KR20210124029A - Method and system for supporting insurance sales - Google Patents

Abstract

Disclosed are a method for supporting insurance sales and a system thereof. According to an embodiment of the present invention, the method for supporting insurance sales freely sends a questionnaire interface without charging to users of social network system (SNS) and provides an analysis result of analyzing an outbreak risk of a disease of an SNS user input through the questionnaire interface to the SNS user and an insurance solicitor through charging to the insurance solicitor so that the insurance solicitor may secure a large number of prospective customer data through an easy way of sending a questionnaire through SNS.

Description

Underwriting support method and underwriting support system

The present invention relates to a technology for providing an insurance sales support solution for an insurance solicitor, and more specifically, through the sending of a questionnaire linked with a social network system (SNS), providing disease treatment information necessary for discovering prospects and communicating with prospects It is related to insurance business support through

As a result of conducting a survey of insurance consumers on the channels they would like to receive product advice on when subscribing to financial products, 'financial company related' was selected with the highest ratio among those related to financial companies, people around, artificial intelligence, and others. It was investigated because it was possible to recommend one product.

Along with this, in general, most people use the 'Internet' the most to obtain necessary information, and when communicating with others, text messages such as 'social network system (SNS)' are the most used medium was investigated with

From this, in order to further strengthen insurance sales for prospects who have not yet purchased insurance, a DB of professional insurance planners was established, and among users of social network systems, appropriate insurance was provided for prospective customers who wish to design insurance. It can be seen that there is a need for a platform that can design and recommend insurance products that are most suitable for prospective customers by matching designers and supporting natural consultation with insurance planners through social network systems.

In addition, the majority of prospective customers in the survey were found to have an intention to improve their health by using the health support service provided by insurance companies, and showed a great deal of interest in health management of themselves and their families.

Accordingly, if you continue to provide a customized health improvement program in consideration of the health condition of prospective customers, for example, a program to manage stress, diet, lifestyle, exercise, etc., even if you do not want to purchase insurance now, you can purchase insurance in the future. It is judged that it will be possible to secure potential customers who can consider

In an insurance business environment where it is increasingly difficult to find and communicate with prospects relying on the sales power of insurance solicitors, and it is difficult to highlight the differentiation from other insurance companies only through financial consulting, discovering new prospects through the social network system In addition, the establishment of a family health consulting platform through continuous communication with prospective customers by providing customized health management contents and family history analysis is urgently required to support and strengthen insurance business, and it is also possible to create new profits in the digital insurance era. It can be used sufficiently as a business model.

An embodiment of the present invention provides a customer-tailored health management content for health improvement and an analysis result sheet analyzing the risk of onset by disease of a customer through a social network system, and a new prospect through the social network system The purpose of this is to support the insurance business through the discovery of

An embodiment of the present invention provides an insurance solicitor with an analysis result sheet analyzing the risk of onset by disease of a customer, and aims to support customer-tailored insurance design through design and consultation of insurance products that are optimal for customers.

The embodiment of the present invention analyzes the risk of the spouse and children of the customer with similar physical condition, lifestyle, environment, and medical history to the customer according to the family history analysis algorithm and provides the customer with the need for insurance according to the health condition of the family. It aims to support the insurance business by highlighting it.

In an embodiment of the present invention, a questionnaire interface is freely sent to users of a social network system (SNS) without separate billing, and the analysis result paper that analyzes the risk of onset by disease of the SNS user (customer) input through the questionnaire interface is insured. The purpose of this is to provide support to SNS users and insurance solicitors according to the billing of the insurance solicitors so that they can secure a large number of prospective customer data from the insurance solicitors through an easy method of sending a questionnaire through SNS.

The embodiment of the present invention does not simply provide the insurance solicitor with the result of analyzing the customer's disease risk for each disease, but provides information related to the customer's disease treatment (treatment method, treatment cost, treatment period, etc.), so that the insurance solicitor's It aims to make it possible to use it as a tool for insurance sales through health communication with customers.

An embodiment of the present invention aims to secure platform revenue by charging a subscription fee from an insurance solicitor when a customer subscribes to insurance.

An insurance business support method according to an embodiment of the present invention includes outputting a questionnaire interface to a terminal requesting health care content among terminals using a social network system, and evaluating health data input through the questionnaire interface. Analyzing the onset risk for each disease using the score, and the analysis result sheet created including the disease risk by disease and the business card image of the insurance solicitor terminal matching the terminal, through the social network system, the terminal and when insurance subscription by the insurance solicitor terminal is requested by the terminal confirming the analysis result sheet, insurance product information designed according to the analysis information in the analysis result sheet is provided through the social network system, It may include the step of providing to the terminal.

In the insurance business support method according to another embodiment of the present invention, when a request for transmission of a questionnaire for securing a prospect is generated by an insurance solicitor terminal, it interworks with a social network system (SNS) and provides a questionnaire interface to the terminals of one or more SNS users outputting, based on the health data of the SNS user input through the questionnaire interface, analyzing the risk of disease for each disease of the SNS user himself, and based on the health data of the SNS user, the SNS user The steps of estimating and analyzing the risk of onset for each disease in the family, the disease risk ranking according to the onset risk for each disease, and a graph indicating risk factors that increase the risk of onset for each disease, including the steps of preparing an analysis result sheet; When billing is made by the insurance solicitor terminal requesting to read the analysis result sheet, the step of providing the analysis result sheet as prospect data to the insurance solicitor terminal; further comprising a business card image of the insurance solicitor terminal provided with the analysis result sheet , providing the analysis result sheet to the terminal of the SNS user through the social network system, and when insurance subscription is requested by the SNS user's terminal that has confirmed the analysis result sheet, the risk of disease for each disease in the analysis result sheet In consideration of this, the method may include providing insurance product information designed by the insurance solicitor terminal to the terminal of the SNS user through the social network system.

In addition, the insurance business support system according to an embodiment of the present invention includes an interface unit for outputting a questionnaire interface to a terminal requesting health care content among terminals using a social network system, and health data input through the questionnaire interface A risk analysis unit that analyzes the onset risk for each disease by using the evaluation score of When insurance subscription is requested by the insurance solicitor terminal by the result sheet providing unit provided to the terminal, and the terminal confirming the analysis result sheet, the insurance product information designed according to the analysis information in the analysis result sheet is provided. , an insurance recommendation unit provided to the terminal through the social network system.

In addition, in the insurance business support system according to another embodiment of the present invention, when a request for transmission of a questionnaire for securing a prospect is generated by an insurance solicitor terminal, it is linked with a social network system (SNS), and is sent to the terminals of one or more SNS users. Based on the interface unit for outputting a questionnaire interface, and the SNS user's health data input through the questionnaire interface, the SNS user's own disease risk is analyzed, and based on the SNS user's health data, the SNS A risk analysis unit that estimates and analyzes the risk of disease for each disease of the user's family, and prepares an analysis result sheet, including a disease risk ranking according to the disease risk level, and a graph indicating risk factors that increase the incidence risk for each disease; , When billing is made by the insurance solicitor terminal requesting to read the analysis result sheet, the analysis result sheet is provided to the insurance solicitor terminal as prospect data, and further comprising a business card image of the insurance solicitor terminal provided with the analysis result sheet, When insurance subscription is requested by the result sheet providing unit that provides the analysis result sheet to the SNS user's terminal through the social network system, and the SNS user's terminal confirming the analysis result sheet, the onset of each disease in the analysis result sheet It may include an insurance recommendation unit that provides insurance product information designed by the insurance solicitor's terminal in consideration of the degree of risk to the SNS user's terminal through the social network system.

According to the present invention, the result of analyzing the risk of disease based on health data such as the customer's family history, lifestyle, and genetic information is automatically transmitted to the SNS of each customer and the insurance solicitor to support customer-tailored insurance design through the SNS. can

According to the present invention, in addition to the risk of the customer himself/herself, the risk of the customer's family analyzed according to the family history analysis algorithm may be further provided to the customer, thereby increasing the possibility of purchasing insurance in consideration of the health condition of the family.

According to the present invention, even if the customer does not subscribe to insurance, it is possible to continuously manage prospects by providing customized health management contents in consideration of the health condition to the customer through SNS.

According to the present invention, the health management content provided to the customer may also be provided to the insurance solicitor to inform the insurance solicitor of an appropriate contact time to recommend the customer to purchase insurance.

According to the present invention, insurance business can be strengthened through continuous communication and management with prospective customers by providing customized health care contents.

According to the present invention, it is possible to build a family health consulting platform through family history analysis and customized insurance design support based on the customer's own health data.

According to the present invention, a business model capable of generating revenue through matching between a new prospect and an insurance solicitor terminal through a social network system (SNS) can be implemented.

1 is a diagram illustrating a network including an insurance business support system according to an embodiment of the present invention.
2 is a block diagram illustrating the configuration of an insurance business support system according to an embodiment of the present invention.
3 is a diagram illustrating a flow of a health risk assessment model in consideration of family history in the insurance business support system according to an embodiment of the present invention.
4A to 4D are diagrams illustrating an example of an analysis result sheet in the insurance business support system according to an embodiment of the present invention.
5 is a diagram illustrating provision of health care content through a social network system in the insurance business support system according to an embodiment of the present invention.
6A to 6D are diagrams illustrating an example of a questionnaire interface in the insurance business support system according to an embodiment of the present invention.
7A is a diagram illustrating an example of a table indicating the range of total points belonging to each disease for each age group in the insurance business support system according to an embodiment of the present invention.
FIG. 7B is a diagram illustrating an example of a table showing the risk score for each disease by age group in the insurance business support system according to an embodiment of the present invention.
8 is a diagram illustrating an example of analyzing the risk of onset of a customer and a spouse and children of a customer in the insurance business support system according to an embodiment of the present invention.
9 is a diagram showing the configuration of an insurance business support system according to another embodiment of the present invention.
10 is a diagram illustrating a health data-based insurance business consulting platform provided by the insurance business support system according to another embodiment of the present invention.
11 is a diagram illustrating an example of an application screen for providing information related to a customer's disease treatment to an insurance solicitor terminal in the insurance business support system according to another embodiment of the present invention.
12 is a diagram illustrating a questionnaire delivery process for SNS users in the insurance business support system according to another embodiment of the present invention.
13 is a flowchart illustrating a sequence of an insurance business support method according to an embodiment of the present invention.
14 is a flowchart illustrating an insurance business support method according to another embodiment of the present invention.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. However, since various changes may be made to the embodiments, the scope of the patent application is not limited or limited by these embodiments. It should be understood that all modifications, equivalents and substitutes for the embodiments are included in the scope of the rights.

