WO2022092524A1 - Procédé permettant de fourniture d'informations de produit d'assurance et appareil correspondant - Google Patents

Procédé permettant de fourniture d'informations de produit d'assurance et appareil correspondant Download PDF

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Publication number
WO2022092524A1
WO2022092524A1 PCT/KR2021/011552 KR2021011552W WO2022092524A1 WO 2022092524 A1 WO2022092524 A1 WO 2022092524A1 KR 2021011552 W KR2021011552 W KR 2021011552W WO 2022092524 A1 WO2022092524 A1 WO 2022092524A1
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WIPO (PCT)
Prior art keywords
information
insurance
user
guarantee
providing
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PCT/KR2021/011552
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English (en)
Korean (ko)
Inventor
안중철
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한화생명보험 (주)
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Publication of WO2022092524A1 publication Critical patent/WO2022092524A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
    • G06Q10/06311—Scheduling, planning or task assignment for a person or group
    • G06Q10/063114—Status monitoring or status determination for a person or group
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
    • G06Q10/06311—Scheduling, planning or task assignment for a person or group
    • G06Q10/063118—Staff planning in a project environment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
    • G06Q10/06316—Sequencing of tasks or work
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/105—Human resources
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a method and an apparatus for providing insurance product information. Specifically, the present invention relates to a method and apparatus for providing appropriate insurance status information and insurance standard information to a customer based on existing insurance subscriber information by obtaining information related to a customer's attributes, and an apparatus therefor.
  • the prior literature discloses an insurance product recommendation system based on user similarity.
  • the prior literature discloses a technical feature of recommending a product based on an insurance product selected by another user similar to the user.
  • only the feature of recommending an insurance product is disclosed, and thus the provision of specific information for the insured and the feature of providing an insurance product more suitable to the user are not disclosed.
  • the problem to be solved by the present embodiment is to obtain information related to user attributes, check information on a plurality of insurance subscribers based on this information, and use the insurance criteria information of insurance items related to insurance products subscribed by the plurality of insurance subscribers to the customer It is to provide a method and apparatus for recommending insurance products to
  • a method of providing insurance product information includes: checking second information about insurance product information subscribed by the user based on first information related to the user; obtaining third information related to the attribute of the user; selecting a first set of insurance subscriber information based on the third information; checking fourth information related to insurance product information subscribed by the first set of insurance subscribers based on the first set of insurance subscriber information; checking guarantee reference information for each of a predetermined number of guarantee items based on the fourth information; and providing the insurance status information and the guarantee reference information confirmed based on the second information for each of the guarantee items.
  • an electronic device for performing a method of providing insurance product information includes: a storage unit configured to store information; and a control unit, wherein the control unit checks second information about the insurance product information subscribed by the user through the storage unit based on the first information related to the user, and collects third information related to the user's attribute obtain, select a first set of insurance subscriber information based on the third information, and fourth information related to insurance product information subscribed by the first set of insurance subscribers based on the first set of insurance subscriber information check, check the guarantee standard information for each of a predetermined number of guarantee items based on the fourth information, and check the guarantee status information and the guarantee standard information for each of the guarantee items based on the second information provides
  • a computer-readable non-transitory recording medium recording a program for executing a method for providing insurance product information in a computer according to an embodiment, wherein the method for providing insurance product information includes: checking second information about insurance product information subscribed by the user; obtaining third information related to the attribute of the user; selecting a first set of insurance subscriber information based on the third information; checking fourth information related to insurance product information subscribed by the first set of insurance subscribers based on the first set of insurance subscriber information; checking guarantee reference information for each of a predetermined number of guarantee items based on the fourth information; and providing the insurance status information and the guarantee reference information confirmed based on the second information for each of the guarantee items.
  • the customer attribute ( It may be possible to recommend insurance products reflecting age, income, etc.).
  • the method of providing insurance product information of the present disclosure can recommend insurance products reflecting the customer's requirements based on insufficient insurance assets to each customer, thereby reducing unnecessary expenses and retaining insurance products for necessary diseases may be encouraged to do so.
  • FIG. 1 is a conceptual diagram illustrating a system for providing insurance product information according to an exemplary embodiment.
  • FIG. 2 is a flowchart illustrating a method of providing insurance product information according to an exemplary embodiment.
  • 3 is a diagram illustrating an embodiment of acquiring information related to a user attribute.
  • FIG. 4 is a diagram illustrating an embodiment of providing insurance status information and guarantee reference information.
  • 5 is a diagram illustrating an embodiment of providing detailed guarantee analysis information.
  • FIG. 6 is a diagram illustrating an embodiment of providing information on insurance products subscribed to by a user.
  • FIG. 7 is a diagram illustrating an embodiment of receiving desired insurance product information of a user.
  • FIG. 8 is a diagram illustrating an embodiment of providing recommended insurance product information from a user.
  • FIG. 9 is a diagram illustrating an embodiment in which a screen of consulting results is provided.
  • FIG. 10 is a block diagram illustrating an electronic device for performing a method of providing insurance product information according to an exemplary embodiment.
  • FIG. 11 is a block diagram illustrating a terminal for performing a method of providing insurance product information according to an embodiment.
