KR20230089725A - Method, Apparatus and System for transaction insurance policy - Google Patents

Abstract

To provide insurance policy trading methods, devices and systems. An insurance policy transaction method provided between a policyholder terminal and an investor terminal by a server according to an embodiment of the present invention includes receiving an insurance product change request signal from the policyholder terminal; Calculating a transferable amount of a first insurance policy corresponding to an insurance product change request signal of the policyholder terminal based on artificial intelligence; generating transferable amount information calculated for the first insurance policy and transmitting the information to the policyholder terminal; Receiving an insurance policy investment request signal of the investor terminal; providing information on the first insurance policy that can be underwritten and information on an amount that can be underwritten to the investor terminal; And it is possible to transmit information on the results of conclusion of an insurance policy transfer contract between the policyholder terminal and the investor terminal.

Description

Method, apparatus and system for transaction insurance policy {Method, Apparatus and System for transaction insurance policy}

This specification relates to an insurance policy transaction method, and more specifically, for an insurance policy that can be transferred or acquired (or invested) before a contract, when canceling early within the contract period, the transferable amount or the amount that can be acquired is calculated, and the calculated An insurance policy transaction that can provide a transferable amount or an underwriting amount to a policyholder terminal or an investor terminal to provide a reasonable amount to a user of a transferable insurance policy that is canceled early within the contract period and a user who underwrites the transferable insurance policy It relates to methods, devices and systems.

In general, in an insurance policy transaction method, insurance-related information is provided to a policyholder, and upon approval of the policyholder, a corresponding insurance contract is concluded and an insurance policy is issued.

This transaction method has a problem in that it cannot perform a function related to the conclusion of a new insurance contract and the issuance of an insurance policy, so that it cannot perform a function of transferring or acquiring an insurance policy that can be transferred/acquired through the above method.

In addition, when the transfer or the transferable insurance policy is transferred, the transfer user receives only a standard refund amount according to a low standard refund rate presented by the insurance company, so there is a problem in that it suffers a huge financial loss due to the transfer.

The purpose of this specification is to calculate the transferable amount by applying weights according to the payment period, inflation rate, demand/supply ratio, special weight, etc. Providing the calculated transferable amount to the policyholder's terminal to perform the transfer function for the transferable insurance policy, thereby maximizing the profits of the user of the policyholder's terminal Providing an insurance policy trading method, apparatus and system is to do

Another purpose of this specification is to perform the underwriting function for the underwriting insurance policy by providing the underwriting amount discounted by a certain amount compared to the premium paid to the investor terminal when underwriting the transferable or underwriting insurance policy, An object of the present invention is to provide an insurance securities trading system and method, apparatus and system capable of maximizing the user's profit of an investor terminal through this.

Another purpose of this specification is to change the insurance product to the insurance product or subscribe to a new insurance product by acquiring any insurance product or purchasing a new insurance product with a transferable amount along with the contract transfer of the insurance policy purchased. It is an object of the present invention to provide an insurance securities trading system and method, apparatus and system capable of improving the convenience of subscribers through this.

An insurance policy transaction method provided between a policyholder terminal and an investor terminal by a server according to an embodiment of the present invention to solve the above problem includes receiving an insurance product change request signal from the policyholder terminal; Calculating a transferable amount of a first insurance policy corresponding to an insurance product change request signal of the policyholder terminal based on artificial intelligence; generating transferable amount information calculated for the first insurance policy and transmitting the information to the policyholder terminal; Receiving an insurance policy investment request signal of the investor terminal; providing information on the first insurance policy that can be underwritten and information on an amount that can be underwritten to the investor terminal; And it is possible to transmit information on the results of conclusion of an insurance policy transfer contract between the policyholder terminal and the investor terminal.

According to the insurance policy trading method according to an embodiment of the present invention, the step of calculating the transferable amount of the first insurance policy includes a payment period, an inflation rate, a demand/supply ratio, a special weight, and the received subscription information. An additional refund amount calculated based on at least one of the payment amount and the standard refund amount, and an artificial intelligence learning model generated using data on the standard refund amount as training data to calculate a transferable amount for the first insurance policy can

According to the insurance policy trading method according to an embodiment of the present invention, the underwriting amount for the first insurance amount is pre-stored in relation to the payment period, inflation rate, demand/supply ratio, special weight, and any insurance policy. Calculate the first insurance policy by learning through an artificial intelligence learning model generated by using data on the discount amount and payment amount calculated based on at least one of the payment amount and the standard refund amount included in the subscription information as training data, The amount presented by the investor terminal may be referred to.

According to the insurance policy trading method according to an embodiment of the present invention, the transferable amount and the underwriting amount for the first insurance policy may be different.

According to the insurance policy transaction method according to an embodiment of the present invention, the transferable amount for the first insurance policy may be an amount included as a fee preset by the server.

According to the insurance policy trading method according to an embodiment of the present invention, the underwriting amount for the first insurance policy may be an amount obtained by discounting a commission preset by the server.

According to the insurance policy transaction method according to an embodiment of the present invention, the transferable amount and the underwriting amount for the first insurance policy are based on whether the first insurance policy is currently available for subscription, scarcity, and the first insurance policy It may be determined by referring to at least one of the number of insurance products having the same or similar purpose, the transaction frequency of the first insurance policy, and the transaction completion rate of the first insurance policy.

According to the insurance policy trading method according to an embodiment of the present invention, the method may further include generating information on recommended insurance policies that can be acquired by the first terminal based on the calculated transferable amount and transmitting the information to the first terminal. .

An apparatus for trading insurance securities between a policyholder terminal and an investor terminal according to an embodiment of the present invention includes a memory; And a processor, wherein the processor receives an insurance product change request signal from the policyholder terminal, calculates a transferable amount of a first insurance policy corresponding to the insurance product change request signal of the policyholder terminal, and the first When information on the transferable amount calculated for the insurance policy is generated and transmitted to the policyholder terminal, and an insurance policy investment request signal from the investor terminal is received, the information on the first insurance policy that can be underwritten by the investor terminal and information on the amount that can be underwritten By providing, it is possible to transmit information on the result of conclusion of an insurance policy transfer contract between the policyholder terminal and the investor terminal.

