KR20200088708A - Insurance recommendation system and operation method thereof - Google Patents

Abstract

The present invention relates to an insurance recommendation system and an operating method therefor. The operating method for the insurance recommendation system according to one embodiment includes the steps of: acquiring a genetic testing result and an interview-type medical examination result for at least one disease; calculating the disease risk of the at least one disease on the basis of the genetic testing result and the interview-type medical examination result; and recommending an insurance product on the basis of the disease risk of the at least one disease.

Description

INSURANCE RECOMMENDATION SYSTEM AND OPERATION METHOD THEREOF}

The present invention relates to an insurance recommendation system and a method for operating the same, and more particularly, to a system for recommending insurance based on a genetic test result and an examination result for a disease and a health condition, and a method for operating the same.

In order to prepare for future unpredictable risks of disasters or accidents, people who are at high risk for accidents of the same type make money in advance to form a common set of assets, and those who have suffered accidents get property benefits It is an economic system that receives

As society becomes more sophisticated and complex, the types of insurance products are also diversified to meet the demands of consumers against various risks and to create new profit models, and special insurance policies are also subdivided. As a result, customers are having trouble deciding on insurance products.

Moreover, it is very difficult for an individual to judge the current state of health and consider the possibility of developing a specific disease and select an appropriate insurance product. Therefore, in order to solve this problem, a service for recommending insurance products based on accurate information on behalf of a customer is required.

The present invention provides a system for recommending insurance and a method of operating the insurance based on the results of genetic tests and the results of questions about diseases and health conditions.

The operation method of the insurance recommendation system according to an embodiment may include obtaining a genetic test result and a questionnaire result for at least one disease, and a disease risk for the at least one disease based on the genetic test result and the questionnaire result It may include the step of calculating and recommending the insurance product based on the disease risk for the at least one disease.

According to an embodiment, the step of obtaining a genetic test result and a questionnaire result for the at least one disease may include: at least one SNP (Single Nucleotide Polymorphism) marker for determining an individual trait associated with each of the at least one disease. The method may include determining a type and obtaining a response to at least one questionnaire for determining a disease risk factor associated with each of the at least one disease.

According to one embodiment, the step of calculating a disease risk for the at least one disease based on the genetic test result and the questionnaire result is based on the type of the at least one SNP marker genetic test PAF (Population Attributable Fraction) ) And calculating genetic test scores, calculating disease factor PAFs and disease factor scores based on responses to the at least one questionnaire, and the genetic test PAFs, the genetic test scores, the disease factor PAFs and the disease And calculating a composite score for each of the at least one disease based on the factor score.

According to an embodiment, the step of recommending an insurance product based on a disease risk for the at least one disease may include determining a priority in the order of diseases having high disease risk, and diseases within a predetermined rank among the priorities. Selecting, searching for at least one or more insurance products related to the selected disease, analyzing the insurance history according to the searched insurance products, and insurance products capable of receiving the largest amount of insurance based on the analysis results It may include a step of recommending.

According to an embodiment, the method may further include periodically or aperiodically providing the genetic information related to the selected disease and the insurance product.

According to an embodiment, obtaining and analyzing the vulnerability of the suitability and coverage of the insurance policy currently in possession based on the step of obtaining information of the insurance policy currently in possession and the risk of disease for the at least one disease It may further include a step.

According to an embodiment, information exchange is performed by recruiting at least one user among users who have a high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. It may further include the step of forming an Internet community for and recommending the Internet community on the basis of the disease risk.

According to an embodiment, a certain number of users are recruited from at least one user among users who have a high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. If the above is gathered, it may further include the step of designing or searching for a group insurance type insurance product according to the recruited people, and recommending the insurance product.

The insurance recommendation system according to an embodiment acquires a genetic test result and a questionnaire result for at least one or more diseases by executing at least one memory and a program storing a program for insurance recommendation, and the genetic test result and It may include at least one processor that calculates a disease risk for the at least one disease based on the result of the questionnaire, and controls to recommend an insurance product based on the disease risk for the at least one disease.

According to an embodiment, the at least one processor may determine a type of at least one SNP (Single Nucleotide Polymorphism) marker that determines a personality trait associated with each of the at least one disease, and each of the at least one disease It may be controlled to obtain a response to at least one questionnaire for determining a related disease risk factor.

