KR20190088449A - Information sharing based insurance reverse auction system for big data analysis and method thereof - Google Patents

Abstract

Disclosed are an information sharing-based reverse insurance auction system for big data analysis and a method thereof. According to the present invention, an insurance buying function for one insurance product selected by a customer terminal among a plurality of insurance products collected from a plurality of insurance product selling terminals within a limited time based on customer information provided by a user for buying an insurance product, is performed, such that user-customized insurance information is provided to increase the satisfaction of the user and to improve the effectiveness of an insurance.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information sharing based insurance reverse auction system for large data analysis,

[0001] The present invention relates to an insurance reverse auction system for information analysis based on information sharing and a method thereof, and more particularly, Of the plurality of insurance product sales terminals, after inserting an insurance product function for one insurance product selected by the customer terminal among the insurance products of the plurality of insurance product sales terminals The present invention relates to an information sharing based insurance reverse auction system for big data analysis in which a predetermined fee is paid within a predetermined reading period and then a proposal for the awarded insurance product is provided.

2. Description of the Related Art Generally, a mobile terminal is a device that performs a Global Positioning System (GPS) function and a call function (or a call function) and provides a result of the operation to a user.

These mobile terminals are able to transmit and receive more information in a shorter time and have various functions, but there is a lack of UI (User Interface) for user-oriented convenience in accordance with these functions.

In addition, insurance products are sold at the request of the insurance planner, not the customer's request, while the insurance product changes such as the appearance of new insurance products and discontinuation of existing insurance products, Is not able to provide the desired optimal insurance product.

Korean Patent Laid-Open No. 10-2003-0016544 [Name: Insurance reverse auction method and system]

An object of the present invention is to provide a method for insuring an insurance product for an insurance product selected by a customer terminal from a plurality of insurance products collected from a plurality of insurance product sale terminals within a time limit based on customer information provided by a user The present invention is to provide an insurance reverse auction system based on information sharing for performing big data analysis and its method.

It is another object of the present invention to provide an insurance product sales terminal, which, when requesting to view a proposal content for an insurance product awarded by at least one insurance product sales terminal among a plurality of insurance product sales terminals, Providing contents of a proposal for an insurance product that has been preliminarily set for a predetermined period of time, and providing a proposal for an insurance product that is free of charge to an insurance product sales terminal participating in the insurance reverse auction Based insurance reverse auction system and its method.

An insurance reverse auction method for information analysis based on information sharing for analysis of big data according to an embodiment of the present invention is a method for insuring reverse auction based on information sharing for analysis of big data, Transmitting customer information transmitted from a customer terminal; Receiving, by the server, a plurality of insurance product information transmitted from each of the plurality of sales terminals in response to the transmitted customer information and identification information of the sales terminal; Transmitting, by the server, the received plurality of insurance product information to the customer terminal; Selecting, by the server, a specific sales terminal providing the specific insurance product information selected by the customer terminal from among the plurality of insurance product information as a winning bidder; Performing, by the server, an insurance inserting function for the specific insurance product information in cooperation with the customer terminal and the specific sales terminal selected as the winning bidder; Receiving, by the server, insurance product information browsing request information transmitted from another sales terminal among the plurality of sales terminals; And providing the specific insurance product information to the other sales terminal when the current date has passed the predetermined reading period by the server.

In one embodiment of the present invention, the step of transmitting the customer information may transmit the customer information to at least one sales terminal related to the customer information among a plurality of sales terminals registered in advance in the server.

In one embodiment of the present invention, the step of transmitting the customer information includes: a step of performing, by the server, a payment function for a preset cost according to an insurance quotation service in cooperation with a customer terminal that has transmitted the customer information; And transmitting, by the server, the customer information to the plurality of sales terminals when the cost settlement function is normally completed.

As an example related to the present invention, the step of receiving the plurality of insurance product information transmitted from each of the plurality of sales terminals and the identification information of the sales terminal may determine that only the insurance product information received within a predetermined time limit is valid have.

As an example related to the present invention, the insurance product information browse request information may be browse request information on insurance product information selected by the customer terminal from among the plurality of insurance product information.

As an example related to the present invention, the predetermined reading period may be within a predetermined date from a point of time when a specific sales terminal providing insurance product information with respect to the customer information is selected as a successful bidder.

As an example related to the present invention, when the current date is within the predetermined reading period, the server performs a payment function for other predetermined expenses for receiving specific insurance product information in cooperation with the other sales terminal ; And providing the specific insurance product information to the other sales terminal by the server when the other charge settlement function is normally completed.

In an insurance reverse auction system for information analysis based on information sharing for analysis of big data according to an embodiment of the present invention, A plurality of insurance terminals provided respectively; A server for receiving a plurality of insurance product information transmitted from the server in response to the customer information transmitted to the server and transmitting specific insurance product information selected from the received plurality of insurance product information and identification information of the customer terminal, ; And selecting a specific sale terminal provided with the specific insurance product information selected by the customer terminal from among the plurality of insurance product information as a successful bidder, and interlocking with the specific terminal selected by the customer terminal and the successful bidder, And the server performing the insurance function for the information.

As an example related to the present invention, the server may transmit the customer information to at least one sales terminal related to the customer information among a plurality of sales terminals registered in advance in the server.

As an example related to the present invention, the server performs a payment function for a predetermined cost according to an insurance quotation service in cooperation with a customer terminal that has transmitted the customer information, and when the cost payment function is normally completed, And transmitting the information to the plurality of sales terminals.

