of a predetermined event such as an election.

Thus, at step 1010, the platform server collects the data when the user uploads unstructured data to the SNS for voting and authenticating the vote by leaving an authentication shot outside the home or outside polling place at a non-polling place.

In step 1020, the platform server indirectly verifies whether or not the user participates in the voting while verifying the unstructured data uploaded by the user referring to the data uploaded to the SNS by other users. That is, it can be used not only to confirm whether the corresponding party has performed the predetermined activity through the mutual authentication, but also to authenticate the user.

Therefore, mutual verification of unstructured data of this type can be utilized also in used transactions. That is, the irregular data that the user normally uploads can be mutually verified and stored using the block chain, and reliable data can be reproduced.

11 is a block diagram illustrating an insurance platform providing server using unstructured data according to an embodiment. The following discussion of FIGS. 11 and 12 is intended to provide a brief, general description of a suitable computing environment in which the invention may be implemented. Therefore, it will be apparent to those skilled in the art that the above-described contents in Figs. 1 to 10 can also be applied to the insurance platform providing server 300 shown in Figs. 11 and 12.

11, an insurance platform providing server 300 according to an embodiment includes an unstructured data collecting unit 301, an unstructured data verifying unit 302, a block data generating unit 303, and a block chain recording unit 304 .

The atypical data collecting unit 301 receives atypical data from at least one user terminal. Here, the atypical data may include activity information on the user's social network service or activity information acquired through the wearable device. Or the atypical data may include the user's momentum measured through the wearable device.

The unstructured data verification unit 302 compares the unstructured data requiring authentication with the data of another user to generate verification data. Here, the verification data may include at least one of the user's calorie consumption amount and the health index based on the measured momentum and the basic data and / or the big data.

Or by mutual verification with another user to authenticate whether or not the exercise was actually performed.

The block data generation unit 303 generates block data based on the verification data. Further, the information about the contract and the charge between the user and the insurance company can be collected and block data can be generated based on the information.

The block-chain recorder 304 records the generated block data in a plurality of node servers to form a block chain.

FIG. 12 is a block diagram for explaining a general configuration of an insurance platform providing server 300 using unstructured data according to an embodiment in more detail. That is, FIG. 5 illustrates an operating environment of the insurance-providing platform server 300.

Generally, program modules that comprise an operating environment include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The computer executable instructions, associated data structures, and program modules illustrate examples of program code means for carrying out the acts of the invention disclosed herein.

In an embodiment of the present invention, each of the steps shown in FIGS. 5 and 6 may be implemented by the above-described program module.

12, an exemplary computing system embodying the present invention includes a processing unit 11, a system memory 12, and various system components including the system memory 12 connected to the processing unit 11 And a system bus 10 for communicating with the system.

The processing unit 11 may execute computer-executable instructions designed to implement the features of the present invention.

The system bus 10 may be any of several types of bus structures including a local bus, a peripheral bus, and a memory bus or memory controller using any of a variety of bus architectures.

The system memory 12 includes a ROM (Read Only Memory) 12a and a RAM (Random Access Memory) 12b. A basic input / output system (BIOS) 13a, containing the basic routines that help to transfer information between components within a computing system, such as during start-up, may generally be stored in ROM 12a.

The computing system may include storage means, for example, a hard disk drive 15 for reading information from, or writing information to, the hard disk, for reading information from or writing information to the magnetic disk And an optical disk drive 17 that reads information from, or writes information to, an optical disk such as, for example, a CD-ROM or other optical media.

The hard disk drive 15, the magnetic disk drive 16 and the optical disk drive 17 are connected by a hard disk drive interface 18, a magnetic disk drive-interface 19 and an optical drive interface 20, respectively, And is connected to the bus 10.

Further, the computing system may further include an external memory 21 as a storage means. The external memory 21 may be connected to the system bus 10 through an input /

The above-described drives and their associated computer-readable media readable and writable by the drives provide non-volatile storage of computer-executable instructions, data structures, program modules and other data.

The exemplary environment described herein illustrates a hard disk 15, magnetic disk 16 and optical disk 17, but may also include magnetic cassettes, flash memory cards, DVDs, Bernoulli cartridges, RAMs Other types of computer readable media for storing data, including ROM, ROM, etc., may be used.

Includes one or more program modules including an operating system 13b, one or more application programs 13c, other program modules 13d, and program data 13c that are loaded and executed by the processing unit 11 The program code means may be stored in the hard disk 15, the magnetic disk 16, the optical disk 17, the ROM 12a or the RAM 12b.

In addition, the computing system may receive commands and information from a user through other input devices 22 such as a keyboard, a pointing device, a microphone, a joystick, a game pad, a scanner, These input devices 22 may be connected to the processing unit 11 via an input / output interface 24 connected to the system bus 10.

The input / output interface 24 may be, for example, a serial interface such as a serial port interface, a PS / 2 interface, a parallel port interface, a USB interface, an Institute of Electrical and Electronics Engineers (IEEE) 1394 interface (i.e., FireWire interface) Any of a variety of different interfaces can be represented logically, or even combinations of different interfaces can be represented logically.

In addition, the computing system to which the present invention is applied may further include a display device 26 such as a monitor or LCD or an audio device 27 such as a speaker or microphone, which may be connected via a video / audio interface 25 And is connected to the system bus 10.