According to an embodiment, the at least one processor calculates a genetic test Population Attributable Fraction (PAF) and a genetic test score based on the type of the at least one SNP marker, and based on a response to the at least one questionnaire. The disease factor PAF and disease factor scores are calculated, and the genetic test PAF, the genetic test score, the disease factor PAF, and the disease factor score can be controlled to calculate a composite score for each of the at least one disease. have.

According to an embodiment, the at least one processor determines priority in the order of diseases having high disease risk, selects diseases within a predetermined rank among the priorities, and at least one insurance product related to the selected disease It can be controlled to search for, analyze the guarantee details according to the searched insurance product, and recommend the insurance product that can receive the largest amount of money based on the analysis result.

According to an embodiment, the at least one processor may control to provide the genetic information related to the selected disease and the insurance product periodically or aperiodically.

According to an embodiment, the at least one processor acquires information of an insurance product currently possessed, and based on a disease risk for the at least one disease, includes a description of suitability and coverage of the insurance policy currently held. Vulnerabilities can be analyzed and provided for control.

According to an embodiment, the at least one processor may include at least one of users who have a high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. It can be controlled to recruit users to form an internet community for information exchange, and to recommend the internet community based on the disease risk.

According to an embodiment, the at least one processor may include at least one of users who have a high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. When recruiting users, when a certain number of people or more are gathered, it is possible to control the recommendation of the insurance product by designing or searching the insurance product in the form of group insurance according to the recruited people.

The computer program product according to an embodiment may include a recording medium in which a program for executing an operation method of the insurance recommendation system is stored.

1 is a view for explaining an insurance recommendation system according to an embodiment.
2 is a flowchart illustrating an operation process of the insurance recommendation system according to an embodiment.
3 is a flowchart illustrating an operation method of the insurance recommendation system server according to an embodiment.
4 is a view for explaining the results of a questionnaire about diseases and health conditions according to an embodiment.
5 is a view for explaining a genetic test result according to an embodiment.
6 is a diagram for explaining a process of selecting an item for calculating a disease risk according to an embodiment.
7 is a view for explaining a process of calculating a composite score for calculating a disease risk according to an embodiment.
8 is a block diagram showing the configuration of an insurance recommendation system according to an embodiment.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. At this time, it should be noted that the same components in the accompanying drawings are indicated by the same reference numerals as possible. In addition, detailed descriptions of known functions and configurations that may obscure the subject matter of the present invention will be omitted.

Some embodiments of the invention may be represented by functional block configurations and various processing steps. Some or all of these functional blocks may be implemented with various numbers of hardware and/or software configurations that perform particular functions. For example, the functional blocks of the present invention may be implemented by one or more microprocessors, or by circuit configurations for a given function. Also, for example, the functional blocks of the present invention can be implemented in various programming or scripting languages. The functional blocks can be implemented with algorithms running on one or more processors. In addition, the present invention may employ conventional techniques for electronic environment setting, signal processing, and/or data processing.

In addition, terms such as “... unit” and “module” described in the present specification mean a unit that processes at least one function or operation, which may be implemented in hardware or software, or a combination of hardware and software. have. "Parts" and "modules" are stored in an addressable storage medium and may be implemented by a program that can be executed by a processor.

For example, “sub”, “module” means components such as software components, object-oriented software components, class components and task components, and processes, functions, attributes, and pros. It can be implemented by procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays and variables.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "indirectly connected" with a device in between. Throughout the specification, when a part “includes” a certain component, it means that the component may further include other components, not to exclude other components, unless otherwise stated.

In addition, the connection lines or connection members between the components shown in the drawings are merely illustrative of functional connections and/or physical or circuit connections. In an actual device, connections between components may be represented by various functional connections, physical connections, or circuit connections that are replaceable or added.

The terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present invention, terms such as “include” or “have” are intended to indicate that there are features, numbers, steps, operations, components, parts, or combinations thereof described in the specification, and one or more other features. It should be understood that the existence or addition possibilities of fields or numbers, steps, operations, components, parts or combinations thereof are not excluded in advance. That is, in the present invention, description of “including” a specific configuration does not exclude a configuration other than the corresponding configuration, and means that an additional configuration may be included in the scope of the present invention or the technical spirit of the present invention.

Some of the components of the present invention are not essential components for performing essential functions in the present invention, but may be optional components for improving performance. The present invention can be implemented by including only components necessary for realizing the essence of the present invention, except components used for performance improvement, and structures including only essential components excluding optional components used for performance improvement. Also included in the scope of the present invention.

