Method for determining insurance premiums for insurance products and electronic device for performing the same

Abstract

A method for determining an insurance premium for an insurance product performed by an electronic device is disclosed, comprising the steps of: receiving a request for confirmation of an insurance premium for a first customer from a sales agent terminal; obtaining information related to the first customer based on the request for confirmation of an insurance premium; obtaining at least one estimated insurance premium based on at least one insurance premium prediction table set corresponding to at least one insurance company; if information of the sales agent exists on a first insurance company server corresponding to the first insurance company among at least one insurance companies, comparing at least one estimated insurance premium with a first calculated insurance premium obtained based on a first insurance premium calculation table used by the first insurance company; and determining the final insurance premium of the first customer based on the result of the comparison. An electronic device performing the same is disclosed.

Description

Technology Field

[0001] The present disclosure relates to a method for determining the premium of an insurance product performed by an electronic device and an electronic device for performing the same. Background Technology

[0002] An insurance system refers to a mechanism in which modern individuals, facing the risk of accidental occurrences, contribute an amount calculated according to certain standards in advance to accumulate common property in order to meet the economic needs arising from such accidents, and provide a fixed benefit from this common property in the event of an accident. Generally, the insurance subscription process has been carried out in a manner where an insurance solicitor or planner consults with a prospective customer to propose a suitable insurance product based on the customer's needs and circumstances, and completes the subscription after the customer consents to the finalized plan for a specific insurance product.

[0003] In this type of insurance processing procedure, when an insurance agent—who meets face-to-face with a customer wishing to purchase an insurance product to handle the overall design—requests comparative quotes based on the customer's basic information, a practitioner requests the data necessary for premium calculation from non-life insurance companies offering the products and the Korea Insurance Development Institute (KIDI), which holds insurance-related information. By providing this information to both the agent and the customer, the practitioner can assist the customer throughout the entire process of finalizing the insurance purchase. Meanwhile, various attempts are underway to prevent the unnecessary exposure of a customer's personal information to a large number of people by having agents and practitioners perform different roles during the customer's insurance purchase process, and to enable agents who interact directly with customers to provide more convenient and reliable insurance services. The problem to be solved

[0004] The present disclosure aims to provide an electronic device and a method for providing maximum accuracy and reliability in the process of providing a customer with an insurance comparison design process through the calculation and determination of insurance premiums, which are essential in the process of subscribing to insurance products.

[0005] Specifically, the present disclosure aims to provide an automatic premium determination program to minimize discrepancies in customer-related information and errors in estimated premiums caused by premium calculation policies operated by actual non-life insurance companies, which occur during the manual input process of customer-related information involved in calculating insurance premiums when a customer subscribes to an insurance product through an insurance agent.

[0006] The technical problems to be solved by the present disclosure are not limited to those described above, and other technical problems can be inferred from the following embodiments. means of solving the problem

[0007] A method for determining an insurance premium for an insurance product performed by an electronic device according to one embodiment may include: receiving a request for insurance premium verification for a first customer from a design agent terminal; obtaining information related to the first customer based on the insurance premium verification request; obtaining at least one estimated insurance premium based on at least one insurance premium prediction table set corresponding to at least one insurance company; if information of the design agent exists on a first insurance company server corresponding to the first insurance company among the at least one insurance companies, comparing the at least one estimated insurance premium with a first calculated insurance premium obtained based on a first insurance premium calculation table used by the first insurance company; and determining the final insurance premium of the first customer based on the result of the comparison.

[0008] The above comparison step may include: transmitting information regarding insurance design conditions among the information related to the first customer to the first insurance company server; receiving the first calculated premium obtained based on the insurance design conditions information and the at least one premium estimate table; and comparing the first calculated premium with the at least one estimated premium.

[0009] The above determining step may include the step of determining the at least one estimated premium as the first customer's final premium when the difference between the at least one estimated premium and the first calculated premium is less than or equal to a threshold amount.

[0010] The above threshold amount may be determined inversely proportional to the number of at least one calculated premiums received from at least one insurance company server corresponding to the at least one insurance company.

[0011] The above comparison step may include, when the information of the designer does not exist on the first insurance company server, a step of comparing a second calculated premium obtained based on a second premium calculation table used on a second insurance company server corresponding to a second insurance company where the information of the designer exists with the at least one estimated premium.

[0012] The method for determining the insurance premium may further include the step of determining one of the at least one calculated insurance premiums as the final insurance premium of the first customer when receiving at least one calculated insurance premium from all of the at least one insurance companies.

[0013] The above determining step may include determining the lowest amount of the premium among the at least one calculated premium as the final premium of the first customer.

[0014] The method for determining the insurance premium may further include the step of providing an insurance subscription interface of a server corresponding to an insurance company corresponding to the insurance premium determined as the final insurance premium of the first customer after the determination of the final insurance premium of the first customer.

[0015] The above-determining step may include: a step of obtaining a changed estimated premium by changing at least one of the information related to the first customer and the premium estimate table when the difference between the at least one estimated premium and the first calculated premium exceeds a threshold amount; and a step of determining the changed estimated premium as the first customer's final premium when the difference between the changed estimated premium and the at least one first calculated premium is less than or equal to a threshold amount.

[0016] The step of obtaining at least one estimated insurance premium may include, if the information of the designer does not exist in the central insurance information server, the step of providing an interface regarding subscription to the central insurance information server.

[0017] The above-mentioned determining step includes the step of determining the insurance premium of a second customer corresponding to the first customer as the final insurance premium of the first customer, and the second customer may be a customer having at least one of the information related to the first customer that is related to the second customer.

[0018] The method for determining the insurance premium may further include the step of providing a guidance interface regarding the first customer's final insurance premium to the first customer's terminal used by the first customer after the determination of the first customer's final insurance premium.

[0019] The information related to the first customer may include information on insurance design conditions related to the conditions of the insurance product that the first customer has already subscribed to.

[0020] Among the information related to the first customer, the basic information of the first customer may include the name, resident registration number, contact information, and vehicle number used by the first customer received from servers corresponding to at least one insurance company.

[0021] Among the information related to the first customer, the vehicle information of the first customer and the vehicle rate information of the first customer may be received through the first insurance company server.

