KR20200125300A - Kiosk apparatus and system for providing comparative estimation and subscription service of car insurance product - Google Patents

Abstract

Provided are a kiosk apparatus and a system for providing comparative estimates and subscription for a plurality of automobile insurance products, capable of increasing reliability of insurance subscription. The kiosk apparatus includes: a communication unit connected to an information providing server interworking with a plurality of automobile insurance company servers, which are different from each other, through a communication network; an input unit configured to receive a user command; a display unit configured to output a service user interface (UI) including information received from the information providing server according to the user command; a memory configured to store a program for providing comparative estimates and a subscription service for an automobile insurance product by interworking with the information providing server; and at least one processor configured to execute the program, wherein the program includes instructions for: receiving information required for identity authentication to perform the identity authentication when user consent is input by requesting agreement to terms and conditions, and consent to provide personal information; receiving a vehicle number or a vehicle identification number when the identity authentication is successful; receiving collateral requirement information including at least one of a permissible driver range, personal compensation, property compensation, automobile injuries, uninsured vehicle injuries, a property accident surcharge criterion, own vehicle damage, and compensation according to injury grades, and at least one special arrangement condition information; and transmitting the received information to the information providing server to receive and display comparative estimate information of automobile insurance products matching the received information.

Description

A kiosk device and system that provides comparative estimates and subscription services for car insurance products {KIOSK APPARATUS AND SYSTEM FOR PROVIDING COMPARATIVE ESTIMATION AND SUBSCRIPTION SERVICE OF CAR INSURANCE PRODUCT}

The present invention relates to a kiosk device and system that provides a comparison estimate and subscription service for automobile insurance products.

In order to purchase and operate a vehicle in Korea, it must go through the vehicle registration process. One of the documents that must be provided during this process is the mandatory insurance policy. In other words, auto insurance is an insurance that must be purchased. Violation of this may result in a fine of up to 900,000 won in the case of a car. Automobile insurance is an insurance that anyone who owns or operates a car must pay attention to as it is often subject to imprisonment for up to one year or a fine of up to 10 million won when driving on the road with a car without auto insurance.

In general, insurance is designed for the customer through an insurance agent, and the customer and the insurance company make a contract. Auto insurance was also purchased mainly through insurance agents.

However, the direct insurance market is increasing recently as each insurance company opens an online direct insurance channel. Direct insurance is 15% cheaper than general insurance because individual consumers can purchase insurance directly or without an insurance agent.

Currently, there are a total of 11 insurance companies operating online direct car insurance in Korea. Therefore, the customer must check the insurance premium through the process of entering personal information, vehicle information, etc., and setting security conditions for each of the 11 insurance companies. This process is time-consuming. In addition, due to the nature of automobile insurance, it must be renewed every year, and it is not difficult for customers to check the premiums for each insurance company every year.

In addition, the online direct insurance channels provided by each insurance company are optimized based on mobile and tablet PC (Personal Computer) or PC. However, it is cumbersome to input information necessary for insurance using a mobile or tablet PC, and there is a high possibility of a description error. This is because, due to the characteristics of mobile and tablet PCs, screen sizes are limited, making it inconvenient to display and input a lot of information and to decrease visibility. In particular, car insurance has a limitation on the screen page to express it on a smartphone because there are various contents of collateral and special contracts. Therefore, when using a mobile or tablet PC, there are many limitations in providing detailed guidance on the insurance subscription procedure and insurance terminology.

In addition, according to the conventional insurance subscription procedure, after entering all basic information necessary for insurance subscription, it is possible to check whether or not the insurance company has been acquired at the stage immediately before payment. Therefore, if one insurance company refuses to take over, the process of signing up after passing the takeover examination by another insurance company must be repeated.

Even though the online direct insurance channel is active due to the above problems, users who are not familiar with computers or who are unfamiliar with direct insurance still pay high premiums through insurance agents. For example, after a customer purchases a vehicle at a used car dealership, a dealer and a customer visit an insurance company together to sign up for auto insurance. Therefore, there is a problem that it takes a lot of time for a comparative estimate, as well as a cumbersome problem of having to visit the insurance company directly.

The problem to be solved by the present invention is to provide a kiosk device and system that unifies and processes a comparison estimate service of various car insurances matched with information on the insured, and a subscription contract and payment service for a specific car insurance selected by the insured.

According to one feature of the present invention, a kiosk device includes an information providing server interlocking with a plurality of different car insurance company servers and a communication unit connected through a communication network, an input unit for receiving a user command, and the information providing server according to the user command. A display unit that outputs a service user interface (UI) including information received from the information providing server, a memory storing a program that provides a comparison estimate and subscription service for car insurance products in connection with the information providing server, and the program. Including at least one processor to execute, the program, when a user consent is input by requesting agreement to the terms and conditions and consent to provide personal information, receives information necessary for identification and performs identification, and when the identification is successful, , Receive the vehicle number or vehicle identification number, and include at least one of the driver's possible range, personal compensation, property compensation, automobile injury, uninsured vehicle injury, property accident premium standard, damage to the subject vehicle, and compensation according to the injury level, and Including instructions for receiving at least one special contract condition information and transmitting the input information to the information providing server to receive and display comparison estimate information of auto insurance products matching the input information, the The comparison estimate information includes auto insurance products obtained by inquiring by the information providing server through a plurality of auto insurance company servers based on the vehicle number or vehicle identification number and the input information, and whether insurance companies can take over for each auto insurance product. Including, and is provided through the plurality of car insurance company servers connected through the information providing server and the cyber marketing (Cyber Marketing, CM) channel, the availability of the acquisition is provided only to the insured who has consented to the provision of the personal information. .

The input unit and the display unit are implemented as a touch screen, and the service user interface includes individual user interfaces that are displayed in stages according to a comparison quotation process, a subscription contract process, and a payment process in connection with the information providing server, A kiosk-only user interface in which at least one of a screen arrangement, an icon type, and a graphic type of information is set in consideration of a viewing angle or a recognition area, and includes a plurality of graphic icons that are switched and displayed by step according to a touch input, and the plurality of graphics The icon may respond to a touch input for inputting information and displaying information.

The kiosk device further includes a Head Mounted Display (HMD) for outputting virtual reality content or augmented reality content, and the program may provide a vehicle-related product or service received from the information providing server through virtual reality or It may further include commands to output to augmented reality.

The program may further include instructions for providing at least one additional service of recommending an automobile-related product, recommending an automobile insurance product, and providing insurance-related information received from the information providing server.

