KR20220005422A - Method for providing a customized insurance based on animal features, and server by using same - Google Patents

Abstract

The present invention provides a method of providing customized insurance according to the characteristics of animals. The method comprises the steps of: (a) transmitting an animal registration number for a target animal, and transmitting detailed information on the target animal; (b) transmitting special contract selection information to an animal insurance brokerage server and allowing specific insurance plan information to be selected; and (c) requesting insurance target animal information and insured information, and performing payment for animal insurance.

Description

A method of providing customized insurance according to the characteristics of animals and an animal insurance brokerage server using the same

The present invention relates to a method of providing customized insurance according to the characteristics of an animal and an animal insurance brokerage server using the same, and more particularly, to a target from among the insurance plans available according to the characteristics of the target animal for which the animal is to be purchased. To provide an animal insurance optimized for animals, to a method for providing customized insurance according to the characteristics of animals, and to an animal insurance brokerage server using the same.

From B.C. to the present day, pets have maintained closeness with people for a long time.

Recently, interest in pets has been amplified due to a low birth rate, an aging population, and an increase in single-person households, and the number of households with pets is also rapidly increasing. And, the types of pets are gradually increasing, such as dogs, cats, fish, birds, iguanas, and the like.

On the other hand, in the care of pets, veterinary hospitals are frequently used, just like humans, and the number of treatments at veterinary hospitals is not a fixed number and there are many cases where the cost burden is very high because they are not covered by insurance. In addition, although regular checkups and vaccinations are necessary for preventing disease, there were cases where they missed the time because they did not know about it, or they neglected it because of the burden of medical expenses.

Accordingly, the need for animal insurance that covers medical expenses for pets has also increased, and insurance companies have recently provided insurance services for pets.

However, pet insurance currently provided is limited in the type of target animal, and there are problems such as not only different special contracts, etc. guaranteed according to the characteristics of the target animals, but also rejection of subscription depending on the type of special contract.

Accordingly, there is a problem in that a user who wants to purchase insurance for a pet has to check whether his/her pet can be insured with each insurance company, as well as check the guaranteed special contract one by one.

An object of the present invention is to solve all of the above problems.

Another object of the present invention is to provide customized insurance according to the characteristics of animals.

Another object of the present invention is to provide a user with insurance information that can be subscribed according to the characteristics of an animal.

Another object of the present invention is to provide users with optimal insurance information that can be subscribed according to the characteristics of animals.

In addition, it is another object of the present invention to enable a user to conveniently sign up for a customized insurance according to the characteristics of an animal of the present invention.

According to an embodiment of the present invention for achieving the above object, in a method for providing customized insurance according to characteristics of animals, (a) when a request for subscription for animal insurance is obtained from a user terminal, an animal insurance brokerage server A, the animal basic information input interface is provided to the user terminal so that the user terminal can enter the type of target animal, the name and age of the target animal, for which the animal insurance is obtained through the animal basic information input interface. transmit to the insurance brokerage server, request detailed information about the target animal from the user terminal, cause the user terminal to (i) transmit the animal registration number for the target animal, and use the animal registration number Animal protection management server - The animal protection management server assigns animal registration numbers for individual identification to each animal according to the animal registration system, and is the subject of managing owner information and animal information for each of the animals - from the subject obtaining detailed target animal information on the animal, or (ii) transmitting the target animal detailed information on the target animal; (b) (b1) the animal insurance brokerage server transmits the special contract information related to the animal insurance to the user terminal so that the user terminal selects the special contract information selected by the user to be insured by the animal insurance among the special contract information At least one animal insurance service server that transmits special contract selection information for the animals to the animal insurance brokerage server, and provides the animal insurance service with reference to the age of the target animal, the target animal detailed information, and the special contract selection information A process of obtaining the age of the target animal, detailed information on the target animal, and insurance plan information corresponding to the special contract selection information, and (b2) the animal insurance brokerage server collects special contract information related to the animal insurance transmits to the user terminal so that the user terminal transmits, to the animal insurance brokerage server, special contract selection information for the special contract information selected by the user to be guaranteed by the animal insurance among the special contract information, to the animal insurance From among a plurality of insurance plan information already acquired from at least one animal insurance service server serving, the age of the target animal, detailed information on the target animal, and information on available insurance plans for subscription corresponding to the special contract selection information are obtained. performing any one of the processes; and (c) the animal insurance brokerage server transmits the insurance plan information available to the user to the user terminal to allow the user terminal to select the specific insurance plan information that the user wants to subscribe to and check the insurance plan information available for the user and when selection information for the specific insurance plan information is obtained from the user terminal, the user terminal requests the animal information and the insured information corresponding to the target animal to be registered in the animal insurance, when the insurance target animal information and the insured information are obtained from the user terminal, causing the user terminal to pay for the animal insurance; A method comprising a may be provided.

In step (c), the animal insurance brokerage server includes the first insurance plan information from the first animal insurance service server with the highest premium among the available insurance plan information, and the second animal with the lowest premium. By transmitting the second insurance plan information from the insurance service server to the user terminal, the user may select any one of the first insurance plan information and the second insurance plan information as the specific insurance plan information.