The video / audio interface unit 25 is a general configuration including a High Definition Multimedia Interface (HDMI) and a Graphics Device Interface (GDI), and may be omitted in implementing a server.

Further, the computing system embodying the invention is connectable to a network such as, for example, an office-wide or enterprise-wide computer network, a home network, an intranet, and / or the Internet. The computer system may exchange data with external sources such as, for example, a remote computer system, a remote application, and / or a remote database.

To this end, a computing system to which the present invention is applied includes a network interface 27 for receiving data from an external source and / or for transmitting data to an external source.

In an embodiment of the present invention, the insurance platform providing server 300 configured with such a computing system can transmit and receive data to and from a user terminal and an insurance company server located at a remote location via the network interface 27. For example, it is possible to receive unstructured data via the network interface 27 and to transmit block data to each node server.

The network interface 27 may be represented by a logical combination of one or more software and / or hardware modules, such as, for example, a network interface card and a corresponding Network Driver Interface Specification ("NDIS") stack.

Likewise, the computer system receives data from an external source via the input / output interface 24 or transmits data to an external source. Output interface 24 may be coupled to a modem 23 (e.g., a standard modem, a cable modem, or a digital subscriber line (" DSL ") modem) Lt; / RTI > and / or transmit data to an external source.

Although FIG. 12 shows an operating environment suitable for the present invention, the principles of the present invention may be employed in any system that can implement the principles of the present invention, with appropriate modifications if necessary. The environment shown in Fig. 12 is merely illustrative and does not represent a small portion of a very diverse environment in which the principles of the present invention may be implemented.

In addition, the information related to the insurance platform providing method using the unstructured data of the present invention can be stored and accessed on any computer readable medium related to the computing system as shown in FIG.

As described above, the present invention can provide a variety of insurance products to users in connection with unstructured data such as SNS activity information according to an embodiment. In addition, by utilizing block chains, it is possible to increase the reliability of users by allowing users participating in the network to verify such unstructured data and registering only the blocks that have been verified in the chain. At this time, it is possible to provide incentives to individuals by using unstructured data considering individual activities.

In addition, since the contract information can be managed using the block chain, the insurance brokerage platform can not only merely compare the insurance but also can insure personal information, directly insure the insurance information, and manage insurance contents.

Therefore, it is possible to increase the convenience of insurance registration and management, and to manage contracts and insurance claims between a large number of insurers and a plurality of insurance contractors at home and abroad from the insurance providing platform at once.

As described above, the present specification contains details of a number of specific implementations, but they should not be construed as being limited to any inventions or the scope of what can be claimed, but rather should be construed as being limited to the specific embodiments of the specific invention But should be understood as an explanation of the features. Certain features described herein in the context of separate embodiments may be implemented in combination in a single embodiment.

Conversely, various features described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Further, although the features may operate in a particular combination and may be initially described as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, Or a variant of a subcombination.

Likewise, although the operations are depicted in the drawings in a particular order, it should be understood that such operations must be performed in that particular order or sequential order shown to achieve the desired result, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Also, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products It should be understood.

It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims. It will be possible. 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.

Claims (11)

A method for providing an insurance platform using atypical data,
Concluding an insurance contract using a block chain;
Obtaining unstructured data for a user who has signed the insurance contract;
Comparing the irregular data with data of another user to generate verification data; And
And recording the verification data in the block chain and determining an incentive for the insurance contract to which the user subscribes based on the verification data. The method of claim 1, wherein the atypical data
Wherein the information includes activity information on a user's social network service or activity information acquired through a wearable device. The method according to claim 1,
Wherein the collecting the atypical data comprises:
Collecting a photo or text uploaded by at least one user included in a team composed of a plurality of users,
Wherein the generating the verification data comprises:
Authenticating whether the motion is actually performed using the photo or text uploaded by the user, and generating verification data by referring to the big data corresponding to the motion. The insurance platform providing method according to claim 1, wherein the block chain records an insurance contract, an insurance premium calculation, an insurance claim, and a life course until the insurance premium is paid. The method according to claim 1,
Wherein the collecting the atypical data comprises:
Measuring a momentum of the user through the wearable device,
Wherein the generating the verification data comprises:
And generating verification data including at least one of the user's calorie consumption and health index based on the measured momentum and the basic data and / or the big data. The method according to claim 1,
The determined incentive may include,
A premium, a reward, a product, and a point for users utilizing the unstructured data. The method according to claim 1,
The insurance platform providing method includes:
And generating rankings among users by utilizing the verification data. A program for providing an insurance platform using unstructured data stored in a medium to execute the method of claim 1 in combination with a computer which is hardware. A system for providing an insurance platform using unstructured data,
A user terminal receiving unstructured data from a user and uploading the unstructured data to an insurance platform providing server;
An insurance platform providing server for generating verification data by comparing the atypical data with data of another user, generating block data based on the verification data, and managing the block data in a block chain; And
At least one insurance server that provides information about the insurance product the user has subscribed to, determines an incentive for the insurance contract the user subscribes to based on the verification data, and provides the determined incentive to the user of the insurance platform Insurance platform providing system. 10. The method of claim 9,
Wherein the insurance platform providing server reproduces the verification data into the form data based on the big data. 10. The method of claim 9,
Wherein the insurance platform providing server collects information on contracts and claims between the user and the insurance company, generates block data based on the collected information, and distributes and stores the block data to a plurality of node servers system.

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