As an example related to the present invention, the server may determine that only insurance product information received within a predetermined time limit from among a plurality of insurance product information transmitted from each of the plurality of sales terminals with respect to the customer information is valid.

As an example related to the present invention, the server may receive insurance product information browsing request information transmitted from another sales terminal among the plurality of sales terminals, and when the present date has passed a predetermined viewing period, Information to the other sales terminal, and the other sales terminal can display the specific insurance product information provided from the server in response to the insurance product information browsing request information.

As an example related to the present invention, the server may receive insurance product information browsing request information transmitted from another sales terminal among the plurality of sales terminals, and when the present date is within a preset browsing period, And provides the specific insurance product information to the other sales terminal when the other charge settlement function is normally completed, and when the other charge settlement function is normally completed, The terminal may display the specific insurance product information provided from the server in response to the insurance product information browsing request information after performing the other charge settlement function.

According to the present invention, among the plurality of insurance products collected from a plurality of insurance product sales terminals within a limited time based on customer information provided by a user for insuring an insurance product, an insurance function for one insurance product selected by the customer terminal Thereby providing the customized insurance information for each user, thereby enhancing the satisfaction of the user and improving the effectiveness of the insurance.

In addition, the present invention provides a method for inspecting an offer of insurance products awarded by at least one insurance product sales terminal among a plurality of insurance product sale terminals, comprising the steps of: paying a predetermined fee within a preset viewing period; Providing the contents of the proposal for the insurance product and providing the contents of the proposal for the insurance product awarded free of charge to the insurance product sales terminal participating in the insurance reverse auction if the predetermined reading period has passed, So that the satisfaction of the user can be increased.

1 is a block diagram illustrating a configuration of an insurance reverse auction system based on information sharing for analysis of big data according to an embodiment of the present invention.
2 to 3 are flowcharts illustrating an insurance reverse auction method based on information sharing for analysis of big data according to an embodiment of the present invention.
4 is a diagram illustrating a screen of a customer terminal according to an embodiment of the present invention.

It is noted that the technical terms used in the present invention are used only to describe specific embodiments and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be construed in a sense generally understood by a person having ordinary skill in the art to which the present invention belongs, unless otherwise defined in the present invention, Should not be construed to mean, or be interpreted in an excessively reduced sense. In addition, when a technical term used in the present invention is an erroneous technical term that does not accurately express the concept of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art can be properly understood. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Furthermore, the singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. The term "comprising" or "comprising" or the like in the present invention should not be construed as necessarily including the various elements or steps described in the invention, Or may further include additional components or steps.

Furthermore, terms including ordinals such as first, second, etc. used in the present invention can be used to describe elements, but the elements should not be limited by terms. Terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

FIG. 1 is a block diagram showing the configuration of an insurance reverse auction system 10 for information sharing based on big data analysis according to an embodiment of the present invention.

As shown in FIG. 1, an insurance reverse auction system 10 based on information sharing for analysis of big data includes a customer terminal 100, a server 200, and a plurality of sales terminals 300. Not all of the components of the insurance reverse auction system 10 shown in Fig. 1 are essential components, and the insurance reverse auction system 10 may be implemented by more components than the components shown in Fig. 1, The insurance reverse auction system 10 may also be implemented by components.

The customer terminal 100 and / or the sales terminal 300 may be a smart phone, a portable terminal, a mobile terminal, a personal digital assistant (PDA), a personal handyphone system (PMP) A portable computer, a portable multimedia player, a telematics terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, a wearable device (Wibro) terminal, an IPTV (Internet Protocol Television) terminal, a smart TV, a mobile phone, a mobile phone, a mobile phone, An AV (Audio Video Navigation) terminal, an A / V (Audio / Video) system, a flexible terminal, and the like.

Also, the customer terminal 100 communicates with the server 200, the sales terminal 300, and the like.

In addition, the customer terminal 100 performs a membership registration procedure for the user of the customer terminal 100 to the server 200 by interlocking with the server 200. [

In addition, when performing the membership registration procedure, the customer terminal 100 must complete the authentication function through the authentication means (for example, a mobile phone, a credit card, an i-pin, The procedure can be completed normally.

In addition, the customer terminal 100 provides the server 200 with user information including date of birth, male / female information, telephone number, e-mail, password, name, address,

Also, the customer terminal 100 receives customer information according to user input. Here, the customer information includes at least one of sex, name, age, occupation, six digits before the resident number, telephone number, address, family history information, health information, Includes, for example, cancer insurance, medical room non-insurance, accident insurance, sickness insurance, child / maternity insurance, nursing insurance, auto insurance, driver insurance etc.).

Also, the customer terminal 100 transmits the received customer information, identification information of the customer terminal 100, and the like to the server 200. The identification information of the customer terminal 100 includes an MDN (Mobile Directory Number), a mobile IP, a mobile MAC, a SIM (subscriber identity module) card unique information, and a serial number.

In addition, the customer terminal 100 performs a payment function for a preset cost according to an insurance quotation service by interlocking with the server 200. [

Also, the customer terminal 100 receives a plurality of insurance product information transmitted from the server 200 in response to previously transmitted customer information, identification information of the customer terminal 100, and the like.

Also, the customer terminal 100 displays the received plurality of insurance product information.