The program interlocks with the information providing server, when a user input for selecting a remote consultation menu displayed on the service user interface occurs while executing at least one of a comparison quotation process, a subscription contract process, and a payment process, A remote counseling service request is transmitted to the information providing server, and the remote counselor is connected to a remote counselor terminal through the information providing server or a remote counseling support device connected to the information providing server to share a screen displaying the service user interface, and the remote counselor It may further include commands for providing a remote consultation service based on information received from the terminal.

According to another feature of the present invention, the car insurance information providing system is installed in a place where users who need car insurance information frequently come and go, a plurality of kiosk devices that provide car insurance product comparison quotation and subscription service, and the plurality of The kiosk device of the Kiosk device and the communication network are connected to transmit the kiosk-only user interfaces displayed step by step according to the comparison quotation process, the subscription contract process, and the payment process to the kiosk device, and the vehicle using information input through the individual user interfaces. Insurance information including the insured person information to the plurality of auto insurance company servers connected through a cyber marketing (CM) channel, comprising an information providing server providing insurance product comparison quotation and subscription services, and the information providing server Transmitting an inquiry request, receiving each auto insurance product matching the insured person information from the plurality of insurance company servers and whether the insurance company can be acquired, and comparing estimate information based on the respective auto insurance products and whether or not they can be acquired Is generated and transmitted to the kiosk device, and when a subscription request for one car insurance product from among the car insurance products included in the comparison estimate information is received from the kiosk device, it is subscribed to the kiosk device in connection with the car insurance company server Proceeds the subscription contract process and payment process of the requested auto insurance product, and when the payment process performed in the kiosk device is completed, the payment completion information is transmitted to the car insurance company server to receive the subscription contract conclusion information, and the subscription contract is concluded. Information is transmitted to the kiosk device and the user's terminal.

The information providing server is connected to the plurality of automobile insurance company servers through a server interlocking interface, and the server interlocking interface may transmit and receive data using a security protocol.

The information providing server receives user consent by requesting agreement of terms and conditions and consent to provide personal information from the kiosk device, and performs identity authentication by connecting the kiosk device with an identity authentication server, and if the identity authentication is successful, the Requests the kiosk device to input vehicle information to receive the vehicle number or vehicle identification number, and at least one of the range of driver coverage, personal compensation, property compensation, car injury, uninsured vehicle injury, property accident premium standard, damage to the subject vehicle, and compensation according to the injury level. Request and receive input of security condition information including one, request and receive input of at least one special contract condition information, and receive the vehicle number or the vehicle identification number, the security condition information, and the at least one special contract condition information An insurance information inquiry request may be generated based on and transmitted to the plurality of auto insurance company servers.

The information providing server obtains the insured information from the plurality of car insurance company servers using the vehicle number or vehicle vehicle information of the insured received from the kiosk device, and based on the insured information, VR (Virtual Reality) content , Car-related product recommendation, car insurance product recommendation, and insurance-related information provision at least one service information customized to the insured and transmitted to the kiosk device, and the recommended service generated customized for the insured includes the vehicle number or the vehicle chassis It may include a UBI insurance (Usage-based insurance) recommendation using at least one of vehicle accident history information, vehicle use information, and insured information received from the plurality of insurance company servers based on the number.

The information providing server includes car insurance or car related virtual reality (VR, Virtual Reality) content, augmented reality (AR) content, car related product recommendation, car insurance product recommendation, insurance related information, overpaid insurance premium inquiry, vehicle A service including at least one of an accident history inquiry and an insurance related certificate issuance may be additionally provided to the kiosk device.

The information providing server transmits a plurality of user interfaces (UIs) according to the car insurance product comparison quotation and subscription service logic to the kiosk device for each step, receives user information through the transmitted user interface, and the user interface Stores a service log including transmission details of the user information and reception details of the user information, and when a remote consultation service request is received from the kiosk device, a remote consultation communication channel between the remote counselor terminal and the kiosk device is created to the kiosk device. The provided user interface screen may be shared, and service usage details performed in the kiosk device may be provided to the remote counselor terminal based on the service log.

The car insurance information providing system further includes a remote counseling support device connected to the information providing server and a remote counselor terminal, wherein the information providing server provides a plurality of the car insurance product comparison estimate and subscription service logic to the kiosk device. Transmitting the user interface (UI) step by step, receiving user information through the transmitted user interface, storing a service log including a transmission history of the user interface and a reception history of the user information, and from the kiosk device When a request for a remote counseling service is received, a request for a remote counseling service connection is requested to the remote counseling support device along with information of the kiosk device, and the remote counseling support device establishes a remote counseling communication channel between the remote counselor terminal and the kiosk device. The user interface screen may be generated and provided to the kiosk device may be shared, and service usage details performed in the kiosk device may be received from the information providing server based on the service log and provided to the remote counselor terminal.

The information providing server sets at least one of a screen arrangement, an icon type, and a graphic type of information in consideration of a viewing angle or a recognition area, and a kiosk-dedicated user interface including a plurality of graphic icons that are switched and displayed for each step according to a touch input May be provided to the kiosk device, and a car insurance comparison estimate and subscription contract service may be provided through the kiosk dedicated user interface.

According to an embodiment of the present invention, a kiosk device is used to provide insurance subscription contracts and payment services, as well as an automobile insurance quote comparison service, thereby facilitating access to insurance by insurance subscribers and preventing unsubscribed status of automobile insurance. The imposition of fines can be prevented in advance.

In addition, the kiosk device is more convenient in terms of receiving information because it has better visibility and expression compared to user terminals such as mobile and tablet PCs, and it is difficult to implement additional explanations that could not be expressed on mobile because the screen is larger than that of mobile devices. It's easy.

In addition, since the kiosk device is used as a means of connecting online and offline, insurance can be easily accessed at car service centers or used car sales complexes that can be visited regardless of generation without using a computer or mobile phone. Furthermore, you can get the benefit of purchasing auto insurance at low premiums through the comparative estimate service.

In addition, since a service provider providing a service through a kiosk device does not belong to a specific insurance company, the insurance product provided to the customer is not biased, so that objective insurance information can be obtained from the customer's point of view.

In addition, since the insured can directly set collateral through the kiosk device and intuitively check the insurance subscription procedure on the spot, the reliability of insurance subscription can be improved.

In addition, for users who have agreed to provide personal information, it is possible to check in advance whether or not each insurance company has been acquired in the comparative estimating step, thereby preventing unnecessary registration information input procedures.

In addition, it is possible to provide and manage various services related to automobiles and insurance based on the information entered by the user for users who have agreed to provide personal information.

In addition, while using the service through the kiosk device, the customer can immediately receive consultation related to the ongoing service through the remote consultation support service. In addition, since the information providing server interlocking with the kiosk device manages the service log provided by the kiosk device and delivers it to the counselor's terminal when providing the remote counseling support service, there is no need to explain the service content that the customer is using to the counselor.