[0022] An electronic device for performing a method for determining an insurance premium of an insurance product according to one embodiment includes a memory for storing instructions; and a processor connected to said memory, wherein the processor may be configured to receive a request for confirmation of an insurance premium for a first customer from a designer terminal, obtain information related to said first customer based on said request for confirmation of an insurance premium, obtain at least one estimated insurance premium based on at least one insurance premium prediction table set corresponding to at least one insurance company, and if information of said designer exists in a first insurance company server corresponding to the first insurance company among said at least one insurance company, compare said at least one estimated insurance premium with a first calculated insurance premium obtained based on a first insurance premium calculation table used by said first insurance company, and determine the final insurance premium of said first customer based on the result of said comparison.

[0023] Specific details of other embodiments are included in the detailed description and drawings. Effects of the invention

[0024] According to the electronic device and method for determining the premium of an insurance product according to the present disclosure, an optimized system can be provided that can determine a customer's final premium based on various information necessary for determining the premium from an external source through a customer premium verification request from an insurance agent.

[0025] The effects of the present disclosure are not limited to those described above, and other unmentioned effects will be clearly understood by a person skilled in the art from the description in the claims. Brief explanation of the drawing

[0026] FIG. 1 is a diagram illustrating the interlocking relationship of an electronic device for determining the premium of an insurance product according to one embodiment. FIG. 2 is a flowchart illustrating a method for determining the premium of an insurance product according to one embodiment. FIG. 3 is a flowchart for explaining a method of determining an insurance premium through an insurance company server where information about a planner exists in a method of determining an insurance premium of an insurance product according to one embodiment. FIG. 4 is a flowchart for explaining a method of determining an insurance premium according to a plurality of insurance company servers in a method of determining an insurance premium of an insurance product according to one embodiment. FIG. 5 is a flowchart illustrating a method for determining an insurance premium by comparing an expected premium and an actual premium in a method for determining an insurance premium of an insurance product according to one embodiment. FIG. 6 is a diagram for explaining basic information of a first customer among information related to a first customer according to one embodiment. FIG. 7 is a drawing for explaining the vehicle information of the first customer among the information related to the first customer according to one embodiment. FIG. 8 is a diagram for explaining the vehicle rate information of the first customer among the information related to the first customer according to one embodiment. FIGS. 9a and 9b are drawings for explaining insurance design general condition information among information related to a first customer according to one embodiment. FIG. 10 is a diagram illustrating at least one expected insurance premium according to one embodiment. FIG. 11 is a block diagram illustrating the structure of an electronic device for performing a method to determine the premium of an insurance product according to one embodiment. Specific details for implementing the invention

[0027] The terms used in the embodiments have been selected to be as widely used as possible, taking into account their functions in the present disclosure; however, these may vary depending on the intent of those skilled in the art, case law, the emergence of new technologies, etc. Additionally, in specific cases, terms have been arbitrarily selected by the applicant, and in such cases, their meanings will be described in detail in the relevant explanatory section. Therefore, terms used in the present disclosure should be defined not merely by their names, but based on their meanings and the overall content of the present disclosure.

[0028] When a part of a specification is described as “comprising” a certain component, this means that, unless specifically stated otherwise, it does not exclude other components but may include additional components. Furthermore, terms such as “...part” or “...module” as used in the specification refer to a unit that processes at least one function or operation, and this may be implemented in hardware or software, or as a combination of hardware and software.

[0029] The expression “at least one of a, b, and c” described throughout the specification may include ‘a alone’, ‘b alone’, ‘c alone’, ‘a and b’, ‘a and c’, ‘b and c’, or ‘a, b, and c all’.

[0030] The "terminal" mentioned below may be implemented as a computer or portable terminal capable of connecting to an electronic device or another terminal via a network. Here, the computer includes, for example, a notebook, desktop, laptop, etc. equipped with a web browser, and the portable terminal may include, for example, a wireless communication device that ensures portability and mobility, and may include all kinds of handheld-based wireless communication devices such as communication-based terminals such as IMT (International Mobile Telecommunication), CDMA (Code Division Multiple Access), W-CDMA (W-Code Division Multiple Access), LTE (Long Term Evolution), smartphones, tablet PCs, etc.

[0031] Embodiments of the present disclosure are described below with reference to the attached drawings so that those skilled in the art can easily implement them. However, the present disclosure may be embodied in various different forms and is not limited to the embodiments described herein.

[0032] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the attached drawings.

[0033] In describing the embodiments, technical details that are well known in the art to which this disclosure pertains and are not directly related to this disclosure are omitted. This is intended to convey the essence of this disclosure more clearly without obscuring it by omitting unnecessary descriptions. For the same reason, some components in the accompanying drawings are exaggerated, omitted, or schematically depicted. Furthermore, the size of each component does not entirely reflect its actual size. Identical or corresponding components in each drawing are given the same reference numerals. The advantages and features of this disclosure, and the methods for achieving them, will become clear by referring to the embodiments described below in detail together with the accompanying drawings. However, this disclosure is not limited to the embodiments below but may be implemented in various different forms; these embodiments are provided merely to ensure that this disclosure is complete and to fully inform those skilled in the art of the scope of the invention, and this disclosure is defined only by the scope of the claims. Throughout the specification, the same reference numerals refer to the same components.

[0034] At this time, it will be understood that each block of the process flow diagrams and combinations of the flow diagrams can be executed by computer program instructions. Since these computer program instructions can be loaded into the control unit of a general-purpose computer, a special-purpose computer, or other programmable data processing equipment, the instructions executed through the control unit of the computer or other programmable data processing equipment create means to perform the functions described in the flow diagram block(s). Since these computer program instructions can also be stored in computer-accessible or computer-readable storage that can be directed toward the computer or other programmable data processing equipment to implement functions in a specific way, the instructions stored in such computer-accessible or computer-readable storage can also produce a manufactured item containing means of instruction to perform the functions described in the flow diagram block(s). Since computer program instructions can also be loaded onto a computer or other programmable data processing equipment, the instructions that execute the computer or other programmable data processing equipment by creating a process that is executed by a computer through a series of operation steps performed on the computer or other programmable data processing equipment can also provide steps for executing the functions described in the flow diagram block(s).