When one (or at least one) insurance product information is selected from a plurality of insurance product information displayed on the customer terminal 100 according to user selection (or user touch / input), the customer terminal 100 Transmits the selected insurance product information (or the selected insurance product information), the identification information of the customer terminal 100, and the like to the server 200.

The customer terminal 100 may also store insurance product information (or the selected insurance product information) selected by the customer terminal 100 by interlocking with the server 200 and the sales terminal 300 selected as the winning bidder, And the insurance product corresponding to the insurance product corresponding to the insurance function.

Also, the customer terminal 100 receives a result of performing the insuring function provided from the server 200. [

Also, the customer terminal 100 stores and / or displays the result of performing the received insurance subscription function.

The server 200 communicates with the customer terminal 100, the sales terminal 300, and the like.

The server 200 may also be connected to the customer terminal 100 and / or the sales terminal 300 to register the user of the customer terminal 100 and / Perform the procedure.

In addition, the server 200 stores (or manages) a plurality of insurance product information related to the insurance product provided by each sales terminal 300 transmitted from each of the plurality of sales terminals 300.

Also, the server 200 receives customer information transmitted from the customer terminal 100, identification information of the customer terminal 100, and the like.

In addition, the server 200 transmits the customer information to a plurality of sales terminals 300 registered in advance in the server 200.

At this time, the server 200 performs a payment function for a predetermined cost according to the insurance quotation service by interlocking with the customer terminal 100, and when the cost payment function is normally performed, The customer information may be transmitted to a plurality of sales terminals 300 registered in advance.

The server 200 may also transmit the customer information to one or more sales terminals 300 related to the corresponding customer information based on the customer information among a plurality of sales terminals 300 previously registered in the server 200 have.

That is, the server 200 may include one or more sales terminals 300 according to the age, sex, occupation, type of insurance desired for insurance, etc. included in the customer information among a plurality of sales terminals 300 registered in advance in the server 200, (Or confirm / select) the data. In addition, the server 200 may transmit the customer information to the selected one or more sales terminals 300.

In addition, the server 200 receives one or more insurance product information (or a plurality of insurance product information) transmitted from each of the plurality of sales terminals 300 in response to the previously transmitted customer information, identification information of the sales terminal 300 Or collected).

Also, the server 200 transmits a plurality of insurance product information received (or collected) to the customer terminal 100.

At this time, the server 200 transmits a plurality of insurance products 300 transmitted from one or more sales terminals 300 within a predetermined time limit (for example, one hour) after transmitting the customer information to the plurality of sales terminals 300 (Or collects) the information, and excludes (or discards / deletes) the at least one insurance product information received after the time limit has elapsed.

That is, the server 200 determines (or judges / confirms) only the insurance product information that is received (or collected) within the time limit, and that the insurance product information received when the time limit has exceeded is valid .

Also, the server 200 receives the selected insurance product information (or the selected insurance product information) transmitted from the customer terminal 100, identification information of the customer terminal 100, and the like.

Also, the server 200 selects the sales terminal 300 providing the received insurance product information (or the selected insurance product information) as the successful bidder.

That is, the server 200 confirms the sales terminal 300 that transmitted the insurance product information selected by the customer terminal 100 from among a plurality of insurance product information received (or collected) with respect to the customer information , And selects the sales terminal 300 that has transmitted the insurance product information selected by the customer terminal 100 as a successful bidder (or a successful bidder).

Also, the server 200 transmits winning information to the sales terminal 300 selected as the winning bidder.

The server 200 may further include an insurance product information selecting unit (or the selected insurance product information) selected by the customer terminal 100 by interlocking with the customer terminal 100 and the sales terminal 300 selected as a successful bidder, And the insurance product corresponding to the insurance product corresponding to the insurance function.

In addition, the server 200 provides a result of performing the insuring function to the customer terminal 100, the sales terminal 300 selected as the winning bidder, and the like.

In addition, any one of the sales terminals 300 (excluding the sales terminal 300 selected as the winning bidder) that has transmitted (or proposed) the insurance product information to the server 200 in association with the customer information When the server 200 receives the insurance product information browsing request information transmitted from the server 300 (or at least one sales terminal 300), the server 200 transmits the current date (or current time / (Or identification / confirmation) whether or not the current date / time at the time of receiving the browse request information is within a preset browse period. At this time, the insurance product information inquiry request information may be inquiry request information on the insurance product information selected (or awarded) by the customer terminal 100 in the plurality of insurance product information. Here, the preset browse period may be within 30 days from the point of time (or the date of a successful bid) when the sales terminal 300 providing insurance product information is selected as a successful bidder in connection with the customer information.

If it is determined that the current date has passed the predetermined browse period, the server 200 determines whether or not the insurance product information (or the selected insurance product information) provided (or registered) by the sales terminal 300 selected as the winning bidder / Awarded insurance product information) to the sales terminal 300 that has transmitted the insurance product information reading request information for free.

As a result of the determination, if the current date is within the predetermined reading period, the server 200 interlocks with the sales terminal 300 that transmitted the insurance product information browsing request information, (Or registered) insurance product information provided by the sales terminal 300. [0064] At this time, the cost may be configured such that the initial cost set on the basis of the winning date decreases (or decreases) as the date approaches from the winning date to the end date of the reading period.

If the payment is normally performed, the server 200 transmits insurance product information (or the selected insurance product information / awarded insurance product information) provided (or registered) by the sales terminal 300 selected as the winning bidder, To the selling terminal 300 that has transmitted the insurance product information browsing request information.

