KR20200093229A - System, apparatus, and method for handling with insurance according to loss or repair of mobile - Google Patents

Abstract

The present invention relates to a system, a device, and a method for handling with insurance according to a loss or repair of a cellphone. According to the present invention, a control method performed by the system handling with insurance for a cellphone comprises the steps of: generating information on damage/repair of a cellphone according to the damage or repair of the cellphone, encrypting the generated information on the damage/repair of the cellphone using a previously registered encryption key, and controlling a block including the encrypted information on the repair of the cellphone to be generated and registered in blockchain by a service center device corresponding to a service center performing repair of the cellphone according to a request of a user of the cellphone; and extracting the information on the damage/repair of the cellphone included in the block of the blockchain by using a previously registered decryption key and handling with insurance for an insurance subscriber corresponding to the extracted information of the damage/repair of the cellphone by an insurance company device corresponding to an insurance company handling with the insurance related to the damage/repair. Therefore, user convenience related to insurance claims is maximized.

Description

System, device and method for insurance processing due to loss or repair of a terminal{SYSTEM, APPARATUS, AND METHOD FOR HANDLING WITH INSURANCE ACCORDING TO LOSS OR REPAIR OF MOBILE}

The present invention relates to a system, apparatus, and method for processing terminal insurance, and more particularly, a system, apparatus, and apparatus for performing insurance processing when a subscriber's communication terminal is lost, damaged, or repaired It's about how.

2. Description of the Related Art Recently, as expensive smartphones are widely used, users who are insured against loss, damage, and repairs are increasing.

For these insurances, insurance subscribers are required to pay an amount equivalent to 25% to 30% of their self-pay, for example, based on the shipping price of the communication terminal.

Customers are buying the above-mentioned insurance due to the cost of expensive mobile phones as well as expensive repair costs in case of breakdown, but there is a problem that the insurance claim process is complicated and takes a long time to be compensated after insurance claims. The insurance coverage rate is significantly lower.

For example, in the case of damage, the customer visits the mobile phone service center to repair the product, and then the customer receives a damage to the compensation center and sends the repair statement, receipt, insurance bill, and personal information processing agreement directly to the insurance company by fax. Ham is there.

To improve this problem, there have been suggested ways to simplify the insurance claim process, such as computerizing the insurance claim documents or taking a photo of the claim documents through the insurance claim app. It is causing dissatisfaction.

Registered Patent No. 10-1835209

The present invention has been devised to solve the above-described conventional problems, and its purpose is to ensure that insurance claims due to loss, damage, or repair of a communication terminal are registered and shared by each business entity, not a customer, to ensure insurance processing. It is to provide a system, apparatus and method.

In order to achieve the above object, the insurance processing system that performs insurance processing for the communication terminal according to the present invention corresponds to a service center that performs terminal repair at the request of a communication terminal user, and the terminal is damaged/repaired. Generates terminal damage/repair information, encrypts the generated terminal damage/repair information using a pre-registered encryption key, and then creates a block containing the encrypted terminal damage/repair information and registers it in the blockchain. A service center device for controlling; Corresponds to an insurance company that performs insurance processing related to damage/repair, extracts terminal damage/repair information included in the block of the blockchain using a pre-registered decryption key, and corresponds to the extracted terminal damage/repair information It comprises an insurer device that performs insurance processing for the insured subscriber.

In addition, in order to achieve the above object, the service center device included in the insurance processing system that performs insurance processing for the communication terminal according to the present invention, terminal damage/repair information when the communication terminal is damaged/repaired An information generating unit for generating a; An insurance registration confirmation unit for acquiring registration information of the communication terminal from the blockchain based on identification information of the damaged/repaired communication terminal and confirming whether the communication terminal has insurance related to damage/repair; As a result of checking the insurance registration confirmation unit, when the corresponding communication terminal is insured for damage/repair, the terminal damage/repair information generated by the information generating unit is encrypted using a pre-registered encryption key, and the encryption is performed. It consists of a block processing unit that controls the block containing the broken terminal repair/repair information to be created and registered on the blockchain.

In addition, in order to achieve the above object, the insurance company device included in the insurance processing system that performs insurance processing for the communication terminal according to the present invention includes: a registrant confirmation unit for checking registrant information in a block of a blockchain; An information extraction unit which selects a decryption key corresponding to the registrant information checked by the registrant identification unit and extracts terminal damage/repair information or lost information included in the corresponding block using the selected decryption key; It is configured to include an insurance processing unit that performs insurance processing for insurance subscribers corresponding to terminal damage/repair information or lost information extracted from the information extraction unit.

In addition, in order to achieve the above object, the mobile communication device included in the insurance processing system that performs insurance processing for the communication terminal according to the present invention, receives the loss when the terminal loss reception is received due to the loss of the communication terminal An information generating unit for generating terminal lost information according to; A lost authentication processing unit which performs a lost authentication process based on at least one of a location information history and a call history for a predetermined period of time for the lost communication terminal; When the lost authentication processing unit passes the lost authentication, the terminal lost information generated in the information generating unit is encrypted using a pre-registered encryption key, and then a block containing the encrypted terminal lost information is created and blocked. It comprises a blockchain processing unit that controls to be registered in the chain.

In addition, in order to achieve the above object, the control method performed by the insurance processing system that performs insurance processing for the communication terminal according to the present invention is a service corresponding to a service center that performs terminal repair at the request of a communication terminal user. A block including the encrypted terminal repair information after the center device generates the terminal damage/repair information according to the terminal damage or repair, and encrypts the generated terminal damage/repair information using a pre-registered encryption key. Controlling to be created and registered in the blockchain; The insurance company device corresponding to the insurance company that performs insurance processing related to damage/repair extracts terminal damage/repair information included in the block of the blockchain using a pre-registered decryption key, and extracts the extracted terminal damage/repair information. It comprises the step of performing insurance processing for the insurance subscriber corresponding to.