  • the "terminal” referred to below may be implemented as a computer or a portable terminal capable of accessing a server or other terminal through a network.
  • the computer includes, for example, a laptop, a desktop, and a laptop equipped with a web browser
  • the portable terminal is, for example, a wireless communication device that ensures portability and mobility.
  • IMT International Mobile Telecommunication
  • CDMA Code Division Multiple Access
  • W-CDMA Wide-Code Division Multiple Access
  • LTE Long Term Evolution
  • It may include a handheld-based wireless communication device.
  • the system 1 for providing insurance product information according to the present invention may include an electronic device 10 , a user terminal 20 , a network 30 , a database 40 , and an external server 50 .
  • the system 1 for providing insurance product information shown in FIG. 1 only the components related to this embodiment are shown. Accordingly, it can be understood by those of ordinary skill in the art related to the present embodiment that other general-purpose components may be further included in addition to the components shown in FIG. 1 .
  • FIG. 2 is a flowchart illustrating a method of providing insurance product information according to an exemplary embodiment.
  • a system 1 for providing insurance product information of FIG. 1 based on the flowchart of FIG. 2 will be described.
  • the electronic device 10 and the user terminal 20 may communicate with each other through the network 30 .
  • the electronic device 10 may be a server, and the method described in the embodiment of the present specification may be implemented through the server.
  • the network 30 is a local area network (LAN), a wide area network (WAN), a value added network (VAN), a mobile radio communication network (mobile radio communication network), a satellite communication network, and their mutual It is a data communication network in a comprehensive sense that includes a combination and enables each of the network constituent entities shown in FIG. 1 to communicate smoothly with each other, and may include a wired Internet, a wireless Internet, and a mobile wireless communication network.
  • LAN local area network
  • WAN wide area network
  • VAN value added network
  • mobile radio communication network mobile radio communication network
  • satellite communication network and their mutual It is a data communication network in a comprehensive sense that includes a combination and enables each of the network constituent entities shown in FIG. 1 to communicate smoothly with each other, and may include a wired Internet, a wireless Internet, and a mobile wireless communication network.
  • the user terminal 20 may provide a platform for providing insurance product information. Specifically, the user terminal 20 may transmit a request for the user to receive insurance product information to the electronic device 10 . Also, the user terminal 20 may receive an input from the user to obtain information related to user attributes. The user terminal 20 may provide the user with information on insurance products subscribed by the user or information for recommending insurance products.
  • the electronic device 10 may receive a request for receiving insurance product information from the user terminal 20 , check insurance product information related to the requested user, and obtain information on an insurance product to be recommended. Specifically, the electronic device 10 may check the second information on the insurance product information subscribed by the user based on the first information related to the user ( S201 ).
  • the first information related to the user may be identified based on the user's request to receive insurance product information, and may include information related to the user's personal information, and may identify the user based on such information and identify the user's characteristics can confirm. For example, the user name, date of birth, resident number, etc. used for logging in to the platform may be included in the first information related to the user.
  • the electronic device 10 may search the database 40 to confirm the second information on the insurance product information subscribed by the user. For example, although there is a case where a user purchases insurance for the first time with a specific insurance company, information according to an embodiment of the present specification may be provided even when the insurance company has insurance products already purchased as existing customers. To confirm this in detail, the electronic device 10 may search the database 40 based on first information related to the user. Accordingly, the second information about the insurance product information subscribed by the user may be confirmed or the second information may not exist.
  • the user's approval information may be required to confirm the second information on the insurance product information subscribed by the user.
  • the electronic device 10 may transmit the obtained approval information to the external server 50 to acquire the user's insurance subscription information of a third party from the external server 50 .
  • the external server 50 may be a customer subscription product database of the Korea Credit Information Service and other companies.
  • the electronic device 10 may obtain information related to the insurance the user has subscribed to, and through this, may provide the user's insurance information.
  • the electronic device 10 may generate the second information based on at least one of the user's insurance subscription information found in the database 40 or third-party insurance subscription information acquired from the external server 50 .
  • the second information may be classified as a guarantee item. Coverage may have various categories, such as family coverage, major illness coverage, medical coverage, nursing care coverage, and death coverage.
  • the electronic device 10 may acquire third information related to the user's attribute ( S202 ).
  • the user terminal 20 may receive a user input to obtain information related to a user's attribute, and may transmit it to the electronic device 10 through the network 30 .
  • the electronic device 10 may acquire third information related to the user's attribute based on the information input by the user.
  • the third information may include one or more of the user's income, gender, occupation, age, address, marital status, and child status. Meanwhile, in an embodiment, the third information may include at least one of the information shown in FIG. 3 .
  • the electronic device 10 may select the first set of insurance subscriber information based on the third information (S203).
  • the electronic device 10 may search the database 40 to obtain a plurality of pieces of subscriber information corresponding to the user attribute, and may select at least one set of insurance subscriber information accordingly.
  • the first set of insurance subscriber information may be referred to as People Like You (PLY) information.
  • PLY People Like You
  • the electronic device 10 searches for subscriber information corresponding to this attribute in the database 40 . can do. Accordingly, information on subscribers who are white-collar women in their 30s living in Seoul and have an income of 100 million won or more can be selected.