In step (c), the animal insurance brokerage server, among the available insurance plan information, referring to the ranking of the number of special contracts guaranteed in response to the special contract selection information, the first priority insurance plan information and By transmitting the second priority insurance plan information to the user terminal, the user may select any one of the first priority insurance plan information and the second priority insurance plan information as the specific insurance plan information. .

The animal insurance brokerage server refers to the ranking of the number of special contracts guaranteed corresponding to the special contract selection information among the available insurance plan information. Among the security plan information of the ranking, the first insurance plan information from the first animal insurance service server with the highest premium and the second insurance plan information from the second animal insurance service server with the lowest premium are transmitted to the user terminal By transmitting, the user may select any one of the first insurance plan information and the second insurance plan information as the specific insurance plan information.

In step (c), the animal insurance brokerage server, when selection information for the specific insurance plan information is obtained from the user terminal, requests confirmation of the notice to the user terminal, and the notification from the user terminal When response information is obtained, it is checked whether the animal insurance can be subscribed by referring to the response information. The insured animal information corresponding to the target animal and the insured information may be requested.

In step (c), the animal insurance brokerage server provides a payment interface to the user terminal so that the user can use the payment interface to provide a payment method and a payment method - The payment method is monthly payment, installment payment, Including at least one of annual payment and lump sum payment - can be selected.

The detailed information on the target animal may include the breed of the target animal and the gender of the target animal.

In step (c), the insurance target animal information includes at least one of a name of the target animal, the breed of the target animal, the animal registration number of the target animal, the hair color of the target animal, and a photograph of the target animal may include, and the animal insurance brokerage server may provide, as a default, information obtained from the user terminal or obtained from the animal protection management server to the user terminal when the information on the animal to be insured is requested.

In step (c), when the payment for the animal insurance through the user terminal is completed, the animal insurance brokerage server sends the animal insurance information and the insurance target to the specific animal insurance service server corresponding to the specific insurance plan information. By transmitting the insured information, the specific animal insurance service server may transmit the insurance policy for the specific insurance plan information, and the insurance policy may be transmitted to the user terminal.

In addition, according to an embodiment of the present invention, there is provided an animal insurance brokerage server that provides customized insurance according to characteristics of animals, comprising: a memory in which instructions for providing customized insurance according to characteristics of animals are stored; and a processor that performs an operation for providing customized insurance according to characteristics of the animal according to the instructions stored in the memory. Including, the processor, (I) when a subscription request for animal insurance is obtained from the user terminal, provides an animal basic information input interface to the user terminal so that the user terminal obtains it through the animal basic information input interface The type of target animal to be enrolled in animal insurance, the name and age of the target animal are transmitted to the animal insurance brokerage server, and detailed information about the target animal is requested from the user terminal to cause the user terminal to ( i) Transmit the animal registration number for the target animal, and use the animal registration number to provide the animal protection management server - The animal protection management server assigns animal registration numbers for individual identification to each animal according to the animal registration system and to obtain detailed target animal information about the target animal from - a subject that manages owner information and animal information for each of the animals, or (ii) transmit the target animal detailed information for the target animal Process, (II) (II-1) Transmitting the special contract information related to the animal insurance to the user terminal so that the user terminal can use the special contract information selected by the user to be insured by the animal insurance among the special contract information transmit special contract selection information to the animal insurance brokerage server, and refer to the target animal's age, the target animal detailed information, and the special contract selection information from at least one animal insurance service server that provides the animal insurance service to the target animal A process of acquiring the age of the animal, the detailed information on the target animal, and the insurance plan information that can be subscribed corresponding to the special contract selection information, and (II-2) the animal insurance brokerage server sends the special contract information related to the animal insurance transmits to the user terminal so that the user terminal transmits special contract selection information for the special contract information selected by the user to be guaranteed by the animal insurance among the special contract information to the animal insurance brokerage server, From among a plurality of insurance plan information already acquired from at least one animal insurance service server providing animal insurance, the age of the target animal, detailed information on the target animal, and available insurance plan information corresponding to the special contract selection information a process of performing a process of performing any one of the processes of obtaining the Allows selection of specific insurance plan information to be subscribed to, and when selection information for specific insurance plan information is obtained from the user terminal, the insurance target animal corresponding to the target animal to be registered in the animal insurance with the user terminal An animal insurance brokerage server that requests information and insured information, and performs a process of causing the user terminal to perform payment for the animal insurance when the insured animal information and the insured information are obtained from the user terminal, is provided can be

In the process (III), the processor includes: first insurance plan information from a first animal insurance service server having the highest premium among the available insurance plan information; and a second animal insurance service server having the lowest premium; By transmitting the second insurance plan information from the user terminal, the user may select any one of the first insurance plan information and the second insurance plan information as the specific insurance plan information.

The processor, in the (III) process, with reference to the ranking of the number of special contracts guaranteed in correspondence to the special contract selection information among the subscription available guarantee plan information, the first priority insurance plan information and the second priority of the guarantee plan information may be transmitted to the user terminal so that the user can select any one of the first priority insurance plan information and the second priority security plan information as the specific guarantee plan information.

