Method, system, and program for calculating insurance rates for companion animals using at least one Internet of Things device used in the life of companion animals

Abstract

A method for calculating an insurance premium for a companion animal using at least one Internet of Things device used in the life of a companion animal according to one embodiment of the present disclosure may include a step of collecting basic information about the companion animal, a step of collecting maintenance information on the maintenance of the at least one Internet of Things device by the owner of the companion animal and usage information on the use of the at least one Internet of Things device by the companion animal, a step of calculating the sincerity of the owner based on the maintenance information, a step of calculating the health of the companion animal based on the usage information, and a step of calculating an insurance premium rate for the companion animal based on the sincerity of the owner and the health of the companion animal.

Description

[Technical field]

[0001] The present disclosure relates to a method, system, and program for calculating insurance rates for companion animals using at least one Internet of Things device utilized in the life of the companion animal. [Background technology]

[0002] In recent years, as companion animals have become more popular, the number of households that own companion animals has increased significantly, which has resulted in an increase in expenditures and markets related to companion animals, as well as a large increase in medical expenses for companion animals.

[0003] Companion animal insurance is one of the best ways to reduce medical expenses for companion animals and keep them safe, but to date, it has not been fully utilized. This underutilization of companion animal insurance may lead to inappropriate inflation of insurance premiums.

[0004] Typically, insurance providers participate in an underwriting and rating process that assesses the risk level associated with the property being insured and determines an appropriate premium rate to protect against that risk. For humans, health and auto insurance policy providers use highly refined actuarial models that are based on tens of millions of insurance entities and reliable data such as medical records and police reports to determine appropriate premium rates. In contrast, insurance rates for companion animals may be developed without access to reliable data. Companion animal insurance providers often lack an effective means of verifying the accuracy of the data provided by owners.

[0005] Companion animal insurance rates may therefore be subject to a relatively high level of uncertainty, and such uncertainty may lead insurance providers to inflate premiums to protect against financial losses. Summary of the Invention [Problem to be solved by the invention]

[0006] One objective of the present disclosure is to calculate insurance rates for companion animals based on the honesty of the owner and the health of the companion animal, in order to improve the unreasonable insurance rates applied to companion animals.

[0007] However, the technical problems to be solved by this embodiment are not limited to those described above, and other technical problems may exist. [Means for solving the problem]

[0008] A method for calculating an insurance premium for a companion animal using at least one Internet of Things device used in the life of a companion animal according to one embodiment of the present disclosure may include a step of collecting basic information about the companion animal, a step of collecting maintenance information on the maintenance of the at least one Internet of Things device by the owner of the companion animal and usage information on the use of the at least one Internet of Things device by the companion animal, a step of calculating the sincerity of the owner based on the maintenance information, a step of calculating the health of the companion animal based on the usage information, and a step of calculating an insurance premium rate for the companion animal based on the sincerity of the owner and the health of the companion animal.

[0009] A system for calculating an insurance premium rate for a companion animal using at least one Internet of Things device used in the life of a companion animal according to an embodiment of the present disclosure may include an Internet of Things device and an information processing device. The information processing device may include a collection unit configured to collect basic information on the companion animal, maintenance information on maintenance performed by an owner of the companion animal on the at least one Internet of Things device, and usage information on the companion animal's use of the at least one Internet of Things device, a calculation unit configured to calculate the sincerity of the owner based on the maintenance information and the health of the companion animal based on the usage information, and a calculation unit configured to calculate an insurance premium rate for the companion animal based on the sincerity of the owner and the health of the companion animal.

[0010] A computer program stored on a computer-readable recording medium including a sequence of commands for calculating an insurance premium for a companion animal using at least one Internet of Things device used in the life of a companion animal according to one embodiment of the present disclosure may, when executed by a computing device, include a sequence of commands to collect basic information about the companion animal, collect maintenance information on maintenance performed by the owner of the companion animal on the at least one Internet of Things device and usage information on the companion animal's use of the at least one Internet of Things device, calculate the owner's sincerity based on the maintenance information, calculate the health of the companion animal based on the usage information, and calculate the insurance premium rate for the companion animal based on the owner's sincerity and the health of the companion animal. Effect of the Invention

[0011] According to one embodiment of the present disclosure, insurance providers can prevent financial losses by improving the uncertainty of companion animal accident risk.