  • user attribute information corresponding to the first set of insurance subscriber information may be provided in the form of a keyword through the user terminal 10 .
  • a keyword For example, "Seoul”. Keywords such as “30-39 years old”, “female”, “office worker”, “income 100 million won or more” may be provided to the user.
  • the subscriber information may include information obtained through an external server by a user who previously searched for insurance information through the system.
  • the information that is the basis of the PLY information is information obtained through the external server 50 among user information who has subscribed to an insurance company related to the electronic device 10 and information of other users who have received information through the electronic device 10 .
  • the keyword may select one of information corresponding to user attributes, and may indicate information related to other user groups included in the user according to user attributes. Meanwhile, in an embodiment, when the number of insurance subscribers in the first set corresponding to the user's attribute information is not sufficient, the insurance subscribers corresponding to the first set may be selected excluding some attribute information. "Seoul" in the embodiment.
  • the first insurance amount is derived based on the information of subscribers who are “30-39 years old”, “female” and “office worker”
  • information may be provided to the user based on the first and second guaranteed amounts, for example, an average value of the amount obtained by applying a weight to the first and second guaranteed amounts to the user
  • information about the guaranteed amount may be provided by selecting or removing at least some of the keywords.
  • guarantee information may be derived based on subscriber information corresponding to all of the keywords, but after checking the user set corresponding to each keyword, and deriving the average value of the guaranteed amount of the corresponding user set, each Guaranteed amount information may be provided to the user based on the average guaranteed amount corresponding to the keyword.
  • the average value of the entire average guaranteed amount corresponding to each keyword may be provided to the user as the guaranteed amount information, but the guaranteed amount information may be derived to the user based on the weight value corresponding to each average guaranteed amount corresponding to each keyword.
  • the weight may be determined based on at least one of the number of other subscribers corresponding to each keyword and the user's setting.
  • the electronic device 10 may check the fourth information related to the insurance product information subscribed by the first set of insurance subscribers based on the first set of insurance subscriber information ( S204 ).
  • the fourth information may be information on insurance products subscribed by insurance subscribers having similar attributes to the user.
  • the electronic device 10 searches the database 40 for insurance products subscribed by the first set of insurance subscribers, and confirms which insurance products they subscribed to, the subscription amount and the amount of coverage, and what items are covered. there is.
  • the electronic device 10 may check the guarantee reference information for each of a predetermined number of guarantee items based on the fourth information ( S205 ).
  • the fourth information may include information on insurance products subscribed to by the first set of insurance subscribers, and the electronic device 10 may classify them by insurance item to check the average insurance amount of the first set of insurance subscribers.
  • coverage items may include general death, accidental death, general cancer diagnosis, acute myocardial infarction, general illness (CI) diagnosis, and cerebral hemorrhage.
  • the predetermined number of guarantee items may be determined differently according to an operating subject of an insurance product related to the user. For example, coverage items may vary depending on whether the operator is a life insurance operator or a non-life insurance operator. The reason the guarantee varies depending on the operating entity is to reflect the fact that related products may vary depending on the operating entity.
  • the electronic device 10 may provide the user with the insurance status information and the guarantee reference information confirmed based on the second information for each of the guarantee items ( S206 ).
  • the electronic device 10 may include the user's insurance subscription information retrieved from the database 40 and third-party insurance subscription information obtained from the external server 50 , the user's insurance status information, and the first set of Insurance standard information according to the insurance product information subscribed by the insurance subscriber may be provided through the user terminal 20 .
  • the electronic device 10 may provide information on a recommended insurance product selected based on the insurance status information and the insurance reference information to the user terminal 20 .
  • the recommended insurance product information may include expected premium information.
  • the recommended insurance product information may be an insurance product corresponding to a guarantee item in which a difference value between the insurance status and the insurance standard is greater than or equal to a predetermined value.
  • the electronic device 10 may provide insurance product information corresponding to a guarantee item in which a difference between the insurance status and the insurance standard is equal to or greater than a predetermined value based on the insurance status information and the insurance standard information. Also, the electronic device 10 may calculate an insufficient amount for each guarantee item for a guarantee item in which a difference value between the guarantee state and the guarantee standard is equal to or greater than a predetermined value based on the guarantee state information and the guarantee standard information. Information on the insufficient amount may be displayed together with a guarantee item in which a difference value between the guarantee status and the guarantee standard is greater than or equal to a predetermined value in the user terminal 20 .
  • the user terminal 20 may display the insufficient amount of 2 million won together with the disease death item.
  • the electronic device 10 may provide information on a guarantee item in which a difference value between the guarantee status and the guarantee standard is equal to or greater than a predetermined value.
  • the user terminal 20 may receive a selection of at least one insurance item among the information on the insurance item, and provide at least one insurance product information corresponding to the at least one insurance item based on the selection. For example, when there are disease death, injury death, and disability as a result of disease in the insurance items required for the user, these items may be provided to the user, and the user may select the necessary item. If the user selects the accidental death category, insurance products related to injury and death may be provided to the user.
  • the electronic device 10 may provide additional information related to an insurance product corresponding to the insurance item.