The processor, as a result of referring to the ranking for the number of special contracts guaranteed in correspondence to the special contract selection information, among the subscription available guarantee plan information, when the first priority is a plurality of insurance plan information, the first priority is guaranteed Among the plan information, the first guarantee plan information from the first animal insurance service server with the highest premium and the second guarantee plan information from the second animal insurance service server with the lowest premium are transmitted to the user terminal, The user may be able to select any one of the first insurance plan information and the second insurance plan information as the specific insurance plan information.

The processor, in the (III) process, when the selection information for the specific guarantee plan information is obtained from the user terminal, it requests confirmation of the notice to the user terminal, and for the notice from the user terminal When the response information is obtained, it is checked whether the animal insurance can be subscribed by referring to the response information. The corresponding insured animal information and the insured information may be requested.

The processor, in the (III) process, provides a payment interface to the user terminal to allow the user terminal to use the payment interface to obtain a payment method and a payment method - The payment method is monthly payment, installment payment, annual payment, lump-sum payment At least one of - can be selected.

The detailed information on the target animal may include the breed of the target animal and the gender of the target animal.

The insurance target animal information may include at least one of the name of the target animal, the breed of the target animal, the animal registration number of the target animal, the hair color of the target animal, and a photograph of the target animal, The processor may provide, as a default, information obtained from the user terminal or obtained from the animal protection management server to the user terminal when the insurance target animal information is requested in the process (III).

In the process (III), when payment for the animal insurance through the user terminal is completed, the processor transmits the insured animal information and the insured information to a specific animal insurance service server corresponding to the specific insurance plan information. The transmission may cause the specific animal insurance service server to transmit the insurance policy for the specific insurance plan information, and transmit the insurance policy to the user terminal.

In addition to this, a computer-readable recording medium for recording a computer program for executing the method of the present invention is further provided.

According to the present invention, the following effects are obtained.

The present invention can provide customized insurance according to the characteristics of animals.

In addition, the present invention can provide the user with insurance information that can be subscribed according to the characteristics of the animal.

In addition, the present invention can provide the user with optimal insurance information that can be subscribed according to the characteristics of the animal.

In addition, the user can conveniently subscribe to the insurance customized according to the characteristics of the animal of the present invention.

1 schematically shows a system for providing customized insurance according to the characteristics of animals according to an embodiment of the present invention;
2 to 10 schematically show a method of providing a customized insurance according to the characteristics of an animal according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [0010] Reference is made to the accompanying drawings, which show by way of illustration specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the present invention. It should be understood that the various embodiments of the present invention are different but need not be mutually exclusive. For example, certain shapes, structures, and characteristics described herein with respect to one embodiment may be implemented in other embodiments without departing from the spirit and scope of the invention. In addition, it should be understood that the location or arrangement of individual components within each disclosed embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description set forth below is not intended to be taken in a limiting sense, and the scope of the present invention, if properly described, is limited only by the appended claims, along with all scope equivalents as those claimed. Like reference numerals in the drawings refer to the same or similar functions throughout the various aspects.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to enable those of ordinary skill in the art to easily practice the present invention.

1 schematically shows a system for providing customized insurance according to the characteristics of animals according to an embodiment of the present invention. Referring to FIG. 1 , the system includes user terminals 100_1 to 100_m, an animal insurance brokerage server. 200 , an animal protection management server 300 , and animal insurance service servers 400_1 to 400_n.

First, each of the user terminals 100_1 to 100_m provides information related to animal insurance to a user who wishes to subscribe to animal insurance and allows the user to input information related to animal insurance, a PC (Personal Computer), It may include mobile computers, PDAs/EDAs, cell phones, smartphones, tablets, IoT devices, and the like. In addition, each of the user terminals 100_1 to 100_m is not limited thereto, and may include all devices such as a portable game machine, a digital camera, and a personal navigation device having a wired/wireless communication function. In addition, each of the user terminals 100_1 to 100_m corresponds to the instructions stored in the memories 110_1 to 110_m and the memories 110_1 to 110_m for storing instructions for providing customized insurance according to the characteristics of the animal, respectively. Thus, it may include the processors 120_1 to 120_m that perform an operation of providing customized insurance according to the characteristics of the animal.

Specifically, each of the user terminals 100_1 to 100_m is typically a computing device (eg, a device that may include a computer process, memory, storage, input and output devices, other components of a conventional computing device; a router; electronic communication devices such as switches; electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs)) and computer software (i.e., instructions that cause the computing device to function in a particular way). may be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application for performing a specific purpose.

Next, the animal insurance brokerage server 200 provides the user with insurance plan information determined using the characteristics of the target animal, and stores instructions for providing the insurance plan information determined using the characteristics of the target animal. The processor 220 may include a memory 210 and a processor 220 that performs an operation for providing guarantee plan information in response to instructions stored in the memory 210 . At this time, although only one animal insurance brokerage server 200 is illustrated in FIG. 1 , this is for convenience of explanation, and the animal insurance brokerage server 200 provides a mortgage product determined using user information. A plurality of servers can be composed of

Specifically, the animal insurance brokerage server 200 is typically a computing device (eg, a device that may include computer processes, memory, storage, input and output devices, and other components of existing computing devices; routers, switches, etc.) using a combination of electronic communication devices such as electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs) and computer software (ie, instructions that cause the computing device to function in a particular way). It may be to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application for performing a specific purpose.

