KR20230046886A - Animal insurance service providing system and method of providing animal insurance service using the same - Google Patents

Abstract

The present invention relates to an animal insurance service providing method and, more specifically, to a method for providing insurance service for companion animals, which prevents insurance fraud and makes pet shops as an insurance franchise to provide high reliability and contract convenience. The present invention provides an animal insurance service providing system and an animal insurance service providing method, wherein the system comprises: a pet shop terminal (100) for intermediating companion animal transactions between a consumer and a pet shop, and an insurance contract between a pet insurer and the consumer; an entity information management server (200) for storing and processing information collected by the pet shop terminal (100); and a pet insurer server (300) for processing the insurance contract between the consumer and the pet insurer.

Description

Animal insurance service providing system and method of providing animal insurance service using the same}

The present invention relates to a method for providing animal insurance service, and more particularly, to a method for providing insurance service for companion animals characterized by high reliability and contract convenience by preventing insurance fraud and turning a pet shop into an insurance agency.

In the past, insurance fraud mainly consisted of car theft and intentional arson, but recently, insurance fraud related to injuries and false/excessive claims related to medical care are changing types and methods are evolving. Currently, 95% of 25 life insurance companies and 31 non-life insurance companies are using anti-fraud technology in relation to “person” insurance in Korea. rule), text mining, and link analysis.

However, many loopholes are exposed in insurance for companion animals, not for humans. Pet insurance, which has recently become an issue, also has a loss ratio of 8 pet insurance companies exceeding 300% (data from the Insurance Development Institute in 2019 (excerpt from 2019 pet insurance trend research) ① unfair premium claims for unregistered animals (33.5%), ② animal department Unresolved owner certification problem (23.4%), ③ low animal registration rate (21.8%) are being investigated as the main causes.

In other words, prevention systems or technologies related to “people” have limitations in preventing fraud in pet insurance, and in particular, the technical problem of accurately matching owner and companion animal information has not been resolved.

In the case of some pet insurance companies, regardless of whether or not the animal is registered, the age range is widened (2 months to 8 years old can be enrolled), but

① Unfair claim for insurance money (Typical type: ⑴ Receive treatment that is not needed during treatment and make a claim ⑵ Raise two of the same species, one is insured, the other is not insured and uninsured after treatment and subscribed to companion animal insurance act of claiming)

② Deceive the age of the individual ③ Hide the pre-existing condition at the time of subscription and treat immediately after the insurance takes effect, the loss rate is increasing over time.

As fraud against companion animals increases as described above, it is difficult for insurers to develop affordable pet insurance products due to low trust in companion animal owners, and high insurance premiums act as a factor hindering the increase in pet insurance subscription rates. For this reason, the domestic pet insurance subscription rate is very low at around 1%.

Therefore, in order to lower insurance premiums and reduce loss ratio, it is time to develop a history management service that can ultimately match entity and owner information and insurance fraud prevention technology using registered entity history data.

Related prior literature is introduced below. Identification codes in the following prior documents are irrelevant to the present invention.

Republic of Korea Patent Registration No. 10-1903377 'Integrated management of animal individual information related to animal insurance and treatment entity specific system using entity recognition means' receives insurance patients using entity recognition means (terminal) and provides treatment related to insurance claims In each process, an order is placed after scanning through object recognition means to prevent general patients from receiving unfair insurance benefits, and to provide animal information related to animal insurance that can specifically specify the patient's treatment history. It is about a treatment entity specific system using integrated management and entity recognition means. According to the above configuration, from the reception stage through the electronic chart, the insurance subscriber is scanned and received through the entity recognition means (reader), and in the case of insurance claim-related treatment of the insurance subscriber, each treatment such as inspection, treatment, prescription, approval, etc. All parts that may be claimed for insurance related to insurance performed at each stage are scanned through object recognition means (reader) and then go through the treatment stage, and this is recorded as an action log record to verify the treatment claim of the insurance-related object. It is possible to eliminate distrust between insurers, guardians, and veterinarians by further subdividing and providing a large number of objective judgment samples for verification.