[0035] Additionally, each block may represent a module, segment, or part of code containing one or more executable instructions for executing a specific logical function(s). It should also be noted that in some alternative execution examples, the functions mentioned in the blocks may occur out of order. For instance, two blocks described in succession may actually be executed substantially simultaneously, or the blocks may be executed in reverse order according to their corresponding functions.

[0036] FIG. 1 is a diagram illustrating the interlocking relationship of an electronic device for determining the premium of an insurance product according to one embodiment.

[0037] Referring to FIG. 1, a system for providing a method for determining the premium of an insurance product according to one embodiment may include an electronic device (100), at least one insurance company server (200) that receives customer vehicle information and vehicle rate information from a central insurance information server (300) and calculates the customer's premium according to various customer information, a central insurance information server (300) that provides customer vehicle information and vehicle rate information to at least one insurance company server (200), a planner terminal (400) used by a planner who conducts consultation regarding the subscription of an insurance product to a customer, and a customer terminal (500) used by a customer who wishes to subscribe to an insurance product. Communication between the electronic device (100), the insurance company server (200), the central insurance information server (300), the planner terminal (400), and the customer terminal (500) may be performed through a network (150).

[0038] An electronic device (100) according to one embodiment can provide an insurance premium determined based on various customer information and an insurance premium prediction table. An electronic device (100) according to one embodiment can receive a customer's request to confirm the insurance premium from a consultant terminal (400) used by a consultant who consults with a customer who wishes to subscribe to an insurance product, and can perform an insurance premium determination process as described below.

[0039] According to one embodiment, at least one insurance company server (200) may correspond to a server corresponding to at least one individual non-life insurance company. At least one insurance company server (200) may include an insurance company server corresponding to an insurance company that has entered into a prior contract with a platform related to a method for determining insurance premiums provided by the electronic device (100). For example, at least one insurance company server (200) may calculate an insurance premium according to an estimated premium table determined for each non-life insurance company using customer vehicle information and customer vehicle rate information included in customer-related information received from the central insurance information server (300), and transmit it to the electronic device (100). Depending on whether a prior contract has been concluded with a platform related to the method of determining the insurance premium provided by the electronic device (100), some of the individual non-life insurers may not transmit the calculated insurance premium to the electronic device (100) based on the insurance premium calculation table used by the insurers, but the embodiment according to the present disclosure is not limited to any specific case, and it is assumed that all insurers that transmit the calculated insurance premium to the electronic device (100) below are insurers that have entered into a prior contract.

[0040] A central insurance information server (300) according to one embodiment may correspond to a server corresponding to an institution that manages central data related to the insurance industry (e.g., an insurance development institute). For example, if the central insurance information server (300) has information about an insurance agent using an insurance agent terminal (400) (e.g., the agent's insurance development institute membership information), it may transmit various information about a first customer to an insurance company server (200) based on a request from at least one insurance company server (200).

[0041] According to one embodiment, the agent terminal (400) may be a terminal used by an agent who directly meets or communicates with a customer who wishes to subscribe to an insurance product. For example, the agent may perform the role of initiating the process of calculating and comparing insurance premiums for an insurance product through the agent terminal (400), verifying the final result, and providing guidance to the customer. For example, the insurance product may correspond to an insurance product that provides services regarding automobile insurance to the customer based on various information about the customer. The agent may receive information regarding insurance premiums for the insurance product from the electronic device (100) through the agent terminal (400) and use it to proceed with the customer's subscription to the insurance product.

[0042] A customer terminal (500) according to one embodiment may correspond to a terminal used by a customer who wishes to subscribe to an insurance product and is consulting on insurance subscription through a designer. Through the customer terminal (500), the customer may receive information regarding the final insurance premium provided by the electronic device (100) and a specific non-life insurance company for subscribing to the insurance product at the said final insurance premium.

[0043] A network (150) according to one embodiment may include at least one network among a Personal Area Network (PAN), a Local Area Network (LAN), a Campus Area Network (CAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a Broad Band Network (BBN), and the Internet. Additionally, the network may include at least one network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree network, or a hierarchical network. In the embodiments of the present disclosure, the communication method performed is not limited to the types of networks described above, and may include not only a communication method utilizing a communication network that the network may include, but also short-range wireless communication between devices.

[0044] Each of the electronic device (100), insurer server (200), central insurance information server (300), agent terminal (400), and customer terminal (500) according to one embodiment may include a transceiver, memory, and a processor. Additionally, each of the electronic device (100), insurer server (200), central insurance information server (300), agent terminal (400), and customer terminal (500) represents a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software. In an embodiment, each of the electronic device (100), insurer server (200), central insurance information server (300), agent terminal (400), and customer terminal (500) may include a plurality of computer systems or computer software implemented as network electronic devices. For example, the electronic device (100), the insurer server (200), the central insurance information server (300), the planner terminal (400), and the customer terminal (500) each may refer to a computer system and computer software that are connected to a sub-device capable of communicating with other network electronic devices through a computer network such as an intranet or the internet, receive a request to perform a task, perform the task, and provide the result of the task.

[0045] In addition, each of the electronic device (100), insurance company server (200), central insurance information server (300), designer terminal (400), and customer terminal (500) can be understood as a broad concept including a series of applications that can operate on the network electronic device and various databases built inside. For example, each of the electronic device (100), insurance company server (200), central insurance information server (300), designer terminal (400), and customer terminal (500) can be implemented using network electronic device programs provided in various ways depending on the operating system such as DOS, Windows, Linux, Unix, or MacOS.

[0046] FIG. 2 is a flowchart illustrating a method for determining the premium of an insurance product according to one embodiment.

[0047] Referring to FIG. 2, an electronic device (100) according to one embodiment may receive a request for insurance premium verification from a first customer in step S210. The electronic device (100) may provide an interface regarding the first customer's request for insurance premium verification to a planner terminal (400) and receive basic information of the first customer among information related to the first customer through the interface regarding the first customer's request for insurance premium verification. The electronic device (100) may also receive basic information for identifying a customer from one of at least one insurance company server (200), and may protect the customer's personal information and reduce the workload of the planner by allowing the planner to input only the minimum amount of the customer's personal information. The basic information of the first customer is examined in more detail below in FIG. 6.