The terms used in the examples are used for description purposes only, and should not be construed as limiting. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present specification, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other features It should be understood that this does not preclude the existence or addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the embodiment belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

In addition, in the description with reference to the accompanying drawings, the same components are given the same reference numerals regardless of the reference numerals, and the overlapping description thereof will be omitted. In the description of the embodiment, if it is determined that a detailed description of a related known technology may unnecessarily obscure the gist of the embodiment, the detailed description thereof will be omitted.

1 is a diagram illustrating a network including an insurance business support system according to an embodiment of the present invention.

Referring to FIG. 1 , the network 100 may include an insurance business support system 110 , a social network system (SNS) 120 , a customer terminal 130 , and an insurance solicitor terminal 140 .

For example, the insurance business support system 110 may provide a questionnaire interface for inputting health data to the customer terminal 130 who desires customized health management contents among users using the social network system 120 .

Accordingly, users of all ages who use the social network system 120 may naturally flow into new prospects of the insurance company.

A prospect is a person who is likely to purchase insurance, and in the present specification, the customer terminal 130 and their family members 131 and 132 who desire health care contents may be the prospects.

The insurance business support system 110 analyzes the onset risk for each disease of the customer terminal 130 based on the health data input through the questionnaire interface, and provides the analysis result to the customer terminal 130 through the social network system 120 . ) can be provided.

In addition, when insurance is requested from the customer terminal 130 that has confirmed the analysis result sheet, the insurance business support system 110 provides insurance product information designed to guarantee a high-risk disease, the social network system 120 . ) through the customer terminal 130 can be provided.

As such, according to the present invention, it is possible to support customer-customized insurance design through the social network system 120 .

In addition, when the customer terminal 130 agrees to provide the analysis result sheet to the insurance solicitor terminal 140 , the insurance business support system 110 further includes a business card image of the insurance solicitor terminal 140 to provide the analysis result sheet to the customer. The analysis result sheet may be provided to the terminal 130 , and the analysis result sheet may also be provided to the insurance solicitor terminal 140 .

Accordingly, the customer terminal 130 can check the personal information of the insurance solicitor terminal 140 matched to the customer terminal 130, and, if necessary, freely consult with the insurance product and the subscription procedure through conversation or phone call through the social network system 120 , you can inquire.

According to an embodiment, the insurance business support system 110 may provide customized health management contents to the customer terminal 130 that does not request insurance to continuously manage prospects, such as notifying the need for insurance subscription. .

Accordingly, when the insurance solicitor terminal 140 contacts the customer terminal 130 at the time of providing the customized health care content to recommend insurance, the possibility of insurance subscription can be increased.

As described above, according to the present invention, customer-customized insurance can be designed in a non-face-to-face, minimal contact with the customer terminal 130 , thereby saving time and cost of the insurance solicitor terminal 140 , and in particular, the social network system 120 . ) through continuous contact with the customer terminal 130 to form intimacy, thereby increasing the success rate of insurance sales.

According to an embodiment, the insurance sales support system 110 may set the customer's spouse 131 and children 132 as prospective customers in addition to the customer himself, and according to the family history analysis algorithm, the customer's health data (eg, physical condition) or lifestyle, environment, medical history, etc.) can be further analyzed for each disease risk of the spouse 131 and the child 12, and the analysis result sheet can be prepared.

Accordingly, according to the present invention, it is possible to induce the customer to purchase insurance in consideration of not only his or her own health condition, but also the health condition of spouses and children in consideration of family histories, particularly high-risk diseases.

The insurance business support system 110 may be implemented in the form of a separate server connected to the social network system 120 or the insurance company system (not shown) and the network 100 as shown in FIG. 1, but the social network system 120 Alternatively, it may be implemented by being included in the insurance company system.

For example, the insurance business support system 110 may be implemented by being included in the social network system 120 to generate revenue when providing analysis results and health care contents through the social network system 120 , , may be implemented by being included in the insurance company system (not shown) to match the insurance solicitor terminal 140 to the customer terminal 130 or generate revenue when registering as a member of the insurance solicitor terminal 140 .

As described above, according to the present invention, it is possible to build a business model that creates a new profit by providing an analysis result sheet and health management contents or by playing an intermediary role of matching the insurance solicitor terminal 140 to the customer terminal 130 .

Prior to the implementation of the invention, the insurance business support system 110 may produce a 'family history consulting' app and distribute it to the customer terminal 130 requesting download.

The customer terminal 130 can input their health data through the app, read the results of analyzing the risk of disease for the customer and his or her family, or customized insurance product information and health management contents designed for the customer. can also be checked.

2 is a block diagram illustrating an internal configuration of an insurance business support system according to an embodiment of the present invention.

Referring to FIG. 2 , the insurance business support system 200 according to an embodiment of the present invention includes an interface unit 210 , a risk analysis unit 220 , a result sheet providing unit 230 , and an insurance recommendation unit 240 . can be configured including In addition, according to an embodiment, the insurance business support system 200 is configured by adding a content providing unit 250 , a matching unit 260 , a table management unit 270 , a program DB 281 , and a designer DB 282 , respectively. can do.

The interface unit 210 outputs a questionnaire interface for inputting health data to a terminal that desires customized health management content among terminals using a social network system. Accordingly, new prospects among users of the social network system may flow in.

Here, the health data may be an evaluation score of the customer with respect to body data such as the customer's age, gender, height, and weight. In addition, the health data may be a customer's evaluation score on environmental data such as the customer's residence and occupation. In addition, the health data may be a customer's evaluation score for lifestyle data such as the customer's eating habits, smoking, drinking, and exercise frequency. In addition, the health data may be a customer's evaluation score for medical history data, such as a current disease, a past disease, a family history, and a genetic history of the customer.

That is, the interface unit 210 may output a questionnaire interface for inputting the evaluation score given by the terminal for each of body data, environment data, lifestyle data, and medical history data.

For example, referring to FIG. 6A , the interface unit 210 evaluates at least one of physical data of age and gender, height and weight of a customer who owns the terminal, and environmental data of at least one of residence and occupation of the customer. The questionnaire interface 610 for inputting the score may be output to the customer's terminal.

Referring to FIG. 6B , the interface unit 210 may output a questionnaire interface 620 for inputting an evaluation score for at least one lifestyle data among the customer's eating habits, smoking, drinking and the number of times of exercise to the customer's terminal. have.

Referring to FIGS. 6C to 6D , the interface unit 210 provides a questionnaire interface (630, 640) for inputting evaluation scores for at least one medical history data of the customer's current disease, past disease, family history, and genetic history. can be output to the terminal of

However, the interface unit 210 may disallow the duplicate check of the family history in the questionnaire interface 640 . For example, even if there is one parent and one grandparent having gastric cancer as a family history, the customer terminal may give an evaluation score of the family history of 2 points, even if there are two parents with a family history of diabetes and one grandparent, The customer terminal may give the evaluation score of the family history as 6 points.

The evaluation scores input through the questionnaire interfaces 610 to 640 may be accumulated and used to analyze the risk of onset for each disease.

According to an embodiment, the interface unit 210 distributes a 'family history consulting' app to a terminal that wants to input health data online, and outputs the questionnaire interfaces 610 to 640 through the app to input health data (evaluation score). In addition, to a terminal that wants to input health data offline, health data (evaluation score) may be manually input through a printout of a questionnaire interface.

The risk analysis unit 220 analyzes the onset risk for each disease by using the evaluation score on the health data input through the questionnaire interface, and the business card image regarding the disease risk by disease and the insurance solicitor terminal matching the terminal. Including, the analysis result sheet is prepared.

As an example of analyzing the customer's disease risk for each disease, the risk analysis unit 220 is a total score that accumulates evaluation scores for age, gender, lifestyle, environment, medical history, etc. input by the customer through the questionnaire interface. ), divided by the risk score (M) for each disease, which represents the average risk of disease for each disease of the same age group as the customer, the customer's disease risk (N) can be analyzed.

[Formula 1]

Risk of disease by disease (N) = Total score / Risk score by disease (M)

Here, the customer's risk of developing a disease for each disease may mean a degree to which the customer has a higher or lower risk of developing the disease than a normal person of the same age group. For example, if the customer's risk of developing each disease calculated according to Equation 1 is N times, if N is a value less than '1' (eg, '0.8 times'), the customer has the disease compared to normal people of the same age group. If the risk of developing the disease is low and the N is a value greater than '1' (eg, '2 times'), the risk of developing the disease is high for customers compared to normal people of the same age group, and the N is a value close to '1' The higher (eg, '0.001 times'), the higher the risk of developing a disease for a customer can be analyzed as an average.

In addition, the risk score (M) for each disease may mean a degree to which users belonging to a specific age group have a relatively high or low risk of developing the disease compared to users of other age groups. In other words, for a certain disease, if the average risk of occurrence of users in a specific age group is greater than that of users in other age groups, the specific age group will be given a relatively higher risk score than that of other age groups. can

The risk acquisition score (M) for each disease may also be referred to as a 'first quartile' or a 'standard score of a healthy adult'.

For example, the age group (eg, '20-29') with the lowest average risk of developing a disease (eg, 'diabetes') is given the lowest risk score ('3.125' in FIG. 7B), and the disease The age group (eg, '55-59', '65 or more') with the highest average risk of developing (eg, 'diabetes') may be given the highest risk score ('7.125' in FIG. 7B).

When calculating the risk (N) for each disease of the customer in Equation 1 above, instead of simply averaging the total of evaluation scores for customer health data, the risk score for each disease of the age group to which the customer belongs (M) By taking this into account, it is possible to more accurately calculate the risk of developing a disease in a customer, taking into account the trend regarding the risk of developing a disease according to age.

Therefore, the insurance business support system 200 prepares a table (eg, FIG. 7b ) about the risk score (M) for each disease that is given according to the average risk of onset of users belonging to the age group, and uses the table (eg, FIG. 7b ) for each customer. You can quickly analyze the risk of developing each disease. To this end, the insurance business support system 200 of the present invention may further include a table management unit 270 .

The table management unit 270 classifies the disease risk of normal people collected from the Statistical Office server into each age group, and averages the disease risk of the normal people classified into each age group, and the disease in each age group. Calculate the average risk of each disease, and prepare a table in which a risk score (M) for each disease is assigned to each age group according to the average disease risk for each disease.