Korean Patent Publication No. 10-2020-0042379 'An animal identification method combining a plurality of entity identification technologies, a method and apparatus for providing animal insurance service using the same' is an animal identification method combining a plurality of entity identification technologies and an animal using the same An insurance service providing method and apparatus are disclosed. An animal insurance service providing method using an animal identification method combining a plurality of entity identification technologies includes selective entity identification information using at least one of tag recognition, image recognition, and voice recognition according to an entity identification type selected for insurance subscription of a target animal. Receiving an animal insurance subscription request that includes; obtaining a genetic test result for the target animal as essential individual identification information; and determining whether or not the target animal is eligible for insurance by using at least one of the optional entity identification information and the essential entity identification information.

However, No. 10-1903377 or No. 10-2020-0042379 are also for owners and companion animals.

There was a problem of not being able to provide technology that exactly matched information and insufficient response to insurance fraud.

Republic of Korea Patent Registration No. 10-1903377 'Integrated management of animal individual information related to animal insurance and treatment entity specific system using entity recognition' Registration date September 21, 2018 Republic of Korea Patent Registration No. 10-2194684 'An animal identification method combining multiple entity identification technologies, a method and device for providing animal insurance service using the same' Publication date 10-2020-0042379 Registration date December 17, 2020

Currently, there is no integrated animal history management system. In addition, the current built-in chip registration method is low in efficiency, so it is necessary to improve the object authentication method with an AI-based inscription registration method.

Accordingly, the technical problem to be achieved by the present invention is to lower the loss ratio of pet insurance companies.

To this end, the pet shop becomes an agent of insurance contracts to suggest a method for collecting companion animal and owner information, and at the same time to provide a pet insurance fraud prevention solution using companion animal object information and owner's insurance claim data.

The technical problem to be achieved by the present invention is not limited to the above-mentioned technical problem, and other technical problems not mentioned can be clearly understood by those skilled in the art from the description below. There will be.

In order to achieve the above technical problem, an embodiment of the present invention animal insurance

A service providing system comprising: a pet shop terminal 100 for mediating a transaction of a companion animal between a consumer and a pet shop and an insurance contract between a pet insurance company and a consumer; an object information management server 200 for storing and processing the information collected by the pet shop terminal 100; A pet insurance company server 300 for processing an insurance contract between the consumer and the pet insurance company; Including, the pet shop terminal 100. an entity information input module 110 for inputting entity information of an animal; an entity information authentication module 120 for authenticating the input entity information of the animal; a sales contract conclusion module 130 for concluding a sales contract between a consumer and a pet shop; An insurance contract conclusion module 140 for mediating an insurance contract between a consumer and a pet insurance company; The entity information management server 200 includes an entity information database 210 storing information collected from the pet shop terminal 100; an animal information search API service module 220 that provides information of the object information database 210 so that pet insurance companies can search; a profiling module 230 for profiling the entity information of the entity information database 210 including animal species, age, and medical history information through a graph-based clustering method; AI module 240 for clustering processing of the profiling module 230 and processing unstructured data; an operating guideline providing module 250 for deriving operating guideline information of the pet shop through the AI module 240 based on the profiling information of the profiling module 230; It is intended to solve the above problems by providing an animal insurance service providing system and an insurance service providing method using the same, characterized in that it includes.

That is, the present invention is to provide a highly reliable insurance contract based on abundant information obtained from the front line by making a pet shop, which sells companion animals, an insurance contract agent.

According to an embodiment of the present invention, a pet shop is converted into a dealership and configured as a major hub for all procedures and information such as sales, insurance, and management of companion animals. Accordingly, based on the vast amount of information held by the pet shop, the history and authenticity of the entity are secured through the collation of information entered for each procedure, thereby providing the advantage of being able to specify the animal, which is the contract of the insurance contract, and the user who is the owner of the animal without misidentification. there is.

In addition, according to the present invention, problems such as excessive claims for insurance premiums can be solved by converting data such as a plurality of treatment costs into big data and providing them to the insurance company.