Next, the animal protection management server 300 assigns an animal registration number for individual identification to each of the animals according to the animal registration system, and as a subject that manages the owner information and animal information for each animal, performs animal protection management. It may include a memory 310 in which instructions are stored and a processor 320 that performs an operation for animal protection management in response to the instructions stored in the memory 310 .

Specifically, the animal protection management server 300 is typically a computing device (eg, a computer process, memory, storage, input device and output device, a device that may include components of other existing computing devices; routers, switches, etc.) using a combination of electronic communication devices such as electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs) and computer software (ie, instructions that cause the computing device to function in a particular way). It may be to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application for performing a specific purpose.

Next, each of the animal insurance service servers 400_1 to 400_n provides insurance plan information of conditions that the target animal can actually receive with reference to the characteristics of the target animal, and the target animal is In response to the instructions stored in the memories (410_1 to 410_n) and each of the memories (410_1 to 410_n) for storing instructions for providing the guarantee plan information of the conditions that can be actually received, suggestions can be made by referring to the characteristics of the target animal It may include processors 420_1 to 420_n that perform an operation for providing the actual guarantee plan information.

Specifically, each of the animal insurance service servers 400_1 to 400_n typically includes a computing device (eg, a device that may include a computer processor, memory, storage, input and output devices, and other components of a conventional computing device; electronic communication devices such as routers, switches, etc.; electronic information storage systems such as network attached storage (NAS) and storage area networks (SANs)) and computer software (i.e., instructions that cause the computing device to function in a particular way). Combinations may be used to achieve the desired system performance.

In addition, the processor of the computing device may include a hardware configuration such as a micro processing unit (MPU) or a central processing unit (CPU), a cache memory, and a data bus. In addition, the computing device may further include an operating system and a software configuration of an application for performing a specific purpose.

Referring to Figs. 2 to 11, a method of providing insurance plan information determined by referring to the characteristics of the target animal using the system providing customized insurance according to the characteristics of the animal according to an embodiment of the present invention configured as described above It is explained as follows. In the following description, the user terminal 100_1 and the animal insurance service server 400_1 are mainly described, but this is limited to the user terminal 100_1 and the animal insurance service server 400_1, and other user terminals and animal insurance service servers are used. It should be understood that the same operation is performed in parallel or in combination.

First, when a subscription request for animal insurance is obtained from the user terminal 100_1 , the animal insurance brokerage server 200 may provide an animal basic information input interface to the user terminal 100_1 .

Then, the user terminal 100_1 may transmit to the animal insurance brokerage server 200 the type of target animal, the name of the target animal, and the age of the target animal to be enrolled in animal insurance through the animal basic information input interface. .

For example, referring to FIG. 2 , the animal insurance brokerage server 200 provides the target animal type input interface S1 to the user terminal 100_1 so that the user terminal 100_1 displays the target animal type input interface S1 . In order to do this, the user inputs the type of the target animal that the user wants to subscribe to the animal insurance through the target animal type input interface S1 displayed on the user terminal 100_1. In this case, the target animal type may include a dog, cat, bird, fish, iguana, etc., and the target animal type input interface S1 displays a preset animal type so that the user can select a specific type, The user may directly input the type of the target animal. Then, when the type information of the target animal is obtained from the user terminal 100_1 , the animal insurance brokerage server 200 provides the target animal age input interface S2 to the user terminal 100_1 so that the user terminal 100_1 is the target animal The age input interface S2 is displayed, and the age of the target animal, for example, the date of birth of the target animal, for which the user wants to subscribe to animal insurance through the target animal age input interface S2 displayed on the user terminal 100_1. Enter In this case, the target animal age input interface S2 may allow the user to directly input the age of the target animal or select the age of the target animal through a calendar interface. Thereafter, when the age of the target animal is obtained from the user terminal 100_1 , the animal insurance brokerage server 200 provides the target animal name input interface S3 to the user terminal 100_1 to provide the user terminal 100_1 with the target animal name The input interface S3 may be displayed, and the user may input the name of a target animal to be enrolled in animal insurance through the target animal name input interface S3 displayed on the user terminal 100_1. At this time, the animal insurance brokerage server 200 checks the age of the target animal by referring to the age of the target animal obtained from the user terminal 100_1, and the age of the target animal does not satisfy the age condition for subscribing to animal insurance. In this case, it is possible to transmit a notification screen indicating that it is impossible to subscribe to animal insurance to the user terminal 100_1 so that the user terminal 100_1 can inform the user through the notification screen that the target animal is not subject to animal insurance. . On the other hand, the animal insurance brokerage server 200 sequentially provided the target animal type input interface (S1), the target animal age input interface (S2), and the target animal name input interface (S3), but unlike this, the target animal input interface ( S1), the target animal age input interface (S2) and the target animal name input interface (S3) are configured as one screen and transmitted to the user terminal 100_1, so that the user can select the type and age of the target animal in one frame screen and a name may be input, but the present invention is not limited thereto, and the user may input the type, age, and name of the target animal through various interfaces.