In addition, in order to achieve the above object, the control method of the service center device included in the insurance processing system that performs insurance processing for the communication terminal according to the present invention is damaged when the communication terminal is damaged/repaired. / Generating repair information; Encrypting the terminal damage/repair information generated in the step using a pre-registered encryption key, and controlling the block including the encrypted terminal damage/repair information to be generated and registered in the blockchain, wherein the In the step, the registration information of the communication terminal is obtained from the blockchain based on the identification information of the communication terminal requested for damage/repair, and it is checked whether the communication terminal has insurance related to damage/repair, and the result of the verification When the corresponding communication terminal is insured for damage/repair, it is configured to control so that information related to the damage/repair of the terminal is registered in the blockchain.

In addition, the control method of the insurance company device included in the insurance processing system that performs insurance processing for the communication terminal according to the present invention in order to achieve the above object is the terminal damage / repair information or lost information contained in the block of the blockchain Extracting using a pre-registered decryption key; And performing insurance processing for the insurance subscriber corresponding to the terminal damage/repair information or lost information extracted in the above step, and in the above step, extracting the registrant information from the block of the blockchain and extracting the extracted registrant information. A decryption key is selected on the basis, and it is made to extract terminal damage/repair information or terminal loss information from the block using the selected decryption key.

In addition, in order to achieve the above object, the control method of the mobile communication device included in the insurance processing system that performs insurance processing for the communication terminal according to the present invention is when a terminal loss reception is received due to the loss of the communication terminal. Generating terminal loss information according to the lost reception; After the terminal lost information generated in the above step is encrypted using a pre-registered encryption key, controlling the block containing the encrypted terminal lost information to be created and registered in the blockchain, and the lost communication received Further comprising the step of performing a lost authentication process based on at least one of location information history and call history for a predetermined period of time for the terminal, the step is performed when the lost authentication has passed.

As described above, according to the present invention, insurance claims due to loss, damage or repair of a communication terminal are registered and shared by each business entity (that is, a mobile communication company or a service center, etc.), not a customer, and insurance is processed. User convenience associated with billing is maximized.

In particular, by encrypting insurance claim information, lost information, damage information, repair information, etc., and storing them in a blockchain, trust-based data is shared among insurance companies, telecommunication companies, and service centers, and the risk of hacking can be reduced.

In other words, the risk of forgery/falsification of claim information can be reduced by storing the information related to insurance claims on the blockchain, and it is also possible to reduce the case in which the customer gives up after receiving the compensation by simplifying the loss/damage compensation process.

1 is a schematic configuration diagram of an insurance processing system according to an embodiment of the present invention,
2 is a functional block diagram of the service center device of FIG. 1,
3 is a functional block diagram of the mobile communication device of FIG. 1,
4 is a functional block diagram of the insurance company device of FIG. 1,
FIG. 5 is a view showing a state in which channels are divided between components of the insurance processing system of FIG. 1,
6 and 7 are control flowcharts of an insurance processing system according to an embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Hereinafter, each embodiment according to the present invention is only one example to help understanding of the present invention, and the present invention is not limited to these embodiments. In particular, the present invention may be composed of a combination of at least one or more of individual components, individual functions, or individual steps included in each embodiment.

In particular, for convenience, some claims in the claims include alphabets such as'(a)', but these alphabets do not define the order of each step.

In addition, each signal referred to in each embodiment according to the present invention may refer to one signal transmitted through one connection or the like, but may also mean a series of signal groups transmitted for the purpose of performing a specific function described later. . That is, in each embodiment, a plurality of signals transmitted at a predetermined time interval or transmitted after receiving a response signal from a counterpart device may be expressed as a single signal name for convenience.

The schematic configuration of the insurance processing system 1 according to an embodiment of the present invention is as shown in FIG. 1.

As shown in the figure, the insurance processing system 1 may include a service center device 100, a mobile communication company device 200, and an insurance company device 300.

Here, the service center device 100, the mobile communication company device 200, and the insurance company device 300 are all configured to share data on a blockchain basis.

That is, the service center device 100, the mobile communication company device 200, and the insurance company device 300 may create a block including predetermined information and register it in the blockchain, and also, information required in the block registered in the blockchain. You can also check by extracting. For example, the service center device 100, the mobile communication company device 200, and the insurance company device 300 may use a smart contract on the blockchain.

At this time, the service center device 100, the mobile communication company device 200, and the insurance company device 300 may each generate a block that encrypts information using a predetermined encryption key, and include it in a block using a predetermined decryption key. Decrypted information can be checked.

In this embodiment, the service center device 100, the mobile communication company device 200, and the insurance company device 300 each have a private key and a public key based on a certificate, and perform encryption processing as described above using their own private key. Then, using the public key of another device, it is assumed that the information contained in the block is decrypted.

Here, the block chain is one of the data forgery prevention technologies based on distributed computing technology, and refers to the data to be managed as a'block' and to allow each of these blocks to be stored in a distributed data storage environment while having a chain link. do.

Accordingly, no one can arbitrarily modify the blocks stored in the blockchain, and anyone can view the results of the changes.In each block, all the transactions that were propagated to users before the block was found are recorded and all devices are recorded. Since it is transmitted equally to devices (devices sharing data based on blockchain), it is advantageous in that it is not possible to arbitrarily modify or omit transaction details.

In other words, since each block has a link to the previous block, this set of blocks is called a blockchain, and it is almost impossible to tamper with the important contents of the intermediate block because many records are managed by just a bundle. It has advantages.

Descriptions of well-known technologies among the contents related to connection and block generation through such a blockchain will be omitted.