In this way, at least one sales terminal 300 (at this time, excluding the sales terminal 300 that transmitted the selected insurance product information) that has transmitted each insurance product information to the server 200 with respect to the customer information If there is a sales terminal 300 that transmits the insurance product information browsing request information to the server 200 in order to confirm the selected insurance product information among the insurance product information browsing request information Is included in at least one sales terminal (300) which transmitted the insurance product information to the server (200) in association with the customer information.

As a result of the determination, when at least one sales terminal 300 transmits the insurance product information to the server 200 in response to the insurance product information browsing request information, The server 200 may provide the selected insurance product information to the sales terminal 300 that has transmitted the insurance product information browsing request information free or for a fee depending on whether it is within the preset reading period, The user of the sales terminal 300 (or the insurance planner) can confirm the selected insurance product information.

As a result of the determination, when at least one sales terminal 300 transmits the insurance product information to the server 200 in response to the insurance product information browsing request information, The server 200 does not provide the selected insurance product information to the corresponding sales terminal 300. In this case,

As described above, in the embodiment of the present invention, only the sales terminal 300 providing the insurance product information to the server 200 (or participating in the registered / reverse auction) The present invention is not limited to this. Even for the specific sales terminal 300 that has not provided the insurance product information to the server 200 in association with the customer information, And may provide the selected insurance product information to the specific sales terminal 300 only when payment is made in advance for another cost.

The sales terminal (or the insurance product sales terminal) 300 communicates with the customer terminal 100, the server 200, and the like.

In addition, the plurality of sales terminals 300 receive the customer information transmitted from the server 200, respectively.

Also, the sales terminal 300 confirms (or sets / selects) one or more insurance product information based on the received customer information from a plurality of insurance products stored in the sales terminal 300. Here, the insurance commodity information (or the insurance commodity set) includes insurance company, insurance commodity name, main commodity information, special drug information, diagnosis and payment information, guarantee information (including expiration date and payment period information, Designer information and the like. At this time, the responsible insurance agent information is information of the insurance agent who has the authority to manage the insurance product information, and includes the name of the insurance agent, the contact information of the insurance agent, and the unique registration number of the insurance agent.

Also, the sales terminal 300 transmits to the server 200 one or more of the confirmed (or set / selected) insurance product information, the identification information of the sales terminal 300, and the like.

A specific sales terminal (or a successful bidder sale terminal) 300 selected by the customer terminal 100 as a final successful bidder among the plurality of sales terminals 300 transmitting the insurance product information is transmitted from the server 200 And displays the received winning information.

The successful bidder sale terminal 300 is also connected to the customer terminal 100 and the server 200 so that the successful bidder sale terminal 300 can receive the insurance product information selected by the customer terminal 100 Perform insurance function for insurance products.

Also, the successful bidder sale terminal 300 receives the result of performing the insured submission function provided from the server 200. [

Also, the successful bidder's sales terminal 300 stores and / or displays the result of the received insurance-inserting function.

In addition, among the plurality of sales terminals 300 that have transmitted the insurance product information, at least one of the at least one sales terminal 300 that has not won a bid is sold to the winning bidder 300 ) To generate the insurance product information reading request information to confirm the selected insurance product information provided by the insurance company. At this time, the insurance product information inquiry request information may be inquiry request information on the insurance product information selected (or awarded) by the customer terminal 100 in the plurality of insurance product information.

In addition, the other specific sales terminal 300 transmits the generated insurance product information browsing request information to the server 200.

In addition, when the time point at which the insurance product information browsing request information is transmitted to the server 200 has passed the preset browse period, the other specific sale terminal 300 transmits insurance product information (Or the selected insurance product information / awarded insurance product information).

The other specific sales terminal 300 displays the received insurance product information (or the selected insurance product information / awarded insurance product information).

If the insurance agent information inquiry request information is transmitted to the server 200 within the predetermined reading period, the other specific sale terminal 300 is selected as the successful bidder by interlocking with the server 200 (Or registered) insurance product information provided by the sales terminal 300. [0064] At this time, the cost may be configured such that the initial cost set on the basis of the winning date decreases (or decreases) as the date approaches from the winning date to the end date of the reading period.

When the payment is normally performed, the other specific sales terminal 300 transmits the insurance product information transmitted from the server 200 (or the selected insurance product information / information) transmitted from the server 200 in response to the insurance product information browsing request information transmitted previously, Received insurance product information).

Also, the sales terminal 300 displays the received insurance product information (or the selected insurance product information / awarded insurance product information).

The customer terminal 100, the server 200 and the sales terminal 300 are connected to a communication unit (not shown), a storage unit (not shown), a display unit (not shown), an audio output unit (not shown) (Not shown), respectively.

The communication unit communicates with at least one external terminal or any internal component via a wired / wireless communication network. At this time, the external arbitrary terminal may include the customer terminal 100, the server 200, the sales terminal 300, and the like. Here, the wireless Internet technology includes a wireless LAN (WLAN), a digital living network alliance (DLNA), a wireless broadband (Wibro), a world interoperability for a microwave (WiMAX), a high speed downlink packet access ), HSUPA (High Speed Uplink Packet Access), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), Wireless Mobile Broadband Service (WMBS) And the communication unit transmits and receives data according to at least one wireless Internet technology in a range including internet technologies not listed above. In addition, the near field communication technology includes Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, Near Field Communication (NFC) , Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, and Wi-Fi Direct. The wired communication technology may include a power line communication (PLC), a USB communication, an Ethernet, a serial communication, an optical / coaxial cable, and the like.