[0012] In addition, the insured may apply insurance premium rates that are reasonably calculated based on the risk of accidents to companion animals. [Brief description of the drawings]

[0013] [Figure 1] FIG. 1 is a configuration diagram of a system for calculating insurance rates for companion animals according to one embodiment of the present disclosure. [Diagram 2] 1 is a flowchart of a method for calculating insurance rates for companion animals according to one embodiment of the present disclosure. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, the present application will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present application. However, the present application may be embodied in various different forms and is not limited to the embodiments described herein. In the drawings, in order to clearly explain the present application, parts that are not related to the description are omitted, and similar parts are designated by similar reference numerals throughout the specification.

[0015] Throughout this specification, when a member is said to be "on" another member, this includes not only when the member is in contact with the other member, but also when there is another member between the two members.

[0016] Throughout the specification of this application, when a part is said to "comprise" a certain element, this means that it may further include other elements, but not to the exclusion of other elements, unless specifically stated to the contrary.

[0017] As used throughout the specification of this application, the terms "about," "substantially," and the like are used to mean a numerical value or close to a numerical value when manufacturing and material tolerances inherent in the recited meaning are given, and are used to prevent an unconscionable infringer from taking unfair advantage of the disclosure in which precise or absolute numerical values ​​are recited to aid in the understanding of this application. As used throughout the specification of this application, the terms "step of" or "step of" do not mean "step for".

[0018] Throughout the specification of this application, the term "combination(s) of" contained in a Markush form expression means a mixture or combination of one or more selected from the group of elements set forth in the Markush form expression, and is meant to include one or more selected from the group of elements set forth above.

[0019] Throughout the specification of this application, the statement "A and / or B" means "A or B, or A and B."

[0020] Hereinafter, embodiments and examples of the present application will be described in detail with reference to the accompanying drawings, but the present application is not limited to the embodiments and examples and drawings.

[0021] FIG. 1 is a configuration diagram of a system 100 for calculating insurance rates for companion animals according to one embodiment of the present disclosure.

[0022] Referring to FIG. 1, a system 100 for calculating insurance rates for companion animals in one embodiment may include an information processing device 110, Internet of Things devices 120, 130, 140, 150, a first server 160, a second server 170 and / or a third server 180.

[0023] In one embodiment, the information processing device 110, the Internet of Things devices 120, 130, 140, 150, the first server 160, the second server 170 and / or the third server 180 may each include a communication module (not shown) that transmits and receives data via a specified communication method (e.g., wireless communication, etc.).

[0024] In one embodiment, the information processing device 110 may be a host computer for a server. In other embodiments, the information processing device 110 may be any type of device, including a portable communication device (e.g., a smartphone), a computing device, a portable multimedia device, a portable medical device, a camera, an electronic device, a home appliance device, a tablet terminal, a PDA (Personal Digital Assistant), a desktop PC (Personal Computer), or a notebook PC. In one embodiment, the information processing device 110 may include a collecting unit 113, a calculating unit 115, and / or a calculating unit 117.

[0025] In one embodiment, the collection unit 113 may be configured to collect basic information about the companion animal, maintenance information about maintenance performed by the companion animal's owner on at least one Internet of Things device 120, 130, 140, 150, and usage information about the companion animal's use of at least one Internet of Things device 120, 130, 140, 150.

[0026] In one embodiment, the calculation unit 115 may be configured to calculate the conscientiousness of the owner based on the maintenance information and to calculate the health of the companion animal based on the usage information. For example, the calculation unit 115 may be trained to calculate the conscientiousness of the owner and / or the health of the companion animal based on the maintenance information and / or the usage information, respectively.

[0027] In one embodiment, the calculation unit 117 may be configured to calculate the insurance rate for the companion animal based on the honesty of the owner and the health of the companion animal.

[0028] The information processing device 110 in one embodiment may be a computer-readable recording medium storing a computer program including a sequence of instructions for calculating insurance rates for companion animals using at least one Internet of Things device 120, 130, 140, 150 used in the life of companion animals.