1 is a view for explaining an insurance recommendation system according to an embodiment.

Referring to FIG. 1, the insurance recommendation system according to an embodiment may operate by including a terminal 10,…,N, an insurance recommendation system server 20, a database server 30, and a network 40. have.

The terminals 10, ..., N may include all devices that can access the network 40. For example, the terminals 10, ..., N may include smartphones, tablets, PCs, notebooks, home appliance devices, medical devices, cameras, and wearable devices. In one embodiment, the terminals 10, ..., N may be provided with insurance recommendations from the insurance recommendation system server 20.

In one embodiment, the terminal 10, ..., N may display a question related to the disease, and may perform a disease-related questionnaire by receiving a response to the question through a user input from a user. In addition, the terminals 10, ..., N may transmit the results of these questions to the insurance recommendation system server 20 and/or the database server 30 through the network 40.

The insurance recommendation system server 20 provides computing resources and storage resources for recommending insurance products to clients through the network 40. Here, the client may include a terminal (10, ..., N). In one embodiment, the insurance recommendation system server 20 may include various types of servers, such as an application server, a control server, a data storage server, and a server for providing a specific function. Further, the insurance recommendation system server 20 may process a process alone, or a plurality of servers may process the process together.

In one embodiment, the insurance recommendation system server 20 obtains a genetic test result and a questionnaire result, calculates a disease risk based on the genetic test result and a questionnaire result, and recommends insurance products based on the disease risk for the disease can do.

The database server 30 stores data necessary for the insurance recommendation system. In one embodiment, the database server 30 may be part of the insurance recommendation system server 20, and may be operated separately from the insurance recommendation system server 20 shown in FIG. In one embodiment, the database server 30 may store information such as genetic test results for each customer and questionnaire results. Since this information is very sensitive personal information, it can be stored in the security-enhanced database server 30 separately from the insurance recommendation system server 20. The information stored in the database server 30 can be used by the insurance recommendation system server 20 when necessary, and used in the insurance product recommendation process.

The network 40 includes terminals 10,…,N, such as the Internet, intranet, extranet, LAN (Local Area Network), MAN (Metropolitan Area Network), and WAN (Wide Area Network). , All networks that the insurance recommendation system server 20 and the database server 30 can access.

2 is a flowchart illustrating an operation process of the insurance recommendation system according to an embodiment.

Referring to FIG. 2, first, in step 210, the insurance recommendation system server 20 receives a questionnaire result from the terminal 10, and in step 220, a genetic test result from the database server 30. That is, in one embodiment, the insurance recommendation system server 20 may obtain a genetic test result and a questionnaire result for at least one disease through steps 210 and 220.

Steps 210 and 220 may be performed sequentially or simultaneously. Also, step 220 may be performed first.

Furthermore, in FIG. 2, although the results of the questionnaire are received from the terminal 10 and the genetic test results are received from the database server 30, the present invention is not limited thereto, and the results of the questionnaire are already stored in the database server 30. It is possible that the insurance recommendation system server 20 receives both the questionnaire result and the genetic test result from the database server 30. In addition, although not shown in FIG. 2, it is also possible to directly receive the genetic test result from the genetic test result analysis device or the genetic test result analysis server.

Thereafter, in step 230, the insurance recommendation system server 20 may calculate the disease risk for the disease based on the genetic test result and the questionnaire result. When the insurance recommendation system server 20 receives the genetic test result and the questionnaire result related to one or more diseases in steps 210 and 220, the insurance recommendation system server 20 calculates a disease risk for at least one disease. Can. In one embodiment, the insurance recommendation system server 20 may calculate a score based on an electronic test result and a questionnaire result, and determine a disease risk based on the calculated score. A more detailed method of calculating disease risk will be described in detail below.

In step 240, the insurance recommendation system server 20 may recommend insurance products based on the disease risk. When the insurance recommendation system server 20 calculates a disease risk for at least one disease in step 230, the insurance recommendation system server 20 may recommend an insurance product based on the disease risk for at least one disease. have. A more specific insurance product recommendation method will be described in detail below.

Thereafter, in step 250, the insurance recommendation system server 20 transmits the recommended insurance product information 250 to the terminal 10.

According to one embodiment, by recommending insurance based on examination results and medical results for diseases and health conditions, a more suitable insurance product may be recommended to a customer.

3 is a flowchart illustrating an operation method of the insurance recommendation system server according to an embodiment.