[0048] An electronic device (100) according to one embodiment may obtain information related to a first customer based on a request for insurance premium verification in step S220. For example, the information related to the first customer may include the first customer's basic information. The first customer's basic information may include the first customer's name, resident registration number, contact information, and the number of the vehicle used by the first customer. The electronic device (100) may obtain the first customer's basic information based on input from the designer terminal (400). The electronic device (100) may obtain the first customer's basic information that has been stored from an insurance company server corresponding to at least one insurance company.

[0049] For example, information related to the first customer may include the first customer's vehicle information and the first customer's vehicle rate information when subscribing to an insurance product. The first customer's vehicle information may correspond to standardized information that includes identifiable basic information of the first customer's vehicle. The first customer's vehicle rate information may correspond to standardized information that includes a standardized grade or index for evaluating the risk of the vehicle itself, which can be commonly utilized by each of the insurance company servers in the process of calculating insurance premiums through at least one insurance company server. The first customer's vehicle information and the first customer's vehicle rate information, respectively, will be examined in more detail below in FIGS. 7 and FIGS. 8.

[0050] An electronic device (100) according to one embodiment can obtain at least one estimated insurance premium based on at least one insurance premium estimation table set corresponding to at least one insurance company in step S230. The at least one insurance premium estimation table set corresponding to at least one insurance company may be a table organized to estimate insurance premiums for multiple insurance companies by reflecting all basic information included in information related to the first customer, the first customer's vehicle information, the first customer's vehicle rate information, and information on various conditions of insurance design (e.g., coverage configuration, coverage amount, driver scope, special clauses, etc.). At least one estimated insurance premium may include multiple insurance premiums expected corresponding to each of at least one insurance company under the same conditions.

[0051] According to one embodiment, if information of a designer exists in a first insurer server corresponding to a first insurer among at least one insurer in step S240, the electronic device (100) can compare at least one estimated premium with a first calculated premium obtained based on an estimated premium calculation table used by the first insurer. For example, the designer's information may include the designer's code for a non-life insurance company. For example, the first insurer server may correspond to an insurer server corresponding to an insurer that has entered into a prior contract with a platform related to the method of determining the premium provided by the electronic device (100) among at least one insurer server.

[0052] For example, the electronic device (100) can receive the first customer's vehicle information and the first customer's vehicle rate information from the insurance company server (200) after the insurance company server (200) transmits the first customer's basic information to the central insurance information server (300) and the central insurance information server (300) transmits the first customer's vehicle information and the first customer's vehicle rate information to the insurance company server (200).

[0053] The electronic device (100) can transmit information regarding the insurance design conditions among the information related to the first customer to the first insurance company server. The first insurance company server can transmit to the electronic device (100) the first calculated insurance premium obtained based on the insurance design conditions of the first customer received from the electronic device (100), the first customer's basic information, the first customer's vehicle information, the first customer's vehicle rate information, and the first insurance premium calculation table used by the first insurance company. In other words, the electronic device (100) transmits the insurance design conditions of the first customer to the first insurance company server so that the first insurance company server can obtain the first calculated insurance premium, and can compare the first calculated insurance premium with the estimated insurance premium corresponding to the first insurance company among at least one estimated insurance premium expected according to the same insurance design conditions of the first customer.

[0054] The electronic device (100) can perform the above process through the second insurance company server corresponding to the second insurance company where the designer's information exists, if the designer's information does not exist in the first insurance company server corresponding to the first insurance company among at least one insurance company, and this is examined in detail below in FIG. 3.

[0055] Additionally, if the information of the designer does not exist in the central insurance information server, the electronic device (100) may provide an interface regarding the subscription to the central insurance information server to the designer terminal (400). If the designer subscribes to the central insurance information server through the provided interface regarding the subscription to the central insurance information server and the designer's information becomes present in the central insurance information server, the electronic device (100) can obtain the vehicle information of the first customer and the vehicle rate information of the first customer through the process described above. The electronic device (100) can obtain the vehicle information of the first customer and the vehicle rate information of the first customer, which are used to obtain at least one estimated insurance premium, through the above process, whether the information of the designer exists in the central insurance information server (300) or not.

[0056] An electronic device (100) according to one embodiment may determine the final insurance premium of a first customer based on the result of a comparison in step S250. The electronic device (100) may determine the final insurance premium of a first customer based on the result of comparing at least one estimated insurance premium obtained based on an insurance premium estimate table with a first calculated insurance premium received from an insurance company server corresponding to an insurance company that has entered into a prior contract with a platform related to the method of determining insurance premiums provided by the electronic device (100), and may provide a guidance interface for the insurance premium of the first customer to the first customer terminal used by the first customer, which is examined in more detail below in FIG. 5.

[0057] In one embodiment, the electronic device (100) may determine the premium of a second customer corresponding to a first customer as the final premium of the first customer in step S250. The electronic device (100) may determine a second customer corresponding to at least one of the information related to the first customer (e.g., date of birth information included in basic information, vehicle information, vehicle rate information, and general insurance design condition information). The second customer may include customers who are similar to the first customer in at least one of the date of birth information, vehicle information, vehicle rate information, and general insurance design condition information. The electronic device (100) may provide the premium of the second customer to the designer terminal (400) or customer terminal (500) and induce the first customer to determine the final premium of the second customer as the premium by providing guidance on the premium of a customer similar to the first customer.

[0058] FIG. 3 is a flowchart for explaining a method of determining an insurance premium through an insurance company server where information about a planner exists in a method of determining an insurance premium of an insurance product according to one embodiment.

[0059] Referring to FIG. 3, an electronic device (100) according to one embodiment can compare a second calculated premium obtained based on a second premium calculation table used in a second server corresponding to a second insurance company where the designer's information exists, when the designer's information does not exist in the first insurance company server in step S310, with an expected premium.