[0029] According to an embodiment, an Internet of Things (IoT) device is a device with a built-in wireless communication function and may have a distinguishable Internet Protocol (IP) address. In an embodiment, the Internet of Things devices 120, 130, 140, 150 may be connected to a terminal device, a server, and / or the Internet through wireless communication (e.g., WiFi or Bluetooth), and may transmit and receive data to and from devices connected via wireless communication.

[0030] In one embodiment, the Internet of Things devices 120, 130, 140, 150 may be devices used in the life of a companion animal. For example, the Internet of Things devices 120, 130, 140, 150 may obtain usage information about the companion animal's use of the Internet of Things devices 120, 130, 140, 150.

[0031] In one embodiment, the Internet of Things devices 120, 130, 140, 150 may include at least one of a litter box 140, a tracker 150, a food bowl 130, or a water dispenser 120 for use by a companion animal.

[0032] In one embodiment, the water dispenser 120 is a device that provides a drink to a companion animal, and may measure the amount of water consumed by the companion animal and obtain data on the measured amount of water consumed.

[0033] In one embodiment, food feeder 130 is a device that provides food to a companion animal and may measure the companion animal's intake of food and / or nutrients and obtain data regarding the measured intake of food and / or nutrients.

[0034] In one embodiment, litter box 140 is a device for collecting waste from companion animals, and the companion animal's usage pattern of litter box 140 may be measured and data obtained for the measured usage pattern.

[0035] In one embodiment, tracker 150 may be attached to a companion animal and may sense the location, behavior, and / or movement of the companion animal, obtain biometric data of the companion animal, and may measure an activity level of the companion animal and obtain data related to the measured activity level.

[0036] In one embodiment, the Internet of Things devices 120, 130, 140, 150 (eg, the toilet 140) may measure the weight of a companion animal and obtain the measured weight information.

[0037] The first server 160, the second server 170, and / or the third server 180 according to an embodiment may be a computer or software server that provides services or data to a client device in a network via the Internet. Here, the first server 160, the second server 170, and / or the third server 180 may be individually configured servers, or may be servers that are at least partially integrated with each other or integrated with the information processing device 110.

[0038] In one embodiment, the first server 160 may be a management server or a database that stores basic information about the companion animal and input information input by the owner into an application corresponding to at least one of the Internet of Things devices 120, 130, 140, 150. In one embodiment, the first server 160 may receive and store the basic information about the companion animal and the input information input into an application corresponding to at least one of the Internet of Things devices 120, 130, 140, 150 from a terminal device (not shown) of the owner.

[0039] In one embodiment, the second server 170 may be a shopping mall server or database that stores purchasing information for products used for companion animals.

[0040] In one embodiment, the third server 180 may be a medical data storage server or database that stores companion animal medical records.

[0041] FIG. 2 is a flowchart 200 of a method for determining insurance rates for companion animals, according to one embodiment of the present disclosure.

[0042] 2, the information processing device 110 according to an embodiment may collect basic information of companion animals in step 210. In an embodiment, the information processing device 110 may receive the basic information of companion animals stored in the first server 160 from the first server 160.

[0043] For example, there may be multiple companion animals, and a specific companion animal may be identified from among the multiple companion animals through a photograph, biometric data, and / or an RFID chip, etc.

[0044] In one embodiment, the information processing device 110 may acquire basic information on companion animals stored in the first server 160, and collect information (described later) on companion animals corresponding to the acquired basic information.

[0045] In one embodiment, the basic information of the companion animal may include at least one of the breed, photo, biometric data, age, height, weight, or initial health status of the companion animal. For example, the basic information of the companion animal may further include the companion animal's lifestyle, initial health check results, or residential area, or personal information about the owner.

[0046] In one embodiment, in step 230, the information processing device 110 may collect maintenance information on maintenance performed by the owner of the companion animal on at least one Internet of Things device 120, 130, 140, 150, and usage information on the use of the at least one Internet of Things device 120, 130, 140, 150 by the companion animal.

[0047] In one embodiment, the information processing device 110 may obtain maintenance information and / or usage information regarding the at least one Internet of Things device 120, 130, 140, 150 from the at least one Internet of Things device 120, 130, 140, 150 and / or the first server 160. For example, the information processing device 110 may obtain maintenance information regarding the at least one Internet of Things device 120, 130, 140, 150 from a sensor included in the at least one Internet of Things device 120, 130, 140, 150. For example, the information processing device 110 may obtain maintenance information input by the owner into an application from the first server 160.