In particular, hereinafter, registering predetermined information on a blockchain means, of course, creating and registering a block that conforms to the corresponding blockchain standard.

The service center device 100 is a device corresponding to a service center that performs terminal repair at the request of a communication terminal user, generates terminal damage/repair information according to terminal damage/repair, and the generated damage/repair information is It performs the function to be registered in the blockchain. Here, the service center device 100 may be a device provided and operated in a service center, or an external server through which a service center employee accesses and inputs necessary information.

At this time, the service center device 100 controls the generated terminal damage/repair information to be encrypted and registered on the blockchain after a block containing the encrypted terminal damage/repair information is encrypted. can do.

An example of a functional block of the service center device 100 is illustrated in FIG. 2.

As shown in the figure, the service center device 100 includes a receiving unit 110, an information generating unit 120, an insurance registration confirmation unit 130, a blockchain processing unit 140, and a storage unit 150. Can be.

Here, the storage unit 150 stores information, data, and applications necessary for the operation of the service center device 100, and also stores information and data generated or received during operation of the service center device 100.

The receiving unit 110 performs a function of receiving a request for damage/repair of a communication terminal from a communication terminal user.

The information generating unit 120 performs a function of generating terminal damage/repair information when damage/repair processing is performed for the communication terminal.

For example, the information generation unit 120 may generate the degree of damage, repair details, and consent for processing personal information as damage/repair information.

The insurance registration confirmation unit 130 obtains the registration information of the corresponding communication terminal from the blockchain based on the identification information (for example, the device unique number) of the damaged/repaired communication terminal, so that the communication terminal is related to the damage/repair. It performs the function of checking whether or not you have insurance.

That is, since not all communication terminal owners are insured according to damage/repair, the insurance registration confirmation unit 130 checks whether or not each communication terminal is registered for insurance from the blockchain.

To this end, information on whether or not insurance is registered as well as basic information required for each communication terminal must be registered in the blockchain in advance, and creation and registration of such blocks can be performed by a mobile communication company.

The blockchain processing unit 140 is to perform a process of reading a predetermined block from the blockchain or allowing a block to be registered in the blockchain, and in particular, can control a block including terminal damage/repair information to be registered in the blockchain.

At this time, the blockchain processing unit 140, when the communication terminal is insured related to damage/repair, as a result of confirmation by the insurance registration confirmation unit 130, receives the terminal damage/repair information generated by the information generation unit 120. It can be encrypted using a pre-registered encryption key, and the block containing the encrypted terminal damage/repair information can be controlled to be generated and registered in the blockchain.

For example, when the service center device 100 acts as a node corresponding to a block generation subject in the blockchain, the blockchain processing unit 140 directly creates a block including the above-described terminal damage/repair information to block In order to be registered in the chain, or when the service center device 100 communicates with a separate block generation node, the block chain processing unit 140 transmits the above-described terminal damage/repair information to the corresponding block generation node to generate a block And to register on the blockchain.

The block processing unit 140 may include its own information in the block as'registrant information' in the process of creating a block and registering it in the block chain. That is, separate information about the subject who created the block is included.

On the other hand, the mobile communication device 200 is a device corresponding to a mobile communication company that performs terminal loss acceptance processing due to loss of the communication terminal, and generates terminal loss information according to terminal loss reception, and the generated lost information is a blockchain It performs the function to be registered in. Here, the mobile communication device 200 may be a device provided and operated by a mobile communication company, or an external server through which a mobile communication company employee accesses and inputs necessary information.

At this time, the mobile communication device 200 may control the generated terminal lost information by encrypting it using a pre-registered encryption key, and then creating a block containing the encrypted terminal damage/repair information and registering it in the blockchain. have.

An example of a functional block of the mobile communication device 200 is illustrated in FIG. 3.

As shown in the figure, the mobile communication company device 200 includes a receiving unit 210, an information generating unit 220, a lost authentication processing unit 230, a blockchain processing unit 240, a storage unit 250, and a subscription information registration unit ( 260), may include a communication fee processing unit 270.

Here, the storage unit 250 stores information, data, and applications necessary for the operation of the mobile communication company device 200, and also stores information and data generated or received during operation of the mobile communication company device 200.

The receiving unit 210 performs a function of receiving various requests from a communication terminal user (ie, a communication service subscriber) or receiving predetermined information input by the communication terminal user, for example, a communication company from a communication terminal operated by the user. It performs a function of receiving information created for requesting insurance payments, as well as various request signals for subscription, insurance subscription, signal for requesting communication terminal loss, and the like.

To this end, the receiving unit 210 may provide a predetermined information input or request page to the communication terminal, and accordingly, the communication terminal displays the information input or request page by a web method or an app method to allow the user to obtain necessary information. Although it is possible to input or request, the process of providing such an input page/request page and receiving predetermined information or a request from the user through the page itself corresponds to a known technology, and thus a detailed description thereof will be omitted.

The subscription information registration unit 260 is configured to register information on'breakage/repair insurance' or'terminal loss related insurance' for the communication terminal on the blockchain according to the insurance subscription request of the communication terminal user. It performs a function of controlling the blockchain processing unit 240, which will be described later.

In particular, the subscription information registration unit 260 determines whether the insurance related to the damage/repair of the communication terminal or the insurance related to the loss of the terminal is maintained based on at least one of whether the user of the communication terminal cancels the subscription to the carrier and whether or not the premium is paid. After determining (for example, on a monthly basis), the blockchain processing unit 240 may be controlled to control a block including the determination result to be generated and registered in the blockchain.