As such, the table management unit 270 may calculate the average risk of disease by disease in each age group and give a risk score (M) for each disease, but the average risk of disease for each disease in each age group is calculated by the National Statistical Office. The risk score (M) for each disease may be collected from the server, and the risk score (M) for each disease given to each age group may be collected from the Statistical Office server.

Here, the Statistical Office server may be an operation server of the National Statistical Office that collects data from a server of an authorized medical-related institution such as the National Health Insurance Corporation or the National Medical Center and analyzes it statistically, or it may be a server of a medical-related institution.

The table management unit 270 may periodically collect the onset risk level for each disease of a normal person from the Statistical Office server, and update the table at a selected time point.

At this time, since the incidence risk of men and women may be different depending on the disease, the table management unit 270 calculates the average incidence risk for each disease in consideration of the gender, and accordingly calculates the risk score (M) for each disease. can be given

For example, referring to FIG. 7B , the table management unit 270 controls '20 to 29', '30 to 34', '35 to 39', '40 to 49', '50 to 54', and '55 to 59'. For each of the eight age groups of , '60 to 64', and '65 or more', a table 720 showing the risk score for each disease may be prepared.

As shown in the table 720, the risk score of 'stomach cancer' of the age group of '20 to 29' is '3 points', and the risk score of 'stomach cancer' of the age group of '65 or more' is '8'. The 'dot' indicates that, on average, the age group of '65 and over' has a much higher probability of developing 'gastric cancer' than the age group of '20-29'.

Based on Equation 1 that calculates the risk (N) for each disease of the customer and the table about the risk score for each disease, the risk analysis unit 220 calculates the total score obtained by accumulating the evaluation scores input through the questionnaire interface. , by dividing by the risk score for each disease given to the age group to which the customer who owns the terminal belongs, it is possible to calculate the disease risk for each customer).

For example, referring to FIG. 8 , the risk analysis unit 220 calculates an onset risk (N) for each disease of a '22-year-old male' customer, the age score ('1) assigned to the customer himself in the questionnaire interface. '), gender score ('1'), smoking score ('0'), and residence/present history/family history score ('2'). It can be divided by the risk acquisition score ('3'), and at this time, the customer's disease risk (N) can be calculated as approximately '1.3 times'.

In addition, the risk analysis unit 220 may analyze the disease risk (N) of at least one family customer among spouses, children, and parents designated by the customer.

To this end, the risk analysis unit 220, according to the family history analysis algorithm, among the health data about the customer, the customer's age, gender, weight, residence, smoking, family history, and the evaluation score input to at least one of the current disease Using this, it is possible to analyze the risk of disease by disease for family customers.

As an example of calculating the risk of onset by disease of the customer's spouse, the risk analysis unit 220 performs a first evaluation on the spouse's gender and secondhand smoke from the customer's gender and smoking evaluation score input through the questionnaire interface. Estimating a score, calculating the total score for the spouse by accumulating and adding the estimated first evaluation score to the evaluation score input to at least one of the customer's age, residence, family history, and current disease; By dividing the total score on the spouse by the risk score for each disease assigned to the age group to which the spouse belongs, identified in the table, the risk of developing each disease for the spouse may be calculated.

For example, referring to FIG. 8 , the risk analysis unit 220 makes the age score and residence/present history/family history score the same as the customer when calculating the disease risk of the customer's spouse, and the gender score is opposite to the customer Let the score by gender, and the smoking score as the secondhand smoke score, which is a part of the customer's smoking score (eg '30%'), and the total score ('3'), which is the cumulative sum of each evaluation score, with the customer's spouse's gender It can be divided into the risk acquisition score according to age, that is, the score corresponding to the '8th quartile' to the '1st quartile' ('2.125'). can The 'first quartile' refers to the reference score of a healthy adult.

As an example of calculating the risk of occurrence for each disease of the customer's child, the risk analysis unit 220 uses the age and smoking evaluation score of the customer input through the questionnaire interface to determine the child's age and second-hand smoke. Estimating an evaluation score, accumulating the estimated second evaluation score to the evaluation score input in at least one of the customer's residence, family history, and current disease to calculate a total score for the child, By dividing the total score for each disease, identified in the table, by the risk score for each disease given to the age group to which the child belongs, it is possible to calculate the incidence risk for each disease for the child.

For example, referring to FIG. 8 , the risk analysis unit 220 sets the residence/present history/family history score the same as the customer's, but does not use the gender score, and uses the smoking score when calculating the customer's child's disease risk for each disease. The secondhand smoke score, which is a part of the customer's smoking score (eg '20%'), is estimated by subtracting the selected value ('31') from the customer's age (however, if there is a child, at least '1 year old'). Using the child's age score, the total score ('4'), which is the cumulative sum of each evaluation score, can be divided into the risk score score according to the age of the customer's child ('1.375'). N) can be calculated as approximately '2.9 times'.

For example, the risk analysis unit 220 may list each disease in the order of the incidence risk for each disease, create a graph regarding the disease risk ranking, and create the analysis result sheet including the graph.

As another example, the risk analysis unit 220 visualizes a disease having a higher incidence risk than the average incidence risk to the right from the reference point when the average incidence risk of normal persons of the same age group is used as a reference point, and is higher than the average incidence risk. A disease with a low incidence risk can be visualized to the left from the reference point.

As another example, the risk analysis unit 220 analyzes risk factors that increase the risk of onset for a risk disease with a high risk of onset for each disease, and assigns each of the risk factors according to the degree of association with the risk of onset. , by arranging on concentric circles with different radii to create a radial graph related to the risk factor, and further including the radial graph, it is possible to create the analysis result sheet.

As another example, the risk analysis unit 220 analyzes a certain number of diseases listed at the top as a risk disease of a customer who owns the terminal when each disease is listed in the order of the incidence risk for each disease, The analysis result sheet can be prepared by further including the annual treatment cost for the dangerous disease collected from the Statistics Office server.

As another example, the risk analysis unit 220 analyzes the obesity degree (BMI) of the customer who owns the terminal according to the evaluation score given to the height and weight among the body data, input through the questionnaire interface, and the The health insurance age of the customer is analyzed by adding or subtracting a certain value to the evaluation score given to age among the physical data according to the risk of onset for each disease, and the obesity degree (BMI) of the customer, the insured health age, and the insured health age The analysis result sheet may be prepared by further including insurance premium discount information determined according to .

The risk analysis unit 220 uses the evaluation score of at least one of the age and gender, weight, residence, smoking, family history, and current disease of the customer who owns the terminal, input through the questionnaire interface, the customer's By analyzing the disease risk of at least one family customer among spouses, children, and parents, and further including the disease risk of each family customer, the analysis result sheet can be written.

Hereinafter, an example of preparing the analysis result sheets 410 to 470 will be described with reference to FIGS. 4A to 4D .

For example, as shown in FIG. 4A , the risk analysis unit 220 lists each disease or the icon of each disease in an axial shape in the order of the onset risk for each disease, and among the diseases, the risk of onset is the highest. A certain number of dangerous diseases ('colon cancer', 'high blood pressure', liver cancer) are classified using color or motion, and the axis is the risk ranking of each disease in the customer who owns the terminal ('disease prediction risk level) ') may be included in the analysis result sheet 410 .

At this time, the risk analysis unit 220 visualizes the first disease with a higher risk of the customer to the right, based on the average risk of onset ('1 times', the reference point on the axis) of normal people of the same age group, and the onset of the customer A left-right comparison graph ('the average risk of onset compared to the average of men in their 40s') in which the second disease having a lower risk is visualized to the left may be included in the analysis result sheet 410 .

Specifically, the risk analysis unit 220 uses the bar graph visualized on the axis to determine the onset risk (N times) of each disease, and the average risk of onset ('1 times', on the axis) of normal people of the same age group. A bar graph of a first disease (eg, 'colon cancer') that is higher than the average risk of occurrence is visualized to the right in proportion to the value of the risk of the first disease, and the average onset is displayed to be contrasted with a reference point) A bar graph of a second disease (eg, 'lung cancer') lower than the risk may be visualized to the left in proportion to the value of the risk of the second disease.

In addition, the risk analysis unit 220, as shown in FIG. 4b, analyzes the risk of developing a risky disease ('family disease risk') with a high risk of developing the spouse and children of the customer who owns the terminal in the analysis result sheet 430. more can be included.

In addition, the risk analysis unit 220 analyzes a certain number of dangerous diseases ('colon cancer', 'high blood pressure', 'liver cancer') in the order of the incidence risk for each disease, and among the health data input by the terminal, A risk factor that increases the risk of developing the risk disease may be analyzed, and the analysis result sheet 430 may be prepared by further including the risk factor.

For example, the risk analysis unit 220 analyzes a certain number of dangerous diseases ('colon cancer', 'high blood pressure', 'liver cancer') according to the incidence risk for each disease, and among the health data input by the terminal, Analyze risk factors ('blood pressure', 'obesity', 'lack of exercise') with a high degree of association with the risk disease, and the radius shown in FIG. 4c for each risk factor according to the degree of association with the risk disease It is displayed using a radial graph visualized on different concentric circles, and further including a radial graph related to risk factors, the analysis result sheet 450 can be prepared. In the case of 'Mimi Kim' customers, 'blood pressure', 'obesity', and 'lack of exercise' are major risk factors that increase the risk of developing the above risk diseases ('colon cancer', 'hypertension', 'liver cancer'), so risk analysis department 220 can visualize them in concentric circles with the largest radius.

In addition, as shown in FIG. 4c, the risk analysis unit 220 further includes the annual treatment cost ('Your risky disease and expected treatment cost') for each treatment related to the risky disease collected from the Statistical Office server, the analysis result sheet (440) can be written.

In addition, the risk analysis unit 220, as shown in Fig. 4c, analyzes the degree of obesity (BMI) using the height and weight of the customer who owns the terminal in the health data, and further includes the analyzed degree of obesity (BMI) Thus, the analysis result sheet 460 can be prepared.

In addition, as shown in Fig. 4c, the risk analysis unit 220 analyzes the insurance health age by adding or subtracting a certain value to the actual age of the customer in the health data according to the onset risk for each disease, and The analysis result sheet 470 may be prepared by further including insurance premiums that become cheaper according to the insurance health age or insurance premium discount information.

Here, the insurance health age is reduced by a certain value from the customer's actual age if the customer's disease risk is lower than the average risk of a normal person in the same age group, that is, if the customer is healthy. If is higher than the average risk of onset of normal people of the same age, that is, when the onset of the disease is expected with a high probability for the customer, a certain value may be added to the actual age of the customer. In addition, insurance premium discount information may be added as the insurance health age decreases.