In addition, the communication unit can transmit information to and from an arbitrary terminal through a universal serial bus (USB).

In addition, the communication unit may be a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, a mobile communication system, (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), LTE (Long Term Evolution), LTE-A (Long Term The server 200, the sales terminal 300, and the like on a mobile communication network constructed according to a mobile communication network (e.g.

The storage unit stores various user interfaces (UI), a graphical user interface (GUI), and the like.

The storage unit stores data and programs necessary for the customer terminal 100, the server 200, and the sales terminal 300 to operate.

That is, the storage unit may store a plurality of application programs (application programs or applications) driven by an external arbitrary terminal, data for operation of any external terminal, and commands. At least some of these applications may be downloaded from an external server via wireless communication. Also, at least some of these application programs may exist on any external terminal from the time of shipment for the basic functions (e.g., call incoming, outgoing, message reception, origination functions) of any external terminal have. Meanwhile, the application program may be stored in the storage unit, installed in an external arbitrary terminal, and may be driven to perform an operation (or a function) of the external arbitrary terminal by the control unit.

The storage unit may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory) A random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory -Only Memory). ≪ / RTI > In addition, the external arbitrary terminal may operate a web storage for performing a storage function of the storage unit on the Internet, or may operate in association with the web storage.

The display unit may display various contents such as various menu screens by using the user interface and / or graphical user interface stored in the storage unit under the control of the controller. Here, the content displayed on the display unit includes various text or image data (including various information data) and a menu screen including data such as an icon, a list menu, and a combo box. Also, the display unit 130 may be a touch screen.

The display unit may be a liquid crystal display (LCD), a thin film transistor liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display ), A three-dimensional display (3D display), an electronic ink display (e-ink display), and an LED (Light Emitting Diode).

Further, the display unit displays various information received through the communication unit under the control of the control unit.

The audio output unit outputs audio information included in the signal processed by the control unit. Here, the audio output unit may include a receiver, a speaker, a buzzer, and the like.

Further, the voice output unit outputs the guidance voice generated by the control unit.

The voice output unit outputs voice information corresponding to various information received by the control unit through the communication unit.

The control unit performs an overall control function of the external arbitrary terminal.

In addition, the control unit executes an overall control function of an external arbitrary terminal using the program and data stored in the storage unit. The control unit may include a RAM, a ROM, a CPU, a GPU, and a bus, and the RAM, the ROM, the CPU, and the GPU may be connected to each other via a bus. The CPU accesses the storage unit, performs booting using the O / S stored in the storage unit, and can perform various operations using various programs, contents, and data stored in the storage unit.

As described above, from among a plurality of insurance products collected from a plurality of insurance product sales terminals within a limited time based on the customer information provided by the user for insurance product subscription, the insurance function for one insurance product selected by the customer terminal Can be performed.

In this manner, when requesting the viewing of the proposal content for the insurance product awarded by at least one insurance product sales terminal among the plurality of insurance product sales terminals, if a predetermined fee is paid within the preset viewing period, The contents of the proposal for the insurance product can be provided to the insurance product sales terminal participating in the insurance reverse auction when the predetermined reading period has passed.

Hereinafter, an insurance reverse auction method based on information sharing for analysis of big data according to the present invention will be described in detail with reference to FIG. 1 to FIG.

2 to 3 are flowcharts illustrating an insurance reverse auction method based on information sharing for analysis of big data according to an embodiment of the present invention.

First, the customer terminal 100 receives customer information according to user input. Here, the customer information includes at least one of sex, name, age, occupation, six digits before the resident number, telephone number, address, family history information, health information, Includes, for example, cancer insurance, medical room non-insurance, accident insurance, sickness insurance, child / maternity insurance, nursing insurance, auto insurance, driver insurance etc.).

Also, the customer terminal 100 transmits the received customer information, identification information of the customer terminal 100, and the like to the server 200. Here, the identification information of the customer terminal 100 includes the MDN, the mobile IP, the mobile MAC, the unique information of the SIM card, and the serial number.

For example, the first customer terminal 100 may receive first customer information (e.g., a man, Hong Gil-dong, 40 years old, office worker, 780101, 010-1234-5678, Etc.).

In addition, the first client terminal transmits the received first client information, identification information of the first client terminal, and the like to the server 200 (S210).

Then, the server 200 receives customer information transmitted from the customer terminal 100, identification information of the customer terminal 100, and the like.

In addition, the server 200 transmits the customer information to a plurality of sales terminals 300 registered in advance in the server 200.

At this time, the server 200 performs a payment function for a predetermined cost according to the insurance quotation service by interlocking with the customer terminal 100, and when the cost payment function is normally performed, The customer information may be transmitted to a plurality of sales terminals 300 registered in advance.

The server 200 may also transmit the customer information to one or more sales terminals 300 related to the corresponding customer information based on the customer information among a plurality of sales terminals 300 previously registered in the server 200 have.

That is, the server 200 may include one or more sales terminals 300 according to the age, sex, occupation, type of insurance desired for insurance, etc. included in the customer information among a plurality of sales terminals 300 registered in advance in the server 200, (Or confirm / select) the customer information, and transmit the customer information to the selected one or more sales terminals 300.