First, in step 310, the insurance recommendation system server 20 may obtain a genetic test result and a questionnaire result for at least one or more diseases. In one embodiment, the insurance recommendation system server 20 may receive a genetic test result and a questionnaire result from the terminal 10 and/or the database server 30. For example, the terminal 10 displays a question related to a disease and receives a response to a question through a user input from a user, performs a question related to a disease and sends the result to the insurance recommendation system server 20 Can transmit. In addition, it is also possible for the insurance recommendation system server 20 to directly receive the genetic test result from the genetic test result analysis device or the genetic test result analysis server.

In one embodiment, the insurance recommendation system server 20 may determine the type of at least one SNP (Single Nucleotide Polymorphism) marker that determines an individual's trait associated with each of the at least one disease. More specifically, the insurance recommendation system server 20 may determine the type of genetic marker (SNP marker) that determines an individual's trait related to each disease obtained through genetic testing, and determine the risk of invention of a specific disease. have. For example, an individual's trait that affects the risk of developing cardiovascular disease may be cholesterol levels in the blood. One of the genes involved in determining cholesterol levels in the blood is CETP (Cholesteryl Ester Transfer Protein). Therefore, the rs3764261 locus of the CETP gene is used as a genetic marker, and it is possible to determine the risk of developing a disease, that is, cardiovascular disease, by discriminating it. In more detail, the genotype of the rs3764261 locus of the CETP gene may be TT, TG, or GG, and the ability to regulate cholesterol concentration in blood decreases in the order of genotype TT, TG, GG. Therefore, as a result of genetic testing for a specific individual, if the genotype of the rs3764261 locus of the CETP gene is GG, it may be determined that the risk of cardiovascular disease is high. The trait of an individual affecting the risk of developing a disease may be plural, and the gene involved in the determination of the individual trait may be plural. .

In addition, in one embodiment, the insurance recommendation system server 20 may obtain a response to at least one questionnaire for determining a disease risk factor associated with each of the at least one disease. For example, the questionnaire items include family history of disease, previous medical history, current nutritional status, physical condition (weight, blood pressure, etc.), physical activity (with or without exercise), and lifestyle (such as smoking/drinking). Content may be included to determine the risk factors for the disease.

Thereafter, in step 320, the insurance recommendation system server 20 may calculate a disease risk for at least one or more diseases based on a genetic test result and a questionnaire result. In one embodiment, the insurance recommendation system server 20 calculates genetic testing population attributable fraction (PAF) and genetic testing scores based on the type of at least one SNP marker, and disease based on responses to at least one questionnaire. The factor PAF and disease factor scores are calculated, and a composite score for each of the at least one disease may be calculated based on the genetic test PAF, genetic test score, disease factor PAF, and disease factor score. A more specific method for calculating the overall score will be described in detail below.

In step 330, the insurance recommendation system server 20 may recommend the insurance product based on the disease risk for at least one disease. In one embodiment, the insurance recommendation system server 20 prioritizes the diseases in the order of the highest disease risk, selects diseases within a predetermined rank among priorities, searches for at least one insurance product related to the selected disease, , Analyzing the insurance details according to the searched insurance product, and recommending the insurance product that can receive the largest amount of money based on the analysis results.

For example, the insurance recommendation system server 20 automatically selects a predetermined number of diseases (such as the top 3 to 5) in the order of diseases with high disease risk, or the priority determined based on the disease risk to the terminal 10 A list is provided and a predetermined number of diseases can be selected based on a user's request. Subsequently, the insurance recommendation system server 20 may search for at least one insurance product related to the selected disease, and recommend the insurance product having the largest amount of insurance based on the insurance history of the searched insurance product.

In addition, the insurance recommendation system server 20 periodically provides genetic information related to the selected disease, the insurance product, or when necessary information, a special price product, or a new insurance product is released, provides information periodically as needed. You may.

In one embodiment, the insurance recommendation system server 20 periodically or aperiodically provides insurance information (courier products, new insurance products, etc.) for a disease of interest additionally selected by the user in addition to the disease selected based on the disease risk in step 330. It can be implemented to provide.

In addition, according to one embodiment, by recommending insurance based on examination results and medical examination results for diseases and health conditions, it is possible to recommend more suitable insurance products to customers.

