KR20200102146A - Apparatus and method for providing financial service based on block chain - Google Patents

Abstract

Provided are a device and method for providing an insurance service based on blockchain according to an embodiment of the present invention. The device comprises: a communication unit; a storage unit in which a plurality of distributed ledgers including insurance subscription information of a plurality of users are stored; and a processor connected to the communication unit and the storage unit. The processor receives user information for requesting insurance subscription as compensation according to exercise information of a user from a user terminal through the communication unit, performs insurance subscription of the user based on the received user information, generates transaction information including insurance subscription information of the user when the insurance subscription is completed, and records the generated transaction information in a distributed ledger to store the distributed ledger in the storage unit. Therefore, a user may buy insurance without paying insurance premiums, and an insurance company may safely store and manage information of insurance subscribers.

Description

Blockchain-based insurance service provision device and method {APPARATUS AND METHOD FOR PROVIDING FINANCIAL SERVICE BASED ON BLOCK CHAIN}

The present invention provides an apparatus and method for providing insurance services based on a blockchain.

In general, insurance is to prepare for accidents, damages, diseases, etc. caused by traffic accidents or other various causes that may occur in the future, and various insurances such as non-life insurance, medical insurance, and accident insurance exist. In order to subscribe to insurance, the user is provided with information on insurance details, insurance details, paid insurance, and receivable insurance through an insurance agent, etc., and subscribes to insurance based on this information. When insured in this way, the employer must pay the insurance money periodically to the insurance company during the subscription period. In the case of a long-term insurance product, the user must pay the insurance for a period of 10 years or more, and it may be difficult to pay the insurance for a long period of time due to sudden financial conditions. In addition, as the coverage increases, the amount of insurance that the user must bear increases. In the case of a short-term insurance product, since the subscription period is about one day or one year, there is a hassle of having to subscribe to the insurance product from time to time because the period that the user can be guaranteed is small.

On the other hand, since insurance companies must safely store and manage various information related to insured persons, such as insurance subscriber information, insurance payment payment, insurance claim, and insurance payment payment, the cost required for security increases.

Accordingly, there is a need for a method in which a user can conveniently subscribe to insurance without paying insurance money, and that an insurance company can safely store and manage information of insured subscribers.

The problem to be solved by the present invention is to provide a block chain-based insurance service providing apparatus method.

Specifically, the problem to be solved by the present invention is to provide a block chain-based insurance service providing apparatus method in which a user can subscribe to insurance without paying insurance money, and an insurance company can safely store and manage information of insurance subscribers.

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

In order to solve the above-described problems, an apparatus and method for providing a blockchain-based insurance service according to an embodiment of the present invention are provided. Block chain-based insurance service providing apparatus according to an embodiment of the present invention includes a communication unit; A storage unit in which a plurality of distributed ledgers including insurance subscription information of a plurality of users are stored; And a processor connected to the communication unit and the storage unit, wherein the processor receives user information for requesting insurance subscription as a compensation according to the user’s exercise information from the user terminal through the communication unit, and the received user Based on the information, the user's insurance subscription is performed, and when the insurance subscription is completed, transaction information including the user's insurance subscription information is generated, and the generated transaction information is recorded in a distributed ledger, and the distributed ledger is stored. Save it to the storage.

A method of providing a block chain-based insurance service performed by a processor of an apparatus for providing a block chain-based insurance service according to an embodiment of the present invention includes user information for requesting insurance subscription from a user terminal as compensation according to the user's exercise information. Receiving; Performing insurance subscription of the user based on the received user information; Generating transaction information including insurance subscription information of the user when the insurance subscription is completed; And recording the generated transaction information in a distributed ledger and storing the distributed ledger in a storage unit of the block chain-based insurance service providing apparatus.

Details of other embodiments are included in the detailed description and drawings.

In the present invention, insurance subscription is performed as compensation according to the user's exercise information, and cryptocurrency is paid as insurance money when claiming the insurance claim, so that the user can conveniently subscribe to insurance without the burden of insurance money.

In addition, according to the present invention, information related to a user's insurance subscription, insurance claim, and insurance payment is recorded in a block chain, stored and managed, so that an insurance company can prevent information leakage and hacking of insurance subscribers, thereby enhancing security.

The effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the present invention.

1 is a schematic diagram for explaining a block chain-based insurance service providing system according to an embodiment of the present invention.
2 is a schematic diagram illustrating a user terminal according to an embodiment of the present invention.
3 is a schematic diagram illustrating a service providing server according to an embodiment of the present invention.
4 is a schematic flowchart illustrating a method of subscribing insurance with compensation according to exercise information of a user in a service providing server according to an embodiment of the present invention.
5 is a schematic flowchart for explaining a method of paying an insurance amount according to an insurance claim in a service providing server according to an embodiment of the present invention.

Advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in a variety of different forms, only these embodiments make the disclosure of the present invention complete, and common knowledge in the technical field to which the present invention pertains. It is provided to completely inform the scope of the invention to those who have, and the invention is only defined by the scope of the claims.

Although the first, second, and the like are used to describe various components, it goes without saying that these components are not limited by these terms. These terms are only used to distinguish one component from another component. Therefore, it goes without saying that the first component mentioned below may be the second component within the technical idea of the present invention.

The same reference numerals refer to the same components throughout the specification.

Each of the features of the various embodiments of the present invention can be partially or entirely combined or combined with each other, and as a person skilled in the art can fully understand, technically various interlocking and driving are possible, and each of the embodiments may be independently implemented with respect to each other. It may be possible to do it together in a related relationship.

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

1 is a schematic diagram for explaining a block chain-based insurance service providing system according to an embodiment of the present invention.