Next, the animal insurance brokerage server 200 requests detailed information about the target animal to the user terminal 100_1 so that the user terminal 100_1 transmits an animal registration number for the target animal, and the user terminal 100_1 By using the animal registration number obtained from the animal protection management server 300 to obtain the target animal detailed information about the target animal, or the user terminal 100_1 can obtain the target animal detailed information.

At this time, the animal protection management server 200 is in a state that gives animal registration numbers for individual identification to each animal according to the animal registration system, manages owner information and animal information for each animal, and an animal insurance brokerage server ( 200), information on a target animal corresponding to the animal registration number transmitted from the database may be extracted from the database and transmitted to the animal insurance brokerage server 200 .

As an example, referring to FIG. 3 , the animal insurance brokerage server 200 transmits an animal registration number presence selection interface S11 to the user terminal 100_1 to allow the user to select whether there is an animal registration number for the target animal. can make it happen

And, referring to FIG. 4 , when a signal for selecting that there is an animal registration number is transmitted from the user terminal 100_1, the animal insurance brokerage server 200 provides the animal registration number input interface S21 to the user terminal 100_1. Thus, the user terminal 100_1 may display the animal registration number input interface S21, and the user may allow the user to input the animal registration number of the target animal through the animal registration number input interface S21. And, when the animal registration number of the target animal is transmitted from the user terminal 100_1, the animal insurance brokerage server 200 determines the breed and gender of the target animal corresponding to the animal registration number through interaction with the animal protection management server 300. The user terminal 100_1 checks the target animal by transmitting the target animal confirmation interface S22 including the breed and gender of the target animal obtained through interaction with the animal protection management server 300 to the user terminal 100_1 By displaying the interface S22, it is possible to check whether the information corresponding to the animal registration number is consistent with the information of the target animal to be enrolled in animal insurance. On the other hand, the animal insurance brokerage server 200 checks the animal registration number of the target animal obtained from the user terminal 100_1, checks whether the animal registration number input by the user is valid, and if it is not valid, the user terminal 100_1 ) through interaction with the user to know that the user has entered an invalid animal registration number Through interaction with 100_1), it is possible to know that there is no animal insurance available for animals corresponding to the animal registration number entered by the user. If there is animal insurance already subscribed to the animal registration number, the user can know through interaction with the user terminal 9100_1) that there is animal insurance already subscribed to the animal registration number. In this case, the animal insurance brokerage server 200 may also obtain information on whether or not the target animal is neutered from the animal protection management server 300 using the animal registration number.

Meanwhile, referring to FIG. 5 , when a signal for selecting no animal registration number is transmitted from the user terminal 100_1 , the animal insurance brokerage server 200 transmits the target animal gender input interface S31 to the user terminal 100_1 . Thus, the user terminal 100_1 may display the target animal gender input interface S31 and the user may input the gender of the target animal through the target animal gender input interface S31. In this case, the animal insurance brokerage server 200 may allow the user to additionally input whether the target animal is neutered through the gender input interface S31. Then, the animal insurance brokerage server 200 transmits the target animal breed input interface S32 to the user terminal 100_1 so that the user terminal 100_1 displays the target animal breed input interface S32, and the user selects the target animal Through the breed input interface ( S32 ), the breed of the target animal for which the animal insurance is to be purchased may be selected from a preset breed list or may be directly inputted.

Next, the animal insurance brokerage server 200 transmits special contract information related to animal insurance to the user terminal 100_1 to allow the user terminal 100_1 to be insured by the animal insurance among the special contract information. It is possible to transmit special contract selection information for the animal insurance brokerage server 200 .

For example, referring to FIG. 6 , the animal insurance brokerage server 200 transmits the special offer selection interface S41 to the user terminal 100_1 so that the user terminal 100_1 displays the special offer selection interface S41, and the user may allow the user to select special contracts to be covered by the animal insurance through the special contract selection interface S41.

Next, the animal insurance brokerage server 200 refers to the age of the target animal, detailed target animal information, and special contract selection information of the target animal from at least one animal insurance service servers 400_1 to 400_n that provide animal insurance. Age, target animal detailed information, and guaranteed subscription available guarantee plan information corresponding to the special contract selection information is obtained, and the subscription possible guarantee plan information is transmitted to the user terminal 100_1 so that the user terminal 100_1 guarantees that the user can subscribe You can view plan information and choose the specific coverage plan you want to join.

At this time, the animal insurance brokerage server 200 provides the first insurance plan information from the first animal insurance service server with the highest premium and the second animal insurance service server with the lowest premium among the available insurance plan information. By transmitting the second guarantee plan information to the user terminal 100_1, the user may select any one of the first guarantee plan information and the second guarantee plan information as specific insurance plan information. In the above, the first animal insurance service server and the second animal insurance service server may be the same animal insurance service server or different animal insurance service servers.