[0060] For example, the first insurance company server and the second insurance company server included in at least one insurance company server (200) may both correspond to servers corresponding to the first and second insurance companies, respectively, that have entered into a prior contract with the platform related to the method of determining the insurance premium provided by the electronic device (100). In other words, the electronic device (100) can obtain the vehicle information of the first customer and the vehicle rate information of the first customer among the information related to the first customer based on whether agent information exists in the insurance company server corresponding to the insurance company that has entered into a prior contract. The electronic device (100) can transmit the basic information of the first customer to the central insurance information server (300) among the at least one insurance company server (200) and determine the insurance company server to receive the vehicle information of the first customer and the vehicle rate information of the first customer from the central insurance information server (300). Through this process, the electronic device (100) can compare a second calculated premium obtained based on a specific premium estimate table used by the insurance company server with at least one estimated premium, even if the information of a specific designer does not exist in the specific insurance company server (e.g., first insurance company server), through another insurance company server (e.g., second insurance company server) where the information of the specific designer exists.

[0061] FIG. 4 is a flowchart for explaining a method of determining an insurance premium according to a plurality of insurance company servers in a method of determining an insurance premium of an insurance product according to one embodiment.

[0062] Referring to FIG. 4, in step S410, when an electronic device (100) according to one embodiment receives first calculated premiums obtained from all at least one insurer server based on a premium estimate table used by each of at least one insurer server, it may determine one of a plurality of first calculated premiums as the customer's final premium. For example, all insurer servers included in at least one insurer server (200) may correspond to servers used by each of the insurers that have entered into a prior contract with the platform related to the method of determining premiums provided by the electronic device (100).

[0063] As previously described, the electronic device (100) can enable all insurance company servers (200) to transmit the basic information of the first customer to the central insurance information server (300) and to receive the first customer's vehicle information and the first customer's vehicle rate information from the central insurance information server (300). For example, if all non-life insurance companies providing insurance products have entered into a prior contract with a platform related to the method of determining insurance premiums provided by the electronic device (100), the electronic device (100) can transmit information regarding the general conditions of insurance design among the information related to the first customer to all at least one insurance company server (200) and receive multiple first calculated insurance premiums obtained based on an insurance premium prediction table used by each of the at least one insurance company server (200). Subsequently, the electronic device (100) can determine the lowest amount of insurance premium among the multiple first calculated insurance premiums as the first customer's final insurance premium. Through this, the electronic device (100) can verify the amount of all first calculated insurance premiums required to provide actual insurance services from multiple insurance company servers when the information regarding the first customer and the insurance design conditions are maintained identically, and enable the planner to provide the optimal insurance product to the customer.

[0064] An electronic device (100) according to one embodiment may provide an insurance subscription interface of an insurance company server corresponding to the insurance premium determined as the customer's final premium in step S420. For example, the electronic device (100) may send a request for token issuance to a specific insurance company that provides an insurance product based on the determined customer's insurance premium. The specific insurance company server may verify the validity of the request, map and store the token with the insurance product based on the determined customer's insurance premium, and then provide the insurance subscription interface of the specific insurance company server. In this way, the electronic device (100) can significantly improve the user experience (UX) and enable accurate and efficient insurance subscription by allowing the agent and the customer to determine the insurance company to receive services for the insurance product through a token-based linkage method and then immediately proceed to the subscription process of the relevant insurance company without a separate login or re-entry of information, thereby reducing the possibility of data input errors.

[0065] FIG. 5 is a flowchart illustrating a method for determining an insurance premium by comparing an expected premium and an actual premium in a method for determining an insurance premium of an insurance product according to one embodiment.

[0066] Referring to FIG. 5, an electronic device (100) according to one embodiment can determine in step S505 whether the difference between the estimated premium and the calculated premium is less than or equal to a threshold amount. For example, the threshold amount may be determined inversely proportional to the number of at least one calculated premium received from at least one insurance company server corresponding to at least one insurance company. In other words, as the number of insurance companies that have entered into a prior contract with the platform related to the method of determining the premium provided by the electronic device (100) increases, the number of at least one calculated premium received from the corresponding at least one insurance company server increases, thereby determining the amount of the threshold amount lower to minimize the difference between the estimated premium and the calculated premium, and thus more precisely determining the customer's final premium.

[0067] According to one embodiment, if the difference between the estimated premium and the calculated premium is determined to be less than or equal to a threshold amount in step S505, the electronic device (100) may determine the estimated premium as the final premium of the first customer in step S510. The electronic device (100) may determine the estimated premium initially calculated as the final premium of the customer (first customer) if the difference between at least one estimated premium obtained based on an insurance premium estimate table according to the same insurance design general condition information of the same customer and the calculated premium obtained based on an insurance premium calculation table used by the actual insurance company is within an allowable error range (e.g., within a threshold amount of 1,000 won).

[0068] According to one embodiment, if the difference between the estimated premium and the calculated premium is determined to exceed a threshold amount in step S505, the electronic device (100) may obtain a changed estimated premium by changing at least one of the information related to the first customer and the premium estimate table in step S520. For example, if the premium calculation table of the insurer that transmits the calculated premium and the premium estimate table from which the electronic device obtains the estimated premium are different from each other, the difference between the calculated premium and the estimated premium calculated based on the insurance design general condition information included in the information related to the same first customer may exceed a threshold amount. The electronic device (100) may provide a notification to the designer terminal (400) to change the insurance design general condition information included in the information related to the first customer, and may obtain a changed estimated premium according to the changed insurance design general condition information. In addition, the electronic device (100) may obtain a changed estimated premium calculated according to the same insurance design general condition information by changing the premium estimate table. For example, the electronic device (100)

[0069] You can change the internal rate table and discount rates within the premium estimate table.

[0070] According to one embodiment, the electronic device (100) can determine the changed estimated premium as the final premium of the first customer if the difference between the changed estimated premium and at least one calculated premium in step S530 is less than or equal to a threshold amount.

[0071] FIG. 6 is a diagram for explaining basic information of a first customer among information related to a first customer according to one embodiment.

[0072] Referring to FIG. 6, an electronic device (100) according to one embodiment may provide a first customer's basic information input interface (601) to a designer terminal (500). The electronic device (100) may receive the first customer's basic information directly from the designer by providing the first customer's basic information input interface (601), and may also display the first customer's basic information stored in servers corresponding to at least one insurance company on the first customer's basic information input interface (601). For example, among the information related to the first customer, the first customer's basic information may include the first customer's name, the first customer's resident registration number, the first customer's contact information, and the first customer's vehicle number. For example, the first customer's basic information may further include the first customer's vehicle number information, the first customer's vehicle classification information, the first customer's insurance period information, and the first customer's previous contract information.