Referring to FIG. 1, a block chain-based insurance service providing system 1000 includes a user terminal 100 for insurance subscription and a service providing server 200 for providing insurance services.

First, the user terminal 100 is a user interface device for subscribing to insurance products as compensation according to the user's exercise information, claiming and paying insurance, and is provided with a sensor for obtaining the user's exercise information, and the user's exercise information. According to the compensation according to the insurance subscription, an application for billing and insurance payment, a program, a widget, or a web browser installed may be a smartphone, a tablet PC, a wearable device, or the like. When a sensor is separately provided, the user terminal 100 may include a PC or a smart TV. The user terminal 100 is connected to the service providing server 200 through an installed application, program, widget, or web browser, and subscribes to insurance products as compensation according to the user's exercise information, and receives various data for claiming and paying insurance. You can give and receive.

The user terminal 100 may provide information on insurance products that the user can subscribe to according to exercise information such as the user's step count and heart rate. Specifically, the user terminal 100 may include a sensor for acquiring the user's exercise information, and may transmit the acquired exercise information to the service providing server 200 by obtaining exercise information through the sensor. The user terminal 100 may receive information on insurance products that a user can subscribe to according to exercise information from the service providing server 200 and may provide an interface screen indicating information on the received insurance products. For example, the user terminal 100 includes a step count sensor for measuring the number of steps such as an acceleration sensor, a gravity sensor, or an inertial sensor, and when the number of steps of the user is measured through the sensor, the user subscribes as a compensation. An interface screen indicating information on possible insurance products may be provided. Insurance products that a user can subscribe to are variable, irregular or short-term insurance products that can be purchased on a daily basis, and may be products related to death guarantee, health/injury, disease, saving/investment, etc., but are not limited thereto. In various embodiments, the user terminal 100 includes a heart rate measurement sensor for measuring a heart rate, and when the user's heart rate is measured through the heart rate measurement sensor, information on at least one insurance product that the user can subscribe to is provided as compensation. An interface screen to be displayed may be provided. In various embodiments, the user terminal 100 includes both a step count sensor and a heart rate sensor, and when the user's step count or heart rate is measured by a combination of the two sensors, the insurance product that the user can subscribe to is compensated. It is also possible to display an interface screen indicating information about the device. The interface screen displayed through the display unit of the user terminal 100 may include information indicating an insurance product that the user can subscribe to or a subscription period.

The user terminal 100 may acquire user information used for the user's insurance subscription, and transmit insurance subscription request data including the obtained user information to the service providing server 200. For example, user information includes personal information such as the user's name, age, gender, address, and contact information, occupational information, medical information such as the user's medical history or health status, activity information such as financial information, itinerary, and the presence or absence of a car. It may include at least some of information on a means of transportation such as, etc. The user terminal 100 provides an interface screen for acquiring user information used for insurance subscription, and when user information is acquired through the corresponding interface screen, the service providing server 100 provides insurance subscription request data including the acquired user information. 200). User information used for insurance subscription may require various information for each insurance product, and is not limited as described above. In various embodiments, the user terminal 100 provides an interface screen for selecting at least one of insurance products that the user can subscribe to based on user information, and when a specific insurance product is selected through the corresponding interface screen, the selected specific insurance product Insurance subscription request data for requesting subscription to may be transmitted to the service providing server 200.

When the user's insurance subscription is completed by the service providing server 200, the user terminal 100 receives information indicating that the user's insurance subscription is completed from the service providing server 200, and provides an interface screen indicating the received information. can do. In various embodiments, the user terminal 100 may receive subscription details for insurance subscribed by the user along with corresponding information from the service providing server 200 and provide an interface screen indicating the received subscription details.

In the presented embodiment, it has been described that when the user's exercise information is acquired, the operation for insurance subscription is performed as a compensation according to the obtained exercise information, but the present invention is not limited thereto. An operation for subscription may be performed. For example, when the measured number of steps and/or heart rate is greater than or equal to the threshold number of steps and/or critical heart rate, an operation for insurance subscription may be performed as compensation for the number of steps and/or heart rate.

In various embodiments, after the user's insurance subscription is completed, the user terminal 100 periodically acquires the user's exercise information to subscribe to a new insurance product or to provide an interface screen for extending the subscription period for the insurance product subscribed by the user. can do. For example, when the user's exercise information is obtained, the user terminal 100 provides information on at least one insurance product that the user can subscribe to, and the at least one insurance product may include an insurance product that the user has already subscribed to. . Through this, the user can extend the subscription period for the subscribed insurance product or subscribe to a new insurance product.

When there is a request for subscribing to a new insurance product, the user terminal 100 may provide an interface screen for acquiring user information used to subscribe to a new insurance product. The user terminal 100 may obtain user information through an interface screen and transmit subscription request data including the obtained user information to the service providing server 200. In various embodiments, the user terminal 100 may transmit subscription request data including existing user information to the service providing server 200 in order to subscribe to a new insurance product. When a new insurance subscription is completed by the service providing server 200, the user terminal 100 may receive information indicating that a new insurance subscription is completed from the service providing server 200, and provide an interface screen indicating the received information. have. In various embodiments, the user terminal 100 may receive detailed insurance information on insurance products subscribed by the user as well as new insurance products from the service providing server 200, and provide an interface screen indicating the received insurance detailed information. May be.

When there is a request for extending the subscription period for an existing insurance product, the user terminal 100 may transmit request data for extending the subscription period to the service providing server 200. When the period extension is completed by the service providing server 200, the user terminal 100 may receive information indicating that the period extension has been completed from the service providing server 200, and may provide an interface screen indicating the received information.