Contrary to this, the animal insurance brokerage server 200 refers to the ranking of the number of special contracts guaranteed in response to special contract selection information among the available insurance plan information. By transmitting the guarantee plan information to the user terminal 100_1, the user may select any one of the first priority insurance plan information and the second priority security plan information as specific insurance plan information. At this time, as a result of referring to the ranking of the number of special contracts guaranteed corresponding to the special contract selection information among available insurance plan information, if the first priority is a plurality of insurance plan information, among the first priority insurance plan information , the first insurance plan information from the first animal insurance service server with the highest premium and the second insurance plan information from the second animal insurance service server with the lowest premium are transmitted to the user terminal 100_1 so that the user can use the first It is possible to select any one of the coverage plan information and the second coverage plan information as specific coverage plan information.

And, referring to FIG. 7, the animal insurance brokerage server 200 transmits the insurance plan selection interface S51 to the user terminal 100_1 so that the user terminal 100_1 displays the insurance plan selection interface S51, The user checks the first insurance plan, the safe plan, and the second insurance plan, the relief plan, through the insurance plan selection interface (S51), and sees each coverage and special contract to obtain specific coverage plan information suitable for the target animal. You can choose to have animal insurance for the target animal.

Meanwhile, in the above description, the animal insurance brokerage server 200 receives the target from at least one animal insurance service servers 400_1 to 400_n that provide animal insurance with reference to the age of the target animal, detailed target animal information, and special contract selection information. The age of the animal, the detailed information on the target animal, and the insurance plan information that can be subscribed corresponding to the special contract selection information were acquired, but unlike this, it has already been acquired from at least one animal insurance service servers 400_1 to 400_n that service animal insurance Among a plurality of insurance plan information, the age of the target animal, detailed information on the target animal, and information on the insurance plan that can be subscribed corresponding to the special contract selection information may be acquired.

Next, the animal insurance brokerage server 200, when selection information for specific insurance plan information is obtained from the user terminal 100_1, requests confirmation of the notice to the user terminal 100_1, and response information from the user You can check whether you can purchase animal insurance by referring to

As an example, referring to FIG. 8 , the animal insurance brokerage server 200 transmits the notice confirmation interface S61 to the user terminal 100_1 so that the user terminal 100_1 displays the notice confirmation interface S61 and , it is possible to allow the user to respond to the notice through the notice confirmation interface (S61).

At this time, the animal insurance brokerage server 200 refers to the response information to the notice to check whether animal insurance can be purchased for each answer the user has responded, and the user terminal 100_1 for the answer that animal insurance cannot be purchased. You can make it known to the user through interaction with the user.

Next, the animal insurance brokerage server 200 requests the insurance target animal information and the insured information corresponding to the target animal to be registered in animal insurance with the user terminal 100_1, and the insurance target animal information and the insured animal information from the user terminal 100_1 When the insured information is obtained, the user terminal 100_1 may be made to pay for animal insurance.

In this case, the insurance target animal information may include at least one of the name of the target animal, the breed of the target animal, the animal registration number of the target animal, the hair color of the target animal, and a picture of the target animal. In this case, information obtained from the user terminal 100_1 or obtained from the animal protection management server 300 may be provided to the user terminal 100_1 as a default.

For example, referring to FIG. 9 , the animal insurance brokerage server 200 transmits the insurance target animal information input interface S71 to the user terminal 100_1 so that the user terminal 100_1 transmits the insurance target animal information input interface S71. may be displayed, and the user may input insurance target animal information through the insurance target animal information input interface S71. In this case, the animal insurance brokerage server 200 may provide the information already obtained from the user terminal 100_1 and the animal protection management server 300 by default. And, the animal insurance brokerage server 200 transmits the insured information input interface S72 to the user terminal 100_1 so that the user terminal 100_1 inputs the insured information through the insured information input interface S72. In this case, the animal insurance brokerage server 200 may allow the user to select consent to personal information through interaction with the user terminal 100_1, and may make it possible to subscribe to animal insurance after selecting consent to personal information.

Next, the animal insurance brokerage server 200 may provide a payment interface to the user terminal 100_1 so that the user terminal 100_1 may select a payment method and a payment method by the user through the payment interface. In this case, the payment method may include at least one of monthly payment, installment payment, annual payment, and lump sum payment.

For example, referring to FIG. 10 , the animal insurance brokerage server 200 transmits the payment interfaces S81 and S82 to the user terminal 100_1 so that the user terminal 100_1 displays the payment interfaces S81 and S82, and , the user may select a payment method and payment method for subscription of animal insurance for the target animal through the payment interfaces S81 and S82, and then perform payment for subscription of animal insurance.

Next, when payment for animal insurance through the user terminal 100_1 is completed, the animal insurance brokerage server 200 transmits the insurance target animal information and the insured information to the specific animal insurance service server corresponding to the specific insurance plan information. This allows the specific animal insurance service server to transmit the insurance certificate for the specific insurance plan information, and may transmit the insurance policy to the user terminal 100_1.

Meanwhile, although the case in which the target animal is one has been exemplarily described above, it is also possible to select a plurality of target animals to purchase animal insurance.

In addition, after signing up for animal insurance by the above operation, the animal insurance brokerage server 200 directly manages contracts for animal insurances subscribed for each insured, that is, each user, and premiums such as monthly, quarterly, yearly, etc. You can manage your payments.

In addition, the embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the computer software field. Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. 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 device may be configured to operate as one or more software modules for carrying out the processing according to the present invention, and vice versa.