  • the user terminal 20 may receive information from the electronic device 10 and display the first content indicating the confirmed guarantee status information and the guarantee reference information and the second content indicating the additional information together. For example, if the coverage item is death coverage, statistical data on the standard cost of living per household and the minimum cost of living after retirement can be presented as additional information. In this way, it is possible to more easily calculate whether the corresponding insurance is required, and if necessary, how much premium is required for the user.
  • information on an incidence rate of a disease related to the product may also be provided. Through this, the user can consider the information together when selecting an insurance product.
  • step S202 in which the electronic device 10 acquires the third information related to the user's attribute, a detailed description will be made with reference to FIG. 3 .
  • FIG. 3 is a diagram illustrating an embodiment of acquiring information related to a user attribute.
  • FIG. 3 shows an embodiment of obtaining attribute-related information from a user through the user terminal 20 .
  • the third information related to the user's attribute may include, for example, at least one of gender, age, occupation, income range, marital status, child status, number of children, age of the youngest child, and family classification.
  • the user may input or select an attribute corresponding to himself/herself for each item through the user terminal 20 .
  • information about a user who has input a request to receive insurance product information may appear in the first area 410 .
  • the information displayed on the first area 410 may include information about a name, date of birth, age, marital status, etc. according to the user's subscription information.
  • the user inputs information related to the user attribute, and the electronic device 10 may provide the corresponding insurance status information and collection standard information through the user terminal 20 .
  • the user attribute information information on a plurality of insurance subscribers with similar or identical attributes may be checked, and information on the insurance products they subscribed to may be checked based on the plurality of insurance subscriber information.
  • the reference information may be an average value of the number of contracts owned by a plurality of insurance policyholders, the status of insurance holdings by category, and monthly premiums.
  • the user may have insurances under subscription, and the electronic device 10 may compare the corresponding insurance status with the insurance standard information and inform the result of the comparison through the user terminal 20 .
  • user attribute information corresponding to a plurality of insurance subscriber information may be provided as a keyword. That is, the attribute information input by the user may be provided as a keyword.
  • attributes of customers similar to users are displayed as keywords. For example, 'Seoul', '30-39 years old', ' woman', 'office worker', and 'income of 100 million won or more' are provided as keywords.
  • the third area 430 it is possible to compare and display the insurance status information according to the insurance information subscribed by the user and the insurance status information according to the plurality of insurance subscribers.
  • the number of contracts held by the user and the monthly premium paid may be displayed in comparison with similar customers. Through this, the user can understand at a glance how short the contract he has and how much the payment amount is insufficient compared to the average of customers similar to himself.
  • the electronic device 10 may compare and display the insurance holding status for each category according to the information of the user and the plurality of insurance subscribers through the user terminal 20 .
  • the fourth area 440 it is possible to check the insurance status for each category owned by the user and the insurance status for each category owned by similar customers. For example, in FIG. 4 , the user can see that he is more prepared than similar customers for insurance for accidental death and acute myocardial infarction, but says that he is less prepared than similar customers for general cancer diagnosis and cerebral hemorrhage insurance. can see.
  • the electronic device 10 may provide information on diseases frequently occurring in the user and a plurality of insurance subscriber groups through the user terminal 20 .
  • the user terminal screen 450 it can be seen that among the subscriber groups having similar attributes to the user, the incidence of serious diseases is highest in the order of cancer, heart disease, cerebrovascular disease, liver disease, and kidney disease. You can check the insurance information you need.
  • the user terminal screen 460 it can be seen that the cancer incidence ranks in the order of liver cancer, thyroid cancer, stomach cancer, blood cancer, and lung cancer in the subscriber group having similar properties to the user, and through this, the user can obtain the necessary insurance information can be checked. This will depend on the attribute information of the user requesting to be provided with insurance product information.
  • a group of subscribers having similar attributes to the user uses the external server 50 among user information who has subscribed to an insurance company related to the electronic device 10 and information of other users who have received information through the electronic device 10 . It may be selected based on information obtained through the Also, a group of subscribers having similar attributes to the user may be selected based on user attribute information provided in the form of keywords in the second area 420 . Meanwhile, when the number of insurance subscribers corresponding to the user's attribute information is not sufficient, a plurality of insurance subscribers may be selected excluding some attribute information. For example, insurance subscribers corresponding to some keywords among a plurality of keywords provided in the second area 420 may be selected as a group of subscribers having similar attributes to the user.
  • the information of a plurality of insurance subscriber groups provided by comparison with the user's information corresponds to the user's attribute information. It may be information on a plurality of insurance subscriber groups, but may be information on a plurality of insurance subscriber groups corresponding to some attribute information. Furthermore, complementary to the user's attribute information by applying a weight to each piece of information, using the information about the subscriber corresponding to some attribute information and the subscriber corresponding to the remaining attribute information as the first and second information, respectively. Average information of a plurality of corresponding insurance subscribers may be derived.
  • a user set corresponding to each keyword is identified, average information of each user set is derived, and the entire keyword is corresponding (ie, corresponding to user attribute information) based on a weight that can be applied to each keyword. It is possible to obtain information on a plurality of insurance subscribers. As such, examples of obtaining a plurality of insurance subscriber information corresponding to the user's attribute information may be similarly applied to the embodiments of FIGS. 5 to 9 below.