The result sheet providing unit 230 provides the prepared analysis result sheet to the terminal through the social network system.

As an example, the result sheet providing unit 230 compares the disease with high or low risk based on the graph regarding the customer's disease risk ranking, the disease risk of each family customer, and the average risk of normal people of the same age group. One graph, a radial graph of risk factors that increase the risk of developing a high-risk disease by disease, annual treatment cost for a risky disease, the customer's obesity degree (BMI) and the insured health age and the insured health age It is possible to provide to the terminal through the notification talk of the social network system, the determined insurance premium discount information, the analysis result sheet prepared including the business card image of the matched insurance solicitor terminal, or a link to read the analysis result sheet have.

At this time, the result sheet providing unit 230 asks the terminal whether or not to agree on the provision of information to the insurance solicitor terminal with the selected qualification, and if agreed, when providing the analysis result sheet to the terminal, to the terminal The analysis result sheet may also be provided to the matching insurance solicitor terminal.

For example, referring to FIG. 3 , the result sheet providing unit 230 requests the terminal to consent to the provision of personal information (step 340), and when the terminal agrees to the provision of personal information, it is connected to the insurance channel of the social network system Thus, an alert talk providing an analysis result sheet is sent to the terminal (step 350), and an alert talk providing the analysis result sheet is also sent to the insurance solicitor terminal to which the terminal has agreed (step 360).

In this case, in exchange for the terminal to agree to the provision of personal information, the content providing unit 250 to be described later may provide customized health management content to the terminal.

If the terminal does not agree to the provision of personal information, the result sheet providing unit 230 may send the notification talk providing the analysis result sheet only to the terminal.

According to an embodiment, the interface unit 210 outputs the questionnaire interface for providing health care content to a terminal that agrees to provide information to an insurance solicitor terminal with a selected qualification among terminals using the social network system. You may.

That is, according to the present invention, it is possible to output the questionnaire interface only to the terminal that agrees to the provision of the analysis result sheet (personal information provision) to the insurance solicitor terminal in the first place, so that the health care content can be provided according to the analysis result.

When insurance subscription by the insurance solicitor terminal is requested from the terminal confirming the analysis result sheet, the insurance recommendation unit 240 provides insurance product information designed in consideration of the analysis information in the analysis result sheet through the social network system. provided to the terminal.

Even in this case, when the insurance product information is provided to the terminal that has agreed to provide the information to the insurance solicitor terminal with the selected qualification, the insurance recommendation unit 240 may also provide the insurance product information to the insurance solicitor terminal matching the terminal. .

The insurance recommendation unit 240 generates a chat window between the terminal and the insurance solicitor terminal through the social network system in response to the request for insurance subscription, and selects the previously subscribed insurance product of the terminal checked through the chat window. In further consideration, the insurance product information may be designed.

In addition, when a family customer such as a spouse or a child is designated by the customer who owns the terminal, the insurance recommendation unit 240 provides the family customer in the analysis result sheet according to the request for insurance subscription by the terminal. It is possible to recommend and provide family insurance information designed in consideration of the risk of disease for each disease to the terminal through the social network system.

According to an embodiment, the insurance business support system 200 of the present invention may further include a content providing unit 250 and a program DB 281 to provide customized health care content.

The content providing unit 250 provides health management content produced according to the analysis information in the analysis result sheet at a predetermined period when the insurance subscription is not requested from the terminal within a certain period of time from the provision of the analysis result sheet. It is provided to the terminal through a network system.

The interface unit 210 notifies the insurance solicitor terminal whenever the health management content is provided, so as to induce the insurance solicitor terminal to periodically transmit an insurance subscription guide message.

For example, referring to FIG. 5 , the content providing unit 250 regularly creates and provides customized health care content to the terminal 510 that does not request insurance, and provides it through the social network system, and the interface unit ( 210, by notifying the provision of customized health care content to the terminal 510 to the insurance solicitor terminal 520 matching the terminal 510 through the social network system, an appropriate contact time to recommend the customer to purchase insurance once again You can tell your insurance agent.

The program DB 281 maintains a risk factor improvement program of at least one of a stress management program, an exercise program for maintaining an appropriate weight, a smoking cessation program, a sobriety program, and a regular checkup program.

The content providing unit 250 may select an improvement program related to the risk factor in the analysis result sheet from the program DB 281, and use the selected improvement program to produce customized health care content.

For example, if the content providing unit 250 analyzes that a risk disease with a high risk of developing the terminal is 'hypertension' and a risk factor that increases the risk of developing a dangerous disease is 'lack of exercise', the customer's It is possible to find an appropriate exercise program in consideration of the degree of obesity from the program DB 281 to produce customized health management contents, and to provide it to the terminal through a social network system on a regular basis once a month.

According to an embodiment, the insurance business support system 200 of the present invention may further include a matching unit 260 and a designer DB 282 .

The solicitor DB 282 maintains the agent information including the business card image of the insurance solicitor terminal requesting subscription in association with the SNS ID used by the insurance solicitor terminal.

Here, the information on the solicitor may be a designable insurance type, affiliated insurance company, insurance design experience, gender and age of the insurance solicitor, contact information, and a business card image.

The matching unit 260, when the risk disease of the customer who owns the terminal or a family customer designated by the customer is analyzed from the risk of occurrence for each disease, the insurance solicitor terminal with more than a certain experience specializing in the dangerous disease , is retrieved from the designer DB 282 and matched to the terminal.

In addition, when the provision of the analysis result sheet to the insurance solicitor terminal is rejected by the terminal confirming the business card image, the matching unit 260 provides another insurance solicitor terminal searched again from the planner DB 282 to the terminal. can match.

Alternatively, instead of changing the insurance solicitor terminal, the result sheet providing unit 230 may propose to the terminal blind processing of some information in the analysis result sheet to be provided to the insurance solicitor terminal. The information to be processed here blindly may be a history of obstetrics and gynecology or psychiatric disease, a history of taking, a disease that has been suffered a long time ago, and the like.

According to an embodiment, the insurance business support system 200 of the present invention distributes a 'family history consulting' app to a terminal that wants to input health data online, and may output a questionnaire interface through the app, and may include an analysis result sheet and , insurance product information, and customized health management contents can also be provided to the terminal through the 'family history consulting' app.

3 is a diagram illustrating a flow of a health risk assessment model in consideration of family history in the insurance business support system according to an embodiment of the present invention.

According to the health risk assessment model 300 in consideration of the family history shown in FIG. 3 , the insurance business support system of the present invention outputs a questionnaire interface to the customer terminal through the 'family history consulting' app, and from the customer terminal through the questionnaire interface Health data is input (step 310).

The insurance business support system analyzes the customer's own disease risk for each disease from the health data input by the customer terminal (step 320), and prepares an analysis result sheet including the disease risk for each disease (step 330).

In addition, the insurance sales support system determines the risk of each disease for each of the customer's spouse and children from the customer's own health data, according to the family history analysis algorithm that takes into account the fact that the customer and the customer's family are similar in lifestyle, environment, and genetics. can be further analyzed to create an analysis result sheet.

Before providing the prepared analysis result sheet to the customer terminal, the insurance business support system inquires the customer terminal whether it agrees to provide the analysis result sheet to the insurance solicitor's terminal (step 340). This step 340 may be a process of performing a normal consent procedure regarding the provision of personal information (analysis result sheet) to a third party (insurance solicitor).

The insurance business support system provides the analysis result sheet through a social network system (SNS) to the customer terminal agreeing to the provision of personal information (step 350). The analysis result sheet is also provided to the insurance solicitor terminal matching the customer terminal (step 360).

In some embodiments, the insurance business support system may provide a link through which the analysis result sheet can be viewed through a social network system. Accordingly, the customer terminal or the insurance solicitor terminal may read the analysis result sheet through the page connected through the link.

In this case, the analysis result sheet provided to the customer terminal may further include a business card image of the matched insurance solicitor terminal, and accordingly, the customer terminal directly contacts the insurance solicitor terminal to inquire or consult on insurance products.

Even if the insurance sales support system does not request insurance subscription from the customer terminal that has confirmed the analysis result sheet, for follow-up management, the insurance business support system creates customized health management content for the customer and provides it regularly to the customer terminal through the social network system (step 370) . The SNS message delivered to the customer terminal may include a link for viewing customer-tailored health care content.

4A to 4D are diagrams illustrating examples of analysis result sheets in the insurance business support system according to an embodiment of the present invention.

4A to 4D , the insurance business support system of the present invention analyzes the onset risk for each disease of the customer who inputs his or her health data through the questionnaire interface, and accordingly, the customer's disease risk rate ranking, the family's Risk factor, annual treatment cost of risk diseases with high risk for customers, risk factors that increase the risk of developing dangerous diseases for customers ('blood pressure', 'obesity', 'lack of exercise', etc.), obesity (BMI) of customers ), etc., the insurance health age of the customer, and the business card image of the insurance solicitor terminal including the contact information of the insurance solicitor, and prepare the analysis result sheet (410 to 470), It can be provided to the insurance solicitor terminal through a social network system.

5 is a diagram illustrating provision of health care content through a social network system in the insurance business support system according to an embodiment of the present invention.

Referring to FIG. 5 , the insurance business support system of the present invention confirms the analysis result sheet, but does not generate an insurance subscription request, and the analysis information in the analysis result sheet, in particular, increases the risk of developing dangerous diseases. Customized health management content for improving risk factors may be produced and provided to the terminal 510 regularly through a social network system.

At this time, the insurance business support system notifies the provision of customized health care content to the terminal 510 to the insurance solicitor terminal 520 matched to the terminal 510 through the social network system, and at this time, the insurance solicitor terminal 520 ) to the terminal 510 to recommend insurance subscription. That is, according to the present invention, it is possible to inform the optimal contact timing for performing insurance business from the insurance solicitor terminal 520 to the terminal 510 .

6A to 6D are diagrams illustrating an example of a questionnaire interface in the insurance business support system according to an embodiment of the present invention.

6A to 6D , the insurance business support system of the present invention may output the questionnaire interface 610 to 640 for checking the customer's body, lifestyle, environment, medical history, etc. to the terminal.

Specifically, as shown in FIG. 6A, the insurance business support system of the present invention provides information on at least one of physical data of age and gender, height and weight of a customer who owns a terminal, and environmental data of at least one of residence and occupation of the customer. The questionnaire interface 610 for inputting the evaluation score may be output to the customer's terminal.