[0048] For example, the maintenance information for the Internet of Things devices 120 , 130 , 140 , 150 may include at least one or more of cleaning information, consumable replacement information, water supply information, or feeding information for at least one of the Internet of Things devices 120 , 130 , 140 , 150 .

[0049] For example, usage information about the Internet of Things devices 120, 130, 140, 150 may include at least one of the following: litter box usage, activity, feed intake, or water intake of the companion animal.

[0050] In one embodiment, the information processing device 110 may collect input information input by the owner into an application corresponding to at least one Internet of Things device 120 , 130 , 140 , 150 in step 232 .

[0051] In one embodiment, the information processing device 110 may receive from the first server 160 input information entered by the owner into an application corresponding to at least one Internet of Things device 120, 130, 140, 150, which is stored in the first server 160.

[0052] For example, the input information may be a care diary that is entered into the application by the owner and stored on the first server 160, and the care diary may record information such as activities with the pet (e.g., walks, exercise, play), feeding information, nail care, etc.

[0053] In step 234, the information processing device 110 according to an embodiment may collect purchasing information of products used for companion animals.

[0054] In one embodiment, the information processing device 110 may collect purchase information of products used for companion animals from a dedicated shopping mall or payment details of a dedicated payment card related to the companion animal stored in the second server 170.

[0055] For example, the purchasing information may include the type of product used for the companion animal, the amount purchased, the frequency of purchase, or the purchase cost.

[0056] For example, products for use with companion animals may include at least one of the following: food, nutrients, joint protection bands, filters, or consumables.

[0057] In one embodiment, the information processing device 110 may collect 236 the companion animal's medical records.

[0058] In one embodiment, the information processing device 110 may collect companion animal medical records entered by a veterinarian and stored in the third server 180 .

[0059] For example, medical records may include the location and dates of care for companion animals, and may include illnesses identified by care, medical examination results including blood or video tests, etc.

[0060] Here, steps 230, 232, 234, and 236 are described as sequential steps, but may be performed simultaneously or may be reordered.

[0061] In step 250, the information processing device 110 according to an embodiment may calculate the owner's sincerity based on the maintenance information.

[0062] In one embodiment, the information processing device 110 may generate or extract at least one index using the maintenance information, and use the index to calculate the owner's sincerity.

[0063] For example, the information processing device 110 may generate an index related to the maintenance frequency of the owner based on cleaning information, consumable replacement information, water supply information, and / or feeding information of the Internet of Things devices 120, 130, 140, 150 included in the maintenance information. The information processing device 110 may calculate the owner's conscientiousness to be high as the index related to the maintenance frequency increases. Conversely, the information processing device 110 may calculate the owner's conscientiousness to be low as the index related to the maintenance frequency decreases.

[0064] The information processing device 110 according to an embodiment may calculate the conscientiousness of the owner further based on input information input to an application corresponding to at least one of the Internet of Things devices 120, 130, 140, 150. In an embodiment, the information processing device 110 may calculate the conscientiousness of the owner based on the maintenance information and the input information.

[0065] For example, the information processing device 110 may generate an index related to an input frequency or companion animal care based on input information input to an application corresponding to at least one of the Internet of Things devices 120, 130, 140, 150. The information processing device 110 may calculate the conscientiousness of the owner to be high according to an increase in the input frequency or the index related to the companion animal care. Conversely, the information processing device 110 may calculate the conscientiousness of the owner to be low according to a decrease in the input frequency or the index related to the companion animal care.

[0066] The information processing device 110 according to an embodiment may calculate the conscientiousness of the owner based on the purchase information of the products used for the companion animal. In an embodiment, the information processing device 110 may calculate the conscientiousness of the owner based on the maintenance information and the purchase information of the products used for the companion animal.

[0067] For example, the information processing device 110 may generate an index related to a purchase frequency or a purchase amount based on the purchase information. The information processing device 110 may calculate the conscientiousness of the owner to be high as the index related to the purchase frequency or the purchase amount increases. Conversely, the information processing device 110 may calculate the conscientiousness of the owner to be low as the index related to the purchase frequency or the purchase amount decreases.