The communication fee processing unit 270 performs processing for charging a communication fee to the above-mentioned communication terminal user, that is, a subscriber who receives a communication service by subscribing to a communication company, and in the present invention, the communication fee processing unit 270 is a communication terminal user In addition to the conventional function of calculating the communication fee based on the communication plan to which the subscriber subscribes, as described later, when the communication terminal user is in a situation in which a predetermined insurance payment is paid according to the insurance terms subscribed to, the payment insurance payment is calculated It can perform the function of subtracting from one communication fee and processing it.

For example, if a user of a telecommunications terminal is insured for damage/repair of the terminal, if the repair occurs due to a malfunction of the terminal, the insurance payment may be made to the user of the telecommunication terminal according to the insurance policy. It is possible to subtract the amount corresponding to the insurance money from the calculated communication fee, and charge the final deducted amount to the communication terminal user as the communication fee.

Particularly, if a portion of the insurance premium corresponds to the self-pay, the amount corresponding to the self-pay for the communication fee processing unit 270 may be deducted from the communication fee as described above after excluding the insurance fee. Alternatively, if the insurance premium and the self-pay are separately processed, the communication charge processing unit 270 may process the self-pay by adding the self-pay to the communication charge.

To this end, the communication fee processing unit 270 may extract insurance information and self-payment information from blocks included in the blockchain through the blockchain processing unit 240, which will be described later. The information may be registered on the blockchain as part of insurance processing of the insurance company device 300.

The information generation unit 220 performs a function of generating lost terminal information when a communication terminal receives a loss.

For example, the information generation unit 220 may generate a lost date, lost terminal information, personal information processing agreement, etc. as terminal lost information.

The lost authentication processing unit 230 performs a lost authentication process based on at least one of location information history and call history for a predetermined period of time for the communication terminal for which loss is received.

Here, the preset period may be a period in the past or a period in the future from the date of receipt of loss.

For example, the lost authentication processing unit 230 may determine that the lost authentication has not been performed when the communication terminal that received the lost call finds a call with another person in the address book within a preset period after receiving the lost, or receives the lost. Based on the GPS coordinates transmitted by the communication terminal or the location information obtained by communicating through a base station or an access point, it is possible to determine that the lost authentication has not been performed if the current location is the customer's premises at the time of reporting the loss.

The block processing unit 240 is a block that is registered in the blockchain or performs a process of reading a predetermined block from the block chain, and in particular, can control a block including terminal loss information to be registered in the block chain.

At this time, the block processing unit 240 encrypts the terminal lost information generated in the information generating unit 220 using the pre-registered encryption key when the lost authentication is passed as a result of processing by the lost authentication processing unit 230, and then encrypts the lost information. Blocks containing lost terminal information can be controlled to be created and registered on the blockchain.

For example, when the mobile communication device 200 is operating as a node corresponding to a block generation subject in the blockchain, the blockchain processing unit 240 directly generates a block containing the above-mentioned terminal lost information to the blockchain. In order to be registered, or when the mobile communication device 200 communicates with a separate block generation node, the blockchain processing unit 240 transmits the above-mentioned terminal lost information to the corresponding block generation node to block generation and block chain. You can ask to be registered.

The block processing unit 240 may include its own information in the block as'registrant information' in the process of creating a block and registering it in the block chain. That is, separate information about the subject who created the block is included.

Looking at an example in which the blockchain processing unit 240 registers a predetermined block on the blockchain, information related to insurance claim according to damage/repair of the communication terminal when a request for insurance claim of a communication terminal user is received at the receiving unit 210 Blocks containing the can be processed to be created and registered on the blockchain.

That is, the user who has completed the repair of the communication terminal can create an insurance claim as described above using his communication terminal, and the blockchain processing unit 240 creates a block including the insurance claim and registers it with the blockchain. In this case, necessary information may be provided to a communication terminal user.

Specifically, when a request for the creation of an insurance bill by a communication terminal user is detected, the blockchain processing unit 240 includes a block including terminal damage/repair information corresponding to the corresponding communication terminal user from the blockchain (including such terminal damage/repair information) The block to be extracted as described above may be registered on the blockchain by the service center device 100), decrypt the extracted block, extract the terminal damage/repair information, and provide it to the communication terminal user. .

Accordingly, the user of the communication terminal can check the damage/repair information of his/her communication terminal registered in the blockchain, and after such confirmation, the user of the communication terminal can make insurance claim related information (for example, insurance bill and compensation account information, etc.). ) Can be created and transmitted, and the blockchain processing unit 240 can control a block including such insurance claim-related information to be generated and registered in the blockchain using a pre-registered encryption key.

Meanwhile, the insurance company device 300 is a device corresponding to an insurance company that performs insurance processing related to terminal damage/repair, loss, etc., and extracts terminal damage/repair information, terminal loss information, etc. from a block of the blockchain and insures it accordingly. Performs the function of performing processing. To this end, as described above, terminal damage/repair information and terminal loss information must naturally include identification information for insurance processing. Here, the insurance company device 300 may be a device provided and operated by an insurance company, or an external server through which an insurance company employee accesses and inputs necessary information.

At this time, the insurance company device 300 may decrypt and read the damaged/repaired information or lost information using a pre-registered decryption key.

An example of a functional block of the insurance company device 300 is illustrated in FIG. 4.

As shown in the figure, the insurance company device 300 may include a registrant verification unit 310, an information extraction unit 320, an insurance processing unit 330, and a storage unit 340.

Here, the storage unit 340 stores information, data, and applications necessary for the operation of the insurance company device 300, and also stores information and data generated or received during operation of the insurance company device 300.

The registrant verification unit 310 performs a function of confirming registrant information in a block of the blockchain.

That is, as described above, each block includes information (subscriber information) about the subject of the block creation, and the registrant verification unit 310 confirms such a block registrant. Such registrant information may be included in the block in an unencrypted state.

The information extraction unit 320 performs a function of extracting damaged/repaired information or lost information from the blockchain.