In the above, the present invention has been described with specific matters such as specific components and limited embodiments and drawings, but these are provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , various modifications and variations can be devised from these descriptions by those of ordinary skill in the art to which the present invention pertains.

Accordingly, the spirit of the present invention should not be limited to the above-described embodiments, and not only the claims described below, but also all modifications equivalently or equivalently to the claims described below belong to the scope of the spirit of the present invention. will do it

100_1, 100_m: user terminal,
200: animal insurance brokerage server,
300: animal protection management server,
400_1, 400_n: Animal insurance service server

Claims (12)

In the method of providing customized insurance according to the characteristics of animals,
(a) when a subscription request for animal insurance is obtained from the user terminal, the animal insurance brokerage server provides the animal basic information input interface to the user terminal so that the user terminal can obtain the animal through the animal basic information input interface The type of target animal to be insured, the name and age of the target animal are transmitted to the animal insurance brokerage server, and detailed information on the target animal is requested from the user terminal to (i) the user terminal The animal registration number for the target animal is transmitted to the animal insurance brokerage server, and when the animal registration number is transmitted from the user terminal, the animal protection management server using the animal registration number - the animal protection management server is an animal In accordance with the registration system, animal registration numbers for individual identification are given to each animal, and detailed information about the target animal is obtained from the subject who manages the owner information and animal information for each of the animals, or ( ii) causing the user terminal to transmit the target animal detailed information on the target animal to the animal insurance brokerage server;
(b) (b1) the animal insurance brokerage server transmits the special contract information related to the animal insurance to the user terminal so that the user terminal selects the special contract information selected by the user to be insured by the animal insurance among the special contract information At least one animal insurance service server that transmits special contract selection information for the animals to the animal insurance brokerage server, and provides the animal insurance service with reference to the age of the target animal, the target animal detailed information, and the special contract selection information A process of obtaining the age of the target animal, detailed information on the target animal, and insurance plan information corresponding to the special contract selection information, and (b2) the animal insurance brokerage server collects special contract information related to the animal insurance transmits to the user terminal so that the user terminal transmits, to the animal insurance brokerage server, special contract selection information for the special contract information selected by the user to be guaranteed by the animal insurance among the special contract information, to the animal insurance From among a plurality of insurance plan information already acquired from at least one animal insurance service server serving, the age of the target animal, detailed information on the target animal, and information on available insurance plans for subscription corresponding to the special contract selection information are obtained. performing any one of the processes; and
(c) the animal insurance brokerage server transmits the insurance plan information available to the user to the user terminal so that the user terminal displays the insurance plan information available for the user to confirm the insurance plan information that can be subscribed Allows selection of specific insurance plan information to be subscribed to, and when selection information for specific insurance plan information is obtained from the user terminal, the insurance target animal corresponding to the target animal to be registered in the animal insurance with the user terminal requesting information and insured information, and when the insured animal information and the insured information are obtained from the user terminal, causing the user terminal to perform payment for the animal insurance;
includes,
In step (c),
The animal insurance brokerage server refers to the first priority insurance plan information and the second priority insurance plan information with reference to the ranking of the number of special contracts guaranteed in response to the special contract selection information among the available insurance plan information. to the user terminal so that the user can select any one of the first priority insurance plan information and the second priority insurance plan information as the specific insurance plan information, and the first priority insurance plan information In the case where there is a plurality of is, among the insurance plan information of the first priority, the first insurance plan information from the first animal insurance service server with the highest premium and the second animal insurance service server with the lowest premium 2 A method for transmitting the security plan information to the user terminal so that the user can select any one of the first insurance plan information and the second insurance plan information as the specific insurance plan information. According to claim 1,
In step (c),
The animal insurance brokerage server, when selection information for the specific insurance plan information is obtained from the user terminal, requests confirmation of the notice to the user terminal, and the response information to the notice is obtained from the user terminal If it is, it is checked whether the animal insurance can be subscribed by referring to the response information, and when it is confirmed that the animal insurance can be subscribed, the insurance corresponding to the target animal to be registered in the animal insurance with the user terminal How to request subject animal information and said insured information. According to claim 1,
In step (c),
The animal insurance brokerage server provides a payment interface to the user terminal so that the user terminal displays the payment interface, so that the user can use the payment method and payment method through the payment interface - The payment method is monthly payment, installment payment, One of annual payment or lump sum payment - How to choose. According to claim 1,
The detailed information on the target animal includes a breed of the target animal and a gender of the target animal. According to claim 1,
In step (c),
When the animal insurance brokerage server requests the insurance target animal information and the insured information corresponding to the target animal to be registered in the animal insurance with the user terminal, the name of the target animal, the breed of the target animal, the Among the insurance target animal information including at least one of the target animal's animal registration number, the target animal's fur color, and the picture of the target animal, some information already acquired in step (a) is provided to the user terminal, A method of causing the user terminal to display the partial information as a default. According to claim 1,
In step (c),
The animal insurance brokerage server transmits the insurance target animal information and the insured information to a specific animal insurance service server corresponding to the specific insurance plan information when payment for the animal insurance through the user terminal is completed Have the animal insurance service server transmit the insurance policy for the specific insurance plan information to the animal insurance brokerage server, and when the insurance policy is transmitted from the specific animal insurance service server, transmit the insurance policy to the user terminal How to give. In the animal insurance brokerage server that provides customized insurance according to the characteristics of animals,