System for insurance policy transaction according to an embodiment of the present invention, the policyholder terminal for transferring the first insurance policy contract; an investor terminal for underwriting the first insurance policy; And a server supporting insurance policy transactions between the policyholder terminal and the investor terminal, wherein the server receives an insurance product change request signal from the policyholder terminal, and a third corresponding to the insurance product change request signal of the policyholder terminal Calculate the transferable amount of one insurance policy, generate and transmit the transferable amount information calculated for the first insurance policy to the policyholder terminal, and receive an insurance policy investment request signal from the investor terminal, the investor terminal By providing information on the first insurance policy that can be underwritten and information on an amount that can be underwritten by , it is possible to transmit result information of an insurance policy transfer contract conclusion between the policyholder terminal and the investor terminal.

The insurance securities trading system and method according to the embodiment of the present specification, upon the transfer of a contract or an insurance policy that can be accepted under a contract, the standard refund amount presented by the insurance company according to the payment period, inflation rate, demand/supply ratio, special weight, etc. By applying a weight to calculate the transferable amount and providing the calculated transferable amount to the policyholder's terminal, the transfer function for the transferable insurance policy can be performed, thereby maximizing the user's profit of the policyholder's terminal. there is.

In addition, the insurance securities trading system and method according to the embodiment of the present specification provides an underwriting amount discounted by a certain amount compared to the premium paid when underwriting a transferable or underwriting insurance policy, thereby providing an underwriting amount to an investor terminal, It is possible to perform an underwriting function for securities, and through this, the user's profit of the investor's terminal can be maximized.

In addition, the insurance securities trading system and method according to the embodiment of the present specification, along with transferring the subscribed insurance policy, acquires any insurance product with a transferable amount or subscribes to a new insurance product, Subscribers' convenience can be improved by changing insurance products or providing subscription to new insurance products.

1 is a block diagram showing the configuration of an insurance system to which an insurance securities trading system according to an embodiment of the present invention is applied.
2 is a block diagram showing the configuration of an insurance securities trading system according to an embodiment of the present invention.
3 is a flowchart of an insurance policy trading method according to an embodiment of the present invention.
4 is a signal flow diagram showing a communication process of an insurance securities trading system according to an embodiment of the present invention.
5 is a diagram of an insurance policy transaction prediction scenario according to an embodiment of the present invention.
6 is a diagram illustrating an insurance policy service application screen according to an embodiment of the present invention.

Hereinafter, an insurance policy transaction method according to the present specification will be described in detail with reference to the accompanying drawings.

Since the present invention can make various changes and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. This is not intended to limit the present invention to specific embodiments, and it can be understood to include all changes, equivalents, and substitutes included in the spirit and technical scope of the present invention.

In describing the present invention, terms such as first and second may be used to describe various components, but the components may not be limited by the terms. The terms may only be used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention.

When a component is referred to as being "connected" or "connected" to another component, it may be directly connected or connected to the other component, but other components may exist in the middle. can be understood On the other hand, when an element is referred to as “directly connected” or “directly connected” to another element, it may be understood that no other element exists in the middle.

Terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions may include plural expressions unless the context clearly dictates otherwise.

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

In addition, the following embodiments are provided to more completely explain to those with average knowledge in the art, and the shapes and sizes of elements in the drawings may be exaggerated for clearer explanation.

Various embodiments described below may be implemented in a recording medium readable by a computer or similar device using software, hardware, or a combination thereof. According to hardware implementation, embodiments of the present invention are ASICs (application specific integrated circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays, processors It may be implemented using at least one of processors, controllers, micro-controllers, microprocessors, and electrical units for performing functions.

Meanwhile, according to software implementation, embodiments such as procedures or functions in the present invention may be implemented together with a separate software module that performs at least one function or operation.

Hereinafter, for the convenience of explanation and understanding of the present invention in this specification, the transaction of the insurance policy may be made in the form of a transfer or name change of the name of the policyholder and the beneficiary of the insurance contract in the actual field. Meanwhile, the transaction may be defined as transfer of an insurance contract or underwriting of an insurance contract.

1 is a block diagram showing the configuration of an insurance system to which an insurance securities trading system according to an embodiment of the present specification is applied.

Referring to FIG. 1 , the insurance system 10 is composed of a policyholder terminal 100 , an insurance securities trading system 200 , an investor terminal 300 , an insurance server 400 , and a financial server 500 . Not all of the components of the insurance system 10 shown in FIG. 1 are essential components, and the insurance system 10 may be implemented by more components than those shown in FIG. Also, the insurance system 10 may be implemented. The policyholder terminal (or first terminal) 100 may generate an insurance product change request signal for changing an insurance product according to user manipulation/input. In this case, the insurance product change request signal may be generated by a request for subscription information for a subscribed insurance product according to the user manipulation/input or a selection after requesting the subscription information. Here, the insurance product change signal includes user information (eg, name, social security number, phone number, e-mail address, address, insurance policy number, request for subscription information or purpose or intention of changing insurance product, etc.) including at least one of them) and the like.

In this specification, the change of an insurance product may refer to any one or a combination of the transfer of an existing insurance product, the acquisition of a new insurance product, and the subscription of a new insurance product. For example, when an insurance product change request is transmitted from the policyholder terminal 100 to the insurance securities transaction system 200, the insurance policy transaction system 200 responds to the policyholder terminal 100 user's request to change the insurance product. i) Return by calculating the transferable amount (or estimated transfer amount) for the insurance product, ii) Returning a list of recommendations for insurance product information that can be acquired based on the calculated transferable amount together with the above i), and iii) In addition to ii) above, any one of returning a new insurance product recommendation list may be performed. In this case, in the case of iii), the new insurance product recommendation list may also include a user-customized new insurance newly created by communicating with the insurance server 400 . In addition, in preparing the recommendation list of ii) and iii), the insurance securities trading system 200 determines the purpose or intent of the insurance product change request input by the policyholder terminal 100 as well as the transferable amount can be referenced. In addition, when returning the transferable amount, the insurance securities trading system 200 may designate and return a calculated specific amount or return it in the form of a range including the calculated specific amount. Meanwhile, an insurance product may represent an insurance policy.