[0073] For example, the vehicle number information of the first customer may be information used to identify the first customer's vehicle information (vehicle type, year of manufacture, vehicle value, vehicle model grade, etc.) through a lookup of the central insurance information server (300), and to retrieve the vehicle rate information of the vehicle.

[0074] For example, the vehicle classification information of the first customer may include information regarding the condition of the vehicle (e.g., whether it is a new or used car), the purpose of the vehicle (e.g., commercial use), the type (e.g., motorcycle), and whether the customer proceeding with the insurance product related to the vehicle is extending an existing insurance contract rather than newly subscribing to the insurance product.

[0075] For example, the insurance period information of the first customer may include information about the period covered by the insurance contract through the insurance product, and the insurance period information may include information about the period set in one-year increments starting from the date of a specific insurance subscription.

[0076] For example, the first customer's previous contract information may include information about the insurance company with which the first customer had previously signed the insurance contract, based on the first customer's vehicle classification information, when the first customer requests a renewal of the automobile insurance product through the same vehicle. The electronic device (100) may receive basic information for identifying the customer directly from the designer as described above, or receive it from at least one of the insurance company servers (200).

[0077] FIG. 7 is a drawing for explaining the vehicle information of the first customer among the information related to the first customer according to one embodiment.

[0078] Referring to FIG. 7, an electronic device (100) according to one embodiment can provide a first customer's vehicle information lookup interface (701) to a designer terminal (500).

[0079] For example, the vehicle information of the first customer may include owner matching information regarding whether the owner and the vehicle match according to the vehicle number information of the first customer included in the basic information of the first customer examined earlier. For example, the vehicle information of the first customer may include information regarding the vehicle number, model code, model year, vehicle registration date, vehicle class, vehicle displacement, seating capacity, vehicle load capacity, fuel type, high repair cost grade, vehicle type, manufacturer, model name, sub-name, additional parts, and vehicle and parts value of the vehicle used by the first customer. The customer's vehicle information may be information obtained by at least one insurance company server (200) through the central insurance information server (300), and the electronic device (100) may output and provide the customer's vehicle information obtained from at least one insurance company server (200).

[0080] FIG. 8 is a diagram for explaining the vehicle rate information of the first customer among the information related to the first customer according to one embodiment.

[0081] Referring to FIG. 8, an electronic device (100) according to one embodiment may provide a first customer’s vehicle rate information inquiry interface (801) to a designer terminal (500). For example, the first customer’s vehicle rate information may include the first customer’s insurance period, subscription history, discount / surcharge, legal violations, number of legal violations, special surcharge, annual accident rate, annual accident score, vehicle subscription history, and number of vehicles owned. The customer’s vehicle rate information may be information obtained by at least one insurance company server (200) through a central insurance information server (300), and the electronic device (100) may output and provide the customer’s vehicle rate information obtained from at least one insurance company server (200).

[0082] FIGS. 9a and 9b are drawings for explaining insurance design general condition information among information related to a first customer according to one embodiment.

[0083] Referring to FIG. 9a, an electronic device (100) according to one embodiment can provide an input interface (901) for general conditions of insurance design for a first customer to a designer terminal (500).

[0084] For example, the information on the general conditions of the insurance design for the first customer may include condition information regarding the driver scope that limits the scope of drivers covered by insurance, and the driver age that limits the minimum driver age range covered by insurance.

[0085] For example, the information on the general conditions of the insurance plan for the first customer may include personal injury compensation conditions regarding mandatory liability coverage for injury or death to a third party and optional coverage for excess damage compensation, and property damage compensation conditions regarding coverage for damage to a third party's property.

[0086] For example, the information on the general conditions of the insurance plan for the first customer may include personal injury / self-injury information regarding coverage that compensates for bodily accidents involving the insured and their family, self-vehicle damage information regarding coverage that compensates for damage to the insured's own vehicle and the setting of the deductible therefrom, coverage amount information regarding the maximum limit of compensation that can be received under self-vehicle damage coverage, material surcharge information regarding the accident amount which serves as the standard for determining whether to increase the premium in the event of an accident, uninsured motorist injury information regarding coverage that compensates the insured in the event of an accident caused by an uninsured vehicle or a hit-and-run vehicle, and emergency dispatch information regarding special emergency service clauses provided at the scene in the event of a vehicle breakdown or accident.

[0087] For example, the information on the conditions of the insurance design for the first customer may include information on the youngest driver within the set driver range, information on the designated driver if the driver is limited to a specific person, and information on the spouse if the spouse is included in the driver range.

[0088] For example, the general conditions information for the insurance design of the first customer may include other general conditions information, such as information on special discount clauses that may be provided for safe driving in conjunction with navigation usage records, information on multiple vehicle discount clauses that may be applied when two or more vehicles are insured with the same insurance company, information on child discount clauses that may be applied when there are children of young age, information on fetus status regarding checking whether the insured or spouse is pregnant with a fetus, and information on the number of children regarding the number of children to check whether the conditions for applying special discount clauses are met.

[0089] As shown in FIG. 9b, the electronic device (100) can provide a recommendation interface (902) for the general conditions of the insurance design of the first customer. For example, if the electronic device (100) has information on the general conditions of the insurance design of the first customer that is related to the general conditions of the insurance product the first customer has already subscribed to, it can provide the information on the general conditions of the insurance design of the first customer that is related to the general conditions of the insurance product the first customer has already subscribed to to the planner terminal (500), and can obtain the information on the general conditions of the insurance design of the first customer without receiving a new input regarding the information on the general conditions of the insurance design of the first customer based on a selection input from the planner terminal (500).

[0090] The electronic device (100) receives input regarding the general conditions of an insurance design for a first customer, including such various information, from a designer terminal (500), and transmits it to at least one insurance company server (200) to obtain a calculated insurance premium based on the same general conditions of an insurance design and an insurance premium calculation table used by at least one insurance company, and can compare it with an expected insurance premium.