Additionally, in one embodiment, the insurance recommendation system server 20 obtains information of the insurance product currently held by the user, and based on the disease risk for at least one disease, the suitability of the insurance product currently held and It can analyze and provide the vulnerability of guarantee details. The insurance recommendation system server 20 may receive the information of the insurance product currently held by the user through the terminal 10, and the user corresponding to the corresponding user information from each insurance company using the user information is held by the user You can also collect insurance product information. The insurance recommendation system server 20 analyzes the insurance product currently possessed by the user based on the disease risk calculated in step 320, analyzes whether the insurance product is suitable for the user, and analyzes the vulnerability of the guarantee information to the terminal 10 ) To the user.

According to an embodiment, it is possible to recommend an insurance product that can guarantee a vulnerable part by providing the customer with the suitability of the insurance product currently held.

Additionally, in one embodiment, the insurance recommendation system server 20 may exclude or add a special offer for an insurance product currently in possession based on the monitoring result of the customer's health condition or physical condition, or guarantee a weak portion You can recommend an insurance product. For example, the insurance recommendation system server 20 provides an additional questionnaire to the terminal 10 based on the result of the questionnaire received or the physical condition (exercise history, etc.) collected using a wearable device interworking with the terminal 10. You can update your disease risk, exclude special offers for lower-risk diseases, add special drugs for higher-risk diseases, or recommend new insurance products with higher coverage.

In addition, in one embodiment, the insurance recommendation system server 20 recruits users who have a high risk of a specific disease, users who are interested in a specific disease, users who are interested in insurance products related to a specific disease, and the like. It is possible to form an internet community for information exchange and recommend the internet community based on the risk of disease. That is, the insurance recommendation system server 20 provides a platform for sharing information to people who have a common interest in a specific disease, and can recommend the platform to customers. In addition, the insurance recommendation system server 20 may analyze information shared in the Internet community and use it for insurance recommendation.

According to one embodiment, by forming and recommending an Internet community having a common interest, it is possible to provide customers with a space to share information, and insurance companies collect information shared in these spaces to meet customer needs. Identify and develop and launch new insurance products.

Furthermore, in one embodiment, the insurance recommendation system server 20 recruits users who have a high risk of a specific disease, users who are interested in a specific disease, users who are interested in insurance products related to a specific disease, and the like. When more than a certain number of people are gathered, it is possible to design or search a group insurance type insurance product according to the recruited people and recommend the insurance product. Group insurance is an insurance product that can reduce costs by supplying a large amount of insurance products that meet the characteristics to customers with common characteristics (for example, those who are interested in diabetes). According to an embodiment, a new profit model may be generated by setting a common characteristic as'a specific disease', and providing a group insurance product for the disease to recruited people with a specific disease as a common interest, Customers can also purchase insurance products at a lower cost.

4 is a view for explaining the results of a questionnaire according to an embodiment.

Referring to FIG. 4, Category represents a survey item, Risk factor is a risk factor, value is a result value, RR (Relative risk) is a relative risk, and Prevalence is a prevalence. RR may be replaced by OR (Odds ratio), HR (Hazard ratio).

The terminal 10 may perform a questionnaire related to the disease by displaying a question related to the disease and receiving a response to the question through a user input from the user. For example, the terminal 10 may output a man or woman with a question of'gender?' and a multiple choice view for it, and a user may select an answer corresponding to himself during the multiple choice view. In addition, for example, in relation to smoking, the terminal 10 may ask,'How many packs of cigarettes do you smoke per year?' It can output less than G, more than 40 values, etc., and the user can select an answer corresponding to himself among multiple choice views. As another example, the terminal 10 may output a salty or spicy, spicy, spicy, etc. questions with the question'What is your eating habit?' and a multiple choice view about it, regarding the lifestyle You can choose the answer that corresponds to you during the view

Furthermore, the terminal 10 may receive a subjective response rather than a multiple-choice response as needed. For example, the terminal 10 may output a question,'How many drinks per day?', and a user may input answers such as 1 or more drinks in a subjective response in relation to drinking. It might be.

The relative risk (RR, OR, HR) and prevalence for each response may be a value extracted from the paper or may be determined in advance as a statistically calculated value. For example, referring to FIG. 4, in men, the relative risk (RR) may be determined to be 1.79 and the prevalence to be 0.47. In addition, when smoking more than 40 packs of cigarettes per year, the relative risk (RR) may be determined to be 1.78 and the prevalence to 0.09.