The contractor terminal 100 includes a smart phone, a portable terminal, a mobile terminal, a telematics terminal, a notebook computer, a digital broadcasting terminal, and a personal information terminal ( Personal Digital Assistant: PDA), Wibro Terminal, IPTV (Internet Protocol Television) terminal, AVN (Audio Video Navigation) terminal, PMP (Portable Multimedia Player), navigation terminal (vehicle navigation device) (Navigation Terminal) among others Any one of them may be a dedicated terminal manufactured for transaction purposes such as insurance product transfer in relation to the present invention.

In addition, the policyholder terminal 100 may transmit the generated insurance product change request signal to the insurance securities trading system 200 connected through wired/wireless communication.

The policyholder terminal 100 may receive, from the insurance securities transaction system 200 , a previous estimated amount corresponding to the user's insurance calculated according to the insurance product change request signal. At this time, if there are a plurality of insurance products already subscribed to, the policyholder terminal 100 may receive a transfer estimate amount for each insurance product, and then select a specific insurance product to request transfer or insurance product change. there is. According to an embodiment, the policyholder terminal 100 receives information on all insurance products subscribed from the insurance securities transaction system 200, and when selecting at least one specific insurance product, from the insurance securities transaction system 200 A previous estimated amount of money for the selected at least one specific insurance product may be received.

The subscriber terminal 100 may output/display the transferable amount corresponding to the received one or more subscriber information and subscription information of each corresponding insurance through a display unit (not shown) or the like.

When one specific insurance policy is selected from among one or more pieces of subscription information and a transferable amount being output, the policyholder terminal 100 may generate a transfer request signal for requesting a transfer procedure for the selected specific insurance policy. Here, the transfer application signal is selected from account information, transfer transaction consignment information (or name change application information), CMS (Cash Management Service) suspension/cancellation application information, identity authentication information (eg, including electronic signature), etc. may contain at least one.

The policyholder terminal 100 may transmit the generated transfer request signal to the insurance securities trading system 200 . The policyholder terminal 100 receives the previous function execution result for a specific insurance policy according to the transfer application signal transmitted from the insurance securities transaction system 200, and stores and outputs the received previous function performance result for the specific insurance policy can At this time, the result of performing the previous function is at least one of insurance policy information in which the policyholder has been changed/cancelled (for example, insurance policy information in which the information of the policyholder, beneficiary, insured person, etc. has been changed), previous amount deposit history information, CMS cancellation history information, etc. can include

When generating a transfer application signal, the policyholder terminal 100 may generate an underwriting information request signal to request information on an insurance policy that can be underwritten with a transferable amount of a selected specific insurance policy in order to change an insurance product.

When transmitting the generated transfer application signal, the policyholder terminal 100 may transmit the generated transfer application signal and underwriting information request signal to the insurance securities trading system 200 together.

The policyholder terminal 100 is a transfer function result for the specific insurance policy according to the transfer application signal transmitted from the insurance securities transaction system 200 and one or more insurance policies that can be underwritten in response to the underwriting information request signal and Receive related information and output the received information. Here, information related to an insurance policy that can be underwritten may include an underwriting amount and subscription information on an insurance policy that can be underwritten. Here, the subscription information may include standard refund amount of the corresponding insurance policy, insurance product type, payment status information (eg, including payment period, payment amount, transfer information, etc.), contract information, discount status information, and the like.

When any one other specific insurance policy is selected from among one or more underwriting insurance policies being output, the policyholder terminal 100 may generate an underwriting request signal for requesting an underwriting procedure for the selected other specific insurance policy. Here, the underwriting request signal may include underwriting transaction consignment information, CMS application information, account information, and personal authentication information (eg, including electronic signature).

The policyholder terminal 100 may transmit the generated underwriting request signal to the insurance securities trading system 200 .

The policyholder terminal 100 may receive an underwriting function execution result for another specific insurance policy according to an underwriting request signal transmitted from the insurance securities trading system 200 and output the received underwriting function execution result. Here, the result of performing the underwriting function may include insurance policy information for which the policyholder (or beneficiary) has changed, information on deposit processing details of the acquisition amount, information on details of new CMS applications, information on details of deposit processing on the difference between the previous amount and the amount underwriting, etc. .

The policyholder terminal 100 selects an insurance policy to be transferred and an insurance policy to be underwritten related to the insurance policy to be transferred from among information related to one or more subscription information being output, a transferable amount, and one or more insurance policies that can be acquired with a transferable amount When this happens, a transfer request signal for requesting a transfer procedure for the selected insurance policy to be transferred and an underwriting request signal for requesting an underwriting procedure for the selected insurance policy to be transferred may be generated.

The policyholder terminal 100 transmits the generated transfer application signal and underwriting application signal to the insurance securities trading system 200, and in response to the transmitted transfer application signal and underwriting application signal, the transfer transmitted from the insurance securities trading system 200 A result of performing a previous function for an insurance policy to be underwritten and a result of performing an underwriting function for an insurance policy to be underwritten may be received, and the received information may be output.

On the other hand, even if there is no request for one or more insurance policies that can be acquired at a transferable amount from the policyholder terminal 100, the insurance securities transaction system 200 (or the insurance server 400) receives the transfer application signal and responds provides information about one or more insurance policies available for underwriting, together with or separately as a result of performing a previous function to enable selection of an insurance policy to be underwritten;

In this way, the policyholder terminal 100 that wants to transfer any insurance policy can transfer it at a higher price than the standard refund amount generally presented to the insurance server 400 .

In addition, the policyholder terminal 100 checks information on recommending insurance policies that can be acquired at the transferable amount at the time of the transfer, and performs an underwriting function for the insurance policy that can be acquired selected among them, so that other insurance products that want existing insurance products can be changed to a product.

When an insurance product change request signal is received from the policyholder terminal 100, the insurance securities trading system 200 (or the insurance server 400) returns a new insurance product recommendation list in response to the received insurance product change request signal. can do. At this time, the insurance securities transaction system 200 (or the insurance server 400) refers to the transferable amount calculated according to the insurance product change request, or the purpose, reason or intention of changing the insurance product of the policyholder terminal 100 It is possible to open a new insurance product or to recommend a new insurance product that has already been opened with further reference to the above.

