WO2018074901A1 - Method, server and system for providing group buying service for insurance product - Google Patents

Abstract

The present invention relates to a method, a server and a system for providing a group buying service for an insurance product, and more specifically, a method, a server, and a system for providing a group buying service for an insurance product, which enable recruiting of participants to an insurance product group and group buying of an insurance product at a predetermined discounted rate if the number of participants reaches a target number.

Description

Insurance product joint purchase service provision method, provision server and provision system

The present invention relates to a method for providing insurance product joint purchase service, a providing server, and a providing system. In particular, when a target number of people is met by recruiting participants of an insurance product group, an insurance product capable of joint purchase of an insurance product at a predetermined discount rate is applied. The present invention relates to a joint purchase service providing method, a providing server, and a providing system.

Insurance is a mutual assistance economic system that reduces the burden on individual victims by preparing for common property in advance for the loss of accidental accidents, and then paying it to those who have had an accident or disaster. There are various insurance products such as life insurance, non-life insurance and auto insurance.

Most of these insurance products are contracted through insurance companies or insurance companies. Recently, insurance contracts are widely used through internet websites. Regarding the premiums of insurance products, those who are engaged in a company or belonging to a group can receive insurance as a group, so they can enjoy reasonable insurance premiums, while paying unreasonable premiums when an individual has the same insurance. There was a problem to be done.

Recently, even if an insurance product buyer is an individual, an insurance product joint purchase method that can solve the above problems is known, but an insurance that can provide sufficient service to an insurance product buyer by staying at a simple offline joint purchase without a system or platform. The joint purchase of goods is required.

The present invention is to solve the above problems, the method of providing an insurance product joint purchase service, which provides a joint purchase of insurance products at a price applied to a predetermined discount rate if the target number of people recruiting participants in the insurance product group, providing server And to provide a providing system.

In the insurance product joint purchase service providing method according to an embodiment of the present invention, generating an insurance product group in the insurance product management unit according to the insurance product group creation request, the user according to the insurance product group participation request received from the user terminal Storing a user corresponding to a terminal as a participant of the insurance product group, comparing the number of participants in the insurance product group with a target number of the insurance product group, and the number of participants in the insurance product group And when the target number of persons is reached, the insurance product management unit activating the insurance product subscription link accessible to the participants of the insurance product group through the user terminal.

The insurance product group generation request may include insurance product information, target number information and discount rate information, and according to the insurance product group confirmation request received from the user terminal, the target number of participants and the number of participants corresponding to the insurance product group. And insurance discount rate information to the user terminal.

In addition, when the number of participants in the insurance product group does not reach the target number of the insurance product group, providing the insurance product group information through a predetermined social network service or website to induce participation in the insurance product group. It may further include.

The insurance product management unit may activate the insurance product subscription link when the number of participants in the insurance product group reaches a target number of insurance product groups at the end of the recruitment period of the insurance product group.

In addition, the insurance product management unit, if the number of participants of the insurance product group does not reach the target number of the insurance product group at the end of the recruitment period of the insurance product group, to the participants who participated in the insurance product group It is possible to provide points or provide information about a group of insurance products similar to a group of insurance products that have not reached the target headcount.

In addition, when the number of participants in the insurance product group exceeds the target number of the insurance product group, the method may further include applying an additional discount rate according to the excess number of people.

In addition, when receiving a request for notification of the desired discount rate from the user, if the number of participants of the insurance product group reaches the number of participants corresponding to the request for notification of the desired discount rate, a notification message is sent to the terminal of the user who sent the desired discount rate notification request. It may further comprise a step.

In addition, when the number of participants of the insurance product group reaches the number of people providing the additional options of the insurance product group, the insurance product management unit provides at least one additional option to the participants of the insurance product group, According to the additional option selected by the participants, at least one of the insurance product conditions and the discount rate corresponding to the insurance product group may be changed and applied to the participants of the insurance product group.

In addition, when the number of participants of the insurance product group reaches the target number of the insurance product group, the insurance product management unit may deduct the insurance product group participation point from the participants of the insurance product group.

In addition, the insurance product management unit may deduct the insurance product group participation point from the user participating in the insurance product group according to the insurance product group participation request.

The insurance product joint purchase service providing server according to an embodiment of the present invention includes a server communication unit for receiving an insurance product group creation request or insurance product group participation request from a user terminal, and an insurance product group according to the insurance product group creation request. Generate and store a user corresponding to the user terminal as a participant of the insurance product group according to the insurance product group participation request received from the user terminal, and determine the number of participants of the insurance product group and the target number of the insurance product group. In comparison, when the number of participants of the insurance product group reaches the target number of the insurance product group, it comprises a server control unit for activating the insurance product subscription link accessible to the participants of the insurance product group through the user terminal do.