For example, the information extraction unit 320 extracts or selects the decryption key corresponding to the registrant information checked by the registrant verification unit 310, and for this purpose, the storage unit 340 stores the decryption key corresponding to each registrant information in advance. Can be.

The information extraction unit 320 may extract terminal damage/repair information or lost information included in a corresponding block using the selected decryption key.

The insurance processing unit 330 performs a function of performing insurance processing for an insurance subscriber corresponding to terminal damage/repair information or lost information extracted by the information extraction unit 320. For example, the insurance processing unit 330 may transmit a guide message according to insurance processing to an administrator or the like, or perform insurance transfer transfer to an individual by interlocking with a financial network after calculating the insurance payment according to a predetermined algorithm.

Particularly, as described above, when a block including insurance claim related information due to damage/repair of the communication terminal is registered in the blockchain at the request of the communication terminal user, the insurance processing unit 330 is included in the block of the blockchain It is possible to perform insurance processing for the insured based on the damaged terminal repair/repair information and insurance claim-related information.

In addition, the insurance processing unit 330 may calculate and register a self-pay in performing insurance processing for an insurance subscriber.

For example, the insurance processing unit 330 checks whether or not the insurance is to be paid after the insurance screening, and in the case of the insurance payment, calculates the self-pay based on the insurance agreement and the terminal damage/repair information registered in the blockchain. Therefore, it can be created as a block and then registered in the blockchain.

As described above, the self-payment registered in the blockchain may be deducted from the insurance premium by the mobile communication device 200 and reflected in the communication fee (subtracted from the communication fee by the final insurance premium).

This is the same even when the terminal is lost.

In the above-described embodiment, the calculation of the out-of-pocket costs and the registration on the blockchain are made by the insurer device 300 as an example, but the contents of the insurance contract previously registered by the insurer device 300 and the subject of insurance payment, etc. Needless to say, the mobile communication device 200 may process the calculation of the copayment and registration with the blockchain by referring to the judgment.

In addition, as described above, if the insurance premiums (final insurance premiums after subtracting the personal charge) due to terminal damage/repair insurance or terminal loss insurance are paid to the user of the communication terminal through the deduction of the communication fee, the settlement process between the mobile carrier and the insurance company It can be done.

That is, after the payment of the insurance payment is completed, a settlement process may be performed by communication between the mobile communication device 200 and the insurance company device 300, and such settlement process also registers related information (ie, insurance payment completion information) in the blockchain. And it can be done by reading it.

On the other hand, in order to perform the above-described process, the insurer device 300 must continuously check the creation of a new block on the blockchain. If the insurer device 300 is not a direct blockchain node, the newly registered blocks are continuously All should be checked.

In order to reduce this hassle, when registering a block, a notification may be generated by the service center device 100 or the mobile communication service provider device 200. Upon recognizing the notification, the insurance company device 300 may recognize that a new block is registered. .

Such a notification may also be made through a specific block. For example, the service center device 100 may control the new registration notification information to be registered on the blockchain when a block including terminal damage/repair information is registered on the blockchain. In addition, the mobile communication device 200 may control the new registration notification information to be registered on the blockchain when a block containing the terminal lost information is registered on the blockchain.

For example, the service center device 100 may control such that when a block including terminal damage/repair information is registered on the blockchain, new registration notification information is included in a predetermined block among blocks registered on the blockchain, When the block containing the lost information is registered on the blockchain, the mobile communication device 200 may control to include the new registration notification information in a specific predetermined block among blocks registered on the blockchain.

In this case, the insurance company device 300 may detect a new registration of a block including terminal damage/repair information or terminal loss information according to the new registration notification information registered in the blockchain. New registration notification information can be extracted by periodically reading the block.

In order to update the notification information in a specific block as described above, the notification information needs to be included in an area that does not affect the blocks generated thereafter.

FIG. 5 illustrates a block chain sharing between the above-described communication terminal owner, mobile communication company, insurance company, and service center for each manufacturer.

For example, the owner of the communication terminal may report the loss of the terminal to the mobile communication company or request the repair of the terminal to the service center of the manufacturer A or the manufacturer B. Accordingly, the mobile communication device 200 or each service center device 100 Each blockchain ledger data is registered in the blockchain, and it is read by an insurance company to perform insurance processing.

In particular, it can be seen that the blockchain ledger sharing is divided in FIG. 5, for example, the mobile communication device 200 includes certificates A and B, and the insurance company device 300 also includes certificates A and B. If the manufacturer A service center device 100 includes only the certificate A, and the manufacturer B service center device 100 includes only the certificate B, the blockchain ledger sharing A is the manufacturer A service center device 100, It will be used by the mobile communication device 200, the insurance company device 300, and the blockchain ledger sharing B will be used by the manufacturer B service center device 100, the mobile communication device 200, and the insurance company device 300. .

As such, by preventing the sharing of the blockchain ledger between the service center devices 100 for each manufacturer, damage caused by leakage of personal information can be minimized.

6 illustrates a process processed in the insurance processing system 1 according to an embodiment of the present invention as repairs are made to the communication terminal.

First, the communication terminal user requests the service center to repair the terminal (step S1), and accordingly, the service center processes the terminal repair (step S3).

When the input is made according to the terminal repair, the service center device 100 obtains information related to the corresponding communication terminal from the blockchain and checks whether the insurance is registered (step S5).

As a result of the verification, in the case of an insurance registered terminal, the service center device 100 generates terminal repair information, encrypts it with its own private key, generates a block, and then registers it on the blockchain (step S7).

Blocks registered in the blockchain are also shared with the insurance company device 300.

The insurance company device 300 checks the registrant information in the block of the blockchain (step S9), and selects a decryption key corresponding to the registrant (step S11). That is, in this embodiment, the insurance company device 300 selects the public key of the service center device 100 as the decryption key.