For example, the server 200 receives the first customer information transmitted from the first client terminal, the identification information of the first client terminal, and the like.

Also, the server 200 may receive insurance premiums from a plurality of sales terminals 300 registered in advance in the server 200 based on the type of insurance desired (for example, cancer insurance) included in the first customer information The first sales terminal 300 to the tenth sales terminal 300 are selected and the first customer information is transmitted to the selected first to tenth sales terminals (S220).

Then, the plurality of sales terminals 300 receive the customer information transmitted from the server 200, respectively.

Also, the sales terminal 300 confirms (or sets / selects) one or more insurance product information based on the received customer information from a plurality of insurance products stored in the sales terminal 300. Here, the insurance commodity information (or the insurance commodity set) includes insurance company, insurance commodity name, main commodity information, special drug information, diagnosis and payment information, guarantee information (including expiration date and payment period information, Designer information and the like. At this time, the responsible insurance agent information is information of the insurance agent who has the authority to manage the insurance product information, and includes the name of the insurance agent, the contact information of the insurance agent, and the unique registration number of the insurance agent.

Also, the sales terminal 300 transmits to the server 200 one or more of the confirmed (or set / selected) insurance product information, the identification information of the sales terminal 300, and the like.

For example, the first sales terminal may receive the first customer information transmitted from the server 200, and may further include first insurance product information related to cancer insurance based on the received first customer information, And transmits the identification information and the like to the server 200.

Also, the second sales terminal may receive the first customer information transmitted from the server 200, and based on the received first customer information, the second insurance product information related to the cancer insurance, the third insurance product information, And transmits the identification information and the like of the second sales terminal to the server 200.

Also, the third sales terminal receives the first customer information transmitted from the server 200, and based on the received first customer information, the fourth insurance product information related to the cancer insurance, the fifth insurance product information, The sixth insurance product information, the identification information of the third sales terminal, and the like to the server 200.

In addition, the fourth sales terminal may receive the first customer information transmitted from the server 200, the seventh insurance product information related to the cancer insurance based on the received first customer information, Identification information and the like to the server 200 (S230).

The server 200 receives the insurance product information, the identification information of the sales terminal 300, and the like, which are respectively transmitted from the plurality of sales terminals 300 in response to the customer information transmitted in the previous step Or collected).

Also, the server 200 transmits a plurality of insurance product information received (or collected) to the customer terminal 100.

At this time, the server 200 transmits a plurality of insurance products 300 transmitted from one or more sales terminals 300 within a predetermined time limit (for example, one hour) after transmitting the customer information to the plurality of sales terminals 300 (Or collects) the information, and excludes (or discards / deletes) the at least one insurance product information received after the time limit has elapsed.

That is, the server 200 determines (or judges / confirms) only the insurance product information that is received (or collected) within the time limit, and that the insurance product information received when the time limit has exceeded is valid .

For example, the server 200 receives the first insurance product information transmitted from the first sales terminal, the identification information of the first sales terminal, and the like in response to the first customer information transmitted in advance, The second insurance product information, the third insurance product information, the identification information of the second sales terminal, and the like transmitted from the terminal, the fourth insurance product information transmitted from the third sales terminal, the fifth insurance product information, 6 insurance product information, identification information of the third sales terminal, etc., and receives the seventh insurance product information transmitted from the fourth sales terminal, the identification information of the fourth sales terminal, and the like. At this time, the server 200 transmits the first customer information to the first sales terminal or the tenth sales terminal, and then transmits the insurance product information to the server 200 through the server 200, 7 Exclude insurance product information.

Also, the server 200 stores the received first insurance product information to sixth insurance product information (for example, a state in which the seventh insurance product information received after the time limit is excluded) To the first client terminal that has transmitted the information (S240).

Then, the customer terminal 100 receives a plurality of insurance product information transmitted from the server 200 in response to the previously transmitted customer information, identification information of the customer terminal 100, and the like.

Also, the customer terminal 100 displays the received plurality of insurance product information.

For example, the first client terminal receives the first insurance product information to the sixth insurance product information transmitted from the server 200 in response to the first client information transmitted previously.

Also, as shown in FIG. 4, the first customer terminal displays the received first insurance product information to the sixth insurance product information 400 (S250).

When any one (or at least one) insurance product information is selected according to a user selection (or a user touch / input) among a plurality of insurance product information displayed on the customer terminal 100, the customer terminal 100 Transmits the selected insurance product information (or the selected insurance product information), the identification information of the customer terminal 100, and the like to the server 200.

For example, when the third insurance product information 410 is selected according to a user's selection from the first insurance product information to the sixth insurance product information 400 shown in FIG. 4, The third insurance product information, the identification information of the first client terminal, and the like to the server 200 (S260).

Then, the server 200 receives the selected insurance product information (or the selected insurance product information) transmitted from the customer terminal 100, the identification information of the customer terminal 100, and the like.

Also, the server 200 selects the sales terminal 300 providing the received insurance product information (or the selected insurance product information) as the successful bidder.

Also, the server 200 transmits winning information to the sales terminal 300 selected as the winning bidder.

The sales terminal 300 selected as the winning bidder receives the winning information transmitted from the server 200, and displays the received winning information.

For example, the server 200 receives the selected third insurance product information transmitted from the first client terminal, the identification information of the first client terminal, and the like.