In addition, as shown in FIG. 6b, the insurance business support system of the present invention provides a questionnaire interface 620 for inputting evaluation scores for at least one lifestyle data among the customer's eating habits, smoking, drinking, and exercise frequency to the customer's terminal. can be printed on

In addition, the insurance business support system of the present invention may output, to the customer's terminal, a questionnaire interface 630 for inputting evaluation scores for the customer's current disease or past disease, as shown in FIG. 6C .

In addition, the insurance business support system of the present invention may output a questionnaire interface 640 for inputting evaluation scores for family history or heredity to the customer's terminal, as shown in FIG. 6D . In this case, the questionnaire interface 640 may disallow the duplicate check of the family history.

Therefore, the customer gives the evaluation score of the family history as 2 points in the questionnaire interface 640 even if there is one parent and one grandparent having gastric cancer as a family history, two parents having diabetes as a family history, and one grandparent Even if it is a single person, the evaluation score of the family history can be given as 6 points.

The evaluation scores input through the questionnaire interfaces 610 to 640 may be accumulated and used to analyze the risk of onset for each disease.

7A is a diagram illustrating an example of a table showing the range of total points belonging to each disease for each age group in the insurance business support system according to an embodiment of the present invention.

Referring to FIG. 7A , the insurance business support system of the present invention provides a range of total scores for each disease corresponding to the age group ('20 to 29') to which the customer's age ('22') belongs (eg, stomach cancer: '1 to 17 ′) can be identified from table 710 .

In the insurance business support system of the present invention, if the total score obtained by accumulating the evaluation scores (health data) of the customers input through the questionnaire interface falls within the range of the total scores (eg, stomach cancer: '1 to 17'), the customer It can be analyzed that the disease ('gastric cancer') has occurred in

FIG. 7B is a diagram illustrating an example of a table showing the risk score for each disease by age group in the insurance business support system according to an embodiment of the present invention.

Referring to FIG. 7B , the insurance business support system of the present invention may prepare a table 720 relating to the risk score M for each disease in advance in order to easily analyze the onset risk for each disease for each customer.

For example, the insurance business support system of the present invention periodically collects the average risk of disease for each age group from the Statistics Office server, and calculates the risk score (M) for each disease, which is given according to the collected average risk for each disease, for each age group. A table 720 may be prepared by association with a group.

For example, in the insurance business support system of the present invention, as shown in FIG. 7B , '20 to 29', '30 to 34', '35 to 39', '40 to 49', '50 to 54', and '55 For each of the eight age groups of '~59', '60~64', and '65 or more', a table 720 showing the risk score for each disease may be prepared.

Accordingly, the insurance business support system of the present invention checks the risk acquisition score (M) for each disease, which is given to the age group to which the customer who owns the terminal belongs, from the table 720 when calculating the disease risk for each customer, By dividing the total score obtained by accumulating the evaluation scores input through the questionnaire interface by the risk score score (M) for each disease, it is possible to calculate the incidence risk for each disease for the customer.

8 is a diagram illustrating an example of analyzing the risk of onset of a customer and a spouse and children of a customer in the insurance business support system according to an embodiment of the present invention.

Referring to the table 810 shown in FIG. 8, the insurance business support system of the present invention calculates the total score by accumulating the evaluation scores of age, gender, smoking, residence, current history, and family history input through the questionnaire interface, By dividing by the risk score (M) for each customer and disease, it is possible to calculate the incidence risk (N) for each disease.

For example, if the customer is 'a 22-year-old male', the insurance sales support system of the present invention provides the age score ('1'), gender score ('1') and smoking score ('0') given to the customer himself in the questionnaire interface. ') and residence/present history/family history score ('2'), the total score ('4') is divided by the risk score ('3') according to the customer's gender and age, and the onset of each customer's disease The degree of risk (N) can be roughly calculated as '1.3 times'.

In addition, the insurance business support system of the present invention uses the evaluation score input to at least one of the customer's age, gender, weight, residence, smoking, family history, and current disease among health data about the customer according to the family history analysis algorithm. Thus, it is possible to analyze the risk of disease of the customer's spouse and children.

For example, the insurance business support system of the present invention makes the age score and residence/present history/family history score the same as the customer's when calculating the spouse's disease risk (N), and sets the gender score as the score of the opposite sex to the customer. The smoking score is the secondhand smoke score, which is a part of the customer's smoking score (eg '30%'), and the total score ('3') that is the cumulative sum of each evaluation score is calculated by the customer's spouse's gender and age group By dividing the earned score, that is, the score corresponding to the '1st quartile' in the '8th quartile' ('2.125'), the spouse's risk of developing each disease (N) can be roughly calculated as '1.4 times'. The 'first quartile' refers to the reference score of a healthy adult.

In addition, the insurance business support system of the present invention sets the residence/present history/family history score the same as the customer's, but does not use the gender score, and sets the smoking score as part of the customer's smoking score when calculating the child's disease risk (N). (e.g., '20%'), which is the secondhand smoke score, and the age after subtracting the selected value ('31') from the customer's age (however, if there is a child, at least '1 year old') , by dividing the total score ('4'), which is the cumulative sum of each evaluation score, by the risk score score ('1.375') according to the age of the customer's child, can be calculated.

9 is a diagram showing the configuration of an insurance business support system according to another embodiment of the present invention.

Referring to FIG. 9 , an insurance business support system 900 according to another embodiment of the present invention includes an interface unit 910 , a risk analysis unit 920 , a billing processing unit 990 , a result sheet providing unit 930 , and an insurance recommendation unit 940 . In addition, according to an embodiment, the insurance business support system 900 is configured by adding a content providing unit 950 , a matching unit 960 , a table management unit 970 , a program DB 981 , and a designer DB 982 , respectively. can do.

The interface unit 910 outputs a questionnaire interface to terminals of one or more SNS users by interworking with a social network system (SNS) when a request for transmission of a questionnaire for securing a prospect is generated by the insurance solicitor terminal.

As an example, the interface unit 910 may obtain a list of SNS users interested in health care content from the social network system (SNS) according to the occurrence of the questionnaire transmission request, and output it to the insurance solicitor terminal. have.

The interface unit 910 transmits, through the social network system, a unique link created for the insurance solicitor to the terminals of one or more SNS users selected by the insurance solicitor terminal from among the output list, and is unique to the planner. On the screen of the SNS user terminal accessed by clicking the link, a questionnaire interface for inputting health data of the SNS user himself/herself may be output.

In this case, the interface unit 910 may check whether the SNS user's terminal agrees to provide information to the insurance solicitor terminal with the selected qualification when the questionnaire interface is output.

When a consent response is received from the terminal of the SNS user, the risk analysis unit 920 described later may analyze the onset risk for each disease based on the health data input through the questionnaire interface.

Accordingly, according to the present invention, it is easy to discover new prospects for users of a number of social network systems who are interested in health care contents through the free delivery of questionnaires through the social network system of the insurance solicitor.

The risk analysis unit 920 analyzes the SNS user's own disease risk level based on the health data of the SNS user input through the questionnaire interface.

In addition, the risk analysis unit 920 based on the health data of the SNS user (customer), the SNS user family (customer family) to estimate and analyze the disease risk of each disease.

As an example, referring to FIG. 8 , the risk analysis unit 920 uses health data such as age, gender, weight, residence, smoking, family history, and current disease input from the customer, the age score of the SNS user and Set the residence/present history/family history score to be the same as that of the customer, the gender score as the score of the opposite gender, and the smoking score as the secondhand smoke score, which is a part of the customer's smoking score (eg '30%'), respectively. Calculated by dividing the total score ('3'), which is the cumulative sum of the evaluation scores of In this case, the risk (N) of the customer's spouse for each disease can be estimated to be approximately '1.4 times'. Here, '1st quartile' refers to the reference score of a healthy adult.

In addition, the risk analysis unit 920 uses health data such as age, sex, weight, residence, smoking, family history, and current disease input from the customer to make the residence / current history / family history score the same as the customer, but No gender score, and the smoking score is the secondhand smoke score that is a part of the customer's smoking score (eg '20%'), and the age after subtracting the selected value ('31') from the customer's age (however, if the If there is, assume at least '1 year old') and use it as the child's age score. It can be calculated by dividing, and in this case, the risk (N) for each disease of the child can be estimated to be approximately '2.9 times'.

As such, according to the family history analysis algorithm provided by the present invention, in addition to the SNS user who has entered health data, the risk of disease for each disease of the SNS user's immediate family (parents and children) and the spouse who shares the lifestyle and environment is relatively accurate. Since it can be estimated and analyzed, it has the advantage of being able to secure data of a large number of prospects at once and recommending family insurance.

The risk analysis unit 920 prepares an analysis result sheet, including a graph regarding the disease risk ranking according to the disease risk of the SNS user and his or her family, and a graph indicating risk factors that increase the risk of each disease.

For example, as shown in FIG. 4A , the risk analysis unit 920 lists each disease in the order of the incidence risk for each disease, and when the average incidence risk of normal people of the same age group is used as a reference point, among each disease, the Diseases with a higher risk of onset than the average risk are visualized to the right from the reference point, and among each disease, diseases with a lower risk than the average risk of onset are visualized from the reference point to the left of the risk ranking of each disease. Including the disease risk ranking graph, the analysis result sheet 410 may be prepared. At this time, the risk analysis unit 920 divides a certain number of risk diseases ('colon cancer', 'high blood pressure', liver cancer') with the highest risk of occurrence among the diseases using a color or motion, and selects the axis , may be included in the analysis result sheet 410 as a risk ranking of each disease in the customer who owns the terminal.

In addition, the risk analysis unit 920, as shown in FIG. 4c, analyzes a plurality of risk factors that increase the risk of developing a risky disease having the highest risk for each disease, and assigns each of the plurality of risk factors to the onset risk. According to the degree of correlation with, the analysis result sheet 450 may be prepared, including a radial graph related to the risk factors created by arranging them on concentric circles with different radii.

When the reading of the analysis result sheet is requested by the insurance solicitor terminal, the billing processing unit 990 charges according to the payment method (eg, automatic payment, deduction of use right, etc.) selected by the insurance solicitor terminal.

As an example, the billing processing unit 990 can process the billing from the insurance solicitor's terminal that actually reads the analysis result sheet without charging when the insurance solicitor's terminal issues a request to send a questionnaire to the SNS user's terminal, and through this, the questionnaire is transmitted It is possible to operate by dividing the terminal into an insurance solicitor terminal, which is mainly in charge of marketing, and an insurance solicitor terminal, which is mainly in charge of designing insurance by actually contacting customers.