The insurance securities trading system 200 may be connected to the policyholder terminal 100 , the investor terminal 300 , the insurance server 400 , and the financial server 500 through wired/wireless communication, respectively. Here, the wireless Internet technology includes wireless LAN (WLAN), Wi-Fi, Wireless Broadband (Wibro), World Interoperability for Microwave Access (Wimax), and High Speed Downlink Packet Access (HSDPA). ), IEEE 802.16, Long Term Evolution (LTE), and wireless mobile broadband service (WMBS). In addition, short-range communication technologies include Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, and Near Field Communication (NFC). etc. may be included. In addition, wired communication technologies may include USB communication, Ethernet, serial communication, optical/coaxial cables, and the like.

The insurance securities trading system 200 may receive an insurance product change request signal transmitted from the policyholder terminal 100 and transmit the received insurance product change request signal to the insurance server 400 . Here, the insurance product change request signal may be substantially the same as the aforementioned user information. In addition, the insurance securities trading system 200 may receive one or more subscription information transmitted from the insurance server 400 in response to the transmitted insurance product change request signal. Here, the subscription information is the standard refund amount at the current time, type of insurance product, payment status information (e.g., (total) number of months (or payment period), (total) payment amount (or payment amount), transfer information, etc. included), terms and conditions information, transfer/acquisition availability information, discount status information, and the like.

In addition, the insurance securities trading system 200 calculates the additional refund amount based on at least one of the payment period, inflation rate, demand / supply ratio, special weight, the payment amount included in the received subscription information and the standard refund amount, and the above The transferable amount can be calculated based on the standard refund amount.

The insurance securities trading system 200 may transmit individually calculated transferable amounts to the policyholder terminal 100 in response to the received insurance change request.

The insurance securities trading system 200 may receive a transfer application signal from the policyholder terminal 100 and perform a transfer function for a corresponding insurance policy related to the transfer application signal based on the received transfer application signal. Here, the transfer request signal may include at least one of account information, transfer transaction consignment information (or name change request information), CMS cancellation request information, and personal authentication information (eg, including electronic signature).

The insurance securities trading system 200 may transmit the result of performing the previous function to the policyholder terminal 100 . Here, the result of performing the transfer function may include insurance policy information for which the policyholder has been changed/cancelled (for example, insurance policy information in which the information of the policyholder, beneficiary, insured person, etc. has been changed), previous amount deposit history information, CMS cancellation history information, etc. can

The insurance securities trading system 200 may receive an investment request signal from the investor terminal 300 . Here, the investment request signal includes user information (eg, name, social security number, phone number, email address, address, insurance policy number, etc.), product type (eg, mutual aid insurance, life insurance, etc.), purchase It may include at least one information among conditions (eg, desired acquisition price information, etc.), payment conditions, membership number, and the like.

The insurance securities trading system 200 is one that corresponds to (or satisfies) at least one of the product type, purchase condition, payment condition, and membership number included in the received investment request signal, among a plurality of pre-stored insurance policies that can be acquired. You can check information related to the above insurance policies. Here, information related to an insurance policy that can be underwritten may include an underwriting amount and subscription information on an insurance policy that can be underwritten. Here, the subscription information may include the standard refund amount of the insurance policy, the type of insurance product, payment status information (eg, including payment period, payment amount, transfer information, etc.), contract information, discount status information, and the like. At this time, the amount that can be accepted is the discount amount and payment calculated based on at least one of the payment amount and standard refund amount included in the subscription information stored in advance in relation to the payment period, inflation rate, demand/supply ratio, special weight, and any insurance policy It may be an amount calculated based on an amount.

The insurance securities trading system 200 may transmit information related to one or more identified insurance policies (or information related to insurance policies that can be underwritten) to the investor terminal 300 .

The insurance securities trading system 200 receives an underwriting application signal from the investor terminal 300 in response to information related to one or more insurance policies transmitted, and based on the received underwriting application signal, the insurance policy related to the underwriting application signal You can perform the argument function for Here, the underwriting request signal includes underwriting transaction consignment information, CMS application information, account information, and personal authentication information (eg, including an electronic signature) and the like. The insurance securities trading system 200 may transmit a result of performing the underwriting function to the investor terminal 300 . Here, the result of performing the underwriting function is insurance policy information in which the beneficiary (or policyholder) has changed (for example, insurance policy information in which the information of the policyholder, beneficiary, insured person, etc. has been changed), acquisition amount deposit processing details information, CMS new application details information, etc. can include

The insurance policy transaction system 200 generates a transfer request signal for an insurance policy selected for a random transfer from the policyholder terminal 100 for a change of insurance product and insurance policy information that can be acquired with a transferable amount of the selected insurance policy An argument information request signal for requesting may be received.

The insurance securities trading system 200 performs a transfer function for a specific insurance policy based on the received transfer application signal, and transfers a specific insurance policy to be transferred from among a plurality of pre-stored recommended insurance policies that can be acquired based on the received underwriting information request signal. Identifies information relating to one or more recommended insurance policies that can be acquired for the transferable amount of the policy. The insurance securities trading system 200 may transmit a result of performing a previous function for a specific insurance policy and information related to one or more identified insurance policies (or information related to a recommended insurance policy that can be acquired) to the policyholder terminal 100 .

The insurance securities trading system 200 receives an underwriting application signal transmitted from the policyholder terminal 100 in response to information related to one or more insurance policies transmitted, and based on the received underwriting application signal, the corresponding insurance related to the underwriting application signal It can perform underwriting functions for securities.

The insurance securities trading system 200 may transmit a result of performing the underwriting function to the policyholder terminal 100 .

At this time, the insurance securities trading system 200 may perform an underwriting function with the same insurance product type as the insurance policy selected for transfer or may perform an underwriting function with an insurance product of a different type from the insurance policy selected for transfer.

The insurance securities trading system 200 may be created for changing an insurance product, receive an insurance product change signal from the policyholder terminal 100, and transmit the received insurance product change signal to the insurance server 400. Here, the insurance product change signal may include information such as user information (eg, name, social security number, phone number, e-mail address, address, insurance policy number, etc.).

The insurance securities trading system 200 may receive one or more subscription information transmitted from the insurance server 400 in response to the transmitted insurance product change signal.