  • FIG. 5 is a diagram illustrating an embodiment of providing more specific guarantee analysis information.
  • the electronic device 10 provides insurance according to insurance products subscribed by a plurality of insurance subscribers selected based on the user's insurance status information, which is confirmed based on the insurance information the user is subscribed to, and the user's attribute information.
  • Reference information can be provided.
  • a guarantee item in which a difference value between the insurance status and the guarantee standard is greater than or equal to a predetermined value may be identified based on the insurance status information and the insurance standard information.
  • an insufficient amount for each guaranteed item may be calculated with respect to the checked guarantee item.
  • the information about the insufficient amount may be provided on the same screen as the guarantee item in which the difference between the guarantee status and the guarantee standard is equal to or greater than a predetermined value.
  • the insurance status can be compared for each category.
  • the user's insurance status for each insurance related to disease sequelae, cancer, cerebrovascular disease, loss and liability, etc. can be compared with the average insurance status of similar customers.
  • the user has relatively sufficient guarantees related to disease sequelae, cancer, and cerebrovascular disease compared to similar customers, but it can be confirmed that the guarantee is insufficient compared to similar customers with respect to loss and liability. there is.
  • a more detailed comparison result can be confirmed in the second area 520 .
  • the predetermined value may be an arbitrarily determined value, and for example, a case where the guaranteed amount is insufficient compared to the reference value by 2 million won or 20% may be included.
  • the user may receive at least one insurance product information corresponding to the insurance item by selecting at least one insurance item with respect to the guarantee item in which the difference between the insurance status and the guarantee standard is equal to or greater than a predetermined value there is. For example, in FIG. 5 , the user does not have any insurance products or has a guaranteed amount of 0 in relation to death and injury. In this case, the user may select death by injury to receive information on insurance products for injury and death.
  • the insurance classification item with which the insurance status can be compared may be determined differently depending on the operating subject of the insurance product related to the user. For example, in the case of an operating entity related to non-life insurance, insufficient coverage may be displayed by dividing it into disease aftereffects, cancer, cerebrovascular disease, loss and liability coverage. Alternatively, in the case of an operating entity related to life insurance, insufficient coverage may be displayed by dividing it into general death, critical illness (CI), cancer, cerebrovascular and loss coverage.
  • CI critical illness
  • the guarantee criterion may be an average value of information on a plurality of insurance subscribers, but in detail, it may be different for each plan type of an insurance product desired by the user to be provided.
  • there may be various types of insurance products that the user wants to receive such as standard type, VIP type, custom type, and PLY (People Like You) type.
  • PLY People Like You
  • the user wants to receive insurance product information through the PLY type the user can select the PLY type. Accordingly, it is possible to recommend products by comparing the insurance status and insurance standards according to insurance premiums calculated according to the PLY-type plan.
  • the electronic device 10 provides insurance product information corresponding to the insurance item in which the difference between the insurance status and the guarantee standard is greater than or equal to a predetermined value, while providing additional information related to the insurance product corresponding to the insurance item can do.
  • additional information related to the insurance product corresponding to the insurance item can do.
  • the insurance item is an aftereffect disability
  • the scope of compensation for the disability after the disease, the incidence rate and cause of acquired disability, etc. may be presented as additional information.
  • the insurance item is cancer
  • the incidence rate of major cancer according to gender, recurrence rate by cancer type, and cancer incidence rate according to family history may be presented as additional information.
  • information on the incidence rate of disease related to the product may be provided together.
  • the coverage item is cerebrovascular disease
  • the proportion of stroke patients is 68.5% of the total
  • the proportion of patients with cerebral hemorrhage is 9.7% of the total.
  • the proportion of acute myocardial infarction patients is 11.4% of the total, so additional information can be provided so that insurance products that guarantee the cost of diagnosis of acute myocardial infarction can be considered. In this way, the user may more easily calculate whether the corresponding insurance is required and, if necessary, how much premium is required.
  • the additional information corresponds to information related to an insurance product corresponding to the insurance item, and may include all information that can help a user select a required insurance product.
  • the content (the second area 520 ) indicating the insurance status information and the guarantee reference information and the content indicating the additional information may be displayed on the same screen of the user terminal 20 .
  • the additional information is displayed at the bottom of the second area 520 and may be displayed in the form of an icon or card in which the contents are summarized. content may be displayed.
  • the user can check the insurance product he owns and be provided with insurance product information for a necessary insurance item.
  • the electronic device 10 performs consulting to provide insurance product information to a user through the user terminal 20 will be described with reference to FIGS. 6 to 9 .
  • FIG. 6 is a diagram illustrating an embodiment of providing information on insurance products subscribed to by a user.
  • the electronic device 10 may check information about insurance product information subscribed by the user based on personal information related to the user. For example, the user may subscribe/log in to a specific insurance company or input his/her own information in order to receive insurance product information.
  • the electronic device 10 may check insurance product information of a user who has subscribed to the company or insurance subscription information of a third party based on the inputted user information. To this end, the electronic device 10 may search an internal database or obtain the user's third-party insurance subscription information from an external server.