Subsequently, the insurance company device 300 extracts the repair information from the block using the selected decryption key (step S13), and performs insurance processing according to the terminal repair information (step S15).

7 illustrates a process processed by the insurance processing system 1 according to an embodiment of the present invention as a loss request for a communication terminal is made.

The user of the communication terminal requests the mobile service provider to repair the terminal (step S21), and accordingly, the mobile communication device 200 performs the terminal loss acceptance process (step S23).

Subsequently, the mobile communication device 200 performs a lost authentication process based on the location information history and the call history for a predetermined period of the communication terminal reporting the loss (step S25).

If the lost authentication process is passed (that is, it is recognized that it is actually lost), the mobile communication device 200 generates the terminal lost information, encrypts it with its own private key, creates a block, and then registers it on the blockchain ( Step S27).

Blocks registered in the blockchain are also shared with the insurance company device 300.

The insurance company device 300 checks the registrant information in the block of the blockchain (step S29), and selects a decryption key corresponding to the registrant (step S31). That is, in this embodiment, the insurance company device 300 selects the public key of the mobile communication company device 200 as a decryption key.

Subsequently, the insurance company device 300 extracts the terminal loss information from the block using the selected decryption key (step S33), and performs insurance processing according to the terminal loss information (step S35).

In the above-described embodiment, the insurer device 300 has been described only for reading information from the blockchain, but it is also possible to register the insurance processing result on the blockchain, and at this time, the insurer device 300 uses its own private key. After encrypting the insurance processing result, it can be registered on the blockchain.

Meanwhile, of course, the process of performing each of the above-described embodiments may be performed by a program or an application stored in a predetermined recording medium (for example, a computer readable). Here, the recording medium includes both an electronic recording medium such as a random access memory (RAM), a magnetic recording medium such as a hard disk, and an optical recording medium such as a compact disk (CD).

At this time, the program stored in the recording medium may be executed on hardware such as a computer or a smartphone to perform each of the above-described embodiments. In particular, at least one of the functional blocks of the above-described service center device, mobile communication device, and insurance device according to the present invention may be implemented by such a program or application.

In addition, the present invention is not limited to the specific embodiments described above, but can be implemented by modifying and modifying in various ways without departing from the gist of the present invention. It will be apparent that such variations and modifications are included in the present invention if they fall within the scope of the appended claims.

100: service center device 200: mobile operator device
300: insurance company device 110, 210: receiver
120, 220: information generating unit 130: insurance registration confirmation unit
230: lost authentication processing unit 140, 240: blockchain processing unit
150, 250, 340: storage unit 310: registrant confirmation unit
320: information extraction unit 330: insurance processing unit

Claims (36)