The questionnaire result illustrated in FIG. 4 is only an example, and the survey item may be composed of various questions. In addition, the relative risk (RR) and the prevalence (Prevalence) of FIG. 4 are only examples, and are values that may vary depending on a target paper, a statistical writing method, and a target disease.

5 is a view for explaining a genetic test result according to an embodiment.

5, SNP (Single Nucleotide Polymorphism) is a single nucleic acid base polymorphism marker, value is a result value, RR (Relative risk) is a relative risk, Prevalence is a prevalence. RR may be replaced by OR (Odds ratio), HR (Hazard ratio).

The genetic test result analysis device or the genetic test result analysis server may perform a genetic test for each individual and measure a value for each genetic marker, that is, SNP marker. The relative risk (RR, OR, HR) and prevalence for each SNP marker may be a value extracted from the paper or may be determined in advance as a statistically calculated value. For example, referring to FIG. 5, when rs4072037 has Value A, the relative risk (RR) may be determined to be 1.33 and the prevalence to 0.84. In addition, when rs4578395 has Value C, the relative risk (RR) may be determined to be 1.19 and the prevalence to 0.092.

The genetic test results shown in FIG. 5 are only an example, and the relative risk (RR) and prevalence of FIG. 5 are values that may vary depending on the target paper, statistical preparation method, and target disease.

6 is a diagram for explaining a process of selecting an item for calculating a disease risk according to an embodiment.

Referring to FIG. 6, a check box is provided for each questionnaire result item and genetic test result item. In one embodiment, in order to calculate a disease risk associated with a specific disease, a check box of an item related to a corresponding disease may be selected from a result item of a questionnaire and a result of a genetic test. As described above, in the process of selecting a checkbox, when a specific disease is selected, a checkbox of an item related to the disease may be automatically selected and displayed, or an operator of the insurance recommendation system may directly select the checkbox. It is automatically selected and displayed, and it is also possible for the operator of the insurance recommendation system to additionally select a checkbox, or cancel the selected checkbox.

7 is a view for explaining a process of calculating a composite score for calculating a disease risk according to an embodiment.

In one embodiment, the insurance recommendation system server 20 calculates genetic testing population attributable fraction (PAF) and genetic testing scores based on the type of at least one SNP marker, and disease based on responses to at least one questionnaire. The factor PAF and disease factor scores are calculated, and a composite score for each of the at least one disease may be calculated based on the genetic test PAF, genetic test score, disease factor PAF, and disease factor score.

In one embodiment, the composite score may be calculated by Equation 1 below.

[수학식 1]Total score =

[Equation 1]

Here, PAF _env means disease factor PAF, Score _env means disease factor score, PAF _gen means genetic test PAF, Score _gen means genetic test score.

In addition, PAF (Population Attributable Fraction) can be calculated by the following [Equation 2].

[수학식 2]

[Equation 2]

Here, P _rf means the prevalence of the risk factor, and RR _rf means the relative risk (RR) of the risk factor. RR may be replaced by OR (Odds ratio), HR (Hazard ratio). Also, when there are two or more items, Combined PAF can be calculated.

In addition, the score, for example, the disease factor score (Score _env ) and the genetic test score (Score _gen ) can be expressed as a percentage within the joint distribution of the relative risk (RR) (Monte-Carlo). simulation). At this time, when there are two or more items, the linear combination of risk can be calculated by the following [Equation 3].

[수학식 3]linear combination of risks =

[Equation 3]

Here, RR _rf means a relative risk (RR, OR, HR) of a risk factor.

Referring to Figures 4 to 7, the overall score is calculated as follows.

The total score calculated through this process is the same as the total score in FIG. 7.

8 is a block diagram showing the configuration of an insurance recommendation system according to an embodiment.

8, the insurance recommendation system according to an embodiment may include a communication unit 810, a memory 820, and a processor 830. However, the components of the insurance recommendation system are not limited to the above-described examples. For example, the insurance recommendation system may include more or fewer components than the components described above. In addition, the communication unit 810, the memory 820, and the processor 830 may be implemented in the form of a single chip (Chip).

The communication unit 810 may transmit and receive signals to and from external devices. Signals to and from external devices may include control information and data. At this time, the external device may include a terminal, a database server, and the like. The communication unit 810 may include both wired and wireless communication units. Also, the communication unit 810 may receive a signal through a wired/wireless channel, output the signal to the processor 830, and transmit a signal output from the processor 830 through a wired/wireless channel.