In other words, the insurance solicitor's terminal that requested the reading of the analysis result sheet may be a different planner from the insurance solicitor's terminal that issued the request to transmit the questionnaire to the terminal of the SNS user. For example, the insurance solicitor terminal that requested to read the analysis result sheet is an insurance solicitor terminal with more than a certain experience specializing in the risk disease of the customer after the analysis result sheet is prepared, and the insurance solicitor terminal newly matched to the customer (SNS user) can be

Specifically, the planner DB 982 maintains the planner information about the insurance solicitor terminal requesting subscription in association with the SNS ID used by the insurance solicitor terminal, and the risk analysis unit 920 determines the onset risk for each disease in the analysis result sheet. Analyze the risk diseases that are most likely to occur to the SNS user in the order of highest, and the matching unit 960 searches the terminal of an insurance solicitor with more than a certain experience specializing in the risk disease from the planner DB 982, and the terminal of the SNS user can be matched to

As such, when the insurance solicitor's terminal, which has generated a request to transmit a medical questionnaire to the terminal of the SNS user, does not specialize in the customer's risky disease, the matching unit 960 is an insurance solicitor terminal that specializes in the risky disease of the customer as possible. can be matched to customers, so that insurance subscription consultation and insurance product design that can satisfy customers can be made.

The result sheet providing unit 930 provides the analysis result sheet to the insurance solicitor terminal as prospect data when billing is made by the insurance solicitor terminal requesting to read the analysis result sheet. In addition, the result sheet providing unit 930 further includes a business card image of the insurance solicitor terminal provided with the analysis result sheet, and provides the analysis result sheet to the SNS user's terminal (customer terminal) through the social network system.

Specifically, the risk analysis unit 920 may analyze the risk disease of the SNS user and the SNS user's family according to the disease risk level for each disease, and the result sheet providing unit 930 is as shown in FIG. 11 , When the analysis result sheet is provided to the insurance solicitor terminal, various information related to the treatment method of the customer's risk disease is highlighted and displayed in the content area ("Solicitor Zone") exposed only to the insurance solicitor terminal matched by the customer, so that the SNS user You can make it available when consulting with an insurance company.

In addition, the result sheet providing unit 930, as shown in Figure 4a, further including a business card image of the insurance solicitor terminal, by providing the analysis result sheet 420 to the SNS user's terminal (customer terminal), the customer When you want to subscribe, you can contact the insurance solicitor's terminal directly to receive advice.

When insurance subscription is requested by the terminal of the SNS user who has confirmed the analysis result sheet, the insurance recommendation unit 940 provides insurance product information designed by the insurance solicitor terminal in consideration of the risk of disease for each disease in the analysis result sheet, the social It is provided to the terminal of the SNS user through the network system.

At this time, when insurance is actually purchased by the terminal of the SNS user who has confirmed the insurance product information, the billing processing unit 990 charges the subscription fee to the insurance solicitor terminal in various ways, such as prepayment, deferred payment, and deduction of the right to use, It can be secured by platform revenue.

On the other hand, if insurance subscription is not requested from the SNS user's terminal within a certain period of time after providing the analysis result sheet to the SNS user's terminal, the content providing unit 950 determines the onset risk for each disease in the analysis result sheet. Health management contents according to the predetermined period are provided to the terminal of the SNS user through the social network system to remind the necessity of insurance subscription, and the interface unit 910 provides the fact that the contents are provided whenever the health management contents are provided. By notifying the solicitor's terminal, it is possible to guide the insurance solicitor's terminal to an appropriate time to contact the customer.

10 is a diagram illustrating a health data-based insurance business consulting platform provided by the insurance business support system according to another embodiment of the present invention.

Referring to FIG. 10 , the health data-based insurance sales consulting platform 1000 may serve to provide insurance consulting and insurance sales support information of a planner in the analysis of the health data of the prospective customer.

When the designer's terminal 1010 requests the social network system user (social user) to transmit a questionnaire and receives the consent to use information from the social user, the health data-based insurance sales consulting platform 1000 provides the social user Based on the health data (physical information, lifestyle, family history, past medical history, environmental information, etc.) input from (customer terminal 1020 ), the customer's disease risk rate may be analyzed.

In addition, the health data-based insurance sales consulting platform 1000 may analyze the family disease risk of the customer's spouse and children based on the input customer data.

The health data-based insurance sales consulting platform 1000 analyzes the health risk factors of customers and customer families, the 12 major disease prediction risks, physical information, prevention methods, etc., based on the disease risk, and prepares an analysis result sheet including these It may be provided to the terminal 1020 .

In addition, the health data-based insurance sales consulting platform 1000 may provide an analysis result sheet including information about the expected annual treatment cost for a high-risk disease and the insurance health age of the customer and the customer's family. have.

Even after providing the analysis result sheet, the health data-based insurance sales consulting platform 1000 continuously provides a customized program to the customer terminal 1020 to remind the customer's health care needs, thereby providing insurance through the planner terminal 1010. may be encouraged to join.

In addition, the health data-based insurance sales consulting platform 1000 provides the designer's terminal 1010 with the latest examination/treatment cost information and disease management information on the analysis result sheet provided to the customer terminal 1020, We can support insurance business.

In addition, the health data-based insurance sales consulting platform 1000 provides customer management data, such as a prospect management list, customer progress management, and result sheet management, to the designer terminal 1010 side, and provides insurance of the designer terminal 1010. Can support sales.

Through this, the designer's terminal 1010 can secure the prospect DB as well as secure a communication channel with the customer, which can be used for insurance sales marketing.

Recently, as the market share of non-face-to-face channels has increased significantly, the insurtech market, which combines insurance and technology to secure young customers, is rapidly expanding, developing customized products based on big data, Innovative changes are expected at all stages of the insurance industry, such as simplifying insurance contract review work based on artificial intelligence and strengthening security based on blockchain.

Therefore, in order to ensure that the effects such as customized products, insurance review simplification, and security enhancement provided in the InsureTech environment can lead to the purchase of insurance products by many customers, we build a convergence platform that connects customers and planners to create customized customer-specific products. service needs to be provided.

Accordingly, the present invention establishes a health data-based insurance sales consulting platform 1000 that provides a solution for supporting insurance sales of insurance solicitors in an insurance tech environment that interworks with social network systems to discover prospective customers. , to strengthen insurance sales capabilities of insurance solicitors.

As shown in FIG. 10 , the health data-based insurance sales consulting platform 1000 is used as a window for accumulating health data from the customer terminal 1020, which is an SNS user, while providing support for insurance sales targeting the planner terminal 1010. We are realizing a business model that acquires fees according to the requirements.

The health data-based insurance sales consulting platform 1000 may attract various planner terminals 1010 to insurance companies affiliated with such as a life insurance company planner, a non-life insurance company planner, and a GA planner.

Health data-based insurance sales consulting platform 1000, the health age of the customer terminal 1020 created based on the questionnaire data collected from the SNS user customer terminal 1020, the health age of the customer terminal 1020, the degree of obesity, the incidence rate by disease, the main cause by disease type, and the treatment cost By providing an analysis solution such as such to the designer's terminal 1010 , the insurance business of the designer's terminal 1010 can be supported.

Here, the questionnaire data may be health data directly input from the customer terminal 1020 or examination data obtained at a medical examination center designated by the customer terminal 1020 .

Specifically, the designer terminal 1010 can design customized insurance product information required for the customer terminal 1020 and its family based on the provided analysis solution, and the platform 1000 provides the insurance designed by the designer terminal 1010 . Product information may be proposed to the customer terminal 1020 requesting insurance through a social network system (SNS).

In addition, the health data-based insurance sales consulting platform 1000 periodically produces health care content based on the questionnaire data and provides it to the customer terminal 1020 through SNS, thereby replacing the planner's terminal 1010 with insurance subscriptions. may arouse the need.

Accordingly, when insurance product subscription is actually made from the planner's terminal 1010, the health data-based insurance sales consulting platform 1000 may acquire a predetermined fee per subscription from the planner's terminal 1010 and secure it as platform revenue. .

11 is a diagram illustrating an example of an application screen that provides information related to a customer's disease treatment to an insurance solicitor terminal in the insurance business support system according to another embodiment of the present invention.

Referring to the planner-only app screen 1100 shown in FIG. 11 , the insurance sales support system does not simply provide the customer's disease risk by disease, but a content area ('planner Zone') provided only to insurance solicitors (1 ), it is possible to inform the detailed information 9 related to the treatment method, treatment period, treatment cost, etc. for the disease.

As an example, the insurance sales support system may highlight and display the content area ('Solicitor Zone') (1) provided only to insurance solicitors within the dedicated app using various designs such as bold, color, and shade. , the insurance sales support system can be used as a tool for insurance sales by supporting health communication with customers of insurance solicitors.

12 is a diagram illustrating a questionnaire delivery process for SNS users in the insurance business support system according to another embodiment of the present invention.

Referring to FIG. 12 , the insurance sales support system generates a unique link for the planner for the insurance planner terminal and sends it from the social network system (SNS) to the insurance agent terminal by selecting 'Send paperweight' through the agent-only app in the insurance agent terminal. By outputting the acquired list of SNS users to the insurance solicitor terminal, it is possible to select and receive single or multiple senders to whom the questionnaire interface is to be sent. According to an embodiment, the insurance business support system may randomly select a certain number of SNS users as transmission targets.

The insurance business support system transmits a message through the social network system to the personal link of the planner to the terminal of the SNS user selected as the sending target, and a questionnaire interface requested to be transmitted from the insurance solicitor terminal to the terminal of the SNS user who clicked on the unique link of the planner By printing out, you can proceed with a family history check questionnaire.

At this time, the insurance business support system may check whether or not consent to the provision of information to the insurance solicitor terminal, and output a questionnaire interface in the case of a consent response.

The questionnaire interface is an interface for inputting the health data itself or an evaluation score for at least one of the physical data of the SNS user (customer), environmental data, lifestyle data, and medical history data, and has a basic common format, The input of additional data may be different depending on the insurance field (eg, non-life insurance, life insurance, annuity insurance, dental insurance, mutual aid insurance, etc.) specialized in the insurance solicitor terminal requesting to transmit the questionnaire interface to the SNS user. .

The insurance sales support system, upon completion of the questionnaire from the customer, creates an analysis result sheet by analyzing the disease risk of the SNS user himself and the SNS user's family based on the health data input through the questionnaire interface, and creates an analysis result sheet, and completes the questionnaire You can register the analysis result sheet in .