The effects of the present invention are not limited to the above effects, and should be understood to include all effects that can be inferred from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a configuration diagram for explaining the animal insurance service providing system of the present invention.

Hereinafter, the present invention will be described with reference to the accompanying drawings. However, the present invention may be embodied in many different forms and, therefore, is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is said to be "connected (connected, contacted, combined)" with another part, this is not only "directly connected", but also "indirectly connected" with another member in between. "Including cases where In addition, when a part "includes" a certain component, it means that it may further include other components without excluding other components unless otherwise stated.

Terms used in this specification are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as "include" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded.

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

1 is a block diagram of a system for explaining the animal insurance service providing method of the present invention. As shown in Figure 1, the present invention in the animal insurance service providing system,

a pet shop terminal 100 for mediating companion animal transactions between consumers and pet shops and insurance contracts between pet insurance companies and consumers;

an object information management server 200 for receiving, storing, and processing information collected from the pet shop terminal 100;

A pet insurance company server 300 for processing an insurance contract between the consumer and the pet insurance company;

Including,

The pet shop terminal 100 is.

an entity information input module 110 for inputting entity information of an animal;

an entity information authentication module 120 for authenticating the input entity information of the animal;

a sales contract conclusion module 130 for concluding a sales contract between a consumer and a pet shop;

An insurance contract conclusion module 140 for mediating an insurance contract between a consumer and a pet insurance company;

Including,

The object information management server 200,

Storing the information collected from the pet shop terminal 100

an entity information database 210;

an animal information search API service module 220 that provides information of the object information database 210 so that pet insurance companies can search;

a profiling module 230 for profiling the entity information of the entity information database 210 including animal species, age, and medical history information through a graph-based clustering method;

an AI module 240 for clustering processing of the profiling module 230 and processing unstructured data;

an operating guideline providing module 250 for deriving operating guideline information of a pet shop using the AI module 240 based on the profiling information of the profiling module 230;

It provides an animal insurance service providing system comprising a.

A history management application for sales contract, insurance contract, and management of companion animals is installed in the pet shop terminal 100, and the application includes an entity information input module 110 for inputting entity information of an animal; Entity information for authenticating the input animal entity information

an authentication module 120; A sales contract for concluding a sales contract between a consumer and a pet shop

a fastening module 130; Insurance contract to mediate insurance contract between consumer and pet insurance company

It includes the software modules of the fastening module 140.

Through the object information input module 110, the animal's epitaph, photo, age, breed,

Information such as medical treatment history, vaccination status, and pedigree information is entered. Accordingly, the above

The input module 110 is for acquiring image information such as inscriptions or photos in addition to software modules.

It may include a hardware module of an input device such as a camera.

The entity information authentication module 120 converts the received information such as inscription, photo, age, breed, treatment history, vaccination status, and lineage information into the entity information database 210 of the entity information management server 200. It checks whether the entity matches by comparing the information in , and accordingly, it is possible to solve problems such as insurance fraud using other similar animals that have not been subscribed to the insurance contract.

The sales contract conclusion module 130 for concluding a sales contract between the consumer and the pet shop processes the sales contract between the consumer and the pet shop when the pet shop sells animals. The sales contract may include registration and renewal procedures in the object information database 210, ownership transfer procedures, and price payment procedures.

The insurance contract conclusion module 140 for brokering an insurance contract between the consumer and the pet insurance company is connected to the database and the online contract conclusion module of the pet insurance company server 300 through a wired or wireless communication network, and mediates the insurance contract between the consumer and the pet insurance company do. In order to prevent insurance contract fraud, the insurance contract conclusion module 140, as described above, through the entity information authentication module 120,

Matches the entity by comparing the input information such as inscription, photo, age, breed, medical treatment history, vaccination status, pedigree information, etc. with the information in the entity information database 210 of the entity information management server 200 By checking whether or not, the authenticity of the object is authenticated.

The object information of the animal includes structured data and unstructured data, and when the object information is an epitaph, the history management application includes an inscription photographing module, and the inscription photographing module assists the terminal camera in close-up photography for inscription photographing. do.