In various embodiments, after the user's insurance subscription is completed, the user terminal 100 continuously obtains the user's exercise information, and requests for extension of the period for at least one insurance product subscribed by the user according to the obtained exercise information. Data may be delivered to the service providing server 200. Through this, the extension of the period for the existing insurance product can be automatically performed without a user request.

In various embodiments, the user terminal 100 continuously obtains the user's exercise information, and sends request data for requesting subscription to at least one insurance product that the user can subscribe to according to the obtained exercise information. Can be delivered to. The user terminal 100 transmits to the service providing server 200 request data for requesting subscription for all insurance products that the user can subscribe to or requesting subscription for an insurance product suitable for the user among the insurance products that the user can subscribe to. I can. For example, if the user owns a car and the user does not subscribe to car insurance, the user terminal 100 may receive information on car insurance from the service providing server 200.

The user terminal 100 may include an electronic wallet to which insurance money is paid according to an insurance claim, or may be connected to such an electronic wallet. Insurance money can be paid in cryptocurrency. For example, an electronic wallet may include a hot wallet that is connected online and allows direct transactions, and a cold wallet in an offline state for safe storage of cryptocurrencies. For example, the hot wallet may be an application installed in the user terminal 100, a program, or a network storage accessible to the Internet through a web browser. The cold wallet may include a physical storage device such as a USB or external hard drive that stores a private key, public key, or transaction value. If the electronic wallet is a hot wallet, the electronic wallet is included as a module in applications, programs, widgets or web browsers for insurance subscription, billing, and payment of insurance payments as compensation according to the user's exercise information, and the corresponding application, program, widget, or web browser, etc. Can be linked. In various embodiments, the electronic wallet may be separately installed in the user terminal 100 as an application, widget, or program, and may be linked to an application, program, widget, or web browser for insurance subscription, billing, and insurance payment. When the electronic wallet is a cold wallet, an application, program, widget, or web browser for insurance subscription, billing, and insurance payment may further include a function for receiving insurance money through the cold wallet. For example, a function for moving cryptocurrency and/or transaction-related information (eg, private key, public key, etc.) to a physical storage device such as USB or outputting it as paper may be included. In various embodiments, the electronic wallet may include a paper wallet printed with a private key, public key, or transaction value. Through this function, users can receive cryptocurrency as insurance money according to insurance claims.

The user terminal 100 may provide an interface screen for acquiring claim information used for claiming insurance. Here, the claim information includes personal information of the user who requested the insurance claim, proof data used for claiming the insurance claim, or the address of the user's electronic wallet used for payment of the insurance claim, etc., and may include various information necessary according to the type of insurance. have. For example, in the case of non-life insurance, the claim information may include personal information of the insured and policy holder, the address of the recipient's electronic wallet to receive the insurance payment, the date and time of the accident (onset), the location of the accident, the history of the accident, and the hospital name. In the case of actual insurance, the e-wallet address of the recipient of the insurance payment, a receipt for calculation of medical expenses, and a detailed statement of medical expenses may be included. The information required for the claim information may differ depending on the type of insurance, but is not limited thereto.

When the claim information is acquired through the interface screen, the user terminal 100 may transmit request data for claiming insurance claims including the acquired claim information to the service providing server 200. The user terminal 100 may receive the cryptocurrency paid according to the billing information from the service providing server 200 through the electronic wallet as insurance money of the user. For example, if a program for accessing an electronic wallet server (not shown) is installed in the user terminal 100, the user terminal 100 accesses the electronic wallet server through the program and charges information from the service providing server 200. You can check the cryptocurrency paid according to. The user terminal 100 may receive information indicating the insurance payment result from the service providing server 200 and may provide an interface screen indicating the received information.

In various embodiments, an application, widget, program, or web browser for insurance subscription and insurance claim may provide a function for storing the paid cryptocurrency in a cold wallet such as USB or outputting it to a paper wallet.

Next, the service providing server 200 may include a general-purpose computer, a laptop, a data server, etc. that calculates various data to perform insurance subscription as compensation according to the user's exercise information and to pay the insurance payment according to the insurance claim. have. In addition, the service providing server 200 performs insurance subscription as compensation according to the user's exercise information, and provides an application, widget, or program that provides insurance services for paying the insurance payment according to the insurance claim to the user terminal 100. Can provide. The service providing server 200 may receive exercise information of the user from the user terminal 100 and transmit information on insurance products that the user can subscribe to according to the exercise information of the user to the user terminal 100.

When the insurance subscription request data for subscribing to the insurance product is received from the user terminal 100, the service providing server 200 checks whether the user can subscribe to the insurance product based on the user information included in the insurance subscription request data. I can. For example, the service providing server 200 checks the user's age, gender, health status, insurance subscription, etc. included in the user information to determine whether the user satisfies the subscription conditions for subscribing to the insurance product selected by the user. I can judge. The subscription condition may include the age group, gender, health status, or whether the subscription limit is exceeded for the insurance product. The service providing server 200 determines whether the user's age is the age range that can subscribe to the insurance product, whether the user's gender is the gender that can subscribe to the insurance product, and whether the user's health status is a medical condition that can subscribe to the insurance product. Alternatively, it can be determined whether or not the user's insurance subscription limit is exceeded. The service providing server 200 may use a machine learning technique to check whether a user has subscribed to insurance, but is not limited thereto, and various technologies to check whether a user has subscribed to insurance may be used. In addition, in the present embodiment, it has been described that the age, sex, health status, or whether the insurance subscription limit is exceeded is checked, but the present invention is not limited thereto, and various information for each insurance product can be checked. For example, in the case of car insurance, you can check whether you own a car and/or whether there is an accident. In the case of travel insurance, it is possible to check the user's travel itinerary and/or ticket information.