1 is a block diagram of a system for providing car insurance information according to an embodiment of the present invention.
2 is a block diagram of a system for providing car insurance information according to another embodiment of the present invention.
3 is a block diagram showing a detailed configuration of a kiosk device according to an embodiment of the present invention.
4 is an exemplary view showing the appearance of the kiosk device of FIG. 3.
5 is a block diagram showing a detailed configuration of an information providing server according to an embodiment of the present invention.
6 is a flowchart illustrating a method of providing car insurance information according to an embodiment of the present invention.
7 is a flowchart illustrating a method of providing car insurance information according to another embodiment of the present invention.
8 is an example of a vehicle number input UI (User Interface) according to an embodiment of the present invention.
9 is an example of a security condition setting UI according to an embodiment of the present invention.
10 is an example of a special agreement condition setting UI according to an embodiment of the present invention.
11 is an example of an insured person information setting UI according to an embodiment of the present invention.
12 is a flow chart showing a remote counseling support service method according to an embodiment of the present invention.
13 is a flowchart illustrating a remote counseling support service method according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art may easily implement the present invention. However, the present invention may be implemented in various different forms, and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

In addition, terms such as "... unit", "... group", and "... module" described in the specification mean a unit that processes at least one function or operation, which can be implemented by hardware or software or a combination of hardware and software. I can.

In the present specification, "transmitting or providing" may include not only direct transmission or provision, but also transmission or provision indirectly through another device or using a bypass path.

Expressions described in the singular in this specification may be interpreted as the singular or plural unless an explicit expression such as "one" or "single" is used.

In the present specification, the same reference numbers refer to the same elements regardless of the drawings, and "and/or" includes each and all combinations of one or more of the mentioned elements.

In the present specification, the automobile insurance product may be a direct insurance product. In general, insurance is designed for the customer through an insurance agent, and the customer and the insurance company sign a contract. Insurance planners receive a fee from the insurance company according to the contract performance. However, direct car insurance is an insurance in which a driver and an insurance company directly sign a contract without going through an insurance agent. Direct car insurance does not incur a sales commission because the intermediate process of going through an insurance agent is omitted, so insurance premiums are cheaper than general insurance.

Now, a configuration of a kiosk device and system that provides a comparison estimate and subscription service for automobile insurance products will be described with reference to the drawings.

1 is a block diagram of a system for providing car insurance information according to an embodiment of the present invention.

Referring to FIG. 1, the vehicle insurance information providing system includes a plurality of kiosk devices 100 and an information providing server 200.

The plurality of kiosk devices 100 are connected to the information providing server 200 and the plurality of payment systems 400 through the communication network 300. The information providing server 200 is connected to a plurality of kiosk devices 100, a plurality of insurance company servers 500, and a plurality of remote counselor terminals 600.

The communication network 300 may be formed of a wired communication network, a mobile communication network, a wireless network, and a combination thereof. For example, the wired communication network includes a wired network based on Internet Protocol (IP). Mobile communication networks include 5G networks, long term evolution (LTE) networks, and wideband code division multiple access (WCDMA) networks. Wireless networks include various types of wireless networks such as Wi-Fi networks. However, the communication network 300 is not limited to a specific technology, since it may include all networks developed in the future as well as the networks already established as described above.

The plurality of payment systems 400 are connected to the communication network 300 and perform payment according to the request of the kiosk device 100, for example, payment of insurance premiums. The plurality of payment systems 400 may include various payment servers such as a card company server, a mobile payment server, Kakao Pay, and Naver Pay.

The kiosk device 100 is an installation-type unmanned information providing terminal and is installed in a place where users who need car insurance information frequently come and go. For example, the kiosk device 100 may be installed in automobile-related places A(1) and B(2), such as an automobile maintenance service center and a used car trading complex.

The kiosk device 100 interworks with the information providing server 200 to provide an automobile insurance product comparison estimate and subscription service. In this way, by installing the kiosk device 100 in a vehicle-related place, it is possible to increase the accessibility of the vehicle-related information for users.

If the installation place of the kiosk device 100 is a used car trading complex, the user can query accident information only with the vehicle number. In this case, the kiosk device 100 may transmit the vehicle number input by the user to the information providing server 200 to perform an accident inquiry. Then, the information providing server 200 receives accident inquiry information based on the vehicle number from the plurality of insurance company servers 500 and transmits the information to the kiosk device 100.

The information providing server 200 may be connected to a plurality of insurance company servers 500 through a communication network 300, but may be connected through a dedicated network (not shown) that is distinct from the communication network 300 to which the kiosk device 100 is connected.

The information providing server 200 transmits, to the kiosk device 100, a user interface (hereinafter, collectively referred to as'service UI') for an automobile insurance product comparison quotation and subscription service. The service UI is composed of a plurality of UI screens sequentially provided according to the comparison estimate and subscription process logic of the car insurance product. Each UI screen is composed of a plurality of menus and service information. The information providing server 200 may provide a second UI screen of a next step based on a menu and/or information input through the first UI screen. As such, the information providing server 200 transmits UI screens configured for each step defined in the service logic to the kiosk device 100 and receives information input or selected by the user through these UI screens. Here, the UI screens are dedicated to the kiosk. It is produced as a UI. In particular, in the kiosk-only UI, a screen arrangement of information, an icon type, a graphic method, etc. may be considered in consideration of a viewing angle and a recognition area.

The information providing server 200 receives the insured person information input by the user from the kiosk device 100. Here, the insured information includes identification information such as a vehicle number or vehicle identification number, a resident registration number, etc., collateral information desired by the insured, and special contract information.

The information providing server 200 receives, from the plurality of insurance company servers 500, whether an automobile insurance product matching the insured person information received from the kiosk device 100 and whether to take over the insurance company. Then, the comparison estimate information is generated based on the received information and transmitted to the kiosk device 100. At this time, whether to take over the insurance company is provided to the insured who has consented to personal information.

In this way, since it is possible to check whether or not the insurance company is acquired in advance in the comparative estimate service stage, it is possible to reduce unnecessary situations in which an insurance company that cannot take over, although the insurance premium is the cheapest, goes through the subscription procedure.

The information providing server 200 generates an insurance information inquiry request based on user information received from the kiosk device 100 and transmits it to the plurality of insurance company servers 500 simultaneously or sequentially.

Here, the plurality of insurance company servers 500 may be cyber marketing (CM) channel servers built in each insurance company. Cyber marketing (CM) channels provide insurance services in a non-face-to-face manner. The plurality of insurance company servers 500 providing such cyber marketing (CM) channels may provide insurance services such as calculating insurance premiums and confirming whether or not an acquisition is possible.