The object information database 210 is preferably operated through a separate entity information management server 200 from a separate insurance company, and to supplement the limitations of existing fraud detection technology applied to 'human' insurance, animal It is preferable to apply insurance claim profiling through segmentation by type and profiling module. That is, by profiling by the profiling module 230 through a graph-based clustering method for each element of the medical statement, such as animal species, age, and disease, information on the criterion for determining the possibility of billing fraud is provided.

In addition, it is preferable that the entity information management server 200 that manages the entity information database 210 includes an AI module 240 to process clustering and other unstructured data. The unstructured data collectively refers to all data other than standardized text information such as images, and can be classified and processed through CNN technology. The image of the inscription can also be specified through the AI module 240.

In addition, the AI module simultaneously considers the structured data and the unstructured data.

A learning-based algorithm may be provided. An example of a learning-based algorithm is shown below.

○ In the preprocessing process, missing values, outliers, etc. are checked and deleted or replaced with average values.

○ If the units of variables are different or the distribution of variables is biased, normalize using scale, log function, etc.

○ Select statistically significant variables using test methods such as t-test and chi-square test for the variables created in the previous step.

○ Variables created in the previous step to be tested with the machine learning method

Divide into independent and dependent variables

○ Delete unnecessary parts of unstructured data (photos, inscriptions) and perform labeling for learning

○ Labeling is expressed as a one-hot vector in a format suitable for machine learning

○ For CNN analysis, use a model created in advance using inscription photos and face photos collected after the conversion process in vector form for CNN analysis. Vector conversion by weed-embedding each test data sample.

○ Perform machine learning by analyzing the data converted by Wid embedding with CNN, and extract the result value from the sample

○ Heterogeneous combination of structured data input variables and unstructured data result values to create a final integrated data set, and learning is performed by applying an algorithm to the through data set

Through the above algorithm, structured data and unstructured data are sorted and profiled at the same time, which can be applied to determine the identity and authenticity of an entity. Based on the profiling information of the profiling module 230, the operation guideline providing module 250, which derives the operation guideline information of the pet shop using the AI module 240, is a deep learning technology of the AI module 240 Realize the advancement of services through utilization and continuous insight extraction. The guideline information may include preparation for specific diseases, demand trends, guide information for each life cycle, and the like.

An example of guide information provided from the guideline providing module 250 is as follows.

1. Statistical analysis on the occurrence of disease in pre-sale animals and provision of management guide through the animal insurance service provision system

1.1 Provide statistical analysis information

- Frequency of disease in animals

- Major diseases of animals

- Animal health indicators by year/month/day

- Animal Preferred Breed Indicator

- Adoptee preference insurance statistics

1.2 Provision of management guide information

- Guidance on required vaccinations according to animal age (number of months)

- Guidance on the risk of disease occurrence according to animal age (number of months)

- Appropriate insurance information according to animal age (number of months)

2. Provide information on the points to keep in mind for animal management before and after the sale of animals

2.1 Pre-sale management precautions guide information

- Visually observable health condition check

- Health condition check through checkup kit

2.2 Guidelines on precautions for post-sale management

- Insurance guide according to the age of the animal

- Health condition check through photos, videos, or questionnaires

- Parenting guide by animal breed and month age

3. Insurance Guide to Compensate for Pet Shop Losses

- Insurance product guide to compensate for losses due to illness or death

- Insurance product guide for resolving issues (disease or injury) with adoptees after sale

4. Provide estimated daily KPI of pet shop through statistics on owned animals, pre-sale animals, and insurance services throughout the system

- Provision of estimated sale statistics by year/month/day and estimated risk figures (comparative figures) of disease (or death)

- Provision of sales statistics by region and region, proposals for sales varieties, and expected KPI

- Suggestions of preferred breeds for adoption by date and provision of expected KPI

- Provision of insurance products before and after the sale of animals and provision of expected loss rates