a memory in which instructions for providing customized insurance according to the characteristics of animals are stored; and
a processor that performs an operation for providing customized insurance according to characteristics of the animal according to the instructions stored in the memory;
includes,
The processor is
(I) When a request for subscription for animal insurance is obtained from the user terminal, an animal basic information input interface is provided to the user terminal to allow the user terminal to subscribe to animal insurance obtained through the animal basic information input interface The type of animal, the name and age of the target animal are transmitted to the animal insurance brokerage server, and detailed information about the target animal is requested from the user terminal (i) so that the user terminal can provide the animal for the target animal The registration number is transmitted to the animal insurance brokerage server, and when the animal registration number is transmitted from the user terminal, the animal protection management server using the animal registration number - The animal protection management server performs each of the animals according to the animal registration system. to obtain detailed information on the target animal from - which is the subject that assigns animal registration numbers for individual identification and manages owner information and animal information for each of the animals; or (ii) to the user terminal A process for causing the target animal to transmit detailed information on the target animal to the animal insurance brokerage server, (II) (II-1) transmit special information related to the animal insurance to the user terminal to cause the user terminal to Among the special contract information, special contract selection information for the special contract information selected by the user to be insured by the animal insurance is transmitted to the animal insurance brokerage server, and the age of the target animal, the target animal detailed information, and the special contract A process of obtaining the age of the target animal, detailed information on the target animal, and available insurance plan information corresponding to the special contract selection information from at least one animal insurance service server that provides the animal insurance service with reference to selection information; and (II-2) The animal insurance brokerage server transmits the special contract information related to the animal insurance to the user terminal so that the user terminal sends the user terminal to the user to be insured by the animal insurance among the special contract information transmits special contract selection information for the special contract information selected by the animal insurance broker to the animal insurance brokerage server, Age, the target animal detailed information, and a process of performing any one of a process of acquiring available insurance plan information corresponding to the special contract selection information, and (III) the available insurance plan information By sending it to the user terminal so that the user terminal displays the subscription possible guarantee plan information, the user can check the subscription possible guarantee plan information and then select the specific insurance plan information that you want to join, and from the user terminal When selection information for specific insurance plan information is obtained, the user terminal requests the animal information and the insured information corresponding to the target animal to be registered in the animal insurance, and the insurance target animal information and the insured information from the user terminal When the insured information is obtained, a process of causing the user terminal to perform payment for the animal insurance is performed,
The processor is
In the (III) process, the first priority insurance plan information and the second priority insurance plan information with reference to the ranking of the number of special contracts guaranteed in response to the special contract selection information among the available insurance plan information to the user terminal so that the user can select any one of the first priority insurance plan information and the second priority insurance plan information as the specific insurance plan information, and the first priority insurance plan information In the case where there is a plurality of is, among the insurance plan information of the first priority, the first insurance plan information from the first animal insurance service server with the highest premium and the second animal insurance service server with the lowest premium 2 Animal insurance brokerage server that transmits the insurance plan information to the user terminal so that the user can select any one of the first insurance plan information and the second insurance plan information as the specific insurance plan information. 8. The method of claim 7,
The processor is
In the process (III), when selection information for the specific guarantee plan information is obtained from the user terminal, a confirmation of the notice is requested to the user terminal, and response information to the notice is obtained from the user terminal If it is, it is checked whether the animal insurance can be subscribed by referring to the response information, and if it is confirmed that the animal insurance can be subscribed, the insurance corresponding to the target animal to be registered in the animal insurance with the user terminal An animal insurance brokerage server that requests target animal information and the insured information. 8. The method of claim 7,
The processor is
In the process (III), by providing a payment interface to the user terminal so that the user terminal displays the payment interface, the user uses the payment method and payment method through the payment interface - The payment method is monthly payment, installment payment, An animal insurance brokerage server that allows you to choose either annual payment or lump sum payment. 8. The method of claim 7,
The target animal detailed information is an animal insurance brokerage server including the breed of the target animal and the gender of the target animal. 8. The method of claim 7,
The processor is
In the process (III), when the user terminal requests the insured animal information and the insured information corresponding to the target animal to be registered in the animal insurance, the name of the target animal, the breed of the target animal, the Among the insurance target animal information including at least one of the target animal's animal registration number, the target animal's fur color, and the picture of the target animal, some information already acquired in the (I) process is provided to the user terminal. An animal insurance brokerage server that allows the user terminal to display the partial information as a default. 8. The method of claim 7,
The processor is
In the process (III), when the payment for the animal insurance through the user terminal is completed, the specific animal insurance information and the insured information are transmitted to the specific animal insurance service server corresponding to the specific insurance plan information. Have the animal insurance service server transmit the insurance policy for the specific insurance plan information to the animal insurance brokerage server, and when the insurance policy is transmitted from the specific animal insurance service server, transmit the insurance policy to the user terminal Giving animal insurance brokerage server.

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