An insurance product joint purchase service providing system according to an embodiment of the present invention includes an insurance product joint purchase service providing server and at least one user terminal, and the insurance product joint purchase service providing server includes an insurance product from the user terminal. A server communication unit which receives a group creation request or an insurance product group participation request, and generates an insurance product group according to the insurance product group creation request, and corresponds to the user terminal according to the insurance product group participation request received from the user terminal. If the user is stored as a participant of the insurance product group, and the number of participants in the insurance product group reaches the target number of the insurance product group by comparing the number of participants in the insurance product group with the target number of the insurance product group, Participants in the insurance product group are And a server controller for activating an insurance product subscription link accessible through a terminal device, wherein the at least one user terminal transmits the insurance product group creation request or the insurance product group participation request to the server communication unit according to a user input. Characterized in that.

The insurance product joint purchase service providing method, the providing server and the providing system according to the present invention as described above, if the target number is met by recruiting participants of the insurance product group, the joint purchase of the insurance product at a price applied with a predetermined discount rate is possible. There is.

In addition, the insurance product joint purchase service providing method, the server and providing system according to the present invention as described above, when the number of participants in the insurance product group reaches the number of people providing additional options of the insurance product group, the participants of the insurance product group At least one additional option may be provided.

In addition, the insurance product joint purchase service providing method, the server and providing system according to the present invention as described above, if the number of participants in the insurance product group does not reach the target number of insurance products through a predetermined social network service or website Providing group information has the effect of encouraging participation in insurance product groups.

In addition, the insurance product joint purchase service providing method, the providing server and the providing system according to the present invention as described above, by subtracting the insurance product group participation points from the participants of the insurance product group, the actual insurance product subscription after the target number of people There is an effect that can induce or secure.

In addition, the insurance product joint purchase service providing method, the providing server and the providing system according to the present invention as described above, if the number of participants in the insurance product group does not reach the target number, the participants who participated in the insurance product group is provided with points or It is effective to receive information on similar insurance product groups.

In addition, the insurance product joint purchase service providing method, the providing server and the providing system according to the present invention as described above, if the number of participants in the insurance product group exceeds the target number, additional discount rate can be applied according to the excess number of people, insurance It is also possible to receive information on requesting additional discount rate and desired discount rate notification according to the excess number of product groups.

1 is a diagram showing a system for providing insurance product joint purchase service according to an embodiment of the present invention.

2 is a flowchart illustrating a method of providing an insurance product joint purchase service according to an embodiment of the present invention.

3 is a flowchart illustrating a method of providing insurance product joint purchase service according to another embodiment of the present invention.

4 is a flowchart illustrating a method of providing insurance product joint purchase service according to another embodiment of the present invention.

5 is a flowchart showing a method of providing insurance product joint purchase service according to another embodiment of the present invention.

6 is a view showing a user screen of the insurance product group used in the insurance product joint purchase service providing method according to an embodiment of the present invention.

DETAILED DESCRIPTION In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings that illustrate preferred embodiments of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

1 is a diagram showing a system for providing insurance product joint purchase service according to an embodiment of the present invention. Referring to FIG. 1, the insurance product joint purchase service providing system 100 according to an embodiment of the present invention may include an insurance product joint purchase service providing server 110 and at least one user terminal 150. . As illustrated in FIG. 1, the insurance product joint purchase service providing server 110 and at least one user terminal 150 may communicate with each other by wire or wirelessly using a wired / wireless communication network 130. The wired / wireless communication network 130 is a communication network (Communication Network) that can be communicated by wire or wireless, it is well known to those skilled in the art, detailed description thereof will be omitted.

The server communication unit 111 may receive the insurance product group creation request or the insurance product group participation request from the at least one user terminal 150. The server communication unit 111 may be a wired Internet communication module supporting TCP / IP or the like or various such as Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), Wireless Broadband Internet (WiBro), and Wireless Fidelity (WiFi). It may be implemented as a communication module supporting at least one of the wireless communication method. The server communication unit 111 may be implemented as a communication module supporting at least one of the various communication methods as described above, and may be variously changed in a range known to those skilled in the art.

The server control unit 112 generates an insurance product group according to the insurance product group creation request, and in accordance with the insurance product group participation request received from the user terminal 150, the user corresponding to the user terminal 150 is insured. Can be stored as a participant in a product group. In addition, the server controller 112 compares the number of participants in the insurance product group with the target number of the insurance product group, and when the number of participants in the insurance product group reaches the target number of the insurance product group, Participants can activate the insurance product subscription link accessible through the user terminal 150.

As an example, the server controller 112 may include an insurance product manager 113, a website manager 114, and a customer information manager 115.

The insurance product management unit 113 may generate an insurance product group according to the received insurance product group creation request, and monitor the target number and current participants of each insurance product group by interworking with the insurance product information database unit 116. have. The insurance product management unit 113 compares the number of participants in the insurance product group with the target number of insurance product groups, and when the number of participants in the insurance product group reaches the target number of insurance product groups, the participants of the insurance product group are connected to the user terminal ( 150, it is possible to activate the link to the insurance product subscription accessible.

The website manager 114 may manage the insurance product joint purchase website provided to the user by the insurance product joint purchase service providing server 110. The user may access the insurance product joint purchase website through his user terminal 150 and receive the insurance product joint purchase service. For example, the list of insurance product groups currently being opened may be displayed on the initial website screen as a whole, and the insurance product desired by the user may be more easily searched through the classification of each insurance product group.