The present invention goes further,

In the animal insurance service providing method using the above animal insurance service providing system,

inputting into the animal entity information DB 210 of the entity information management server 200 through the entity information input module of the pet shop terminal 100 (s100);

a step of concluding an animal sale contract between the consumer and the pet shop through the sale contract conclusion module 130 of the pet shop terminal 100 (s200);

An animal insurance contract conclusion step between the consumer and the pet insurance company through the insurance contract conclusion module 140 of the pet shop terminal 100 (s300);

providing guideline information to a corresponding pet shop based on the profiled information of the profiling module 230 of the entity information management server 200 by the guideline providing module 250 (s400);

including,

In step s200 of concluding an animal sale contract between the consumer and the pet shop through the sale contract conclusion module 180 of the pet shop terminal 100,

Inputting the personal information of the consumer and the individual information of the animal, which is the object of the contract, through the sale contract conclusion module 180 (s210);

The individual information of the animal entered in step s210 of inputting the personal information of the consumer and the entity information of the animal, which is the object of the contract, through the sale contract conclusion module 180 is entered through the entity information input module of the pet shop terminal 100. The step of comparing the entity information of the animal in the input step (s100) to the animal entity information DB 210 of the information management server 200 (s220);

After signing the online sales contract, updating object information about the owner change of the object information management server 200 through the object information input module 110 (s230);

including,

The animal insurance contract conclusion step (s300) between the consumer and the pet insurance company through the insurance contract conclusion module 140 of the pet shop terminal 100,

comparing animal entity information stored in the entity information DB 210 of the entity information management server 200 with animal entity information stored in the insurance company DB through the entity information authentication module 120 (s310);

Transmitting the result of the collated information to the insurance company (s320);

It provides an animal insurance service providing method comprising a.

The input step (s100) to the animal entity information DB 210 of the entity information management server 200 through the entity information input module of the pet shop terminal 100 is an animal epitaph (卑紋) in a sales office that sells animals such as pets. ), and input object information such as photos into the object information DB 210.

As described above, the entity information of the animal includes structured data and unstructured data.

Including, if the object information is an inscription, the history management application is provided with an inscription photographing module, and the inscription photographing module assists in close-up photography of the terminal camera for inscription photographing. In addition, it is preferable that the server managing the entity information DB includes an AI module to process clustering and other unstructured data. The unstructured data collectively refers to all data other than standardized text information such as images, and can be classified and processed through CNN technology. The image of the inscription can also be specified through the AI module.

Contact between the consumer and the pet shop through the sale contract conclusion module 130 of the pet shop terminal 100

The animal sale contract conclusion step (s200) is concluded by the sale contract conclusion module 130 of the sale contract application, and the ownership of the animal is transferred from the pet shop (sales office) to the consumer in the contract.

It is preferable that the contents of the transfer contract are also stored in the object information DB 210, or may be stored in a separate DB for storing the contract contents.

In the input step (s210) of the individual information of the animal, which is the object of the contract and the personal information of the consumer through the sale contract conclusion module 180, object information through the object information input module of the pet shop terminal 100 in which the history management application is installed in the pet shop As in the step of inputting the management server 200 to the animal entity information DB 210 (s100), entity information such as animal inscriptions and photos is input into the entity information DB.

At this time, when the object information is an inscription, as described above, the history management application includes an inscription photographing module, and the inscription photographing module assists the terminal camera in close-up photography for inscription photographing. It is desirable to increase convenience by automatically recognizing inscription areas without user intervention by applying AI technology (object detection, landmarks detection, deblurring, etc.).

Accordingly, the input information from the sales office and the input information of the consumer are stored in the object information DB 210, and the input information is compared to determine whether they match. That is, the individual information of the animal entered in step s210 of inputting the individual information of the animal, which is the object of the contract and the personal information of the consumer through the sale contract conclusion module 180, is entered through the entity information input module of the pet shop terminal 100. The above determination is made in the step (s220) of comparing the entity information of the animal in the input step (s100) into the animal entity information DB (210) of the entity information management server (200) through the entity information management server (200). It serves as basic information to determine the authenticity and identity of The collating step (s220) may be performed through the AI module to check whether the information extracted as the same entity, the information input through the management system, and the information input at the time of registration of the inscription match.