The insurance securities trading system 200 calculates an additional refund amount based on at least one of the standard refund amount and the payment amount included in the payment period, inflation rate, demand / supply ratio, special weight, received subscription information, etc., and the standard refund amount Based on this, the transferable amount can be calculated. In addition, the insurance securities trading system 200 may check information related to one or more insurance policies that can be underwritten with the calculated transferable amount among a plurality of pre-stored insurance policies that can be underwritten. In this case, the transferable amount may be calculated as a result obtained by generating an artificial intelligence-based learning model generated by using the factor data as training data, and learning through the generated learning model.

When the insurance securities trading system 200 communicates with the policyholder terminal 100 or the investor terminal 300, the policyholder terminal 100 or the investor terminal 300, based on the signal including the user information transmitted from the terminal A user authentication process may be performed for the user.

In this way, the insurance securities trading system 200 may be configured to perform a transfer function and/or an underwriting function only for an insurance policy that can be transferred or acquired based on/referring to subscription information related to the insurance policy among arbitrary insurance policies. can

The insurance securities trading system 200 may provide a transfer or takeover function to a user of a corresponding terminal through a transaction method such as a direct transaction method or a brokerage transaction method between the policyholder terminal 100 and the investor terminal 300 .

The insurance securities trading system 200 may provide an escrow service (or safe transaction service) upon transfer or acquisition.

The investor terminal (or second terminal) 300 may generate an investment request signal according to user manipulation/input. Here, the investment request signal includes user information (eg, name, resident registration number, phone number, email address, address, insurance policy number, etc.), product type (eg, mutual aid insurance, life insurance, etc.), purchase It may include information such as conditions (eg, desired acquisition price information, etc.), payment conditions (eg, monthly payment, quarterly payment, annual payment, etc. included), membership number, and the like.

The investor terminal 300 is a smart phone, a mobile terminal, a mobile terminal, a telematics terminal, a notebook computer, a digital broadcasting terminal, a personal information terminal (PDA), a WiBro terminal, an IPTV terminal, an AVN terminal, a PMP, a navigation terminal (vehicle navigation device) ), etc., may be any one of various terminals.

The investor terminal 300 may transmit the generated investment request signal to the insurance securities trading system 200 .

The investor terminal 300 may receive information related to one or more recommended insurance policies (or information related to insurance policies that can be underwritten) from the insurance securities trading system 200 in response to the investment request signal. Here, the information related to one or more recommendable insurance policies that can be acquired may include an amount that can be acquired and subscription information on the insurance policies that can be acquired. Here, the subscription information may include standard refund amount of the corresponding insurance policy, insurance product type, payment status information (eg, including payment period, payment amount, transfer information, etc.), contract information, discount status information, and the like.

At this time, the underwriting amount is the discount amount calculated based on at least one of the payment amount and the standard refund amount included in the pre-stored subscription information in relation to the payment period, inflation rate, demand/supply ratio, special weight, and any insurance policy, and It may be an amount calculated based on the payment amount. Here, the special weight may be a weight according to an investor's personal circumstances (eg, purchase of a higher amount). In this case, the acceptable amount may be calculated as a result obtained by generating an AI-based learning model generated by using the factor data as training data, and learning through the generated learning model.

The investor terminal 300 may output information related to the received one or more underwriting insurance policies.

The investor terminal 300 may generate an underwriting request signal for requesting an underwriting procedure for the selected specific insurance policy when any one specific insurance policy is selected from information related to one or more underwriting recommended insurance policies being output. Here, the underwriting request signal may include underwriting transaction consignment information, CMS application information, account information, and personal authentication information (eg, including an electronic signature).

The investor terminal 300 may transmit the generated underwriting application signal to the insurance securities trading system 200 .

The investor terminal 300 may receive an underwriting function execution result transmitted from the insurance securities trading system 200 in response to the transmitted underwriting application signal, and output the received underwriting function execution result. Here, the result of performing the underwriting function is insurance policy information in which the beneficiary (or policyholder) has changed (for example, insurance policy information in which the information of the policyholder, beneficiary, insured person, etc. has been changed), acquisition amount deposit processing details information, CMS new application details information, etc. can include

The insurance server 400 receives a subscription information request signal or an insurance product change signal transmitted from the insurance securities trading system 200, and based on the received subscription information request signal or insurance product change signal, the user's One or more subscription information (or insurance contract information) may be checked. Here, subscription information includes standard refund amount information at the current time, insurance product type, payment status information (eg, payment period, payment amount, transfer information, etc.), terms and conditions information, transfer/acquisition availability information, discount status information etc. may be included.

The insurance server 400 may transmit one or more pieces of confirmed subscription information to the insurance securities trading system 200 in response to a subscription information request signal or an insurance product change signal.

The insurance server 400 may provide the insurance securities trading system 200 with transaction information of policyholders, new subscription information of investors (beneficiaries or policyholders), etc. upon request from the insurance securities trading system 200 .

The insurance server 400 may manage/store insurance payment status information (eg, including insurance subscription information, insurance payment detail information, transfer/acquisition information, etc.) of any subscriber.

The insurance server 400 may provide transfer or acquisition transaction completion information to the insurance securities trading system 200 upon request of the insurance securities trading system 200 . The insurance server 400 may provide a CMS change function and an electronic transaction relay function for transfer/acquisition transactions through linkage with the financial server 500 during transfer or acquisition.

The financial server 500, upon request of the insurance securities trading system 200 or the insurance server 400, registers/cancels/suspends/suspends the CMS of the user of the policyholder terminal 100 or the investor terminal 300, etc. function can be performed.

The financial server 500 may be a bank, a financial settlement agency, or the like.

The financial server 500 may automatically pay the monthly insurance amount on a fixed date every month in a method such as automatic transfer or automatic payment from the account of the user who has subscribed to a specific insurance policy based on the registered CMS information.

As described above, when transferring a transferable insurance policy according to the present invention, the standard refund amount presented by the insurance company is weighted according to the payment period, inflation rate, demand / supply ratio, special weight, etc. to calculate the transferable amount , the calculated transferable amount may be provided to the contractor terminal 100 .