In addition, the server 200 may identify the second sales terminal that transmitted the selected third insurance product information among the first insurance product information to the sixth insurance product, and may transmit the confirmed second sales terminal to the first customer (For example, the third insurance product information, the winning bidirection information of the third insurance product information, the winning bidirection information of the third insurance product information, and the winning bidder information of the third insurance product information) related to the first customer information to the second sales terminal selected as the winning bidder, First customer information, etc.).

In addition, the second sales terminal receives the winning information transmitted from the server 200, and displays the received winning information (S270).

Thereafter, the server 200 transmits the insurance product information (or the selected insurance product information) selected by the customer terminal 100 by interlocking with the customer terminal 100 and the sales terminal 300 selected as the winning bidder, And the insurance product corresponding to the insurance product corresponding to the insurance function.

In addition, the server 200 provides a result of performing the insuring function to the customer terminal 100, the sales terminal 300 selected as the winning bidder, and the like.

In addition, the sales terminal 300 selected by the customer terminal 100 and / or the successful bidder receives the result of performing the insured subscribe function provided from the server 200, / Or display.

For example, the server 200 may associate the third insurance product corresponding to the third insurance product information selected by the first customer terminal with the first customer terminal and the second sales terminal selected as the winning bidder And transmits the result of performing the insuring function for the third insurance product to the first customer terminal and the second sales terminal, respectively.

In addition, the first customer terminal and / or the second sales terminal may receive the result of performing the insuring function for the third insurance product transmitted from the server 200, And displays the result of performing the insuring function (S280).

Thereafter, any one of the plurality of sales terminals 300 (excluding the sales terminal 300 selected as the winning bidder) that has transmitted (or proposed) the insurance product information to the server 200 in association with the customer information When the server 200 receives the insurance product information browsing request information transmitted from the server 300 (or at least one sales terminal 300), the server 200 transmits the current date (or current time / (Or identification / confirmation) whether or not the current date / time at the time of receiving the browse request information is within a preset browse period. At this time, the insurance product information inquiry request information may be inquiry request information on the insurance product information selected (or awarded) by the customer terminal 100 in the plurality of insurance product information. Here, the preset browse period may be within 30 days from the point of time (or the date of a successful bid) when the sales terminal 300 providing insurance product information is selected as a successful bidder in connection with the customer information.

For example, when the server 200 receives the first insurance product information browsing request information transmitted from the third sales terminal, the server 200 determines whether the current date is a predetermined viewing period (for example, 30 days) (S290). ≪ / RTI >

If it is determined that the current date has passed the predetermined browse period, the server 200 determines whether or not the insurance product information (or the selected insurance product information) provided (or registered) by the sales terminal 300 selected as the winning bidder / Awarded insurance product information) to the sales terminal 300 that has transmitted the insurance product information reading request information for free.

For example, when it is determined that the current date has passed the browse period (for example, 30 days), the server 200 determines that the third insurance product information provided by the second sales terminal To the third sales terminal that has transmitted the first insurance product information browsing request information (S300).

Then, the sales terminal 300 receives insurance product information (or the selected insurance product information / awarded insurance product information) transmitted from the server 200 in response to the insurance product information browsing request information transmitted previously.

Also, the sales terminal 300 displays the received insurance product information (or the selected insurance product information / awarded insurance product information).

For example, the third sales terminal receives the third insurance product information provided free from the server 200 in response to the first insurance product information browsing request information transmitted previously, (S310).

As a result of the determination, if the current date is within the predetermined reading period, the server 200 interlocks with the sales terminal 300 that transmitted the insurance product information browsing request information, (Or registered) insurance product information provided by the sales terminal 300. [0064] At this time, the cost may be configured such that the initial cost set on the basis of the winning date decreases (or decreases) as the date approaches from the winning date to the end date of the reading period.

If the payment is normally performed, the server 200 transmits insurance product information (or the selected insurance product information / awarded insurance product information) provided (or registered) by the sales terminal 300 selected as the winning bidder, To the selling terminal 300 that has transmitted the insurance product information browsing request information.

For example, when the current date is within the viewing period (for example, 30 days) as a result of the determination, the server 200 transmits the first insurance product information browsing request information to the third sales terminal And performs a payment function for a first cost (for example, 10,000 won) for receiving third insurance product information provided by the second sales terminal selected as the winning bidder. At this time, the first cost may be set to decrease linearly / non-linearly from 30,000 KRW for the winning date to 1,000 KRW for the 30th day after the last date of the reading period.

Also, after the payment function for the first cost is normally completed, the server 200 transmits the first insurance product information browsing request information to the third insurance product information provided by the second sales terminal selected as the winning bidder To the third sales terminal (S320).

Then, the sales terminal 300 receives insurance product information (or the selected insurance product information / awarded insurance product information) transmitted from the server 200 in response to the insurance product information browsing request information transmitted previously.

Also, the sales terminal 300 displays the received insurance product information (or the selected insurance product information / awarded insurance product information).

For example, the third sales terminal receives the third insurance product information provided free from the server 200 in response to the first insurance product information browsing request information transmitted previously, (S330).

As described above, the embodiment of the present invention is characterized in that among a plurality of insurance products collected from a plurality of insurance product sales terminals within a time limit based on customer information provided by a user for insurance product subscription, The insurance of the insurance product of the insurance product is performed to provide customized insurance information for each user, thereby enhancing the satisfaction of the user and improving the effectiveness of the insurance.