  • the electronic device 10 may provide information on each insurance product currently owned by the user. For example, the electronic device 10 may provide information about a product name, a company name, a monthly payment amount, a payment period, and an insurance period for each insurance product.
  • the user currently has four insurance products subscribed to by the company or a third party, and the electronic device 10 lists information 610 on each insurance product through the screen of the user terminal 20 .
  • the user may receive a new insurance product recommendation, but may cancel the product or change the condition of the product through the button 611 for the existing product.
  • only 'maintenance' and 'cancellation' are possible for a product related to life insurance, but in the case of a product related to non-life insurance, 'change' is possible in addition to 'maintain' and 'cancellation'.
  • the user may select the button 612 to check detailed information on insurance premiums or insurance items for each insurance product.
  • the user may end the consulting for receiving insurance product information by selecting whether to cancel or change the insurance products currently owned by the user, but may also receive a new insurance product recommendation based on this.
  • the user may not have any insurance products owned by the company or a third party.
  • the user can subscribe to the insurance product by receiving a new recommendation.
  • the button 620 allows the user to proceed to the next step in order to check an insurance plan according to cancellation or change of existing insurance products or to receive an insurance product recommendation.
  • FIG. 7 is a diagram illustrating an embodiment in which information on a desired insurance product of a user is received when there is no insurance product owned by the user.
  • the electronic device 10 may receive an input of a product type or product group that the user wants to be recommended in order to provide insurance product information to the user.
  • the product type may be classified by health status, insurance period, and insurance premium level, and may be specifically divided into general type/prevalence type, non-renewal type/renewal type, standard type/cheap type, and the like.
  • the electronic device 10 may receive a selection for each type from the product type area 710 .
  • the product group may include comprehensive insurance, cancer insurance, driver's insurance, dental insurance, nursing care insurance, and loss insurance, and the electronic device 10 may receive a product group selection from the product group area 720 .
  • the electronic device 10 may provide recommended insurance product information to the user based on the received information.
  • the button 730 allows the user to proceed to the next step for confirming recommended insurance product information.
  • the electronic device 10 may identify a recommended insurance product based on information on a product type or product group for which the user wants to receive a recommendation. If the user does not have any insurance products, a recommended insurance product will be selected based on the received product type or product group information. can be used to select recommended insurance products.
  • the electronic device 10 may check the insurance standard information for each insurance item based on the insurance product information subscribed by a plurality of insurance subscribers having attribute information similar to or corresponding to the user's attribute information. there is.
  • an insurance product corresponding to information on a product type or product group desired by the user may be selected.
  • the electronic device 10 may compare the user's insurance status and the guarantee standard among the selected insurance products to select an insurance product corresponding to a guarantee item in which the difference between the insurance status and the insurance standard is equal to or greater than a predetermined value.
  • the selected recommended insurance products may be provided to the user through the user terminal 20 .
  • Information 810 on recommended insurance products may be provided to the user, and information on a product name, monthly payment amount, payment period, insurance period, and the like may be included.
  • the button 811 indicates whether the corresponding product is a product that has been previously recommended or is a product that is newly recommended due to a change in condition through a 'pre-designed case' or 'recommended product' label, respectively.
  • the user may check detailed information of each insurance product through the button 812 .
  • the detailed information may include information on the monthly payment insurance premium calculated by inputting the maximum collateral amount for each customer.
  • the button 820 allows the user to proceed to the step of confirming the final consulting result by using changes such as cancellation or change of an existing insurance product and a newly selected insurance product.
  • FIG. 9 is a diagram illustrating an embodiment in which a screen of consulting results is provided.
  • a new insurance product selected from an insurance product to be maintained or canceled and a recommended insurance product may be checked. If there is no insurance product owned by the user, only the new insurance product may be checked.
  • the electronic device 10 may provide the user with how the monthly insurance premium changes through the change details.
  • the electronic device 10 may compare the user's insurance product holding status with the insurance product holding status expected after consulting, and display the comparison as a graph 920 . Through this, users can visually check what insurance items they need and how much their insurance status is insufficient.
  • the electronic device 10 may quantitatively analyze the graph 920 and represent it as a table 930 . In the table 930, the guarantee amount required by the user for each guarantee item and the amount of the excess guarantee amount may be compared before and after consulting.
  • FIG. 10 is a block diagram illustrating an electronic device for performing a method of providing insurance product information according to an exemplary embodiment.
  • the electronic device 1000 is illustrated as including the storage unit 1010 and the control unit 1020 in FIG. 10 , the present invention is not limited to the illustrated components and may further include other arbitrary components. Also, the electronic device 1000 may correspond to the electronic device 10 of FIG. 1 .
  • the storage unit 1010 may store information related to insurance products, and may include authentication information and attribute information of a subscriber, and information on insurance products subscribed to by the subscriber.
  • Authentication information includes information that can authenticate individuals such as resident registration number, health insurance card number, and driver's license number. include the information
  • the control unit 1020 may check second information about insurance product information subscribed by the user based on the first information related to the user.