In addition, upon underwriting of an underwriting insurance policy according to the present invention, an underwriting amount obtained by discounting a predetermined amount compared to a paid insurance premium may be provided to the investor terminal 300 . In this regard, in the present invention, the transferable amount according to the transfer application of the policyholder terminal 100 is calculated in the insurance securities trading system 200 or the insurance server 400, but a preset ratio to the calculated transferable amount It can be provided by indicating that the amount includes a fee. All or part of the fee of the amount set in advance may be reflected in the insurance securities trading system 200 or the insurance server 400 when the investor terminal 300 calculates the underwriting amount according to the underwriting application later. there is. That is, the insurance securities trading system 200 or the insurance server 400 calculates and provides an amount that can be underwritten as information on recommended insurance policies that can be underwritten by the investor terminal 300. It can be indicated that the amount of the percentage calculated from the fee is available for discount. In relation to the above fee calculation, discount rate, etc., the insurance securities trading system 200 or insurance server 400 uses or trades the policyholder's or investor's insurance securities trading system 200 or insurance server 400, the corresponding user It can be calculated individually by comprehensively considering the credit rating of the company and the weight of the insurance policy that can be transferred or acquired. For example, the insurance securities trading system 200 or the insurance server 400 may set the fee of the policyholder terminal 100 to 10% and the discount rate of the investor terminal 300 to 5%. On the other hand, the weight of the insurance policy that can be transferred or acquired in the above is the current availability of the insurance policy, scarcity, the number of insurance products for the same or similar purpose as the insurance policy, the frequency of the insurance policy transaction, and the transaction of the insurance policy It may be determined with reference to at least one of the success rate and the like.

On the other hand, apart from the above-mentioned fee or discount rate, the insurance policy trading system 200 or the insurance server 400 calculates the revenue that may occur due to the transaction of the insurance policy, and some of the calculated revenue is transferred to the policyholder terminal 100. ), or the transferable amount to be provided to the investor terminal 300 may be indicated to activate the transaction.

2 is a block diagram showing the configuration of an insurance securities trading system according to an embodiment of the present specification.

Referring to FIG. 2 , the insurance policy trading system 200 may include a memory and a processor. At this time, the processor is composed of, for example, a communication unit 210, a storage unit 220, and a control unit 230. The memory may be, for example, the storage unit 220 . On the other hand, not all of the components of the insurance securities trading system 200 shown in FIG. 2 are essential components, and the insurance securities trading system 200 may be implemented by more components than those shown in FIG. In addition, the insurance securities trading system 200 may be implemented with fewer components. Here, the insurance securities trading system 200 may be viewed as a device providing an insurance securities trading platform according to the present invention, and may be named by various names such as a server, an electronic device, a computing device, an information providing center, etc. there is.

The communication unit 210 connects any internal component or any external at least one terminal (eg, the policyholder terminal 100, the investor terminal 300, the insurance server 400, Including the financial server 500, etc.) and communication can be connected. Here, wireless Internet technologies include WLAN, Wi-Fi, Wibro, Wimax, HSDPA, IEEE 802.16, Long Term Evolution (LTE), and Broadband Wireless Mobile Communications Service (WMBS). can In addition, short-range communication technologies may include Bluetooth, RFID, infrared communication, UWB, ZigBee, and adjacent magnetic field communication. In addition, wired communication technologies may include USB communication, Ethernet, serial communication, optical/coaxial cables, and the like.

In addition, the communication unit 210 can receive various information transmitted from the policyholder terminal 100, the investor terminal 300, the insurance server 400, the financial server 500, etc. under the control of the control unit 230.

The storage unit 220 may store various user interfaces (UIs) and/or graphic user interfaces (GUIs). The storage unit 220 may store data and programs necessary for the insurance securities trading system 200 to operate. The storage unit 220 stores various information received through the communication unit 210 . The storage unit 220 may store information on a plurality of underwriting insurance policies.

In addition, the storage unit 220 may be a flash memory type, a hard disk type, a multimedia card micro type, or a card type memory (eg, SD or XD memory). etc.), magnetic memory, magnetic disk, optical disk, RAM (Random Access Memory: RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory) may include at least one storage medium. In addition, the insurance securities trading system 200 may operate a web storage that performs the storage function of the storage unit 220 on the Internet or operate in relation to the web storage.

The controller 230 may perform overall functions of the insurance securities trading system 200 . The control unit 230 may transmit the insurance product change request signal transmitted from the policyholder terminal 100 received through the communication unit 210 to the insurance server 400 . The controller 230 may receive one or more subscription information transmitted from the insurance server 400 in response to the insurance product change request signal.

The control unit 230 calculates an additional refund amount based on at least one of a payment period, an inflation rate, a demand/supply ratio, a special weight, a payment amount included in the received subscription information, and a standard refund amount, and based on the standard refund amount. The transferable amount can be calculated. Here, the special weight may be a weight according to the contractor's personal circumstances (eg, quick sale). In addition, the control unit 230 may transmit one or more subscription information received to the policyholder terminal 100 that has transmitted the insurance product change request signal through the communication unit 210 and a transferable amount calculated in response to the subscription information.

The control unit 230 receives a transfer application signal transmitted from the policyholder terminal 100 through the communication unit 210, performs a transfer function for the specific insurance policy based on the received transfer application signal, and performs the transfer function The result is transmitted to the contractor terminal 100. Here, the result of performing the transfer function includes insurance policy information for which the policyholder has been changed/cancelled (for example, insurance policy information in which the information of the policyholder, beneficiary, insured person, etc. has been changed), previous amount deposit history information, CMS cancellation history information, etc. can do

The control unit 230 may receive an investment request signal transmitted from the investor terminal 300 through the communication unit 210 .

The control unit 230 controls one or more information, corresponding to at least one of product types, purchase conditions, payment conditions, and membership numbers included in the received investment request signal, among a plurality of underwriting insurance policies previously stored in the storage unit 220. You can check the information related to the insurance policy. Here, the information related to the insurance policy that can be underwritten may include the underwriting amount and subscription information on the underwriting insurance policy. Here, the subscription information may include standard refund amount of the corresponding insurance policy, insurance product type, payment status information (eg, including payment period, payment amount, transfer information, etc.), terms and conditions information, discount status information, and the like. At this time, the underwriting amount is a discount calculated based on at least one of the payment amount included in pre-stored subscription information in relation to the payment period, inflation rate, demand/supply ratio, special weight, and standard refund amount in relation to any insurance policy , and can be calculated based on the payment amount. Here, the special weight may be a weight according to an investor's personal circumstances (eg, purchase of a higher amount).