In the embodiment of the present invention, as described above, when requesting the viewing of the proposal content for the insurance product awarded by at least one insurance product sales terminal among a plurality of insurance product sales terminals, Provides the contents of the proposal for the awarded insurance product after payment of the fee, and if the predetermined reading period has passed, provides the proposal for the awarded insurance product free of charge to the insurance product sales terminal participating in the insurance reverse auction Thus, it is possible to increase the satisfaction of the user by providing the optimal insurance product desired by the customer.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or essential characteristics thereof. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

According to the present invention, among the plurality of insurance products collected from a plurality of insurance product sales terminals within a limited time based on customer information provided by a user for insuring an insurance product, an insurance function for one insurance product selected by the customer terminal The present invention can be widely used in insurance service field, terminal field, server field, insurance marketing field, etc., by providing personalized insurance information for each user by enhancing the satisfaction of users and improving the effectiveness of insurance.

10: insurance reverse auction system 100: customer terminal
200: server 300: sales terminal

Claims (13)

In an information sharing based insurance reverse auction method for big data analysis,
Transmitting, by the server, customer information transmitted from a customer terminal to a plurality of sales terminals registered in advance in the server;
Receiving, by the server, a plurality of insurance product information transmitted from each of the plurality of sales terminals in response to the transmitted customer information and identification information of the sales terminal;
Transmitting, by the server, the received plurality of insurance product information to the customer terminal;
Selecting, by the server, a specific sales terminal providing the specific insurance product information selected by the customer terminal from among the plurality of insurance product information as a winning bidder;
Performing, by the server, an insurance inserting function for the specific insurance product information in cooperation with the customer terminal and the specific sales terminal selected as the winning bidder;
Receiving, by the server, insurance product information browsing request information transmitted from another sales terminal among the plurality of sales terminals; And
And providing the specific insurance product information to the other sales terminal when the current date is past the predetermined reading period by the server. The method according to claim 1,
Wherein the step of transmitting the customer information comprises:
Wherein the customer information is transmitted to at least one sales terminal related to the customer information among a plurality of sales terminals registered in advance in the server. The method according to claim 1,
Wherein the step of transmitting the customer information comprises:
Performing a payment function for a predetermined cost according to an insurance quotation service in cooperation with a customer terminal that has transmitted the customer information by the server; And
And transferring the customer information to the plurality of sales terminals by the server when the cost settlement function is normally completed. The method according to claim 1,
Wherein the step of receiving the plurality of insurance product information transmitted from each of the plurality of sales terminals and the identification information of the sales terminal comprises:
Wherein the information about insurance product received within a predetermined time limit is determined to be valid. The method according to claim 1,
The insurance product information browsing request information includes:
Wherein the request information is inquiry request information on insurance product information selected by the customer terminal from among the plurality of insurance product information. The method according to claim 1,
Wherein the predetermined viewing period comprises:
Wherein the insurance information is within a predetermined date from the time when a specific sales terminal providing insurance product information is selected as a successful bidder in connection with the customer information. The method according to claim 1,
Performing, by the server, a payment function for other predetermined costs for receiving specific insurance product information in cooperation with the other sales terminal when the current date is within the predetermined reading period; And
Further comprising providing the specific insurance product information to the other sales terminal by the server when the other charge settlement function is normally completed. . In an information sharing based insurance reverse auction system for big data analysis,
A plurality of insurance terminals each providing one or more insurance product information in response to customer information transmitted from a server;
A server for receiving a plurality of insurance product information transmitted from the server in response to the customer information transmitted to the server and transmitting specific insurance product information selected from the received plurality of insurance product information and identification information of the customer terminal, ; And
Selecting a specific sales terminal providing specific insurance product information selected by the customer terminal from among the plurality of insurance product information as a successful bidder and interlocking with the specific terminal selected by the customer terminal and the successful bidder, And the server performing the insuring function for the large data analysis. 9. The method of claim 8,
The server comprises:
Wherein the customer information is transmitted to at least one sales terminal related to the customer information among a plurality of sales terminals registered in advance in the server. 9. The method of claim 8,
The server comprises:
Performing a payment function for a preset cost according to an insurance quotation service in cooperation with a customer terminal that has transmitted the customer information, and transmitting the customer information to the plurality of sales terminals when the cost payment function is normally completed Wherein the insurance information is stored in the insurance information database. 9. The method of claim 8,
The server comprises:
Wherein the insurance information management unit determines that only insurance product information received within a predetermined time limit from among a plurality of insurance product information transmitted from the plurality of sales terminals in association with the customer information is valid. Reverse auction system. 9. The method of claim 8,
The server comprises:
The information providing system comprising: a receiving unit for receiving insurance product information browsing request information transmitted from another sales terminal among the plurality of sales terminals, providing the specific insurance product information to the other sales terminal when a current date is past a preset viewing period,
The other sales terminal,
And displays the specific insurance product information provided from the server in response to the insurance product information browsing request information. 9. The method of claim 8,
The server comprises:
Wherein the insurance information management server receives insurance product information browsing request information transmitted from another sales terminal among the plurality of sales terminals, and when the present date is within a predetermined reading period, The settlement function for the set other expenses and provides the specific insurance product information to the other sales terminal when the other cost settlement function is normally completed,
The other sales terminal,
And displays the specific insurance product information provided from the server in response to the insurance product information browsing request information after performing the other charge settlement function.

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