[0091] FIG. 10 is a drawing for illustrating at least one expected insurance premium according to one embodiment.

[0092] Referring to FIG. 10, an electronic device (100) according to one embodiment may provide at least one estimated premium interface (1001) to a designer terminal (500). The at least one estimated premium may include a plurality of estimated premiums obtained corresponding to each of at least one insurer (e.g., insurer AAA to insurer FFF) based on at least one premium estimate table set corresponding to at least one insurer. The electronic device (100) may obtain a plurality of estimated premiums corresponding to each of at least one insurer once the basic information of the first customer, the vehicle information of the first customer, the vehicle rate information of the first customer, and the general conditions information for the insurance design of the first customer are determined among the information related to the first customer described above.

[0093] For example, the electronic device (100) can transmit the obtained estimated insurance premium result as a message (LMS) to the planner terminal (400) and the customer terminal (500). For example, the electronic device (100) can save or print the estimated insurance premium result as a PDF file, and if an email address is entered, it can transmit it to the emails of the planner and the customer using the planner terminal (400) and the customer terminal (500).

[0094] For example, when the electronic device (100) receives a request to change the general conditions information of the insurance design from the designer terminal (400), it can obtain an estimated insurance premium recalculated based on the modified general conditions information of the insurance design. After the final insurance premium of the first customer is determined, the electronic device (100) can provide a guidance interface regarding the first customer's final insurance premium to the first customer terminal used by the first customer. The electronic device (100) can generate a guidance interface regarding the final insurance premium including the confirmed final insurance premium amount, the selected non-life insurer name, the insurance contract period, the main coverage details (coverage summary), the quote (or application) identification number, etc., and provide the guidance interface regarding the final insurance premium to the first customer terminal.

[0095] For example, the electronic device (100) can receive input from the planner terminal (400) regarding the selection of a specific non-life insurance company to proceed with insurance enrollment based on the determined final premium of the customer, and can receive input regarding attachment files (vehicle photos, black box photos, etc.) required for insurance enrollment screening. Subsequently, the electronic device (100) can provide information on the insurance company selected by the customer during the process of determining the customer's final premium, a memo requesting special details, attachment files, the calculated estimated premium, and general conditions for insurance design to the planner terminal (400) and the customer terminal (500). Subsequently, the electronic device (100) can provide other guidance interfaces for insurance enrollment to the planner terminal (400) and the customer terminal (500) to complete the insurance enrollment procedure through the process of verifying the application form and collecting the premium.

[0096] FIG. 11 is a block diagram illustrating the structure of an electronic device that provides an interface for subscribing to an insurance product according to one embodiment.

[0097] Referring to FIG. 11, an electronic device (100) for providing insurance design information according to one embodiment may include a processor (102) and a memory (101). The electronic device (100) illustrated in FIG. 11 is illustrated only with components related to the present embodiment. Therefore, it can be understood by those skilled in the art related to the present embodiment that other general-purpose components may be included in addition to the components illustrated in FIG. 11.

[0098] For example, an electronic device (100) may include a communication device (not shown) according to one embodiment. The communication device is a device for performing wired / wireless communication and can communicate with an external electronic device. The external electronic device may be a device or an electronic device. In addition, communication technologies used by the communication device may include GSM (global system for mobile communication), CDMA (code division multi access), LTE (long term evolution), 5G, WLAN (wireless LAN), Wi-Fi (wireless-fidelity), Bluetooth, RFID (radio frequency identification), infrared data association (IrDA), ZigBee, NFC (near field communication), etc. The electronic device (100) may be connected to at least one of an external terminal and an external device through the communication device and exchange data. For example, the electronic device (100) can be connected to at least one insurance company server (200), a central insurance information server (300), a designer terminal (400), and a customer terminal (500) through a network (150) via a communication unit.

[0099] The processor (102) can control the overall operation of the electronic device (100) and process data and signals. The processor (1550) may be composed of at least one hardware unit. Additionally, the processor (102) may operate by one or more software modules generated by executing one or more instructions stored in memory (101). The processor (102) may store information for performing at least one method described through FIGS. 1 to 10 above. Additionally, the processor (102) may control the electronic device (100) to execute a program and provide code information.

[0100] The memory (101) can store data that supports various functions of the electronic device (100). For example, the memory (101) can store various data. That is, the memory (101) may be hardware that stores various data processed within each of the electronic device (100), the insurance company server (200), the central insurance information server (300), the planner terminal (400), and the customer terminal (500). The memory (101) can store data processed and data to be processed in each of the electronic device (100), the insurance company server (200), the central insurance information server (300), the planner terminal (400), and the customer terminal (500). In addition, the memory (101) can store applications, drivers, etc. to be operated by each of the electronic device (100), the insurance company server (200), the central insurance information server (300), the planner terminal (400), and the customer terminal (500). The memory (101) may include RAM (random access memory), such as DRAM (dynamic random access memory) and SRAM (static random access memory), ROM (read-only memory), EEPROM (electrically erasable programmable read-only memory), CD-ROM, Blu-ray or other optical disc storage, HDD (hard disk drive), SSD (solid state drive), or flash memory.

[0101] The method for determining the premium of an insurance product of the present disclosure, performed by the electronic device (100) of FIG. 11, may also be implemented by a computer-readable, non-transient computer-readable storage medium (or non-transient recording medium) for the operation. The method may be implemented as a software module or algorithm and may be stored on a computer-readable recording medium as computer-readable code or program instructions executable on a processor (120). Here, computer-readable recording media include magnetic storage media (e.g., ROM (read-only memory), floppy disk, hard disk, etc.) and optical reading media (e.g., CD-ROM, DVD: Digital Versatile Disc). Computer-readable recording media may be distributed across networked computer systems, so that computer-readable code may be stored and executed in a distributed manner. The medium may be computer-readable, stored in memory (101), and executed on a processor (102).

[0102] Meanwhile, the present specification and drawings disclose preferred embodiments of the present disclosure. Although specific terms have been used, they are used merely in a general sense to facilitate the explanation of the technical content of the present disclosure and to aid in understanding the invention, and are not intended to limit the scope of the present disclosure. It is obvious to those skilled in the art that, in addition to the embodiments disclosed herein, other variations based on the technical concept of the present disclosure are possible.