When it is determined that the user can subscribe to the insurance product, the service providing server 200 performs insurance subscription for the user, and includes user information on the insurance product and information on the insurance product subscribed by the user. Can generate information. For example, the insurance subscription information includes user information including at least some of the user's personal information, medical information, job information, financial information, activity information, and transportation information, and the name of the insurance that the user has subscribed to, the subscription date, and subscription. Insurance product information including period, insurance details, insurance premiums, insurance terms, etc. may be included, but is not limited thereto, and various information may be included. The service providing server 200 may generate transaction information including the generated insurance subscription information, record the generated transaction information in a distributed ledger, and store the corresponding distributed ledger in a block chain database of the service providing server 200. The service providing server 200 may transmit information indicating the completion of subscription to the corresponding insurance product to the user terminal 100. In various embodiments, the service providing server 200 may transmit detailed insurance information on an insurance product subscribed by the user to the user terminal 100 together with information indicating completion of the subscription.

In various embodiments, when exercise information is received from the user terminal 100, the service providing server 200 transmits information on insurance products that the user can subscribe to to the user terminal 100 when the received exercise information satisfies a specific condition. I can. For example, when the number of steps of the user is greater than or equal to the threshold number of steps, or if the number of steps of the user is greater than or equal to the threshold heart rate, the service providing server 200 may transmit information on insurance products that the user can subscribe to to the user terminal 100.

In various embodiments, when the user's exercise information is periodically received from the user terminal 100, the service providing server 200 may provide information on a new insurance product that the user can subscribe to to the user terminal 100. When subscription request data for subscribing to a new insurance product is received from the user terminal 100, the service providing server 200 may subscribe to a new insurance product based on user information included in the subscription request data. In this case, the service providing server 200 may generate transaction information including insurance product information for a new insurance product subscribed by the user, record the generated transaction information in a distributed ledger, and store the distributed ledger in a blockchain database. have. The service providing server 200 may provide information indicating that subscription to a new insurance product is completed to the user terminal 100.

In various embodiments, when the user's exercise information is periodically received from the user terminal 100, the service providing server 200 may provide the user terminal 100 with information for extending the period of the insurance product subscribed by the user. . When request data for requesting an extension of a period for an insurance product that has already been subscribed is received from the user terminal 100, the service providing server 200 extends the subscription period for the insurance product and includes information on the extended subscription period. You can create transaction information. The service providing server 200 may record the generated transaction information in a distributed ledger and store the corresponding distributed ledger in a blockchain database. The service providing server 200 may transmit information indicating that the period extension for the corresponding insurance product is completed to the user terminal 100.

In various embodiments, when the user's exercise information is periodically received from the user terminal 100, the service providing server 200 automatically subscribes to a new insurance product that the user can subscribe to according to the received exercise information, or It is possible to automatically extend the period for the insurance product you subscribe to. In this case, the service providing server 200 may use the existing user information to subscribe to a new insurance product that the user can subscribe to, or to extend a period of the insurance product subscribed by the user. The service providing server 200 may generate transaction information including insurance subscription information for a new insurance product subscribed by a user, record the generated transaction information in a distributed ledger, and store the corresponding distributed ledger in a blockchain database. The service providing server 200 may transmit information indicating completion of subscription for a new insurance product to the user terminal 100. In various embodiments, when the user subscribes to car insurance, the service providing server 200 may extend the insurance subscription period of the car insurance subscribed by the user by 7 days. In this case, the service providing server 200 generates transaction information including information on the insurance subscription period extended by 7 days for the auto insurance subscribed by the user, and records the generated transaction information in the distributed ledger to block the distributed ledger. Can be stored in the chain database. The service providing server 200 may transmit information indicating that the subscription period for the existing insurance product is extended to the user terminal 100. Through this, insurance subscription may be automatically performed according to the user's exercise information without a user's request, or a period of an existing insurance product may be automatically extended.

In various embodiments, the service providing server 200 may subscribe to all insurance products that the user can subscribe to, or may subscribe to insurance products suitable for the user among insurance products that the user may subscribe to. For example, if the user owns a car and the user does not subscribe to car insurance, the service providing server 200 performs a subscription for car insurance for a period of 7 days, and a transaction including information on the insurance subscription for the car insurance Can generate information. The service providing server 200 may record the generated transaction information in a distributed ledger and store the corresponding distributed ledger in a blockchain database.

When the insurance claim data including the user's claim information is received from the user terminal 100 to claim the insurance claim for a specific insurance product, the service providing server 200 examines the payment of insurance to determine whether or not the insurance is paid based on the claim information. You can do it. Specifically, the service providing server 200 may perform insurance payment examination using the received billing information and insurance subscription information of the user stored in the blockchain database. The service providing server 200 may determine whether the user's billing information includes essential billing information necessary for insurance payment, and if the billing information includes essential billing information, it may determine insurance payment. Required billing information may include various information for each insurance product.In the case of actual insurance, the required billing information is at least some of the hospital name, hospital business registration number, treatment subject, treatment period, treatment cost details, patient name, patient social security number, patient contact information, etc. May be included.

When the insurance payment is determined, the service providing server 200 may set the insurance payment to be paid based on the user information, the insurance subscription information, and the insurance payment information for other users who have subscribed to a specific insurance product. For example, the service providing server 200 stores insurance subscription information and insurance payment details subscribed for each user, and stores user information of a user whose insurance payment is determined and the total amount of insurance payments to users subscribed to a specific insurance product. After checking, you can set the insurance payment to be paid to the user. In various embodiments, the service providing server 200 may check the accident rate corresponding to the same age group and/or the same gender, such as the user's age and/or gender, and set an insurance premium according to the confirmed accident rate. A machine learning technique may be used for the above-described insurance payment examination and insurance payment determination, but is not limited thereto, and various techniques may be used.

