Method, system, and program for calculating insurance rates for companion animals using at least one Internet of Things device used in the lives 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 used in the life of a 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 led to an increase in expenditures and markets related to companion animals, as well as a significant increase in medical expenses for companion animals.

[0003] Pet insurance is one of the best ways to reduce medical expenses for pets and keep them safe, but to date it has not been fully utilized. This underutilization of pet insurance can 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 determine appropriate premium rates using highly refined actuarial models based on tens of millions of insurers and reliable data such as medical records and police reports. In contrast, pet insurance rates may be developed without access to reliable data. Pet insurance providers often lack effective means of verifying the accuracy of data provided by owners.

[0005] Thus, insurance rates for companion animals may be subject to a relatively high level of uncertainty, and such uncertainty may lead insurance providers to inflate premiums to protect against financial loss. 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 that this embodiment aims to solve are not limited to the above-mentioned technical problems, 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 the steps of collecting basic information about the companion animal, collecting maintenance information about maintenance performed by the owner of the companion animal on the at least one Internet of Things device and usage information about the companion animal's use of the at least one Internet of Things device, calculating the owner's sincerity based on the maintenance information, calculating the companion animal's health based on the usage information, and calculating the insurance premium for the companion animal based on the owner's sincerity and the companion animal's health.

[0009] According to an embodiment of the present disclosure, a system for calculating an insurance premium for a companion animal using at least one Internet of Things device used in the life of the companion animal 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 about the companion animal, maintenance information about maintenance performed on the at least one Internet of Things device by the owner of the companion animal, and usage information about the companion animal's use of the at least one Internet of Things device, a calculation unit configured to calculate a conscientiousness of the owner based on the maintenance information and a health level 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 conscientiousness of the owner and the health level 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 include, when executed by a computing device, 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 companion animal's health based on the usage information, and calculate the companion animal's insurance premium based on the owner's sincerity and the companion animal's health. [Effects of the Invention]

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

[0012] In addition, the insured person can apply insurance premium rates that are reasonably calculated based on the risk of accidents involving companion animals. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a configuration diagram of a system for calculating insurance rates for companion animals according to an embodiment of the present disclosure. [Figure 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 INVENTION

[0014] Hereinafter, embodiments of 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, parts that are not relevant to the description are omitted for clarity, 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 this specification, 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 otherwise specified.

[0017] As used throughout the specification of this application, terms of degree such as "about," "substantially," etc., are used to mean a numerical value or a approximation of a numerical value when inherent manufacturing and material tolerances are given, and are used to prevent unscrupulous infringers from unfairly taking advantage of disclosures 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 "steps to" or "steps of" do not mean "steps for."

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

[0019] Throughout the specification of this application, the phrase "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 these 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 server host computer. 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, a personal digital assistant (PDA), a desktop personal computer (PC), or a laptop. In one embodiment, the information processing device 110 may include a collecting unit 113, a calculating unit 115, and / or a computation 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 owner of the companion animal 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 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 according to 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 a companion animal.

[0029] According to an embodiment, an Internet of Things (IoT) device is a device with built-in wireless communication capabilities and may have a distinctive Internet Protocol (IP) address. In an embodiment, the IoT devices 120, 130, 140, and 150 may be connected to a terminal device, a server, and / or the Internet via wireless communication (e.g., Wi-Fi 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 acquire 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 animal waste, and may measure the companion animal's litter box 140 usage pattern and obtain data on the measured usage pattern.

[0035] In one embodiment, tracker 150 is 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, measure the activity of the companion animal, and obtain data related to the measured activity.

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

[0037] According to an embodiment, the first server 160, the second server 170, and / or the third server 180 may be a computer or software server that provides services or data to client devices over 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 into 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 Internet of Things device 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 Internet of Things device 120, 130, 140, 150 from the owner's terminal device (not shown).

[0039] In one embodiment, the second server 170 may be a shopping mall server or database that stores purchasing information for supplies 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 assessing insurance rates for companion animals, according to one embodiment of the present disclosure.

[0042] 2, the information processing device 110 according to one embodiment may collect basic information about companion animals in step 210. In one embodiment, the information processing device 110 may receive the basic information about 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 about companion animals stored in the first server 160, and collect information (described later) about 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, the information processing device 110 may collect, in step 230, maintenance information on maintenance performed by the owner of a companion animal on at least one Internet of Things device 120, 130, 140, 150 and usage information on the companion animal's use of at least one Internet of Things device 120, 130, 140, 150.