The control unit 230 may transmit information related to one or more identified insurance policies (or information related to underwriting insurance policies) to the investor terminal 300 that has transmitted the investment request signal through the communication unit 210 .

The control unit 230 receives the underwriting application signal transmitted from the investor terminal 300 through the communication unit 210, performs a transfer function for the specific insurance policy based on the received underwriting application signal, and performs the underwriting function Transmits to the investor terminal (300). Here, the result of performing the underwriting function is insurance policy information in which the beneficiary (or policyholder) has been changed (for example, insurance policy information in which the information of the policyholder, beneficiary, insured person, etc. has been changed), underwriting amount deposit processing details information, CMS new application details information etc. may be included.

The control unit 230 mixes a transfer function and an underwriting function, and performs a transfer function for an insurance policy subscribed by an arbitrary user (eg, a user of the policyholder terminal 100 or the investor terminal 300), and Check information on insurance policies that can be acquired with a transferable amount according to function performance, and send information about the identified insurance policies that can be acquired to any user's terminal (for example, the policyholder terminal 100 or the investor terminal 300) ), and then receiving an underwriting application signal according to another specific insurance policy selected from among the information on the underwriting possible insurance policy provided, and performing the underwriting function for that other specific insurance policy based on the received underwriting application signal, It is also possible to provide a function of changing an insurance product by configuring the transfer function for an insurance policy subscribed by an arbitrary user and the underwriting function for another product together.

On the other hand, the control unit 230 controls to generate an artificial intelligence learning model generated by using various factors reflected for the calculation as training data in relation to the calculation of the transferable amount and the underwriting amount related to a specific insurance policy, A transferable amount and an underwriting amount related to the specific insurance policy may be calculated based on a result learned through the learning model.

In addition, the control unit 230 controls to generate an artificial intelligence learning model generated by using various factors used in the transaction process as training data in relation to the transfer of a specific insurance policy, that is, the transaction of the insurance policy, and the learning model It is possible to control the transfer process of the specific insurance policy based on the result learned through. The transaction control means that procedures according to various transaction methods such as an auction method, a reverse auction method, and an immediate transaction method are performed with minimal intervention of the contractor terminal 100 and the investor terminal 300 based on a pre-learned model. can make it possible

In other words, the control unit 230 may calculate the transfer and underwriting amount of the insurance policy based on artificial intelligence and control the transaction process.

The insurance securities trading system 200 is an input unit for receiving a command or control signal generated by a user's manipulation of a button or selection of an arbitrary function, or a manipulation such as touching/scrolling a displayed screen. (not shown) may be further included.

3 is a flowchart of an insurance policy transaction method according to an embodiment of the present specification. 4 is a signal flow diagram showing a communication process of the insurance securities trading system according to the first embodiment of the present specification.

Referring to FIGS. 3 and 4 , an insurance policy transaction method provided between a policyholder terminal and an investor terminal by a server according to the present invention may be performed as follows. Here, the server may represent either or both of the insurance securities trading system 200 and the insurance server 400 . Hereinafter, for convenience, it will be described by naming a server.

The server may receive an insurance product change request signal from the policyholder terminal 100 (S11).

The server may calculate a transferable amount of a specific insurance policy corresponding to the insurance product change request signal of the policyholder terminal 100 based on artificial intelligence (S12).

The server may generate transferable amount information calculated for the specific insurance policy and transmit it to the policyholder terminal 100 (S13).

The server may receive the insurance policy investment request signal of the investor terminal 300 (S14).

The server may provide information on the specific insurance policy that can be underwritten and information on the amount that can be underwritten to the investor terminal 300 (S15).

The server may transmit information on the conclusion of an insurance policy transfer contract between the policyholder terminal 100 and the investor terminal 300 (S16).

Referring to FIG. 4, the communication process in the insurance securities trading platform is as follows.

The policyholder terminal 100 may generate an insurance product change request signal and transmit it to the server (S21), and the investor terminal 300 may also generate an insurance policy investment request signal and transmit it to the server (S22).

When the server receives the signals of steps S21 and S22, the server checks the insurance product change request signal and the insurance policy investment request signal (S23), generates transferable amount, insurance policy related information, etc., and the policyholder terminal 100 It is possible to determine whether or not to conclude a contract between the and the investor terminal 300 (S24).

Meanwhile, in the above, the transferable amount and the underwriting amount for a specific insurance policy may be different. For example, the transferable amount for the specific insurance policy may be an amount included in a fee preset by the server, and the transferable amount for the specific insurance policy is an amount obtained by discounting the fee preset by the server. can be Depending on the embodiment, the transferable amount and the underwriting amount for the specific insurance policy may be determined by the current availability of the specific insurance policy, rarity, the number of insurance products having the same or similar purpose as the specific insurance policy, and the specific insurance policy. It may be determined by referring to at least one of the transaction frequency of the insurance policy and the transaction completion rate of the specific insurance policy.

In addition, the method may further include generating recommended insurance policy information that can be acquired by the policyholder terminal 100 based on the calculated transferable amount and transmitting the information to the policyholder terminal 100 .

Meanwhile, each sequence or operation shown in FIGS. 3 and 4 may be defined differently from those shown.

On the other hand, the artificial intelligence-based transaction support method used in this specification is, for example, data collection and big data of subscription history information for a plurality of users who have subscribed to insurance products, and then classifying it for creating a learning model. can be used as training data. In addition, artificial intelligence technology, in relation to the calculation of the transferable amount and the underwriting amount, etc., simulates results at the time of initiating annuity based on the refund amount for cancellation of insurance products, trends in market conditions, increase or decrease in interest rates, Changes in insurance-related policies can be referred to as factors. In addition, artificial intelligence technology can consider how much pension can be received at the time of starting the future reserve fund, the expected amount of refund, and the total amount that can be received. On the other hand, in the above, if a new insurance is purchased with the cancellation refund, the reserve may be recalculated.

5 is a diagram for explaining an insurance policy transaction prediction scenario according to an embodiment of the present invention. However, the amounts or values illustrated in FIG. 5 are illustrative for convenience of explanation, and are not limited thereto.