After signing the online sales contract, updating the object information about the change in the owner of the object information management server 200 through the object information input module 110 (s230) is the object of the animal periodically while the consumer raises the animal after the contract. Enter information and leave a history.

That is, the consumer inputs through the terminal where the consumer's own history management application is installed, and the input information is entered into the object information DB 210 and updated. The above information preferably includes unique identification information such as an inscription, a tooth state image, and information on an embedded chip for identification.

In the step (s230) in which the consumer inputs the entity information of the animal through the terminal in which the entity registration application is installed after the conclusion of the online sale contract, the entity information input becomes information having a time interval during which the animal grows and ages. Accordingly, the input information in the above step (s230) is compared with the object information in the step (s100) of inputting the object information of the animal into the object information DB through the pet shop terminal 200 in which the history management application is installed in the pet shop and The information is continuously accumulated through the updated step (s240) and forms the history of the animal. This history continuously confirms the identity through unique identification information such as inscriptions included.

In addition, in the step (s230) of updating the entity information on the change in the owner of the entity information management server 200 through the entity information input module 110 after the online sales contract is concluded, the entity information of the animal is used for treatment by a veterinarian. It is desirable to include medical cost data according to the Accordingly, it is possible to solve problems such as excessive claims of insurance premiums by converting data such as a large number of treatment costs into big data and providing the data to the insurance company.

Through the terminal where the insurance contract application is installed, consumers and insurance companies

In the animal insurance contract conclusion step (s300), through the entity information authentication module 120, the animal entity information stored in the entity information DB 210 of the entity information management server 200 is compared with the animal entity information of the insurance company DB. In step s310, through the animal information inquiry API service provision module of the entity information management server, the insurance company can easily view the information of the entity information DB and confirm the matching rate determination information with the information processed by the AI module and the profiling module. there is.

That is, the present invention provides a multi-checking technology for error information and false information through bi-directional information exchange and comparison.

○ First, for information accuracy, the data entered through the management system and the data entered through the inscription app are transmitted and stored in the object information DB of the object information management server to compare and contrast with the subscriber information of the contracted pet insurance company,

○ Check the result of sending and saving data,

○ After confirming the correspondence between the animal information subscribed to insurance and the information stored in the company’s system, extract the same object information,

○ Check whether the information extracted as the same object, the information entered through the management system, and the information entered when registering the inscription match through AI technology.

○ In order to distinguish false information caused by the owner's mistake and intentional information (1) Insurance company information: (2) Information on the object information DB of the object information management server (3) Distinguish between error information and fake information by comparing inscription registration information Recorded items (except for important contract information) are judged as erroneous information if they match more than 95% and are inaccurate less than 5%. If it is more than that, it is judged as fake information and the result is provided.

○ Secondary, insurance subscription information (breed, age, owner information and inscription information) is transmitted and stored in the server, excluding important information, through the contracted pet insurance company.

○ Based on the transmitted information, the identity of the information stored in the management system and the fingerprint authentication system is verified through AI technology.

○ Divide each large item into companion animal and owner items, and divide small items into breed, age, gender / owner's name, address, and phone number, and check the consistency of the information.

○ Finally, through the inscription, it is verified whether the insured object is the same object and whether it matches the owner information.

○ Through inscription authentication, if the identity of the entity is more than 99%, the identity certification integrity of insurance subscription is determined.

According to the above embodiment of the present invention, data with continuity is generated by continuously managing the history of animals, and by comparing them multiple times, a matching rate is calculated to determine the authenticity of the information, thereby providing more reliable information related to animal insurance. can provide.