When the insurance amount to be paid is determined, the service providing server 200 may pay the cryptocurrency corresponding to the determined insurance amount to the user's electronic wallet using the user's electronic wallet address. The service providing server 200 may generate transaction information including information on insurance payment, record the generated transaction information in a distributed ledger, and store the corresponding distributed ledger in a blockchain database. The information on insurance payment may include the electronic wallet address of the user to whom the insurance payment was paid, the date the insurance payment was paid, or the amount of insurance payment, etc., but is not limited thereto.

The service providing server 200 may transmit information indicating the insurance payment result to the user terminal 100. The information indicating the result of the insurance payment may include text such as “Insurance has been paid.”, or may further include information indicating the amount of the insurance payment.

In various embodiments, the service providing server 200 further includes at least one node (not shown) for storing at least one distributed ledger including user-specific transaction information, and may store the distributed ledger in at least one node. have. At least one node may communicate with the service providing server 200 and may store distributed ledgers related to insurance subscription information and insurance payment information of the user. For example, when a distributed ledger is generated in the service providing server 200, the generated distributed ledger may be shared with at least one node. At least one node may be a private internal node provided by the service providing server 200.

Through this, users can conveniently subscribe to insurance without paying insurance money, and insurance companies can increase security by preventing information leakage and hacking of insurance subscribers.

2 is a schematic diagram illustrating a user terminal according to an embodiment of the present invention.

1 and 2, the user terminal 100 includes a communication unit 110, a display unit 120, a sensor 130, a storage unit 140, an electronic wallet 150, and a processor 160.

The communication unit 110 connects the user terminal 100 to enable communication with an external device. The communication unit 110 may be connected to the service providing device 200 using wired/wireless communication to transmit and receive various types of information. Specifically, the communication unit 110 may transmit insurance subscription request data or user's exercise information to the service providing server 200 and receive information indicating completion of insurance subscription from the service providing server 200. The communication unit 110 transmits request data for requesting a new insurance product subscription or an extension of the subscription period of an already subscribed insurance product to the service providing server 200, and completes the subscription for the new insurance product from the service providing server 200. Information indicating that the subscription period extension has been completed may be received. The communication unit 110 may transmit request data for claiming an insurance claim for claiming the insurance claim to the service providing server 200 and receive information indicating a result of paying the insurance claim from the service providing server 200.

The display unit 120 may display various types of content (eg, text, images, videos, icons, banners, symbols, etc.) to the user. Specifically, the display unit 120 may display various interface screens for an application, a program, a widget, or a web browser for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. For example, various interface screens include interface screens for acquiring user information, interface screens representing information on insurance products that the user can subscribe to, information on insurance products subscribed by the user, and claim information for insurance claims. It may include an interface screen and/or an interface screen indicating a result of claiming insurance.

In various embodiments, the display unit 120 may include a touch screen, for example, a touch, gesture, proximity, drag, and swipe using an electronic pen or a part of the user's body. (swipe) or hovering (hovering) input, etc. can be received.

The sensor 130 may acquire exercise information such as the number of steps and/or heart rate of the user. For example, the sensor 130 may include a step count sensor, such as an acceleration sensor, a gravity sensor, or an inertial sensor that measures the number of steps of the user, and/or a heart rate sensor that measures the user's heart rate.

The storage unit 140 may store various data used for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. Specifically, the storage unit 140 may store an application, a program, a widget, or a web browser for insurance subscription, billing, and insurance payment as compensation according to the user's exercise information.

In various embodiments, the storage unit 140 is a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD Memory, etc.), RAM (Random Access Memory, RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory, ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory) , A magnetic memory, a magnetic disk, an optical disk, and at least one type of storage medium. The user terminal 100 may operate in connection with a web storage that performs a storage function of the memory 140 over the Internet.

The electronic wallet 150 is a module for storing and using the cryptocurrency provided by the service providing server 200 and may be a program installed in the user terminal 100. The electronic wallet 150 may have a form of a hot wallet or a cold wallet, but is not limited thereto.

The processor 160 is operatively connected to the communication unit 110, the display unit 120, the sensor 130, the storage unit 140, and the electronic wallet 150, and insurance subscription and claim as compensation according to the user's exercise information And various orders for insurance payment. Specifically, the processor 160 executes an application, program, widget, or web browser for insurance subscription, billing and insurance payment as compensation according to the user's exercise information, and executes the executed application, program, widget, or web browser. Through the service providing server 200 and various data can be transmitted and received. In the following

The processor 160 may acquire exercise information of a user through the sensor 130 and transmit the obtained exercise information to the service providing server 200 through the communication unit 110. The processor 160 may receive information on insurance products that a user can subscribe to from the service providing server 200 and may display an interface screen indicating the received information through the display unit 120. In various embodiments, the processor 160 may display an interface screen indicating information about an insurance product that the user can subscribe to as compensation for the exercise information of the user along with the user's exercise information. The interface screen may be an interface screen for selecting an insurance product for subscription.