Since the information providing server 200 interworks with the plurality of insurance company servers 500 in real time, the user can request an insurance premium comparison estimate service and immediately check whether or not to take over the insurance premium. This is different from what could be confirmed by the user within two business days after reviewing whether the insurance company can take over. This is because it is suggested that the user's request information is transmitted to multiple insurance companies' servers, but whether or not each insurance company takes over is individually delivered to the user by the offline department or the telemarketing department operated by each insurance company.

However, in the exemplary embodiment of the present invention, the information providing server 200 checks whether or not it is possible to take over through interworking between a plurality of insurance company servers 500 and servers. Accordingly, since the user's request transmission and reception of whether or not the user can accept is performed through one channel, that is, an interlocked channel between servers, the time to check whether the user can accept or not is shortened compared to the prior art. In addition, it is possible to provide a one-stop service in which a contract is concluded with the insurance company by selecting only an insurance company without a separate input procedure immediately after an insurance premium comparison estimate, including whether to take over or inquire about insurance premiums. Therefore, the insurance subscription process becomes very simple.

In addition, since the information providing server 200 is interlocked with the insurance company server 500, basic information such as information received from the kiosk device 100 in the comparison estimating step, that is, vehicle number/vehicle identification number and vehicle information required for insurance subscription Based on, additional information of the vehicle, that is, information such as a manufacturer, vehicle name, vehicle registration year, detailed vehicle name, and detailed item may be obtained from the insurance company server 500. Therefore, since the user does not need to input such information when proceeding with the insurance subscription contract, the procedure that the user must input in the subscription contract and payment step is simplified.

When the information providing server 200 receives a subscription request for an automobile insurance product selected by the user based on the comparison quotation information from the kiosk device 100, the information providing server 200 interworks with the insurance company server 500 to provide guide information for the automobile insurance subscription contract. It is transmitted to the kiosk device 100. The information providing server 200 transmits the subscription contract information received from the kiosk device 100 to the insurance company server 500 to request a subscription contract, and transmits the subscription contract conclusion information received from the insurance company server 500 to the kiosk device 100 ).

When the payment process performed by the kiosk device 100 is completed, the information providing server 200 transmits payment completion information to the insurance company server 500 to receive subscription contract conclusion information. The information providing server 200 transmits subscription contract conclusion information to the kiosk device 100.

The information providing server 200 is in the process of virtual reality (VR, Virtual Reality)/AR (Augmented Reality, AR) content, car-related product recommendation, car insurance product recommendation, insurance-related information provision, insurance-related certificate issuance, vehicle accident history inquiry At least one service may be additionally transmitted to the kiosk device 100. In this case, in the case of an additional service, the information providing server 200 may provide a customized service based on vehicle information or identity verification information of the insured person received from the kiosk device 100. Here, the customized service is UBI insurance using at least one of vehicle accident history information, vehicle use information, and insured information received from a plurality of insurance company servers 500 based on the vehicle number or vehicle identification number received from the kiosk device 100 (Usage-based insurance) May include recommendations.

In the case of a car service center in which the kiosk device 100 is installed, it is common for customers to wait for an hour or more. A rest area is provided for customer convenience, but it is not enough to relieve customers' discomfort. In this case, the kiosk device 100 is a device that tends to induce curiosity to customers, and as well as VR/AR contents, overpaid insurance premium inquiry, vehicle accident history inquiry, driving habit-linked insurance UBI (Usage-based insurance) Customers' time efficiency can be improved by providing additional information related to automobiles such as insurance recommendation and issuance of various insurance-related certificates.

In addition, the information providing server 200 mediates a remote counseling support service between the kiosk device 100 and a plurality of remote counselor terminals 600.

According to an embodiment, the information providing server 200 mediates the establishment of a session for a remote counseling support service between the kiosk device 100 and the remote counselor terminal 600. When a session is established between the kiosk device 100 and the information providing server 200, the remote counselor terminal 600 may access the kiosk device 100 and control the screen of the kiosk device 100. At this time, the kiosk device 100 and the remote counselor terminal 600 may perform remote desktop protocol communication. In this case, the information providing server 200 transmits the service usage details to the remote counselor terminal 600 based on the service log of the kiosk device 100.

According to another embodiment, the information providing server 200 connects the kiosk device 100 and the remote counselor terminal 600 to each independent session. The information providing server 200 similarly transmits the service UI of the current stage being used to the remote counselor terminal 600 based on the service usage history log of the kiosk device 100. The information providing server 200 mediates a user command received from each of the devices 100 and 600 through the same service UI displayed on the kiosk device 100 and the remote counselor terminal 600. That is, the information providing server 200 commonly displays a user command received from the remote counselor terminal 600 on the service UI of the kiosk device 100. In addition, the user command received from the kiosk device 100 is also commonly displayed in the service UI of the remote counselor terminal 600.

2 is a block diagram of a system for providing car insurance information according to another embodiment of the present invention. In this case, since the configuration of FIG. 2 is substantially similar to that of FIG. 1, description of the redundant configuration is omitted, and only other configurations will be described.

The configuration of FIG. 2 is different from that of FIG. 1 in that the remote counseling support device 700 is connected to the information providing server 200. The remote counseling support device 700 is a dedicated device that provides a remote counseling support service, and may provide functions such as session establishment and screen sharing.

The remote counseling support device 700 is connected to the kiosk device 100 and a plurality of remote counselor terminals 600 through the information providing server 200, and is 1:1 remote between the kiosk device 100 and the counselor terminal 600. Intermediate counseling services.

The remote counseling support device 700 receives identification information of the kiosk device 100 requesting a remote counseling support service from the information providing server 200. The identification information may be a host IP address of the kiosk device 100. Since the operation of the remote consultation support device 700 is the same as the remote consultation support operation according to the two embodiments of the information providing server 200 described in FIG. 1, a description thereof will be omitted.

In this way, while using the comparative quotation and subscription service, the customer can use the remote consultation support service. Conventionally, when using a comparative estimate service through a web site, the customer has to call a counselor directly when a question arises while using the service. When I call, it takes time to connect to the counselor immediately, and I have to verbally explain the contents of the service I am currently using. In addition, if the call is disconnected during the consultation, the process of explaining by calling again is inconvenient.

However, in an embodiment of the present invention, since the remote counselor terminal 600 directly accesses the kiosk device 100 on which the service UI is displayed and controls the screen, there is no hassle for the customer to explain the inquiry to the counselor. Alternatively, when the information providing server 200 records the details of the service currently in progress with the kiosk device 100 as a log, and a remote consultation request is received from the kiosk device 100, the remote counselor terminal 600 displays the current screen based on the log. ) To share. Accordingly, the customer can receive counseling while viewing the screen with the counselor at the current service stage without waiting for a call with the counselor or verbally explaining the details of service use.