[0103] The present embodiment may be represented by functional block configurations and various processing steps. These functional blocks may be implemented by various numbers of hardware and / or software configurations that execute specific functions. For example, the embodiment may employ direct circuit configurations such as storage, processing, logic, look-up tables, etc., which can execute various functions by the control of one or more microcontrollers or other control devices. Similar to how components may be implemented as software programming or software elements, the present embodiment may be implemented in programming or scripting languages ​​such as C, C++, Java, assembler, Python, etc., including various algorithms implemented as combinations of data structures, processes, routines, or other programming configurations. Functional aspects may be implemented as algorithms executed by one or more control units. Additionally, the present embodiment may employ prior art for electronic configuration, 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 aforementioned terms may include the meaning of a series of software processes (routines) in conjunction with a control unit, etc.

[0104] The aforementioned embodiments are merely examples, and other embodiments may be implemented within the scope of the claims set forth below.

Claims

Claim 1 A method for determining an insurance premium for an insurance product performed by an electronic device, comprising: receiving a request for confirmation of an insurance premium for a first customer from a design agent terminal; obtaining information related to the first customer based on the request for confirmation of an insurance premium; obtaining at least one estimated insurance premium based on information regarding general conditions of insurance design among the information related to the first customer and at least one insurance premium prediction table set corresponding to at least one insurance company; if information of the design agent exists on a first insurance company server corresponding to the first insurance company among the at least one insurance companies, receiving a first calculated insurance premium calculated from the first insurance company server based on the information regarding general conditions of insurance design and a first insurance premium calculation table used by the first insurance company; comparing the at least one estimated insurance premium with the first calculated insurance premium; and determining the final insurance premium of the first customer based on the result of the comparison. Claim 2 delete Claim 3 A method for determining an insurance premium according to claim 1, wherein the determining step comprises, when the difference between the at least one estimated insurance premium and the first calculated insurance premium is less than or equal to a threshold amount, determining the at least one estimated insurance premium as the final insurance premium of the first customer. Claim 4 A method for determining insurance premiums, wherein the threshold amount is determined inversely proportional to the number of at least one calculated insurance premiums received from at least one insurance company server corresponding to at least one insurance company in paragraph 3. Claim 5 A method for determining an insurance premium according to claim 1, wherein the comparing step comprises, when the information of the designer does not exist in the first insurance company server, comparing a second calculated insurance premium obtained based on a second insurance premium calculation table used in a second insurance company server corresponding to a second insurance company where the information of the designer exists with the at least one estimated insurance premium. Claim 6 A method for determining an insurance premium according to claim 1, wherein the method for determining the insurance premium further comprises the step of determining one of the at least one calculated insurance premiums as the final insurance premium of the first customer when receiving at least one calculated insurance premium from all of the at least one insurance companies. Claim 7 A method for determining an insurance premium according to claim 6, wherein the determining step comprises determining the lowest amount of the insurance premium among the at least one calculated insurance premium as the final insurance premium of the first customer. Claim 8 A method for determining an insurance premium according to claim 1, wherein the method for determining the insurance premium further comprises the step of providing an insurance subscription interface of a server corresponding to an insurance company corresponding to the insurance premium determined as the final insurance premium of the first customer after the determination of the final insurance premium of the first customer. Claim 9 A method for determining an insurance premium according to claim 1, wherein the determining step comprises: a step of obtaining a changed estimated insurance premium by changing at least one of the information related to the first customer and the insurance premium estimate table when the difference between the at least one estimated insurance premium and the first calculated insurance premium exceeds a threshold amount; and a step of determining the changed estimated insurance premium as the final insurance premium of the first customer when the difference between the changed estimated insurance premium and the at least one first calculated insurance premium is less than or equal to a threshold amount. Claim 10 A method for determining an insurance premium according to claim 1, wherein the step of obtaining at least one estimated insurance premium includes the step of providing an interface for subscribing to the central insurance information server when the information of the designer does not exist in the central insurance information server. Claim 11 A method for determining an insurance premium according to claim 1, wherein the determining step comprises the step of determining the insurance premium of a second customer corresponding to the first customer as the final insurance premium of the first customer, and wherein the second customer has at least one of the information related to the first customer, the information related to the second customer corresponding to the first customer. Claim 12 A method for determining an insurance premium according to claim 1, wherein the method for determining the insurance premium further comprises the step of providing a guidance interface regarding the first customer's final insurance premium to a first customer terminal used by the first customer after the determination of the first customer's final insurance premium. Claim 13 A method for determining insurance premiums, wherein, in paragraph 1, the information related to the first customer includes information on insurance design conditions related to the conditions of the insurance product the first customer has already subscribed to. Claim 14 A method for determining an insurance premium according to claim 1, wherein the basic information of the first customer among the information related to the first customer includes the name, resident registration number, contact information, and vehicle number used by the first customer received from servers corresponding to at least one insurance company. Claim 15 A method for determining insurance premiums according to claim 1, wherein among the information related to the first customer, the vehicle information of the first customer and the vehicle rate information of the first customer are received through the first insurance company server. Claim 16 A computer-readable, non-transient recording medium having a program for executing the method of any one of paragraphs 1 and 3 through 15 on an electronic device. Claim 17 An electronic device for performing a method of determining an insurance premium for an insurance product, comprising: a memory for storing instructions; and a processor connected to said memory, wherein the processor receives a request for confirmation of an insurance premium for a first customer from a design agent terminal, obtains information related to said first customer based on said insurance premium confirmation request, obtains at least one estimated insurance premium based on information regarding general conditions of insurance design among the information related to said first customer and at least one insurance premium prediction table set corresponding to at least one insurance company, and if information of said design agent exists in a first insurance company server corresponding to the first insurance company among said at least one insurance company, receives a first calculated insurance premium calculated based on the information regarding general conditions of insurance design and a first insurance premium calculation table used by said first insurance company from said first insurance company server, compares said at least one estimated insurance premium with said first calculated insurance premium, and performs an operation to determine the final insurance premium of said first customer based on the result of said comparison.

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