When a specific insurance product for subscription is selected through the interface screen, the processor 160 may display an interface screen for acquiring user information used to subscribe to the specific insurance product. The interface screen may include input areas for inputting user information. For example, the interface screen shows personal information such as the user's name, age, gender, address, and contact information, medical information such as the user's medical history or health status, activity information such as job information, financial information, travel itinerary, etc. It may include an input area for inputting at least some of information on a means of transportation, such as, etc. When input of user information is completed by the user, the processor 160 may transmit insurance subscription request data including user information to the service providing server 200 in order to subscribe to a specific insurance product. When the subscription for a specific insurance product is completed by the service providing server 200, the processor 160 receives information indicating that the insurance subscription has been completed from the service providing server 200, and displays an interface screen indicating the received information. I can. In various embodiments, the processor 160 may receive subscription details for a specific insurance product subscribed by the user, and may display an interface screen indicating the received subscription details.

After the user's insurance subscription is completed, the processor 160 periodically acquires the user's exercise information through the sensor 130 to sign up for a new insurance product or display an interface screen for extending the subscription period for the insurance product subscribed by the user. Can provide. For example, the processor 160 transmits periodically acquired exercise information to the service providing server 200, or sends request data for subscribing to a new insurance product according to the periodically acquired exercise information to the service providing server 200. Can be delivered to. The processor 160 may receive information on a new insurance product for which a user can subscribe from the service providing server 200 and may display an interface screen indicating the received information. The interface screen may include a button or icon for selecting a new insurance product for subscription. When a new insurance product for subscription is selected, the processor 160 may display an interface screen for acquiring user information used to subscribe to the new insurance product. When user information is acquired through the interface screen, the processor 160 may transmit insurance subscription request data including the acquired user information to the service providing server 200. In various embodiments, the processor 160 may transmit only insurance subscription request data to the service providing server 200 in order to subscribe to a new insurance product using existing user information. When the subscription for a new insurance product is completed by the service providing server 200, the processor 160 receives information indicating that insurance subscription is complete from the service providing server 200, and displays an interface screen indicating the received information. I can.

In various embodiments, the processor 160 transmits periodically acquired exercise information to the service providing server 200, or transmits request data for extending the period of an already subscribed insurance product according to the periodically acquired exercise information to the service providing server. You can pass it to 200. The processor 160 may receive information on an insurance product for which a period can be extended from the service providing server 200 and may display an interface screen indicating the received information. For example, the interface screen may include an icon or button for requesting an extension of a period for an insurance product that has already been subscribed. When a period extension is requested through this, the processor 160 may transmit request data for extending the subscription period to the service providing server 200. When the period extension is completed by the service providing server 200, the processor 160 may receive information indicating that the period extension is completed from the service providing server 200 and provide an interface screen indicating the received information.

In various embodiments, the processor 160 provides the service providing server 200 with request data for requesting subscription for all insurance products that the user can subscribe to or for requesting subscription for insurance products suitable for the user among the insurance products that the user can subscribe to. ). For example, if the user owns a car and the user has not subscribed to car insurance, the processor 160 may receive information on car insurance from the service providing server 200. In this case, the processor 160 may display an interface screen for subscribing to car insurance according to the received information so that the user may subscribe to car insurance.

For insurance claim, the processor 160 may display an interface screen for acquiring claim information. The interface screen may include an input area for inputting billing information and/or a graphic object corresponding to an upload function for uploading proof data. When billing information is input through the interface screen, the processor 160 may transmit request data for claiming insurance claims including billing information to the service providing server 200. When insurance payment from the service providing server 200 is completed, the processor 160 may receive the cryptocurrency paid from the service providing server 200 through the electronic wallet 150 as insurance money. The processor 160 may receive information indicating the insurance payment result from the service providing server 200 and may display an interface screen indicating the received information.

3 is a schematic diagram illustrating a service providing server according to an embodiment of the present invention.

1 and 3, the service providing server 200 includes a communication unit 210, a storage unit 220, and a processor 230.

The communication unit 210 connects the service providing server 200 to enable communication with an external device. The communication unit 210 may be connected to the user terminal 100 using wired/wireless communication to transmit and receive various types of information. Specifically, the communication unit 210 may receive insurance subscription request data or user's exercise information from the user terminal 100 and transmit information indicating completion of insurance subscription to the user terminal 100. The communication unit 210 receives request data for requesting a new insurance product subscription or an extension of the subscription period of an insurance product already subscribed from the user terminal 100, and information indicating completion of the subscription for the new insurance product to the user terminal 100 Alternatively, information indicating that the extension of the subscription period is completed may be delivered. The communication unit 210 may receive request data for claiming an insurance claim from the user terminal 100 and transmit information indicating a result of the insurance payment to the user terminal 100.

The storage unit 220 may store various data used for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. The storage unit 220 may store user information for each user, insurance subscription information, billing information, and insurance payment details. The storage unit 200 may include a block chain database 225 for storing at least one distributed ledger including user-specific transaction information.

The processor 230 is operatively connected to the communication unit 210 and the storage unit 220, and may execute various commands for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. Specifically, the processor 230 receives the user's exercise information from the user terminal 100 through the communication unit 210, and transmits information on insurance products that the user can subscribe to to the user terminal 100 according to the user's exercise information. I can deliver.

When insurance subscription request data for subscribing to insurance products is received from the user terminal 100, the processor 230 may check whether the user can subscribe to the insurance product based on user information included in the insurance subscription request data. . The processor 230 may check user information to determine whether a subscription condition for subscribing to an insurance product is satisfied. For example, the processor 230 may determine whether user information satisfies a subscription condition using a machine learning technique, and various technologies other than machine learning may be used.

When the user information satisfies the subscription condition, the processor 230 may subscribe to an insurance product and generate insurance subscription information including user information and insurance product information for the insurance product. The processor 230 may generate transaction information including insurance subscription information, record the transaction information in the distributed ledger, and store the corresponding distributed ledger in the blockchain database 225. The processor 230 may transmit information indicating completion of insurance subscription to the user terminal 100. In various embodiments, the processor 230 may transmit detailed insurance information on an insurance product subscribed by the user to the user terminal 100 together with information indicating completion of the subscription.