In particular, the kiosk device 100 already has a built-in remote counseling support program linked with the information providing server 200. Therefore, there is no need for a customer to download a separate program to receive the remote consultation support service. Accordingly, users who have difficulty accessing a PC can easily receive a remote consultation support service through the kiosk device 100.

3 is a block diagram showing a detailed configuration of a kiosk device according to an embodiment of the present invention.

3, the kiosk device 100 includes a communication unit 101, an input unit 103, a display unit 105, a memory 107, a payment reader 109, a telephone 111, a microphone 113, and a speaker. 115, a printer 117, a Head Mounted Display (HMD) 119, and at least one processor 121.

The communication unit 101 is connected to the information providing server 200 through the communication network 300. The communication unit 101 outputs the data received from the information providing server 200 to at least one processor 121 and transmits the data transmitted from the at least one processor 121 to the information providing server 200. The communication unit 101 may include a wireless LAN modem such as Wi-Fi, a mobile communication modem, and the like.

The input unit 103 is a means for receiving a user command.

The display unit 105 outputs a user interface (UI) on the screen according to a user command transmitted from the input unit 103. Here, the user interface (UI) includes car insurance product comparison estimate and subscription service information received from the information providing server 200.

Here, the input unit 103 and the display unit 105 may be implemented as a touch screen of a large screen as shown in FIG. 3. That is, a touch keypad, a touch button, etc. may be activated on the screen to receive a user command and output various information.

In this case, the user interface (UI) may include a plurality of graphic icons that are switched and displayed for each step according to a touch input for each of a comparison estimate process of an automobile insurance product, a subscription contract process, and a payment process. Such a plurality of graphic icons may be intuitive components that respond to a touch input for information input and information display.

In this way, by minimizing unnecessary processes with intuitive components and implementing a consumer-centered intuitive user interface (UI), it is possible to increase the accessibility of consumers' insurance-related information.

The memory 107 interlocks with the information providing server 200 to provide at least one of car insurance product comparison estimate and subscription service, virtual reality (VR) content, car-related product recommendation, car insurance product recommendation, and insurance-related information. It stores a program consisting of instructions that provide services, remote consultation support services, and certification document issuance services. The program may include instructions for performing an automobile insurance product comparison and quotation process, a subscription contract process and a payment process for an automobile insurance product selected by the user in connection with the information providing server 200 based on the information input from the input unit 103. have.

The payment reader 109 is a hardware means that processes payment by interlocking with a payment means owned by the user. These payment readers 109 are each mounted on the main body 123 having a predetermined shape to recognize the user's card information by NFC (Near Field Communication) method, an IC that recognizes the user's integrated circuit (IC) card It may be a card reader or the like. In addition, the payment reader 109 may include a code scanner (not shown) that recognizes a QR code including payment information.

The phone 111 includes a telephone modem and a handset, and may be used as a means for making a phone call with a remote counselor while a customer is receiving a remote counseling support service.

The microphone 113 receives an external user's voice and outputs it to the processor 121. The speaker 115 outputs sound according to the operation of the kiosk device 100 received from the processor 121.

The printer 117 is a means for issuing various certification documents related to insurance, such as an insurance premium payment certificate, through the kiosk device 100.

The HMD 119 provides the content received from the information providing server 200 in virtual reality or augmented reality. The HMD 119 is an image display device that can be worn on the head like glasses and enjoy images. When the user wears the HMD 119 by being connected to the kiosk device 100, content is displayed in the virtual reality (VR) world or It can be shown as an image of augmented reality (AR) with the outside world.

At least one processor 121 includes a communication unit 101, an input unit 103, a display unit 105, a memory 107, a payment reader 109, a telephone 111, a microphone 113, a speaker 115, and It is connected to the printer 117 and the HMD 119 to control the operation of these components, and executes a program stored in the memory 107 to implement the operation of the kiosk device 100.

At this time, in the case of issuing an insurance-related certificate, since identity authentication is required, although not shown in the drawing, the kiosk device 100 may further include a biometric authentication means, for example, a fingerprint reader. In addition, personal authentication required for issuing insurance-related certificates may be performed directly by the kiosk device 100, but may be performed through mobile phone authentication in connection with the information providing server 200.

4 is a perspective view showing an external configuration of the kiosk device of FIG. 3.

Referring to FIG. 4, a large touch screen 123 in which an input unit 103 and a display unit 105 are combined is installed on a front surface of a main body 121 that forms the exterior of a kiosk device. An NFC reader 109A and an IC card reader 109B are installed at the bottom of the touch screen 123. Of course, the payment method is not limited to these configurations 109A and 109B.

In addition, a telephone 111 is installed on one side of the front side of the main body 121 and an HMD 119 is installed on the other side. Accordingly, if a customer needs a consultation while using a service through the touch screen 123, while using the remote consultation on the touch screen 123, the phone 111 may be additionally used. In addition, a customer may enjoy content provided from the information providing server 200 while wearing the HMD 119.

5 is a block diagram showing a detailed configuration of an information providing server according to an embodiment of the present invention.

Referring to FIG. 5, the information providing server 200 includes a kiosk interface unit 201, a server interlocking interface unit 203, a remote consultation support interface unit 205, a memory 207, a storage device 209, and at least one It includes a processor 211.

The kiosk interface unit 201 is connected to the plurality of kiosk devices 100 through a communication network 300 to transmit and/or receive data. The kiosk interface unit 201 outputs data received from the communication network 300 to the processor 211 and outputs data input from the processor 211 to the communication network 300.

The server interworking interface unit 203 is connected to a plurality of insurance company servers 400. The server interworking interface unit 203 may include a network interface for communication between heterogeneous servers. At this time, since the insurance information inquiry request transmitted to the plurality of insurance company servers 400 may include the user's personal information, the server interworking interface unit 203 may communicate with the plurality of insurance company servers 400 through a security protocol. . The server interworking interface unit 203 may store not only a communication (security) protocol for transmitting/receiving information, but also various kinds of setting information that must be shared or set by both parties in order for the heterogeneous servers 200 and 400 to interlock services.

The remote counseling support interface unit 205 may be connected to a plurality of remote counselor terminals 600 or the remote counseling support apparatus 700 to perform various controls for providing the remote counseling support service described above.

The memory 207 is connected to the processor 211 and stores a program including instructions for executing the configuration and/or method according to the embodiments of the present invention.

The storage device 209 stores various types of information, such as control information and contents necessary for the operation of the server according to the embodiment of the present invention. The processor 211 is combined with hardware such as the memory 207 to execute the present invention. .

6 is a flowchart illustrating a method of providing car insurance information according to an embodiment of the present invention.