[0068] In one embodiment, the information processing device 110 may learn the relationship between the maintenance information, the input information, and / or the purchase information and the owner's conscientiousness using a learning model. In one embodiment, the information processing device 110 may calculate the owner's conscientiousness according to the maintenance information, the input information, and / or the purchase information based on the pre-trained learning model.

[0069] In one embodiment, the information processing device 110 may calculate the health of the companion animal in step 260 based on the usage information for at least one Internet of Things device 120 , 130 , 140 , 150 .

[0070] In one embodiment, the information processing device 110 may generate an index related to the health of the companion animal from the usage information of at least one Internet of Things device 120, 130, 140, 150. The information processing device 110 may calculate the health of the companion animal according to the generated index.

[0071] In one embodiment, the information processing device 110 may learn a relationship between the usage information of at least one Internet of Things device 120, 130, 140, 150 and the health of the companion animal using a learning model. In one embodiment, the information processing device 110 may calculate the health of the companion animal based on the usage information of at least one Internet of Things device 120, 130, 140, 150 based on a pre-trained learning model.

[0072] Here, steps 250 and 260 are described as sequential steps, but they may be performed simultaneously or the order may be changed.

[0073] In step 270, the information processing device 110 according to an embodiment may calculate an insurance rate for the companion animal based on the honesty of the owner and the health of the companion animal.

[0074] In one embodiment, the information processing device 110 may calculate the insurance rate for the companion animal according to the honesty of the owner and the health of the companion animal based on a preset formula.

[0075] The method for calculating insurance premiums for companion animals using at least one Internet of Things device 120, 130, 140, 150 used in the lives of companion animals in the information processing device 110 described above may be embodied in the form of a computer program stored in a computer-readable recording medium executed by a computer or a recording medium including instructions executable by a computer. Also, the method for calculating insurance premiums for companion animals using at least one Internet of Things device 120, 130, 140, 150 used in the lives of companion animals in the information processing device 110 described above may be embodied in the form of a computer program stored in a computer-readable recording medium executed by a computer.

[0076] The computer-readable recording medium may be any available medium that can be accessed by a computer, including both volatile and nonvolatile media, and both separate and non-separate media. The computer-readable recording medium may also include computer storage media. The computer storage media includes both volatile and nonvolatile, separate and non-separate media embodied in any method or technology for storing information, such as computer-readable instructions, data structures, program modules, or other data.

[0077] The functionality provided by the components described herein may be implemented in processing circuitry, including general purpose processors, application specific processors, integrated circuits, Application Specific Integrated Circuits (ASICs), Central Processing Units (CPUs), circuits, and / or combinations thereof, programmed to provide the functionality described. Processors include transistors and other circuits and are considered to be circuits or processing circuitry. A processor may be a programmed processor that executes a program stored in a memory.

[0078] In the present specification, a circuit, a part, a unit, or a means is hardware that is programmed to realize or executes the described functions, which may be any hardware disclosed in the present specification or any hardware known to be programmed to realize or execute the described functions.

[0079] In the case where the hardware is a processor considered to be a circuit type, the circuit, the part, the means or the unit is a combination of the hardware and the software used to configure the hardware and / or the processor.

[0080] The above description of the present disclosure is for illustrative purposes only, and a person having ordinary skill in the art to which the present disclosure pertains can easily understand that the present disclosure can be easily modified into other specific forms without changing the technical idea or essential features of the present disclosure. Therefore, it should be understood that the above-described embodiments are illustrative in all respects and are not limiting. For example, each component described as a single type may be implemented in a distributed form, and similarly, each component described as a distributed type may be implemented in a combined form.

[0081] The scope of the present disclosure is indicated by the claims set forth below rather than by the above detailed description, and all modifications and variations derived from the meaning and scope of the claims, as well as their equivalent concepts, should be construed as being included within the scope of the present disclosure.

Claims

1. A method for calculating insurance rates for companion animals using at least one Internet of Things device utilized in the life of a companion animal, comprising: collecting basic information about the companion animal; collecting maintenance information on maintenance performed by an owner of the companion animal on the at least one Internet of Things device and usage information on usage of the at least one Internet of Things device by the companion animal; calculating the conscientiousness of the owner based on the maintenance information; calculating a health level of the companion animal based on the usage information; and calculating an insurance rate for the companion animal based on the honesty of the owner and the health of the companion animal. How to calculate insurance rates for companion animals.