When the insurance solicitor terminal requests to read the analysis result sheet registered in the questionnaire completion list, the insurance sales support system checks the remaining usage right of the insurance solicitor, and if there is a remaining usage right, deducts the remaining usage right of the insurance solicitor, and then The analysis result sheet may be provided to the insurance solicitor terminal, and at the same time, the analysis result sheet may further include a business card image of the insurance solicitor terminal provided with the analysis result sheet, and the analysis result sheet may be sent to the SNS user himself/herself through a social network system.

That is, before the billing process of the insurance solicitor terminal, even the SNS user terminal who entered their health data through the questionnaire interface cannot check the contents of the analysis result sheet, and when the billing process of the insurance solicitor terminal is performed, the insurance solicitor terminal and the SNS user The analysis result sheet is provided to the terminal at the same time, so that it is possible to check the incidence risk for each disease.

In this case, the insurance business support system may allow retransmission of the analysis result sheet to the customer only for a selected number of times without deducting the remaining usage right after the first analysis result sheet is sent to the customer.

On the other hand, the insurance business support system may disallow the reading of the analysis result sheet and request to purchase the usage right when the insurance solicitor terminal does not have the remaining usage right. Here, the billing method is not limited to the purchase of a voucher, and may be determined in various ways according to the selection of the insurance solicitor, such as point payment, automatic payment, and selective payment.

In this way, the insurance business support system does not process the billing process when the insurance solicitor requests to send the questionnaire, but charges it when the analysis result sheet is requested. It can be used as a marketing tool to secure new prospect data by sending it out.

13 is a flowchart illustrating a sequence of an insurance business support method according to an embodiment of the present invention.

The insurance business support method according to the present embodiment may be performed by the aforementioned insurance business support system 200 .

Referring to FIG. 13 , the insurance business support system 200 outputs a questionnaire interface to a terminal that desires health care content among terminals using a social network system (SNS) (step 1310).

The insurance business support system 200 analyzes the onset risk for each disease through the health data (customer's evaluation score) input through the questionnaire interface (step 1320).

The insurance business support system 200 checks whether the customer's spouse or children are designated by the terminal (step 1330), and when the family customer is designated, moves to step 1320, and analyzes the family customer's disease risk for each disease.

If the family customer is not designated, the insurance business support system 200 creates an analysis result sheet including the disease risk level analyzed in step 1320 (step 1340).

The insurance business support system 200 provides the prepared analysis result to the terminal through SNS (step 1350).

As an example, the insurance business support system 200 inquires at the terminal whether it agrees to provide the analysis result sheet to the insurance solicitor terminal, and if agreed, the analysis result sheet provided to the terminal is also provided to the insurance solicitor terminal matching the terminal. It can be provided through SNS.

In this case, the analysis result sheet provided to the terminal may further include a business card image related to the matching insurance solicitor terminal.

The insurance business support system 200 checks whether insurance subscription is requested from the terminal that has checked the analysis result sheet (step 1360). design (step 1370), and provide the designed insurance product information to the terminal and an insurance solicitor terminal matching the terminal through SNS (step 1380).

When the terminal does not request insurance subscription, the insurance business support system 200 provides the terminal with customized health care contents created in consideration of the risk of disease for each disease analyzed in step 1320, by regularly providing the terminal with prospective customers. Manage continuously (step 1390).

In addition, the insurance business support system 200 may inform the insurance solicitor terminal of the provision of the customized health management content, so as to inform the insurance solicitor terminal of an appropriate customer contact time.

As described above, according to the present invention, it is possible to support insurance business by discovering new prospects through a social network system (SNS) and providing customized insurance products and health care contents.

14 is a flowchart illustrating an insurance business support method according to another embodiment of the present invention.

The insurance business support method according to the present embodiment may be performed by the aforementioned insurance business support system (hereinafter, 'system') 900 .

Referring to FIG. 14 , when a request to transmit a questionnaire to secure a prospect occurs in the insurance solicitor's terminal from the planner-only app (step 1411), the system 900 works in conjunction with the affiliated social network system (SNS), one or more Outputs the questionnaire interface to the terminal of the SNS user ('customer') (step 1412).

The terminal of the SNS user inputs the health data of the SNS user through the questionnaire interface (step 1413).

Here, health data includes physical data such as the customer's age, gender, height and weight, environmental data such as the customer's residence and occupation, lifestyle data such as the customer's eating habits, smoking, drinking, and exercise frequency, and the customer It may be at least one of medical history data such as a current disease, a past disease, a family history, a genetic history, and the like.

The system 900, based on the health data of the SNS user, analyzes the SNS user's own disease risk by disease (step 1414), and estimates the disease risk of the SNS user's family (parents, children, spouses, etc.) (Step 1415).

The system 900 creates an analysis result sheet, including a graph indicating the disease risk ranking according to the disease risk of the SNS user and his or her family members, and risk factors that increase the risk of each disease (step 1416).

When the insurance solicitor terminal requests to read the analysis result sheet (step 1417), the system handles the billing according to the payment method (eg, automatic payment, deduction of use right, etc.) selected by the insurance solicitor terminal (step 1418) ).

The system 900, when billing is made by the insurance solicitor terminal requesting to view the analysis result sheet, provides the analysis result sheet to the insurance solicitor terminal (step 1419), together with the business card image of the insurance solicitor terminal provided with the analysis result sheet The analysis result sheet is provided to the SNS user terminal (step 1420).

The SNS user's terminal identifies the disease risk for each disease of the user and his/her family through the analysis result sheet, and if necessary, clicks the 'insurance subscription request' button displayed on the analysis result sheet or generates an insurance subscription request using the business card image (Step 1421).

The system 900 generates a dialog window between the insurance solicitor terminal and the SNS user terminal according to the occurrence of the insurance subscription request (step 1422), so that the subscription consultation proceeds in real time through the conversation.

At this time, detailed information related to the customer's disease treatment (eg, treatment method, treatment period and cost, etc.) is emphasized in the specific content area ("solicitor zone") in the analysis result sheet provided to the insurance solicitor terminal in step 1419. Since it is displayed, the insurance solicitor terminal can actively consult with the customer by utilizing his/her expertise such as the customer's disease treatment information while consulting with the customer, thereby inducing the customer to decide to purchase the insurance.

The insurance solicitor terminal can design insurance product information suitable for the SNS user and his or her family in consideration of the risk of disease for each disease in the analysis result sheet and the customer's pre-registered insurance products confirmed through the chat window (step 1423) , the system 900 provides the designed insurance product information or a link for viewing it to the SNS user terminal through the social network system (step 1424).

Thereafter, the system 900 regularly provides customized health care content to the terminal of the SNS user through the social network system to remind the need of insurance subscription, and every time health care content is provided, the content is provided to the insurance solicitor terminal. By notifying, it is possible to inform the insurance solicitor terminal of an appropriate time to contact the customer.

In addition, when insurance subscription is actually made by the terminal of the SNS user who has confirmed the insurance product information, the system 900 can secure the platform revenue by charging a subscription fee to the insurance solicitor terminal.

As described above, according to the present invention, through a social network system (SNS) as a medium, family health consulting is provided through family history analysis and customized insurance design support based on the customer's own health data, thereby discovering new prospects, and at the same time, the customer's It can support insurance sales through continuous communication and management with prospective customers by providing the insurance solicitor's terminal with the professional knowledge necessary for insurance counseling that can insure risky diseases.

The method according to the embodiment 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, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy 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. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

The software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or device, to be interpreted by or to provide instructions or data to the processing device. , or may be permanently or temporarily embody in a transmitted signal wave. The software may be distributed over networked computer systems, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

As described above, although the embodiments have been described with reference to the limited drawings, those skilled in the art may apply various technical modifications and variations based on the above. For example, the described techniques are performed in a different order than the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

200, 900: Insurance sales support system
210, 910: interface unit
220, 920: risk analysis unit
230, 930: result sheet provider
240, 940: Insurance Referral Department
250, 950: content provider
260, 960: matching unit
270, 970: table management unit
281, 981: Program DB
282, 982: Designer DB
990: billing unit

Claims (30)