Referring to FIG. 6, the kiosk device 100 is connected to the information providing server 200 and the communication network 300 (S101). The kiosk device 100 is always connected to the information providing server 200 while the power is turned on.

The kiosk device 100 receives service UI control information from the information providing server 200 (S103). The kiosk device 100 outputs a service UI on the screen based on the service UI control information (S105). Here, the service UI may be composed of a plurality of menus. The plurality of menus may include a comparison estimate menu, a recommendation service menu, a certificate issuance menu, and the like.

When the comparison estimate menu is selected, the kiosk device 100 receives vehicle information, identity verification information, collateral information, special contract information, etc. of the insured through the comparison estimate UI (S107). Here, the comparison estimate UI is configured to sequentially display a plurality of UIs according to the comparison estimate service logic according to a user input.

The kiosk device 100 transmits a comparison quotation service request including the insured person information input in step S107 to the information providing server 200 (S109).

The information providing server 200 inquires and receives an insurance product from the insurance company servers 501 and 503 based on the insured person information received in step S109 (S111, S113). At this time, in steps S111 and S113, the information providing server 200 receives the auto insurance product matching the insured person information and whether or not the insurance company is acquired.

The information providing server 200 generates comparative estimate information of the insurance product based on the auto insurance product received from each insurance company server 501 and 503 and whether the insurance company has been acquired (S115) and transmits it to the kiosk device 100 ( S117).

The information providing server 200 checks whether additional transmission is set to the subscriber information registered as vehicle information or identity verification information (S119). When additional transmission is set, the information providing server 200 transmits the comparison estimate information of step S115 to the registered destination (S121). Here, the additional transmission may include a social network service (SNS) messenger transmission such as KakaoTalk, a text transmission, an email transmission, and the like.

The kiosk device 100 outputs the received comparison estimate information (S115) through the service UI (S123).

The kiosk device 100 selects one insurance product according to a user command from among a plurality of insurance products included in the comparison estimate information (S125).

The kiosk device 100 transmits a subscription request for the selected insurance product to the information providing server 200 (S127).

The kiosk device 100 receives guide information for an insurance subscription contract from the information providing server 200 (S129). And, based on the guide information, the UI for the insurance subscription contract is output to receive the insurance subscription contract information (S131). This guide information is set to sequentially display a plurality of UIs according to the insurance subscription contract logic according to a user input.

The kiosk device 100 transmits the insurance subscription contract information input in step S131 to the information providing server 200 (S133). The information providing server 200 performs an insurance subscription contract process in conjunction with the kiosk device 100 and the insurance company server 501 based on the insurance subscription contract information input by the user (S133, S135).

When the insurance subscription contract procedure is completed, the information providing server 200 requests payment of insurance premiums to the kiosk device 100 (S137).

The kiosk device 100 interworks with a payment system 400 that provides a payment method selected by the user to perform a payment process for paying insurance premiums (S139). Since this payment process corresponds to a normal payment process, detailed descriptions are omitted.

When the insurance premium payment process is completed, the kiosk device 100 transmits payment completion information to the information providing server 200 (S141).

The information providing server 200 transmits an insurance contract completion request including payment completion information to the insurance company server 501 (S143), and receives the insurance contract processing result (S145).

The information providing server 200 transmits the received insurance contract processing result (S145) to the kiosk device 100 (S147).

As in step S119, the information providing server 200 checks whether or not additional transmission is set (S149), and if additional transmission is set, transmits insurance contract information to the registered destination (S151).

In this case, steps S121 and S151 are described as previously registered destinations, but these may be destinations input by the user through the kiosk device 100 after inquiring whether to transmit additional data to the kiosk device 100. For example, additional transmission may be made to the user terminal using a mobile instant messenger or message service.

7 is a flowchart showing a method of providing car insurance information according to another embodiment of the present invention, FIG. 8 is an example of a vehicle number input UI according to an embodiment of the present invention, and FIG. 9 is An example of a security condition setting UI, FIG. 10 is an example of a special contract condition setting UI according to an embodiment of the present invention, and FIG. 11 is an example of an insured person information setting UI according to an embodiment of the present invention. At this time, Figure 7 is a detailed flow chart of the car insurance comparison estimate service.

First, referring to FIG. 7, the kiosk device 100 receives a user consent by requesting agreement on terms and conditions and consent to provide personal information (S201).

The kiosk device 100 receives information required for identification and performs identification (S203). Upon identification, the insured's name, resident registration number, and mobile phone number can be collected. In addition, the authentication number sent to the mobile phone number can be requested and verified for identification. Such an identity authentication procedure is performed through an identity authentication server (not shown) connected through the information providing server 200, and a detailed description thereof is omitted since a known technology can be used.

The kiosk device 100 checks whether identity authentication is successful (S205), and if the identity authentication fails, repeats step S203.

However, if the identification is successful, vehicle information is inquired with the vehicle number received by requesting from the insured and outputted (S207). Here, in step S207, as shown in FIG. 8, a UI (P1) requesting input of a vehicle number may be provided.

In this case, in step S207, it may be requested to select whether there is a vehicle number or whether a vehicle is to be purchased. For example, when a vehicle is to be purchased, when the kiosk device 100 is installed in a used car trading complex, it may be selected by the user.

If there is a vehicle number, the kiosk device 100 inquires vehicle information based on the vehicle number input by the user. When a vehicle is to be purchased, the kiosk device 100 inquires vehicle information based on the vehicle identification number input by the user. That is, the information providing server 200 interworks with each insurance company server 500 on the basis of the vehicle number or vehicle identification number received from the kiosk device 100 to query vehicle information and provide it to the kiosk device 100.

The kiosk device 100 requests the insured to receive at least one collateral condition information (S209). Here, step S209 includes at least one of compensation according to the driver's possible range, personal compensation, property compensation, personal injury or automobile injury, uninsured vehicle injury, physical accident premium standard, damage to the subject vehicle, and compensation according to injury grade, as shown in FIG. It is possible to provide a UI (P3) for requesting to input security condition information.

The kiosk device 100 requests at least one special agreement condition information from the insured person (S211). Here, step S211 may provide a UI (P5) requesting to input special agreement condition information including at least one of a black box installation, a connected car discount, and a child discount as shown in FIG. 10.

The kiosk device 100 requests an automobile insurance product comparison quote service from the information providing server 200 based on the insured person information input in steps S201 to S211 (S213). In this case, as shown in FIG. 11, a UI (P7) including collateral condition information and special agreement condition information input through steps S209 and S211 is provided so that the user can intuitively check it.

The kiosk device 100 receives and outputs a comparison estimate of auto insurance products matching the insured information input in steps S201 to S211 and whether to take over the insurance company (S213). At this time, the received comparison estimate and whether to take over the insurance company are generated as an estimate and product selection UI and output on the kiosk screen (S215).