Although the present invention has been described with the accompanying drawings, this is only one example of various embodiments including the gist of the present invention, and is intended to be easily practiced by those skilled in the art. As an object, it is clear that the present invention is not limited to the embodiments described above. Therefore, the protection scope of the present invention should be construed by the following claims, and all technical ideas within the equivalent range by change, substitution, substitution, etc. within the scope of the present invention are the rights of the present invention. will be included in the scope. In addition, it is clear that some configurations in the drawings are provided exaggerated or reduced than actual ones for more clearly explaining the configuration. In addition, claim numerals are provided only to aid understanding and do not mean that the shape and structure of the present invention are limited to the accompanying drawings.

100. Pet shop terminal
110. Entity information input module
120. Entity information authentication module
130. Sales contract conclusion module
140. Insurance contract conclusion module
200. Object information management server
210. Entity information database
220. Animal information inquiry API service module (220)
230. Profiling module
240. AI module (240)
250. Operation guideline provision module
300. Pet insurance company server

Claims (3)

In the animal insurance service providing system,
a pet shop terminal 100 for mediating companion animal transactions between consumers and pet shops and insurance contracts between pet insurance companies and consumers;
an object information management server 200 for receiving, storing, and processing information collected from the pet shop terminal 100;
A pet insurance company server 300 for processing an insurance contract between the consumer and the pet insurance company;
Including,
The pet shop terminal 100,
an entity information input module 110 for inputting entity information of an animal;
an entity information authentication module 120 for authenticating the input entity information of the animal;
a sales contract conclusion module 130 for concluding a sales contract between a consumer and a pet shop;
An insurance contract conclusion module 140 for mediating an insurance contract between a consumer and a pet insurance company;
Including,
The object information management server 200,
an object information database 210 for storing information collected by the pet shop terminal 100;
So that the pet insurance company can search the information of the object information database 210
Provided animal information search API service module 220;
a profiling module 230 for profiling the entity information of the entity information database 210 including animal species, age, and medical history information through a graph-based clustering method;
AI module 240 for clustering processing of the profiling module 230 and processing unstructured data;
an operating guideline providing module 250 for deriving operating guideline information of a pet shop using the AI module 240 based on the profiling information of the profiling module 230;
Animal insurance service providing system comprising a.
In the animal insurance service providing method using the animal insurance service providing system of claim 1,
inputting into the animal entity information DB 210 of the entity information management server 200 through the entity information input module of the pet shop terminal 100 (s100);
a step of concluding an animal sale contract between the consumer and the pet shop through the sale contract conclusion module 130 of the pet shop terminal 100 (s200);
An animal insurance contract conclusion step between the consumer and the pet insurance company through the insurance contract conclusion module 140 of the pet shop terminal 100 (s300);
providing guideline information to a corresponding pet shop based on the profiled information of the profiling module 230 of the entity information management server 200 by the guideline providing module 250 (s400);
including,

Communication between the consumer and the pet shop through the sale contract conclusion module 180 of the pet shop terminal 100
The step of signing an animal sales contract (s200)
Inputting the personal information of the consumer and the individual information of the animal, which is the object of the contract, through the sale contract conclusion module 180 (s210);
The individual information of the animal entered in step s210 of inputting the personal information of the consumer and the entity information of the animal, which is the object of the contract, through the sale contract conclusion module 180 is entered through the entity information input module of the pet shop terminal 100. The step of comparing the entity information of the animal in the input step (s100) to the animal entity information DB 210 of the information management server 200 (s220);
After signing the online sales contract, updating object information about the owner change of the object information management server 200 through the object information input module 110 (s230);
Including,
The animal insurance contract conclusion step (s300) between the consumer and the pet insurance company through the insurance contract conclusion module 140 of the pet shop terminal 100,
comparing animal entity information stored in the entity information DB 210 of the entity information management server 200 with animal entity information stored in the insurance company DB through the entity information authentication module 120 (s310);
Transmitting the result of the collated information to the insurance company (s320);
Animal insurance service providing method comprising a.
According to claim 2,
In the input step (s100) to the animal entity information DB 210 of the entity information management server 200 through the entity information input module of the pet shop terminal 100, the entity information of the animal includes structured data and unstructured data, Animal insurance service providing method, characterized in that the structured data and unstructured data are processed by the AI module (240).

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