The memory 820 may store programs and data necessary for the operation of the insurance recommendation system. In one embodiment, the memory 820 may store control information or data included in signals transmitted and received by the insurance recommendation system. The memory 820 may be configured as a storage medium such as a ROM, a RAM, a hard disk, a CD-ROM, and a DVD, or a combination of storage media. In addition, the memory 820 may be a plurality. According to an embodiment, the memory 820 may store a program for performing an operation for the insurance recommendation system, which is the above-described embodiments of the present invention.

The processor 830 may control a series of processes in which the insurance recommendation system operates according to the above-described embodiment of the present invention. For example, the components of the insurance recommendation system may be controlled to perform the operation of the insurance recommendation system according to an embodiment. There may be a plurality of processors 830, and the processor 830 may perform the operation of the insurance recommendation system by executing a program stored in the memory 820.

In one embodiment, the processor 830 acquires a genetic test result and a questionnaire result for at least one disease, and calculates a disease risk for the at least one disease based on the genetic test result and the questionnaire result, It may be controlled to recommend insurance products based on the disease risk for the at least one disease.

According to an embodiment, the at least one processor may determine a type of at least one SNP (Single Nucleotide Polymorphism) marker that determines a personality trait associated with each of the at least one disease, and each of the at least one disease It may be controlled to obtain a response to at least one questionnaire for determining a related disease risk factor. More specifically, the at least one processor calculates a genetic test population attributable fraction (PAF) and a genetic test score based on the type of the at least one SNP marker, and a disease based on a response to the at least one questionnaire. Factor PAF and disease factor scores may be calculated, and the overall score for each of the at least one disease may be controlled based on the genetic test PAF, the genetic test score, the disease factor PAF, and the disease factor score.

According to an embodiment, the at least one processor determines priority in the order of diseases having high disease risk, selects diseases within a predetermined rank among the priorities, and at least one insurance product related to the selected disease It can be controlled to search for, analyze the guarantee details according to the searched insurance product, and recommend the insurance product that can receive the largest amount of money based on the analysis result. Further, the at least one processor may control to provide the genetic information related to the selected disease and the insurance product periodically or aperiodically.

According to an embodiment, the at least one processor acquires information of an insurance product currently possessed, and based on a disease risk for the at least one disease, includes a description of suitability and coverage of the insurance policy currently held. Vulnerabilities can be analyzed and provided for control.

According to an embodiment, the at least one processor may include at least one of users who have a high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. It can be controlled to recruit users to form an internet community for information exchange, and to recommend the internet community based on the disease risk.

According to an embodiment, the at least one processor may include at least one of users who have a high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. When recruiting users, when a certain number of people or more are gathered, it is possible to control the recommendation of the insurance product by designing or searching the insurance product in the form of group insurance according to the recruited people.

Meanwhile, the above-described embodiment can be implemented in a program that can be executed in a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable medium. In addition, the structure of the data used in the above-described embodiment can be recorded on a computer-readable medium through various means. Further, the above-described embodiment may be implemented in the form of a recording medium including instructions executable by a computer, such as program modules executed by a computer. For example, methods implemented in a software module or algorithm may be stored in a computer-readable recording medium as computer readable and executable codes or program instructions.

Computer-readable media can be any recording media that can be accessed by a computer, and can include volatile and nonvolatile media, removable and non-removable media. Computer-readable media includes, but is not limited to, magnetic storage media, eg, ROM, floppy disks, hard disks, and the like, optical storage media such as CD-ROMs, DVDs, and the like. . In addition, computer-readable media may include computer storage media and communication media.

Also, a plurality of computer readable recording media may be distributed over network coupled computer systems, and data stored in the distributed recording media, for example, program instructions and codes, may be executed by at least one computer. have.

The specific implementations described in the present invention are only exemplary, and do not limit the scope of the present invention in any way. For brevity of the specification, descriptions of conventional electronic configurations, control systems, software, and other functional aspects of the systems may be omitted.