In addition, while the customer is using the comparison quotation service, that is, when the customer determines that consultation is necessary in each step of FIG. 7, when the customer clicks the remote consultation menu in the service UI, the kiosk device 100 returns to the information providing server 200 Request a remote consultation support service. The remote counseling support service will be described as follows.

12 is a flow chart showing a remote counseling support service method according to an embodiment of the present invention.

Referring to FIG. 12, while the kiosk device 100 and the information providing server 200 are connected to provide a service (S301), the information providing server 200 stores a service log (S303). Step S301 is a process of providing the service UI described in FIGS. 6 to 11 to the kiosk device 100 by the information providing server 200 and receiving information input or selected by the user from the kiosk device 100 through the service UI. Included. The information providing server 200 stores service usage details such as which service UI is provided and which information is received as a log (S303).

At this time, when the remote consultation menu displayed on the service UI is clicked (S305), the kiosk device 100 transmits a remote consultation service request to the information providing server 200 (S307).

The information providing server 200 transmits information of the kiosk device 100 requesting a remote counseling service, that is, a host IP address, to the remote counselor terminal 600 and requests a remote counseling connection (S309). In this case, the information providing server 200 may perform step S309 by selecting an idle counselor terminal 600 from among a plurality of connected remote counselor terminals 600.

The information providing server 200 receives a remote counseling connection response from the remote counselor terminal 600 (S311). The remote counseling connection response may include information of the remote counselor terminal 600, that is, a host IP address.

The information providing server 200 transmits a remote counseling service response including the terminal information received in step S311 to the kiosk device 100 (S313).

The information providing server 200 allocates a session key to both sides of the kiosk device 100 and the remote counselor terminal 600. Then, a remote counseling communication channel is formed between the kiosk device 100 and the remote counselor terminal 600 by using the transmitted host IP addresses (S309 and S313). This remote consultation communication channel may be a remote desktop protocol channel.

At this time, the information providing server 200 transmits the service usage details performed by the kiosk device 100 to the remote counselor terminal 600 based on the log stored in step S303 (S317). The remote counselor terminal 600 accesses the kiosk device 100 through a remote counseling communication channel to display a shared kiosk screen and displays service usage details on the screen (S319). Therefore, the counselor can check at a glance what service the customer was using. The remote counselor terminal 600 not only receives the screen output on the kiosk device 100 but also displays service usage details on the screen. Accordingly, the counselor immediately consults while looking at the customer's current service use history, so that the customer does not need to explain the contents of the service that has been performed so far.

When the operation of the counselor occurs on the screen, the remote counselor terminal 600 transmits a remote control command according to the manipulation to the kiosk device 100 (S321). The kiosk device 100 displays a screen according to the remote control command (S323). Of course, since the remote counselor terminal 600 is connected to the kiosk device 100, all screen displays on the kiosk device 100 are shared with the remote counselor terminal 600.

In addition, when the remote counseling support device 700 is connected to the information providing server 200, step S309 is in which the information providing server 200 transmits a remote counseling connection request along with the kiosk device information to the remote counseling support device 700. The operation is performed first. Then, the remote counseling support apparatus 700 may select the remote counselor terminal 600 to control all steps after step S309.

13 is a flowchart illustrating a remote counseling support service method according to another embodiment of the present invention. In this case, since FIG. 13 includes an operation similar to that of FIG. 12, duplicate descriptions are omitted.

13, the kiosk device 100 and the information providing server 200 are connected to provide the service (S401) while the information providing server 200 stores a service log (S403),

At this time, when the remote consultation menu is clicked (S405), the kiosk device 100 requests a remote consultation service from the information providing server 200 (S407). The information providing server 200 transmits a remote counseling connection request including information of the kiosk device 100 to the remote counseling terminal 600 (S409).

The information providing server 200 receives a remote counseling connection response including information of the remote counselor terminal 600 from the remote counselor terminal 600 (S411). The information providing server 200 transmits a remote counseling service response including information of the remote counselor terminal 600 to the kiosk device 100 (S413).

The information providing server 200 allocates a session key to both sides of the kiosk device 100 and the remote counselor terminal 600, and separately creates an independent session, that is, a remote counseling communication channel (S415, S417). That is, the information providing server 200 may relay screen transmission/reception and data communication by creating an IP tunnel.

The information providing server 200 displays the service use details performed by the kiosk device 100 generated based on the log stored in step S403 and the most recent kiosk screen output to the kiosk device 100 to the remote counselor terminal 600. It is transmitted to (S419). The remote counselor terminal 600 outputs the received kiosk screen and service usage details on the terminal screen (S421).

Thereafter, when a remote control command is received from the remote counselor terminal 600 (S423), the information providing server 200 transmits it to the kiosk device 100 (S425). The kiosk device 100 displays a screen according to the received remote control command (S425) (S427).

The information providing server 200 transmits the user input received (S429) from the kiosk device 100 to the remote counselor terminal 600 (S431).

Through the process described in FIGS. 12 and 13 above, the kiosk device 100 establishes a remote connection with the remote counseling support device 700 to share a screen according to a user command and an input of a counselor, thereby making a one-to-one remote control through the kiosk device 100. Counseling services are provided.

When a user encounters a limit while using the service through the kiosk device 100, using the 1:1 remote consultation service, the consultant and the user can simultaneously view the same screen and perform various services such as insurance subscription procedures. Accordingly, the 1:1 remote counseling service provides the convenience that users who are unfamiliar with the insurance subscription method and insurance terms can easily follow the insurance subscription procedure while viewing the kiosk screen.

The embodiments of the present invention described above are not implemented only through an apparatus and a method, but may be implemented through a program that realizes a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (13)