In various embodiments, the processor 230 periodically receives the user's exercise information from the user terminal 100 and provides information on a new insurance product that the user can subscribe to to the user terminal 100 according to the received exercise information. I can. When subscription request data for a new insurance product is received from the user terminal 100, the processor 230 may determine whether the user can subscribe to the new insurance product based on user information included in the subscription request data. When a user can subscribe to a new insurance product, the processor 230 may subscribe to a new insurance product. The processor 230 may generate transaction information including insurance subscription information for a new insurance product, record the generated transaction information in a distributed ledger, and store the corresponding distributed ledger in the blockchain database 225. In various embodiments, the processor 230 may subscribe to a new insurance product using existing user information.

In various embodiments, the processor 230 periodically receives the user's exercise information from the user terminal 100, and according to the received exercise information, the user terminal 100 receives information for extending the subscription period for the insurance product already subscribed. Can be provided as When request data for requesting an extension of the period is received from the user terminal 100, the processor 230 may extend the subscription period for the existing insurance product and generate transaction information including information on the extended subscription period. The processor 230 may record the generated transaction information in the distributed ledger and store the corresponding distributed ledger in the blockchain database 225. The processor 230 may transmit information indicating that the period extension is completed to the user terminal 100.

In various embodiments, when the user's exercise information is periodically received from the user terminal 100, the processor 230 automatically subscribes for a new insurance product that the user can subscribe to according to the received exercise information, or the user subscribes. It is possible to automatically extend the term for insurance products. In this case, the processor 230 may use the existing user information to subscribe to a new insurance product that the user can subscribe to, or to extend a period of the insurance product that the user subscribes to. The processor 230 generates transaction information including insurance subscription information for new insurance products or information on an extended subscription period, records the generated transaction information in a distributed ledger, and stores the corresponding distributed ledger in a blockchain database 225 ). Through this, insurance subscription may be automatically performed according to the user's exercise information without a user's request, or a period of an existing insurance product may be automatically extended.

4 is a schematic flowchart illustrating a method of subscribing insurance with compensation according to exercise information of a user in a service providing server according to an embodiment of the present invention.

1 and 4, the service providing server 200 receives user information for requesting insurance subscription as compensation according to the user's exercise information from the user terminal 100 (S400), and the received user information Based on the user's insurance subscription (S410). Specifically, the service providing server 200 receives the user's exercise information from the user terminal 100 and transmits information on at least one insurance product that the user can subscribe to to the user terminal 100. When subscription request data for a specific insurance product is received from the user terminal 100, the service providing server 200 checks user information included in the subscription request data to determine whether the user can subscribe to the specific insurance product. When it is determined that the user can subscribe to a specific insurance product, the service providing server 200 generates insurance subscription information including user information and information on a specific insurance product subscribed by the user.

The service providing server 200 generates transaction information including the user's insurance subscription information (S420), records the generated transaction information in the distributed ledger, and stores the corresponding distributed ledger (S430).

5 is a schematic flowchart for explaining a method of paying an insurance amount according to an insurance claim in a service providing server according to an embodiment of the present invention.

1 and 5, the service providing server 200 receives the claim information for claiming the insurance claim from the user terminal 100 (S500), and pays the insurance claim based on the received claim information and the user's insurance subscription information. Screening is performed (S510). Specifically, the service providing server 200 determines whether the user's claim information includes essential claim information required for insurance payment based on the claim information and the user's insurance subscription information. The service providing server 200 determines insurance payment if the claim information includes essential claim information, and the insurance payment to be paid based on user information, insurance subscription information, and insurance payments for other users who have subscribed to a specific insurance product. Formulate.

The service providing server 200 pays the insurance money to the user's electronic wallet according to the insurance payment examination (S520), and generates transaction information including information on the insurance payment (S530). The service providing server 200 records the generated transaction information in the distributed ledger and stores the corresponding distributed ledger (S540). Specifically, the service providing server 200 pays a cryptocurrency corresponding to the insurance money to the user's electronic wallet by using the user's electronic wallet address included in the user information. The service providing server 200 generates transaction information including insurance payment details that a certain amount of cryptocurrency was paid to the user's electronic wallet, records the generated transaction information in a distributed ledger, and stores the corresponding distributed ledger in a blockchain database ( 225).

As described above, according to the present invention, insurance subscription is performed as compensation according to the user's exercise information, and cryptocurrency is paid as insurance money when claiming the insurance, so that the user can conveniently subscribe to insurance without the burden of insurance money.

In addition, according to the present invention, information related to a user's insurance subscription, insurance claim, and insurance payment is recorded in a block chain, stored and managed, so that an insurance company can prevent information leakage and hacking of insurance subscribers, thereby enhancing security.

The apparatus and method according to the embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination.

Program instructions recorded on a computer-readable medium may be specially designed and configured for the present invention, or may be known to and usable by those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes magneto-optical media and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Further, the above-described medium may be a transmission medium such as an optical or metal wire, a waveguide including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine language codes such as those produced by a compiler but also high-level language codes that can be executed by a computer using an interpreter or the like.

The above-described hardware device may be configured to operate as one or more software modules to perform the operation of the present invention, and vice versa.

Although the embodiments of the present invention have been described in more detail with reference to the accompanying drawings, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention. . Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain the technical idea, and the scope of the technical idea of the present invention is not limited by these embodiments. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not limiting. The scope of protection of the present invention should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be interpreted as being included in the scope of the present invention.