outputting a questionnaire interface to the terminals of one or more SNS users by interworking with a social network system (SNS) when a request to transmit a questionnaire for securing prospects is generated by the insurance solicitor terminal;
analyzing the SNS user's own disease risk level based on the health data of the SNS user input through the questionnaire interface;
based on the health data of the SNS user, estimating and analyzing the disease risk of the SNS user's family;
preparing an analysis result sheet, including a disease risk ranking according to the disease risk level, and a graph indicating risk factors that increase the incidence risk for each disease;
providing the analysis result sheet as prospect data to the insurance solicitor terminal when billing is made by the insurance solicitor terminal requesting to view the analysis result sheet;
providing the analysis result sheet to the terminal of the SNS user through the social network system, further comprising a business card image of the insurance solicitor terminal provided with the analysis result sheet; and
When insurance subscription is requested by the terminal of the SNS user who has confirmed the analysis result sheet, insurance product information designed by the insurance solicitor terminal in consideration of the disease risk in the analysis result sheet is transmitted through the social network system to the SNS providing to the user's terminal
How to support insurance business, including According to claim 1,
In response to the occurrence of the paper-weight transfer request,
obtaining a list of SNS users interested in health care content from the social network system (SNS) and outputting the list to the insurance solicitor terminal; and
transmitting, through the social network system, the unique link created for the insurance solicitor to the terminals of one or more SNS users selected by the insurance solicitor terminal from the output list;
further comprising,
The step of outputting the paperweight interface comprises:
Outputting a questionnaire interface for inputting health data of the SNS user himself on the screen of the terminal accessed by clicking the designer's unique link
How to support insurance business, including According to claim 1,
confirming to the terminal of the SNS user whether or not the user agrees to provide information to the terminal of the insurance solicitor with the selected qualification when the questionnaire interface is output; and
When a consent response is received from the terminal of the SNS user, based on the health data input through the questionnaire interface, analyzing the risk of each disease
Insurance business support method further comprising. According to claim 1,
When insurance subscription is made by the terminal of the SNS user who has confirmed the insurance product information, charging a subscription fee to the insurance solicitor terminal
Insurance business support method further comprising. According to claim 1,
analyzing the risk disease of the SNS user and the SNS user's family according to the disease risk for each disease; and
When the analysis result sheet is provided to the insurance solicitor terminal, highlighting and displaying information related to the treatment method of the risky disease in the content area exposed to the insurance solicitor terminal so that it can be utilized during insurance consultation with the SNS user
Insurance business support method further comprising. According to claim 1,
maintaining in a planner DB by associating solicitor information on the insurance solicitor terminal requesting subscription with the SNS ID used by the insurance solicitor terminal;
analyzing the risk disease of the SNS user according to the risk level of each disease; and
Searching for a terminal of an insurance solicitor with more than a certain experience specializing in the risk disease from the agent DB, and matching the terminal of the SNS user
Insurance business support method further comprising. outputting a questionnaire interface to a terminal requesting health care content among terminals using a social network system;
analyzing an onset risk for each disease by using an evaluation score on health data input through the questionnaire interface;
providing, through the social network system, an analysis result sheet including a business card image of an insurance solicitor terminal matching the disease risk level and the terminal, to the terminal; and
When insurance subscription by the insurance solicitor terminal is requested by the terminal confirming the analysis result sheet, providing insurance product information designed according to the analysis information in the analysis result sheet to the terminal through the social network system;
How to support insurance business, including 8. The method of claim 7,
inquiring of the terminal whether or not consent to the provision of information to the insurance solicitor terminal with the selected qualifications; and
If agree, providing the analysis result sheet together to the insurance solicitor terminal matching the terminal
Insurance business support method further comprising. 8. The method of claim 7,
If the insurance subscription is not requested from the terminal within a certain period of time from the provision of the analysis result sheet,
providing health management contents produced according to the analysis information in the analysis result sheet to the terminal through the social network system at a predetermined period; and
Each time the health management content is provided, the step of notifying the insurance solicitor terminal
Insurance business support method further comprising. 10. The method of claim 9,
analyzing risk factors that increase the risk of onset for a risk disease having the highest risk of onset for each disease; and
Including a program to improve the risk factors, producing the health care content
Insurance business support method further comprising. 8. The method of claim 7,
listing each disease in the order of the incidence risk for each disease, and creating a graph regarding the disease risk ranking; and
Including the graph, creating the analysis result sheet
Insurance business support method further comprising. 12. The method of claim 11,
Creating the graph includes:
When the average risk of disease of normal people of the same age group is taken as a reference point,
Visualizing a disease having a higher risk of onset than the average risk of onset from the reference point to the right; and
Visualizing a disease having a lower risk of onset than the average risk of onset from the reference point to the left
How to support insurance business, including 8. The method of claim 7,
analyzing risk factors that increase the risk of onset for a risk disease having the highest risk of onset for each disease;
creating a radial graph related to the risk factors by arranging each of the risk factors on concentric circles with different radii according to the degree of association with the onset risk; and
Comprising the radial graph further, creating the analysis result sheet
Insurance business support method further comprising. 8. The method of claim 7,
analyzing a certain number of diseases listed above as risk diseases of a customer who owns the terminal when each disease is listed in the order of the risk of occurrence for each disease;
Collecting annual treatment costs related to the risk disease from the Statistics Office server; and
Further including the annual treatment cost, creating the analysis result sheet
Insurance business support method further comprising. 8. The method of claim 7,
The step of outputting the paperweight interface comprises:
Outputting, as the health data, the questionnaire interface requesting input of evaluation scores for each of body data, environmental data, lifestyle data, and medical history data;
including,
The above insurance business support method is:
analyzing the obesity degree (BMI) of the customer who owns the terminal according to the evaluation score given to the height and weight among the body data;
analyzing the insurance health age of the customer by adding or subtracting an evaluation score given to the age among the physical data by a certain value according to the risk of onset for each disease; and
Writing the analysis result sheet further including the customer's obesity degree (BMI), the insurance health age, and insurance premium discount information determined according to the insurance health age
Insurance business support method further comprising. 8. The method of claim 7,
classifying the disease risk of normal persons collected from the Statistics Office server into age groups;
calculating an average risk of onset for each disease in each age group by averaging the disease risk for each disease of the normal persons classified into each age group; and
preparing a table in which a risk score (M) for each disease is assigned to each age group according to the average risk of disease for each disease
further comprising,
The step of analyzing the risk of onset by disease is,
identifying, in the table, the risk score for each disease given to the age group to which the customer who owns the terminal belongs; and
Calculating the customer's disease risk (N times) by dividing the total score by adding up the evaluation scores input through the questionnaire interface by the identified risk score for each disease
How to support insurance business, including 8. The method of claim 7,
By using the evaluation score of at least one of the age and gender, weight, residence, smoking, family history, and current disease of the customer who owns the terminal, input through the questionnaire interface, at least one of the customer's spouse, children, and parents Analyzing the disease risk of one family customer; and
Writing the analysis result sheet, further including the risk of disease for each disease of the family customer
Insurance business support method further comprising. 18. The method of claim 17,
The step of analyzing the risk of onset by disease of the family customer is,
estimating a first evaluation score regarding the gender and secondhand smoke of the spouse from the evaluation score of the customer's gender and smoking;
accumulating and adding the first evaluation score to the evaluation score input to at least one of the customer's age, residence, family history, and current disease; and
dividing the total score obtained by the cumulative summation by the risk score for each disease given to the age group to which the spouse belongs, and calculating the risk of disease for each disease of the spouse
How to support insurance business, including 18. The method of claim 17,
The step of analyzing the risk of onset by disease of the family customer is,
estimating a second evaluation score for the age of the child and secondhand smoke from the evaluation score for the age and smoking of the customer;
accumulating and adding the second evaluation score to the evaluation score input to at least one of the customer's residence, family history, and current disease; and
dividing the total score obtained by the cumulative summation by the risk score for each disease given to the age group to which the child belongs, calculating the risk of developing the child's disease for each disease
How to support insurance business, including 18. The method of claim 17,
At the request of the insurance subscription by the terminal,
Providing family insurance information designed in consideration of the risk of disease for each disease of the family customer in the analysis result sheet to the terminal through the social network system
Insurance business support method further comprising. 8. The method of claim 7,
maintaining in a planner DB by associating solicitor information on the insurance solicitor terminal requesting subscription with the SNS ID used by the insurance solicitor terminal;
analyzing a risk disease of a customer who owns the terminal according to the disease risk level;
searching for an insurance solicitor terminal with more than a certain experience in the specialized field of the risk disease, from the planner DB, and matching the terminal with the terminal; and
When the provision of the analysis result sheet to the insurance solicitor terminal is rejected by the terminal confirming the business card image,
re-searching another insurance solicitor terminal from the agent DB to match the terminal; or
Blind processing of some analysis information in the analysis result sheet to be provided to the insurance solicitor terminal
Insurance business support method further comprising. 8. The method of claim 7,
At the request of the above insurance subscription,
generating a chat window between the terminal and the insurance solicitor terminal through the social network system; and
Designing the insurance product information by further considering the insurance product already subscribed to the terminal checked through the chat window
Insurance business support method further comprising. A computer-readable recording medium recording a program for executing the method of any one of claims 1 to 22. an interface unit for outputting a questionnaire interface to terminals of one or more SNS users by interworking with a social network system (SNS) when a request for transmission of a questionnaire for securing prospects is generated by the insurance solicitor terminal;
Based on the SNS user's health data input through the questionnaire interface, the SNS user's own disease risk is analyzed, and based on the SNS user's health data, the SNS user's family's disease risk is estimated for each disease. a risk analysis unit that analyzes and prepares an analysis result sheet, including a disease risk ranking according to the disease risk level for each disease, and a graph indicating risk factors that increase the incidence risk for each disease;
When billing is made by the insurance solicitor terminal requesting to read the analysis result sheet, the analysis result sheet is provided to the insurance solicitor terminal as prospect data, and further comprising a business card image of the insurance solicitor terminal provided with the analysis result sheet, the a result sheet providing unit for providing the analysis result sheet to the terminal of the SNS user through the social network system; and
When insurance subscription is requested by the terminal of the SNS user who has confirmed the analysis result sheet, insurance product information designed by the insurance solicitor terminal in consideration of the disease risk in the analysis result sheet is transmitted through the social network system to the SNS Insurance recommendation section provided to the user's terminal
Insurance sales support system that includes. 25. The method of claim 24,
The interface unit,
In response to the occurrence of the questionnaire transmission request, a list of SNS users who are interested in health care content is obtained from the social network system (SNS) and output to the insurance solicitor terminal,
Delivering the unique link created for the insurance solicitor to the terminals of one or more SNS users selected by the insurance solicitor terminal from the output list through the social network system,
Outputting a questionnaire interface for inputting the health data of the SNS user himself on the screen of the terminal accessed by clicking the designer's unique link
Insurance business support system. 25. The method of claim 24,
When insurance subscription is made by the terminal of the SNS user who has confirmed the insurance product information, a billing processing unit charging a subscription fee to the insurance solicitor terminal
An insurance business support system further comprising a. 25. The method of claim 24,
The risk analysis unit,
Analyze the risk diseases of the SNS user and the SNS user's family according to the risk of occurrence for each disease,
The result sheet providing unit,
When the analysis result sheet is provided to the insurance solicitor terminal, information related to the treatment method of the risky disease is highlighted and displayed in the content area exposed to the insurance solicitor terminal so that it can be utilized during insurance consultation with the SNS user
Insurance business support system. 25. The method of claim 24,
a solicitor DB that maintains solicitor information on the insurance solicitor's terminal requesting subscription in association with the SNS ID used by the insurance solicitor's terminal; and
When the risk disease of the SNS user is analyzed according to the risk of occurrence for each disease by the risk analysis unit, an insurance solicitor terminal with more than a certain experience specializing in the risk disease is retrieved from the planner DB, and the terminal of the SNS user matching part to match
An insurance business support system further comprising a. an interface unit for outputting a questionnaire interface to a terminal requesting health care content among terminals using a social network system;
a risk analysis unit that analyzes the risk of each disease by using the evaluation score on the health data input through the questionnaire interface;
a result sheet providing unit for providing an analysis result sheet prepared including a business card image of an insurance solicitor terminal matching the disease risk level and the terminal through the social network system to the terminal; and
Insurance that provides insurance product information designed according to the analysis information in the analysis result sheet to the terminal through the social network system when insurance subscription is requested by the insurance solicitor terminal by the terminal confirming the analysis result sheet recommendation
Insurance sales support system that includes. 30. The method of claim 29,
If the insurance subscription is not requested from the terminal within a certain period of time from the provision of the analysis result sheet,
A content providing unit that provides health management content produced according to the analysis information in the analysis result sheet to the terminal through the social network system at a predetermined period
further comprising,
The interface unit,
Every time the health management content is provided, the insurance solicitor terminal is notified
Insurance business support system.

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