In the control method performed by the insurance processing system for performing insurance processing for the communication terminal,
(a) A service center device corresponding to a service center performing terminal repair at the request of a communication terminal user generates terminal damage/repair information according to the terminal damage or repair, and records the generated terminal damage/repair information. After encrypting using the registered encryption key, controlling the block including the encrypted terminal repair information to be generated and registered on the blockchain;
(b) The insurer device corresponding to an insurer performing insurance processing related to damage/repair, extracts terminal damage/repair information included in the block of the blockchain using a pre-registered decryption key, and the extracted terminal damage / Performing insurance processing for the insurance subscriber corresponding to the repair information control method of the insurance processing system comprising a. According to claim 1,
In step (a), the service center device obtains the registration information of the communication terminal from the blockchain based on the identification information of the communication terminal requested to be repaired, and whether the communication terminal has insurance related to damage/repair. Checking, and the control method of the insurance processing system, characterized in that when the corresponding communication terminal is subscribed to insurance related to damage/repair, so that information related to the damage/repair of the terminal is registered in the blockchain. According to claim 1,
In step (a), the service center device controls that the new registration notification information is registered in the blockchain when a block containing the terminal damage/repair information is registered in the blockchain,
In step (b), the insurance company device detects a new registration of a block including the terminal damage/repair information according to the new registration notification information registered in the blockchain. According to claim 1,
In step (a), when the block including the terminal breakage/repair information is registered in the blockchain, the service center device may include the new registration notification information in a specific predetermined block among blocks registered on the blockchain. Control,
In step (b), the insurance company device periodically reads the predetermined specific block to extract the new registration notification information, the control method of the insurance processing system. According to claim 1,
(c) The mobile communication device corresponding to the mobile communication company performing the terminal loss reception process due to the loss of the communication terminal generates terminal loss information according to the terminal loss reception, and the generated terminal loss information is pre-registered encryption After the encryption using the key, controlling the block containing the encrypted terminal lost information to be generated and registered on the blockchain;
(d) the insurer device extracting terminal loss information included in the block of the blockchain using a pre-registered decryption key, and performing insurance processing for the insurance subscriber corresponding to the extracted terminal loss information. Control method of the insurance processing system further comprising. The method of claim 5,
In step (c), the mobile communication device performs loss authentication processing based on at least one of location information history and call history for a predetermined period of time for the communication terminal reporting the loss when the communication terminal receives a loss report. Control method of the insurance processing system, characterized in that when the lost authentication passes, the corresponding terminal lost information is processed to be registered in the blockchain. The method of claim 5,
In step (c), the mobile communication device controls if the block containing the terminal lost information is registered in the blockchain, new registration notification information is registered in the blockchain,
In step (d), the insurance company device detects a new registration of a block including the terminal lost information according to the new registration notification information registered in the blockchain. The method of claim 5,
In step (d), the insurer device extracts registrant information from the block of the blockchain, selects a decryption key based on the extracted registrant information, and extracts terminal loss information from the block using the selected decryption key Control method of the insurance processing system, characterized in that. According to claim 1,
(e) after the step (a), further comprising the step of creating and registering a block including insurance claim related information according to the damage/repair of the communication terminal at the request of the communication terminal user, and registering the blockchain,
In step (b), the insurance company device performs insurance processing for the insurance subscriber based on terminal damage/repair information included in the block of the blockchain and information related to the insurance claim. Control method. The method of claim 9,
Step (e) is,
(e1) When a request for insurance claim creation by the user of the communication terminal is detected, the mobile communication company server corresponding to the mobile communication company to which the communication terminal user subscribes receives terminal damage/repair information corresponding to the corresponding communication terminal user from the blockchain. Extracting the containing block;
(e2) the mobile communication company server decrypting the block extracted in step (e1), extracting terminal damage/repair information, and providing it to the communication terminal user;
(e3) comprising the step of controlling, by the mobile communication service provider server, the block containing the insurance claim-related information input by the user of the communication terminal to be generated and registered on the blockchain using a pre-registered encryption key. Control method of insurance processing system. According to claim 1,
The insurance processing for the insured subscriber in step (b) includes: checking whether insurance payment is to be made after the insurance screening; In the case of insurance payment, the method includes calculating a self-pay amount based on the insurance agreement and the terminal damage/repair information registered in the blockchain, creating it as a block, and registering it in the blockchain.
The control of the insurance processing system further comprising the step of adding and processing the amount corresponding to the self-payment registered in the blockchain by the mobile communication company server corresponding to the mobile communication company to which the communication terminal user has subscribed. Way. The method of claim 5,
The insurance processing for the insured subscriber in step (d) includes: checking whether insurance payment is to be made after the insurance screening; The method of controlling an insurance processing system, comprising calculating a co-payment based on the insurance policy to be registered in the case of insurance payment, and generating it as a block and registering it in the blockchain. According to claim 1,
The mobile communication company server corresponding to the mobile communication company to which the communication terminal user has subscribed generates, in block, information on insurance related to damage/repair of the communication terminal or insurance related to the loss of the terminal in response to a request for insurance of the communication terminal user. The control method of the insurance processing system further comprising the step of registering in the blockchain. The method of claim 13,
After the mobile communication service provider server determines whether to maintain the insurance related to the damage/repair of the communication terminal or the loss related to the terminal, based on at least one of whether the user of the communication terminal is terminated as a carrier and pays insurance premiums, The control method of the insurance processing system further comprises the step of generating a judgment result in a block and registering it in the blockchain. In the control method of the service center device included in the insurance processing system for performing insurance processing for the communication terminal,
(a) generating terminal damage/repair information when damage/repair processing is performed on the communication terminal;
(b) Encrypt the terminal damage/repair information generated in step (a) using a pre-registered encryption key, and control the block containing the encrypted terminal damage/repair information to be created and registered in the blockchain. Including steps,
In the step (b), it is determined whether the communication terminal has insurance related to damage/repair by acquiring registration information of the communication terminal from the blockchain based on identification information of the communication terminal requested for damage/repair. And, as a result of verification, when the corresponding communication terminal is insured for damage/repair, the control method of the service center device is characterized in that the block chain is controlled so that information related to the damage/repair of the terminal is registered. In the control method of the insurance company device included in the insurance processing system for performing insurance processing for the communication terminal,
(a) extracting terminal damage/repair information or lost information included in a block of the blockchain using a pre-registered decryption key;
(b) performing insurance processing for the insurance subscriber corresponding to the terminal damage/repair information or lost information extracted in step (a),
In the step (a), the subscriber information is extracted from the block of the blockchain, the decryption key is selected based on the extracted registrant information, and the terminal is damaged/repaired information or lost terminal information from the block using the selected decryption key. Control method of the insurance company device, characterized in that the extraction. In the control method of the mobile communication device included in the insurance processing system for performing insurance processing for the communication terminal,
(a) generating terminal lost information according to the lost reception when the terminal lost reception is received due to loss of the communication terminal;
(b) encrypting the terminal lost information generated in step (a) using a pre-registered encryption key, and controlling the block containing the encrypted terminal lost information to be created and registered on the blockchain. and,