  • the first information related to the user may be identified based on a request for receiving the user's insurance product information, may include information related to the user's personal information, and may identify the user based on such information and identify the user's characteristics can confirm. For example, the user name, date of birth, resident number, etc. used for logging in to the platform may be included in the first information related to the user.
  • the control unit 1020 may search the storage unit 1010 in order to check the second information on the insurance product information subscribed by the user.
  • control unit 1020 may search the storage unit 1010 based on first information related to the user. Accordingly, the second information about the insurance product information subscribed by the user may be confirmed or the second information may not exist.
  • the electronic device 1000 may further include a communication unit (not shown).
  • the control unit 1020 may receive user approval information through the communication unit.
  • the external server may be a customer subscription product database of the Korea Credit Information Service and other companies.
  • the controller 1020 may generate the second information based on at least one of the user's insurance subscription information retrieved from the storage 1010 or third-party insurance subscription information obtained from an external server.
  • the second information may be classified as a guarantee item. Coverage may have various categories, such as family coverage, major illness coverage, medical coverage, nursing care coverage, and death coverage.
  • the controller 1020 may acquire third information related to the user's attribute.
  • the controller 1020 may receive information related to the user's attribute through the communication unit, and may acquire third information related to the user's attribute based on the received information.
  • the third information may include one or more of the user's income, gender, occupation, age, address, marital status, and child status.
  • the controller 1020 may select the first set of insurance subscriber information based on the third information.
  • the controller 1020 may search the storage 1010 to obtain a plurality of subscriber information corresponding to the user attribute, and select at least one set of insurance subscriber information accordingly.
  • user attribute information corresponding to the first set of insurance subscriber information may be transmitted to the user terminal 20 through the communication unit and provided in the form of a keyword.
  • the control unit 1020 is configured to control a plurality of first insurance amounts derived based on information of an insurance subscriber corresponding to each of the at least one keyword, and weight information corresponding to each of the plurality of first guarantee amounts, based on to determine the guarantee criteria information.
  • the control unit 1020 may check fourth information related to the insurance product information subscribed by the first set of insurance subscribers based on the first set of insurance subscriber information.
  • the fourth information may be information on insurance products subscribed by insurance subscribers having similar attributes to the user.
  • the control unit 1020 searches the storage unit 1010 for insurance products subscribed by the first set of insurance subscribers, and confirms which insurance products they have subscribed to, the subscription amount and the guaranteed amount, and what items are covered. there is.
  • the controller 1020 may check the guarantee reference information for each of a predetermined number of guarantee items based on the fourth information.
  • the fourth information may include information on insurance products subscribed by the first set of insurance subscribers, and the controller 1020 may classify them by insurance items to check the average insurance amount of the first set of insurance subscribers.
  • coverage may include general death, catastrophic death, general cancer diagnosis, acute myocardial infarction, CI (GI) diagnosis, and cerebral hemorrhage.
  • the predetermined number of guarantee items may be determined differently according to an operating entity of an insurance product related to a user. For example, coverage items may vary depending on whether the operator is a life insurance operator or a non-life insurance operator.
  • the control unit 1020 may provide the user with the insurance status information and the guarantee standard information confirmed based on the second information for each of the guarantee items.
  • the control unit 1020 may include the user's insurance subscription information retrieved from the storage unit 1010 and the user's insurance subscription information confirmed based on third-party insurance subscription information obtained from an external server through the communication unit, and the first set of It is possible to provide insurance standard information according to the insurance product information subscribed by the insured.
  • the controller 1020 may provide information on recommended insurance products selected based on the insurance status information and the insurance standard information.
  • the recommended insurance product information may include expected premium information.
  • the recommended insurance product information may be an insurance product corresponding to a guarantee item in which a difference value between the insurance status and the insurance standard is greater than or equal to a predetermined value.
  • control unit 1020 may provide insurance product information corresponding to a guarantee item in which a difference between the insurance status and the insurance standard is greater than or equal to a predetermined value based on the insurance status information and the insurance standard information.
  • controller 1020 may calculate the insufficient amount for each guarantee item for the guarantee item in which the difference value between the guarantee state and the guarantee standard is equal to or greater than a predetermined value based on the guarantee state information and the guarantee standard information.
  • Information on the insufficient amount may be transmitted to the user terminal 20 through the communication unit, and may be displayed together with a guarantee item in which a difference value between the guarantee status and the guarantee standard is greater than or equal to a predetermined value.
  • control unit 1020 may provide information on a guarantee item in which the difference value between the guarantee status and the guarantee standard is equal to or greater than a predetermined value.
  • the communication unit may receive a selection of at least one insurance item from among the information on the insurance item, and provide at least one insurance product information corresponding to the at least one insurance item based on the selection. For example, when there are disease death, injury death, and disability after the disease in the insurance items required for the user, these items may be provided to the user and the user may select the necessary item. If the user selects the accidental death item, insurance products related to the injury and death may be provided to the user.
  • the controller 1020 may provide additional information related to an insurance product corresponding to the insurance item. And by transmitting the additional information to the user terminal 20 through the communication unit, the user terminal 20 can display the first content indicating the confirmed guarantee status information and the guarantee reference information and the second content indicating the additional information together. .