A communication unit connected through a communication network and an information providing server interlocking with a plurality of different auto insurance company servers,
Input section to receive user commands,
A display unit for outputting a service user interface (UI) including information received from the information providing server according to the user command,
A memory for storing a program that provides an automobile insurance product comparison estimate and subscription service in connection with the information providing server, and
At least one processor for executing the program,
The above program,
When user consent is entered by requesting agreement to the terms and conditions and consent to provide personal information, user authentication is performed by receiving information required for identification
If the above identification is successful, the vehicle number or vehicle identification number is entered,
Receive information on conditions of collateral including at least one of the driver's possible range, personal compensation, property compensation, automobile injury, uninsured vehicle injury, property accident premium standard, damage to the subject vehicle, and compensation according to the injury level, and at least one special contract condition information,
Including instructions for transmitting the received information to the information providing server to receive and display comparison estimate information of auto insurance products matching the input information,
The above comparison estimate information,
The information providing server includes car insurance products obtained by inquiring with a plurality of car insurance company servers based on the vehicle number or vehicle identification number and the input information, and whether an insurance company can be acquired for each car insurance product,
It is provided through the plurality of auto insurance company servers connected through the information providing server and a cyber marketing (CM) channel,
Whether the above can be acquired is
A kiosk device provided only to insured persons who have agreed to provide the above personal information. In claim 1,
The input unit and the display unit,
Implemented as a touch screen,
The service user interface,
In conjunction with the information providing server, it includes individual user interfaces that are displayed step by step according to the comparison quotation process, the subscription contract process, and the payment process, and at least one of a screen layout, an icon type, and a graphic type of information in consideration of a viewing angle or recognition area. It is a dedicated user interface for kiosks that have set one up,
Includes a plurality of graphic icons that are switched and displayed for each step according to a touch input,
The plurality of graphic icons,
A kiosk device that responds to touch input for information input and information display. In claim 1,
Further comprising a HMD (Head Mounted Display) for outputting virtual reality content or augmented reality content,
The above program,
The kiosk device further comprising instructions for outputting a vehicle-related product or service received from the information providing server in virtual reality or augmented reality through the HMD. In claim 1,
The above program,
The kiosk device further comprising instructions for providing at least one additional service of recommending a car-related product, recommending a car insurance product, and providing insurance-related information received from the information providing server. In claim 1,
The above program,
In connection with the information providing server, when a user input for selecting a remote consultation menu displayed on the service user interface occurs while executing at least one of a comparison quotation process, a subscription contract process, and a payment process, the information providing server Send a remote consultation service request to
It is connected to a remote counselor terminal through the information providing server or a remote counseling support device connected to the information providing server to share a screen on which the service user interface is displayed, and provides a remote counseling service based on information received from the remote counselor terminal. The kiosk device further comprising instructions to. A plurality of kiosk devices that are installed in places where users who need car insurance information frequently come and go, and provide car insurance product comparison estimates and subscription services, and
Transmit to the kiosk device dedicated user interfaces for kiosks that are connected to the plurality of kiosk devices through a communication network and displayed in stages according to a comparison quotation process, a subscription contract process, and a payment process, and use the information input through the individual user interfaces. Comprising an information providing server that provides the car insurance product comparison estimate and subscription service,
The information providing server,
Transmitting an insurance information inquiry request including the insured person information to the plurality of auto insurance company servers connected through a cyber marketing (CM) channel,
Receiving respective auto insurance products matching the insured person information from the plurality of insurance company servers and whether an insurance company can be acquired,
Generating comparison estimate information based on the respective auto insurance products and whether or not they can be acquired, and transmitting it to the kiosk device,
When receiving a request for subscription of one car insurance product from among the car insurance products included in the comparison estimate information from the kiosk device, the process of subscribing to the car insurance product requested to be subscribed to the kiosk device by interworking with the car insurance company server and Proceed with the payment process,
When the payment process performed by the kiosk device is completed, the payment completion information is transmitted to the car insurance company server to receive subscription contract conclusion information, and the subscription contract conclusion information is transmitted to the kiosk device and the user's terminal. Delivery system. In paragraph 6,
The information providing server,
The plurality of car insurance company servers are connected through a server linkage interface,
The server interworking interface,
Auto insurance information provision system that transmits and receives data using security protocols. In paragraph 6,
The information providing server,
Receive user consent by requesting the kiosk device to agree to terms and conditions and to provide personal information, and to perform identity authentication by connecting the kiosk device to an identity authentication server,
If the identification is successful, requesting the kiosk device to input vehicle information to receive a vehicle number or vehicle identification number,
Request and receive information on collateral conditions including at least one of the driver's possible range, personal compensation, property compensation, automobile injury, uninsured vehicle injury, property accident premium standard, damage to the subject vehicle and compensation according to the injury level,
Request and receive at least one special contract condition information,
An automobile insurance information providing system for generating an insurance information inquiry request based on the vehicle number or the vehicle identification number, the security condition information, and the at least one special agreement condition information and transmitting the request to the plurality of automobile insurance company servers. In paragraph 6,
The information providing server,
Obtaining the insured information from the plurality of car insurance company servers using the insured's vehicle number or vehicle vehicle information received from the kiosk device, and recommending VR (Virtual Reality) content and automobile-related products based on the insured information, At least one service information of car insurance product recommendation and insurance-related information provision is customized to the insured and transmitted to the kiosk device,
The recommended service customized for the insured is,
Car insurance information including UBI insurance (Usage-based insurance) recommendation using at least one of vehicle accident history information, vehicle use information, and insured person information received from the plurality of insurance company servers based on the vehicle number or the vehicle identification number Delivery system. In paragraph 6,
The information providing server,
Auto insurance or car related VR (Virtual Reality) content, Augmented Reality (AR) content, car related product recommendation, car insurance product recommendation, insurance related information, overpaid insurance premium inquiry, vehicle accident history inquiry and insurance related A system for providing car insurance information, further providing a service including at least one of issuing a certificate to the kiosk device. In paragraph 6,
The information providing server,
Transmitting a plurality of user interfaces (UIs) according to the car insurance product comparison quotation and subscription service logic to the kiosk device step by step, receiving user information through the transmitted user interface, and transmission details of the user interface and the user Stores a service log including information received,
When a remote counseling service request is received from the kiosk device, a remote counseling communication channel is created between the remote counselor terminal and the kiosk device to share the user interface screen provided to the kiosk device, and proceeded from the kiosk device based on the service log. An automobile insurance information providing system that provides service usage details to the remote counselor terminal. In paragraph 6,
Further comprising a remote counseling support device connected to the information providing server and the remote counselor terminal,
The information providing server,
Transmitting a plurality of user interfaces (UIs) according to the car insurance product comparison quotation and subscription service logic to the kiosk device step by step, receiving user information through the transmitted user interface, and transmission details of the user interface and the user Stores a service log including information received,
When a remote counseling service request is received from the kiosk device, requesting the remote counseling support device to connect to the remote counseling service together with the information of the kiosk device,
The remote consultation support device,
By creating a remote counseling communication channel between the remote counselor terminal and the kiosk device to share a user interface screen provided to the kiosk device, and receiving a service use history performed by the kiosk device from the information providing server based on the service log Car insurance information providing system provided to the remote counselor terminal. In paragraph 6,
The information providing server,
Provides a kiosk-specific user interface including a plurality of graphic icons that are switched and displayed for each step according to a touch input by setting at least one of a screen arrangement, an icon type, and a graphic type of information in consideration of a viewing angle or recognition area to the kiosk device And, Car insurance information providing system for providing a car insurance comparison estimate and subscription contract service through the dedicated user interface for the kiosk.

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