2. The at least one Internet of Things device includes at least one of a litter box, a tracker, a food bowl, or a water dispenser for the companion animal; 2. A method for calculating insurance rates for companion animals according to claim 1.

3. The maintenance information includes at least one of cleaning information, consumable replacement information, water supply information, or feeding information of the at least one Internet of Things device; 2. A method for calculating insurance rates for companion animals according to claim 1.

4. The method further includes collecting input information input by the owner into an application corresponding to the at least one Internet of Things device; The step of calculating the honesty of the owner includes: calculating a sincerity of the owner further based on the collected input information; 2. A method for calculating insurance rates for companion animals according to claim 1.

5. The method further includes a step of collecting purchasing information of products used for the companion animal, The step of calculating the honesty of the owner includes: calculating a loyalty level of the pet owner based further on the collected purchase information; 2. A method for calculating insurance rates for companion animals according to claim 1.

6. The step of collecting purchase information of products used for companion animals includes: collecting the purchase information from a dedicated shopping mall or a dedicated payment card related to the companion animal; 6. A method for calculating insurance rates for companion animals according to claim 5.

7. The usage information includes at least one of the amount of litter box use, the amount of activity, the amount of feed intake, and the amount of water intake of the companion animal.

2. A method for calculating insurance rates for companion animals according to claim 1.

8. collecting medical records of the companion animal; The step of calculating the health of the companion animal includes: calculating a health status of the companion animal further based on the collected medical records; 2. A method for calculating insurance rates for companion animals according to claim 1.

9. The basic information includes at least one of the breed, photo, biometric data, age, height, weight, or initial health condition of the companion animal.

2. A method for calculating insurance rates for companion animals according to claim 1.

10. The step of calculating an insurance rate for a companion animal includes: Calculating an insurance rate for the companion animal according to a predetermined formula and a degree of sincerity of the owner and a degree of health of the companion animal.

2. A method for calculating insurance rates for companion animals according to claim 1.

11. A system for calculating insurance rates for companion animals using at least one Internet of Things device used in the life of a companion animal, Internet of Things devices and An information processing device, The information processing device includes: a collection unit configured to collect basic information about the companion animal, maintenance information about maintenance performed by an owner of the companion animal on the at least one Internet of Things device, and usage information about use of the at least one Internet of Things device by the companion animal; a calculation unit configured to calculate a conscientiousness of the owner based on the maintenance information and to calculate a health degree of the companion animal based on the usage information; and a calculation unit configured to calculate an insurance rate for the companion animal based on the sincerity of the owner and the health of the companion animal. A system for calculating insurance rates for companion animals.

12. a first server configured to store basic information of the companion animal and input information input by the owner into an application corresponding to the at least one Internet of Things device; the collection unit is configured to collect basic information of the companion animal and the input information from the first server, The calculation unit is configured to calculate the sincerity of the owner further based on the collected input information. The system for calculating insurance rates for companion animals according to claim 11.

13. a second server configured to store purchasing information for products used on the companion animal; the collection unit is configured to collect the purchase information from the second server; The calculation unit is configured to calculate the sincerity of the owner further based on the collected purchase information. The system for calculating insurance rates for companion animals according to claim 11.

14. a third server configured to store medical records of the companion animal; The collection unit is configured to collect the medical records from the third server; The calculation unit is configured to calculate the health of the companion animal further based on the collected medical records. The system for calculating insurance rates for companion animals according to claim 11.

15. A computer program stored on a computer readable recording medium including a sequence of instructions for calculating an insurance rate for a companion animal using at least one Internet of Things device that is used in the life of the companion animal, the computer program comprising: The computer program, when executed by a computing device, Collect basic information about the companion animal; Collecting maintenance information on maintenance performed by an owner of the companion animal on the at least one Internet of Things device and usage information on the companion animal using the at least one Internet of Things device; Calculating the conscientiousness of the owner based on the maintenance information; Calculating the health of the companion animal based on the usage information; a sequence of commands for determining an insurance rate for the companion animal based on the honesty of the owner and the health of the companion animal; A computer program stored on a computer-readable recording medium.

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