100: user terminal
110: communication department
120: display
130: sensor
140: storage unit
150: electronic wallet
160: processor
200: service providing server
210: communication department
220: storage unit
225: Blockchain database
230: processor
1000: Blockchain-based insurance service delivery system

Claims (16)

Communication department;
A storage unit in which a plurality of distributed ledgers including insurance subscription information of a plurality of users are stored; And
And a processor connected to the communication unit and the storage unit,
The processor,
Receives user information for requesting insurance subscription as compensation according to the user's exercise information from the user terminal through the communication unit, performs insurance subscription of the user based on the received user information, and when the insurance subscription is completed Generating transaction information including insurance subscription information of the user, recording the generated transaction information in a distributed ledger, and storing the distributed ledger in the storage unit. The method of claim 1, wherein the exercise information includes at least one of a number of steps and a heart rate of the user,
The processor,
A block chain-based insurance service providing apparatus for providing information on at least one insurance product that the user can subscribe to as a compensation corresponding to the exercise information to the user terminal. The method of claim 1, wherein the insurance subscription information,
Block chain-based insurance service providing apparatus comprising the user information and insurance product information on the insurance product subscribed by the user. The method of claim 1, wherein the user information,
Including at least some of the user's personal information, job information, medical information, financial information, activity information, and transportation information,
The processor,
Based on the user information, it is determined whether the user can subscribe to the specific insurance product, and when the user is able to subscribe to the specific insurance product, insurance subscription for the specific insurance product is performed. Device for providing insurance services. The method of claim 4, wherein the processor,
Personal information, job information, medical information, financial information, activity information, and movement for at least some of the user's personal information, occupation information, medical information, financial information, activity information, and transportation information to subscribe to the specific insurance product Block chain-based insurance service providing apparatus that determines that it is possible to subscribe to the specific insurance product if it corresponds to at least part of the means information. The method of claim 1, wherein the processor,
Receives claim information for claiming insurance claim from the user terminal, performs an insurance payment review based on the received claim information and the insurance subscription information, and pays the insurance money to the user's electronic wallet according to the insurance payment review , Creating another transaction information including information on the insurance payment, and storing the another distributed ledger in the storage unit by recording the generated another transaction information in another distributed ledger, blockchain-based insurance Service provision device. The method of claim 6, wherein the claim information,
Blockchain-based insurance service providing apparatus comprising at least a portion of personal information of the user who requested the insurance payment, proof data used for claiming the insurance payment, and an electronic wallet address used for payment of the insurance payment. The method of claim 7, wherein the processor,
A block chain-based insurance service providing device that pays the cryptocurrency corresponding to the insurance money to the electronic wallet using the electronic wallet address. In the method of providing a block chain-based insurance service performed by a processor of a block chain-based insurance service providing device,
Receiving user information for requesting insurance subscription as compensation according to the user's exercise information from the user terminal;
Performing insurance subscription of the user based on the received user information;
Generating transaction information including insurance subscription information of the user when the insurance subscription is completed; And
Providing a block chain-based insurance service in a block chain-based insurance service providing device comprising the step of recording the generated transaction information in a distributed ledger and storing the distributed ledger in a storage unit of the block chain-based insurance service providing device. Way. The method of claim 9, wherein the exercise information includes at least one of a number of steps and a heart rate of the user,
Providing a block chain-based insurance service in a block chain-based insurance service providing device, further comprising the step of providing information on at least one insurance product that the user can subscribe to as a compensation corresponding to the exercise information to the user terminal Way. The method of claim 9, wherein the insurance subscription information,
A method for providing a block chain-based insurance service in a block chain-based insurance service providing apparatus, including the user information and insurance product information on the insurance product subscribed by the user. The method of claim 9, wherein the user information,
Including at least some of the user's personal information, job information, medical information, financial information, activity information, and transportation information,
The step of performing insurance subscription of the user based on the received user information,
Determining whether the user can subscribe to the specific insurance product based on the user information; And
A method for providing a blockchain-based insurance service in a block-chain-based insurance service providing apparatus, comprising the step of performing insurance subscription for the specific insurance product when the user can subscribe to the specific insurance product. The method of claim 12, wherein when the user can subscribe to the specific insurance product, performing insurance subscription for the specific insurance product,
Personal information, job information, medical information, financial information, activity information, and movement for at least some of the user's personal information, occupation information, medical information, financial information, activity information, and transportation information to subscribe to the specific insurance product A method for providing a blockchain-based insurance service in a block-chain-based insurance service providing apparatus, comprising the step of determining that the specific insurance product can be subscribed if at least part of the means information corresponds to it. The method of claim 9,
Receiving claim information for claiming insurance payments from the user terminal;
Performing an insurance payment examination based on the received claim information and the insurance subscription information;
Paying the insurance money to the electronic wallet of the user according to the insurance payment examination;
Generating another transaction information including information on the insurance payment; And
A method for providing a blockchain-based insurance service in a block chain-based insurance service providing apparatus, further comprising the step of storing the another distributed ledger in the storage unit by recording the generated another transaction information in another distributed ledger . The method of claim 14, wherein the claim information,
Blockchain-based insurance service in a block-chain-based insurance service providing device that includes at least a part of the personal information of the user who requested the insurance payment, proof data used for the insurance claim, and an electronic wallet address used for the insurance payment payment How to provide. The method of claim 15, wherein the step of paying the insurance money to the user's electronic wallet,
A method for providing a blockchain-based insurance service in a block chain-based insurance service providing apparatus comprising the step of paying a cryptocurrency corresponding to the insurance money to the electronic wallet using the electronic wallet address.

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