[0047] In one embodiment, the information processing device 110 may obtain maintenance information and / or usage information for at least one Internet of Things device 120, 130, 140, 150 from 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 for 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 from the first server 160 that the owner has entered into an application.

[0048] For example, 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 Internet of Things device 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 level, feed intake, or water intake of the companion animal.

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

[0051] In one embodiment, the information processing device 110 may receive from the first server 160 input information that the owner has entered 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 animal (e.g., walks, exercise, play), feeding information, nail care, etc.

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

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

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

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

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

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

[0059] For example, medical records may include the location and date of visits to companion animals, and may include medical examination results, including any illnesses identified during the visit, blood tests, or imaging tests.

[0060] Although steps 230, 232, 234, and 236 are described herein as sequential steps, they may be performed simultaneously or in a different order.

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

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

[0063] For example, the information processing device 110 may generate an index related to the frequency of maintenance 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, and 150 included in the maintenance information. The information processing device 110 may calculate the owner's conscientiousness as higher as the index related to the maintenance frequency increases. Conversely, the information processing device 110 may calculate the owner's conscientiousness as lower as the index related to the maintenance frequency decreases.

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

[0065] For example, the information processing device 110 may generate an index related to the input frequency or the care of a companion animal 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 higher as the input frequency or the index related to the care of a companion animal increases. Conversely, the information processing device 110 may calculate the conscientiousness of the owner to be lower as the input frequency or the index related to the care of a companion animal decreases.

[0066] In one embodiment, the information processing device 110 may calculate the conscientiousness of the owner based on the purchase information of supplies used for the companion animal. In one embodiment, the information processing device 110 may calculate the conscientiousness of the owner based on the maintenance information and the purchase information of supplies used for the companion animal.

[0067] For example, the information processing device 110 may generate an index related to purchase frequency or purchase amount based on the purchase information. The information processing device 110 may calculate the owner's conscientiousness as higher as the index related to purchase frequency or purchase amount increases. Conversely, the information processing device 110 may calculate the owner's conscientiousness as lower as the index related to purchase frequency or purchase amount decreases.

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

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

[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 level of the companion animal according to the generated index.

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

[0072] Although steps 250 and 260 are described herein as sequential steps, 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 the 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 above-described method for calculating insurance rates 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 may be embodied in the form of a computer program stored in a computer-readable recording medium that is executed by a computer or a recording medium containing instructions executable by a computer. Furthermore, the above-described method for calculating insurance rates 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 may be embodied in the form of a computer program stored in a computer-readable recording medium that is executed by a computer.

[0076] A computer-readable recording medium may be any available medium that can be accessed by a computer, including both volatile and nonvolatile media, and both detachable and non-detachable media. A computer-readable recording medium may also include a computer storage medium, including both volatile and nonvolatile, detachable and non-detachable 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 embodied in processing circuitry, including general-purpose processors, application-specific processors, integrated circuits, ASICs (Application Specific Integrated Circuits), CPUs (Central Processing Units), circuits, and / or combinations thereof, programmed to perform the described functionality. A processor includes transistors and other circuitry and is considered a circuit or processing circuit. A processor may also 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 performs the described functions, which may be any hardware disclosed in the present specification or any hardware known to be programmed to realize or perform the described functions.

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

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

[0081] The scope of the present disclosure is indicated by the claims that follow rather than by the above detailed description, and all modifications and variations that fall within the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present disclosure.

Claims

1. A system for calculating insurance rates for companion animals using at least one Internet of Things device used in the lives of companion animals, 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 level of the companion animal based on the usage information; a calculation unit configured to calculate an insurance rate for the companion animal based on the honesty of the owner and the health of the companion animal, A system for calculating insurance rates for companion animals.

2. a first server configured to store basic information about 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 about the companion animal and the input information from the first server; The calculation unit is configured to calculate the honesty of the owner further based on the collected input information. The system for calculating insurance rates for companion animals according to claim 1.

3. a second server configured to store purchasing information for supplies 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 1.

4. 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 1.

5. A computer program stored on a computer-readable recording medium, the computer program comprising a sequence of instructions for calculating an insurance rate for a companion animal using at least one Internet of Things device 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 the 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 calculating 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.

Images