10: terminal
20: Insurance recommendation system server
30: database server
810: communication department
820: memory
830: processor

Claims (17)

In the operation method of the insurance recommendation system,
Obtaining a genetic test result for at least one disease and a medical examination result for the disease and health condition;
Calculating a disease risk for the at least one disease based on the genetic test result and the questionnaire result; And
And recommending an insurance product based on a disease risk for the at least one disease.
According to claim 1,
The step of obtaining a genetic test result for the at least one disease and a medical examination result for the disease and health condition may include:
Determining a type of at least one SNP (Single Nucleotide Polymorphism) marker that determines an individual trait associated with each of the at least one disease; And
And obtaining a response to at least one questionnaire for determining a disease risk factor associated with each of the at least one disease.
According to claim 2,
The step of calculating a disease risk for the at least one or more diseases based on the result of the genetic test and the result of a questionnaire about the disease and health condition may include:
Calculating a genetic examination Population Attributable Fraction (PAF) and a genetic examination score based on the type of the at least one SNP marker;
Calculating disease factor PAF and disease factor scores based on responses to the at least one questionnaire; And
And calculating a composite score for each of the at least one disease based on the genetic test PAF, the genetic test score, the disease factor PAF, and the disease factor score.
According to claim 1,
The step of recommending an insurance product based on a disease risk for the at least one disease,
Determining priority in the order of diseases having high disease risk;
Selecting a disease within a predetermined rank among the priorities;
Searching for at least one insurance product related to the selected disease;
Analyzing guarantee details according to the retrieved insurance product; And
And recommending an insurance product capable of guaranteeing the largest amount of money based on the analysis result.
According to claim 4,
And providing the genetic information related to the selected disease and the insurance product periodically or aperiodically.
According to claim 1,
Obtaining information of an insurance product currently held; And
The method of operating the insurance recommendation system further comprising analyzing and providing the vulnerability of the insurance product and the suitability of the current insurance product based on the disease risk for the at least one disease.
According to claim 1,
Forming an Internet community for information exchange by recruiting at least one user among users who are at high risk of a specific disease, users interested in the specific disease, and users interested in insurance products related to the specific disease step; And
And recommending the Internet community based on the disease risk.
According to claim 1,
At least one user among users who are at high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease is recruited. The method of operating the insurance recommendation system further comprising the step of designing or retrieving the insurance product in the form of a group insurance according to the number of employees.
In the insurance recommendation system,
At least one memory storing a program for insurance recommendation; And
By executing the program, a genetic test result and a questionnaire result for at least one disease are obtained, a disease risk for the at least one disease is calculated based on the genetic test result and the questionnaire result, and the at least one or more diseases An insurance recommendation system, comprising at least one processor that controls to recommend insurance products based on disease risk for the disease.
The method of claim 9,
The at least one processor,
At least one questionnaire for determining a type of at least one SNP (Single Nucleotide Polymorphism) marker for determining an individual trait associated with each of the at least one disease, and for determining a disease risk factor associated with each of the at least one disease An insurance recommendation system that controls to obtain a response.
The method of claim 10,
The at least one processor,
Generating genetic genetic attributable fraction (PAF) and genetic examination scores based on the type of the at least one SNP marker, and calculating disease factor PAF and disease factor scores based on responses to the at least one questionnaire. An insurance recommendation system that controls to calculate a composite score for each of the at least one disease based on genetic testing PAF, the genetic testing score, the disease factor PAF, and the disease factor score.
The method of claim 9,
The at least one processor,
Priority is determined in the order of diseases with high disease risk, diseases within a predetermined rank are selected from among the priorities, at least one or more insurance products related to the selected disease are searched for, and coverage details according to the searched insurance products Analyzing, and controlling to recommend an insurance product that can guarantee the largest amount of money based on the analysis result, insurance recommendation system.
The method of claim 12,
The at least one processor,
Genetic information related to the selected disease, the insurance recommendation system for controlling to provide the insurance product periodically or aperiodically.
The method of claim 9,
The at least one processor,
An insurance recommendation system that controls to acquire information of an insurance policy currently in possession and analyze and provide vulnerability of the insurance policy and the suitability of the insurance policy currently possessed based on the disease risk for the at least one disease.
The method of claim 9,
The at least one processor,
Create an Internet community for information exchange by recruiting at least one user among users who are at high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease. , Control to recommend the Internet community based on the disease risk, insurance recommendation system.
The method of claim 9,
The at least one processor,
At least one user among users who are at high risk of a specific disease, users who are interested in the specific disease, and users who are interested in insurance products related to the specific disease is recruited. The insurance recommendation system is designed to control the recommendation of the insurance product by designing or searching for the insurance product in the form of group insurance according to the number of employees.
A computer program product comprising a recording medium storing a program for executing the method of operating the insurance recommendation system according to any one of claims 1 to 8.

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