  • information on an incidence rate of a disease related to the product may also be provided. Through this, the user can consider the information together when selecting an insurance product.
  • controller 1020 may implement the embodiments performed by the electronic device 10 described with reference to FIGS. 1 and 2 , but is not limited thereto.
  • FIG. 11 is a block diagram illustrating a terminal for performing a method of providing insurance product information according to an embodiment.
  • the terminal 1100 is illustrated as including an input unit 1110 , an output unit 1120 , a communication unit 1130 , and a processor 1140 , but is not limited to the illustrated components, and other arbitrary components may further include. Also, the terminal 1100 may correspond to the user terminal 20 of FIG. 1 .
  • the terminal 1100 may receive a user input through the input unit 1110 , receive information from the device 1000 through the communication unit 1130 , and output information through the output unit 1120 .
  • the controller 1020 performs the embodiment of the electronic device 10 in the embodiment of the device 1000
  • the operation of the controller 1020 in the terminal 1100 is controlled through the processor 1140 . can also be done
  • the terminal 1100 may receive user information through the input unit 1110 or receive a user input required to provide insurance product information. Also, the terminal 1100 may output information received from the device 1000 through the output unit 1120 to provide information to the user. For example, the terminal 1100 may receive a request for a user to receive insurance product information through the input unit 1110 , and may receive a user input for obtaining information related to user attributes. Also, the terminal 1100 may receive the user's approval information through the input unit 1110 , and may transmit the approval information to the device 1000 through the communication unit 1130 . In addition, the terminal 1100 may output the user's insurance status information and guarantee reference information through the output unit 1120 or output recommended insurance product information based on the information. The processor 1140 may control the overall operation of the terminal 1100 by driving an application program for driving modules in the terminal 1100 .
  • the device includes a processor, a memory for storing and executing program data, a permanent storage such as a disk drive, a communication port for communicating with an external device, a touch panel, a key, a button, etc. user interface devices, and the like.
  • Methods implemented as software modules or algorithms may be stored on a computer-readable recording medium as computer-readable codes or program instructions executable on the processor.
  • a computer-readable recording medium includes a magnetic storage medium (eg, read-only memory (ROM), random-access memory (RAM), floppy disk, hard disk, etc.) and an optically readable medium (eg, CD-ROM). ) and DVD (Digital Versatile Disc)).
  • the computer-readable recording medium may be distributed among network-connected computer systems, so that the computer-readable code may be stored and executed in a distributed manner.
  • the medium may be readable by a computer, stored in a memory, and executed on a processor.
  • This embodiment may be represented by functional block configurations and various processing steps. These functional blocks may be implemented in any number of hardware and/or software configurations that perform specific functions.
  • an embodiment may be an integrated circuit configuration, such as memory, processing, logic, look-up table, etc., capable of executing various functions by means of the control of one or more microprocessors or other control devices.
  • this embodiment includes various algorithms implemented in a combination of data structures, processes, routines, or other programming constructs, including C, C++, Java ( It can be implemented in a programming or scripting language such as Java), assembler, or the like. Functional aspects may be implemented in an algorithm running on one or more processors.
  • the present embodiment may employ the prior art for electronic environment setting, signal processing, and/or data processing.
  • Terms such as “mechanism”, “element”, “means” and “configuration” may be used broadly and are not limited to mechanical and physical configurations. The term may include the meaning of a series of routines of software in association with a processor or the like.

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Abstract

La présente invention concerne un procédé de fourniture d'informations de produit d'assurance et un appareil correspondant. Le procédé de fourniture d'informations de produit d'assurance comprend les étapes consistant à identifier des secondes informations par rapport à des informations concernant un produit d'assurance auquel un utilisateur s'est abonné, sur la base de premières informations relatives à l'utilisateur ; à acquérir des troisièmes informations relatives aux attributs de l'utilisateur ; à sélectionner des informations concernant un premier ensemble d'abonnés d'assurance sur la base des troisièmes informations ; à identifier des quatrièmes informations relatives à des informations concernant des produits d'assurance auxquels le premier ensemble d'abonnés d'assurance ont souscrit, sur la base des informations concernant le premier ensemble d'abonnés d'assurance ; à identifier des informations de critère de couverture concernant chacun d'un certain nombre d'éléments de couverture, sur la base des quatrièmes informations ; et à fournir les informations de critère de couverture, et des informations d'état de couverture qui ont été identifiées sur la base des secondes informations par rapport à chacun des éléments de couverture.
PCT/KR2021/011552 2020-11-02 2021-08-27 Procédé permettant de fourniture d'informations de produit d'assurance et appareil correspondant WO2022092524A1 (fr)

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KR102682921B1 (ko) * 2023-03-27 2024-07-09 한화생명금융서비스 주식회사 보험 가입 정보를 제공하기 위한 전자 장치 및 그 방법
KR102641871B1 (ko) * 2023-05-15 2024-02-28 주식회사 아이지넷 질환 및 상해 예측에 기반한 맞춤형 보험설계서비스 시스템
KR102613344B1 (ko) * 2023-05-16 2023-12-13 주식회사 아이지넷 3d 뷰잉을 통한 맞춤형 보험 진단 및 설계서비스 시스템
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