As shown in FIG. 5, the policyholder can preserve the accumulated principal of the insurance and replace it with a rate of return while reducing the loss due to cancellation (eg, more than a certain cost compared to the cancellation refund), while the investor currently exists By investing in insurance with a high rate of return in which high interest rates and various business expenses in the past are reflected in advance, it is possible to realize a return of original value or a relatively high rate of return compared to new subscriptions.

Meanwhile, the insurance securities trading system or platform according to the present invention may be serviced in the form of a web page or a mobile application.

6 is a diagram illustrating an insurance policy service application screen according to an embodiment of the present invention.

Taking pension insurance as an example, in the service application execution process, in FIG. 6 (a), about pension accumulation, in FIG. 6 (b) about pension start, in FIG. In (d) of 6, the difference in rate of return according to insurance policy transaction compared to new subscription is shown. Meanwhile, the numerical values in (a) to (d) of FIG. 6 are examples, and the present invention is not limited thereto. (a) to (c) of FIG. 6 may show reference data for providing comparison data of FIG. 6 (d).

As described above, the embodiments of the present specification apply weights according to the payment period, inflation rate, demand/supply ratio, special weight, etc. to the standard refund amount presented by the insurance company at the time of transfer or transfer of an insurance policy that can be acquired as described above to determine the transferable amount. It is possible to perform a transfer function for a transferable insurance policy by calculating and providing the calculated transferable amount to the policyholder's terminal, thereby maximizing the benefit of the user of the policyholder's terminal.

In addition, as described above, the embodiment of the present specification provides the investor terminal with an underwriting amount discounted by a certain amount compared to the premium paid when underwriting a transferable or underwriting insurance policy, thereby performing an underwriting function for an underwriting insurance policy. This can be done, and through this, the user's profit of the investor's terminal can be maximized.

As described above, the embodiment of the present specification transfers the insurance policy subscribed to and acquires any insurance product with a transferable amount or subscribes to a new insurance product, changing the insurance product to the corresponding insurance product or subscribing to a new insurance product It is possible to improve the convenience of subscribers through this.

The foregoing may be variously modified and modified by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be construed according to the claims below, and all technical ideas within the equivalent range should be construed as being included in the scope of the present invention.

10: Insurance system 100: Contractor terminal
200: insurance securities trading system 300: investor terminal
400: insurance server 500: financial server

Claims (10)

In the insurance policy transaction method provided between the policyholder terminal and the investor terminal by the server,
Receiving an insurance product change request signal from the policyholder terminal;
Calculating a transferable amount of a first insurance policy corresponding to an insurance product change request signal of the policyholder terminal based on artificial intelligence;
generating transferable amount information calculated for the first insurance policy and transmitting the information to the policyholder terminal;
Receiving an insurance policy investment request signal of the investor terminal;
providing information on the first insurance policy that can be underwritten and information on an amount that can be underwritten to the investor terminal; and
Transmitting information on the conclusion of an insurance policy transfer contract between the policyholder terminal and the investor terminal,
How to trade insurance policies. According to claim 1,
In the step of calculating the transferable amount of the first insurance policy,
Payment period, inflation rate, demand/supply ratio, special weight, additional refund amount calculated based on at least one of the standard refund amount and the payment amount included in the received subscription information, and data on the standard refund amount are generated as training data Learning the AI learning model to calculate the transferable amount for the first insurance policy,
How to trade insurance policies. According to claim 2,
The amount that can be accepted for the first insurance amount is,
Training on payment period, inflation rate, demand/supply ratio, special weight, discount amount and payment amount calculation based on at least one of standard refund amount and payment amount contained in pre-stored subscription information related to any insurance policy Learning through an artificial intelligence learning model generated with data to calculate the first insurance policy, referring to the amount presented by the investor terminal,
How to trade insurance policies. According to claim 1,
The transferable amount and the underwriting amount for the first insurance policy are different,
How to trade insurance policies. According to claim 4,
The transferable amount for the first insurance policy is,
The amount included in the fee preset by the server,
How to trade insurance policies. According to claim 4,
The underwriting amount for the first insurance policy is,
The fee preset by the server is a discounted amount,
How to trade insurance policies. According to claim 4,
The transferable amount and the underwriting amount for the first insurance policy are,
At least among the current availability of the first insurance policy, rarity, the number of insurance products for the same or similar purpose as the first insurance policy, the transaction frequency of the first insurance policy, and the transaction completion rate of the first insurance policy determined by reference to one or more
How to trade insurance policies. According to claim 1,
Further comprising generating recommended insurance policy information that can be acquired in the first terminal based on the calculated transferable amount and transmitting it to the first terminal.
How to trade insurance policies. In the apparatus for trading insurance securities between a policyholder terminal and an investor terminal,
Memory; and
Including a processor, wherein the processor,
Receiving an insurance product change request signal from the policyholder terminal, calculating a transferable amount of the first insurance policy corresponding to the insurance product change request signal of the policyholder terminal, and calculating the transferable amount information for the first insurance policy is generated and transmitted to the policyholder terminal, and upon receipt of an insurance policy investment request signal from the investor terminal, the first insurance policy information that can be underwritten and the underwriting amount information that can be underwritten is provided to the investor terminal, thereby providing the policyholder terminal and the investor terminal transfer of insurance policy transfer contract conclusion information between;
A device for trading insurance policies. In a system for trading insurance securities,
a policyholder's terminal for contract transfer of the first insurance policy;
an investor terminal for underwriting the first insurance policy; and
Including a server that supports insurance policy transactions between the policyholder terminal and the investor terminal, wherein the server,
Receiving an insurance product change request signal from the policyholder terminal, calculating a transferable amount of the first insurance policy corresponding to the insurance product change request signal of the policyholder terminal, and calculating the transferable amount information for the first insurance policy is generated and transmitted to the policyholder terminal, and when receiving an insurance policy investment request signal from the investor terminal, the first insurance policy information that can be underwritten and information on the underwriting amount that can be underwritten is provided to the investor terminal, thereby providing the policyholder terminal and the investor terminal transfer of insurance policy transfer contract conclusion information between;
Insurance policy trading system.

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