Further comprising the step of performing a lost authentication process based on at least one of the location information history and the call history for a predetermined period of time for the lost communication terminal, the step (b) when the lost authentication passes Control method of a mobile communication device, characterized in that to perform. A computer-readable recording medium recording a program for executing the method according to any one of claims 1 to 17. An application program stored in a computer readable recording medium in combination with hardware to execute the method of claim 1. In the insurance processing system for performing insurance processing for the communication terminal,
Corresponds to a service center that performs terminal repair at the request of a communication terminal user, generates terminal damage/repair information according to the terminal damage/repair, and uses the generated encryption key for the generated terminal damage/repair information. After encryption by encryption, the service center device to control the block containing the encrypted terminal damage / repair information is generated and registered on the blockchain;
Corresponds to an insurance company that performs insurance processing related to damage/repair, extracts terminal damage/repair information included in the block of the blockchain using a pre-registered decryption key, and corresponds to the extracted terminal damage/repair information And an insurance company device that performs insurance processing for the insured subscriber. The method of claim 20,
The service center device obtains registration information of the communication terminal from the blockchain based on the identification information of the communication terminal requested for damage/repair, and confirms whether the communication terminal has insurance related to damage/repair, As a result of verification, when the corresponding communication terminal is insured for damage/repair, the insurance processing system is characterized in that it controls the terminal information to be registered according to the damage/repair of the terminal to the blockchain. The method of claim 20,
When the block including the terminal damage/repair information is registered on the blockchain, the service center device controls so that new registration notification information is registered on the blockchain,
The insurance company device detects a new registration of a block including the terminal damage/repair information according to the new registration notification information registered in the blockchain. The method of claim 20,
When the block containing the terminal damage/repair information is registered in the blockchain, the service center device controls to include the new registration notification information in a predetermined block among blocks registered on the blockchain,
The insurance company device periodically reads the predetermined specific block to extract the new registration notification information. The method of claim 20,
Corresponds to a mobile communication company that performs terminal loss acceptance processing due to loss of the communication terminal, generates terminal loss information according to the terminal loss reception, and encrypts the generated terminal loss information using a pre-registered encryption key. After that, further comprising a mobile carrier device that controls the block containing the encrypted terminal lost information to be created and registered on the blockchain,
The insurance company device extracts the terminal loss information included in the block of the blockchain using a pre-registered decryption key and performs insurance processing for the insurance subscriber corresponding to the extracted terminal loss information. Processing system. The method of claim 24,
The mobile communication device performs loss authentication processing based on at least one of location information history and call history for a predetermined period of time for the communication terminal reporting the loss when the communication terminal receives a loss report, and passes the lost authentication In one case, insurance processing system characterized in that the terminal lost information is processed to be registered in the blockchain. The method of claim 24,
The mobile communication device controls if the block containing the terminal lost information is registered on the blockchain, new registration notification information is registered on the blockchain,
The insurance company device detects a new registration of a block including the terminal lost information according to the new registration notification information registered in the blockchain. The method of claim 24,
The insurance company device extracts registrant information from the block of the blockchain, selects a decryption key based on the extracted registrant information, and extracts terminal loss information from the block using the selected decryption key. system. The method of claim 20,
Further comprising a mobile operator server corresponding to the mobile carrier to which the user of the communication terminal is subscribed,
The mobile communication company server controls to generate and register a block including insurance claim related information according to the damage/repair of the communication terminal at the request of the user of the communication terminal, and to be registered in the blockchain,
The insurance company device performs insurance processing for the insurance subscriber based on terminal breakage/repair information included in the block of the blockchain and the insurance claim related information. The method of claim 28,
When the mobile communication company server detects a request for creating an insurance bill of the communication terminal user, extracts a block including terminal damage/repair information corresponding to the corresponding communication terminal user from the blockchain, and decrypts the extracted block After extracting the terminal damage/repair information and providing it to the communication terminal user, control the block containing the insurance claim-related information input by the communication terminal user to be generated and registered on the blockchain using a pre-registered encryption key. Insurance processing system characterized in that. The method of claim 20,
Further comprising a mobile operator server corresponding to the mobile carrier to which the user of the communication terminal is subscribed,
The insurance processing for the insurance subscriber of the insurance company device is checked based on the insurance agreement and the terminal damage/repair information registered in the blockchain if the insurance payment is subject to check whether or not the payment is subject to insurance payment. Calculate the self-pay and create it as a block and register it on the blockchain,
The mobile communication server server is an insurance processing system characterized in that the amount corresponding to the self-payment registered in the blockchain is processed by adding a communication charge bill. The method of claim 24,
The insurance processing for the insured subscriber of the insurance company device, after conducting an insurance screening, checks whether or not it is eligible for insurance payment, and in the case of the insurance payment, calculates the out-of-pocket amount based on the subscribed insurance agreement and creates it into a block, then generates the block Insurance processing system characterized in that the registration. The method of claim 20,
Further comprising a mobile operator server corresponding to the mobile carrier to which the user of the communication terminal is subscribed,
The mobile communication company server generates information on insurance related to damage/repair for the communication terminal or insurance related to the loss of the terminal in a block according to a request for insurance subscription by the user of the communication terminal, and registers it in the blockchain. Insurance processing system. The method of claim 32,
After the mobile communication server determines whether to maintain the insurance related to the damage/repair of the communication terminal or the insurance related to the loss of the terminal, based on at least one of whether the user of the communication terminal is terminated as a carrier and paid insurance premiums, Insurance processing system characterized in that the result of the judgment is generated in blocks and registered in the blockchain. In the service center device included in the insurance processing system for performing insurance processing for the communication terminal,
An information generating unit that generates terminal damage/repair information when the communication terminal is damaged/repaired;
An insurance registration confirmation unit for acquiring registration information of the communication terminal from the blockchain based on identification information of the damaged/repaired communication terminal and confirming whether the communication terminal has insurance related to damage/repair;
As a result of checking the insurance registration confirmation unit, when the corresponding communication terminal is insured for damage/repair, the terminal damage/repair information generated by the information generating unit is encrypted using a pre-registered encryption key, and the encryption is performed. Service block device, characterized in that it comprises a block processing unit that controls the block containing the broken terminal repair / repair information to be created and registered on the blockchain. In the insurance company device included in the insurance processing system for performing insurance processing for the communication terminal,
A registrant confirmation unit for confirming registrant information in a block of the blockchain;
An information extraction unit which selects a decryption key corresponding to the registrant information checked by the registrant identification unit and extracts terminal damage/repair information or lost information included in the corresponding block using the selected decryption key;
And an insurance processing unit which performs insurance processing for the insurance subscriber corresponding to the terminal damage/repair information or lost information extracted from the information extraction unit. In the mobile communication device included in the insurance processing system for performing insurance processing for the communication terminal,
An information generating unit for generating terminal lost information according to the lost reception when the terminal lost reception is received due to loss of the communication terminal;
A lost authentication processing unit which performs a lost authentication process based on at least one of a location information history and a call history for a predetermined period of time for the lost communication terminal;
When the lost authentication processing unit passes the lost authentication, the terminal lost information generated in the information generating unit is encrypted using a pre-registered encryption key, and then a block containing the encrypted terminal lost information is created and blocked. A mobile communication device comprising a blockchain processing unit that controls to be registered in a chain.

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