The customer information manager 115 may store information of users who have registered as members through the website provided by the website manager 114 in the customer information database 117. In addition to the personal information, the member information of each user may include information on the insurance product group that the user has participated in the past or in the past, and information on points that the user currently has.

The insurance product management unit 113, the website management unit 114, and the customer information management unit 115 will be described in detail with reference to FIGS. 2 to 6.

The insurance product information database unit 116 may store information about each insurance product group generated according to the insurance product group creation request. The information on the insurance product group may include information on the target number of participants, the current number of participants, additional discount rate according to the number of people, and the recruitment period. The customer information database unit 117 may store information of users who have registered as members through the website provided by the website manager 114. According to an embodiment, the insurance product information database unit 116 and the customer information database unit 117 may store various data necessary for the operation of the insurance product joint purchase service providing server 110, which is known to those skilled in the art. It may be implemented by various data storage devices. According to an embodiment, the insurance product information database unit 116 and the customer information database unit 117 may be integrated into one database unit.

At least one user terminal 150 may transmit an insurance product group creation request or an insurance product group participation request to the server communication unit 111 according to a user input. The at least one user terminal 150 may be various types of terminals or electronic devices capable of data communication in a wired or wireless manner such as a user computer (PC), a mobile phone, a smartphone, a tablet PC, and the like. It can be changed in various ways. The number of user terminals 150 included in the insurance product joint purchase service providing system 100 according to an embodiment of the present invention may be variously changed.

At least one user terminal 150 may be used by each user, and each user may access the insurance product co-purchase service providing server 110 through the user terminal 150 and register as a user. The membership registration information may be stored in the customer information database unit 117 by the customer information management unit 115. The user can log in after signing up through the user terminal 150 to check the insurance product group, check the insurance product group that he participated in, and modify his personal information. After the user accesses the insurance product joint purchase website through the user terminal 150, the user may easily register by linking the social network service (SNS) account of the user. For example, membership can be registered according to a specific membership classification, such as a general member, an insurance agent, etc. In some cases, one person may simultaneously join a member in different categories. In addition, as another embodiment, each user may be provided with a basic insurance product co-purchase service by accessing the insurance product co-purchase service providing server 110 as a non-member without a separate membership registration process.

A detailed description of the operation of the insurance product joint purchase service providing system 100 shown in FIG. 1 will be further described with reference to FIGS. 2 to 6.

2 is a flowchart illustrating a method of providing an insurance product joint purchase service according to an embodiment of the present invention. The insurance product joint purchase service providing method 200 according to an embodiment of the present invention shown in FIG. 2 may be performed by the insurance product joint purchase service providing server 110 described above with reference to FIG. 1.

Referring to FIG. 2, the method 200 for providing an insurance product joint purchase service according to an embodiment of the present invention may include generating an insurance product group in the insurance product management unit according to the insurance product group creation request (S21). Can be.

The insurance product group generation request may include insurance product information, target headcount information, discount rate information, and the like. The insurance product information may include information on the name, subscription conditions, coverage conditions, benefits, features, etc. of the insurance product, and the target number of people information may mean the number of participants required to release the insurance product, and the discount rate The information may refer to information on a premium discount rate provided to users who participate in the insurance product group when the target number of people has been reached or exceeded.

The insurance product group generation request may be transmitted from at least one user terminal 150, or may be directly input by an operator of the insurance product joint purchase service providing server 110. According to an embodiment, when the insurance product group creation request is transmitted from the general user, the operator of the insurance product co-purchase service providing server 110 may advance with the insurance company regarding whether the insurance product is actually released and the insurance conditions. After consultation, the group can decide whether to create a group of insurance products.

In addition, according to an embodiment, the insurance product group creation request may be transmitted from the insurance terminal's user terminal 150 instead of the general user. In this case, the insurance coverage, discount rate, etc. of each insurance product group may be set by each insurance agent, and various insurance product groups may be generated by inducing competition between insurance companies. Insurance planners pay a separate subscription fee when they first join a membership, pay the insurance product group creation point when creating an insurance product group, and finally, when the target number of insurance product groups is achieved and the insurance is incurred. A certain ratio may be paid to the insurance product joint purchase service providing server 110 as a subscription contract fee.

Next, the insurance product joint purchase service providing method 200 according to an embodiment of the present invention, the user corresponding to the user terminal 150 according to the insurance product group participation request received from the user terminal 150; It may include storing (S22) as a participant of the insurance product group.

The user may access the insurance product co-purchase website provided by the website manager 114 using his user terminal 150 and search for the insurance product group to which he / she wants to participate. The user may transmit the insurance product group confirmation request to the insurance product co-purchase service providing server 110 through the user terminal 150 in order to confirm detailed information about the specific insurance product group. In response to the insurance product group confirmation request received from the user terminal 150, the website manager 114 links the insurance product information database unit 116 with the target number, participation number and insurance discount rate corresponding to the insurance product group. Information and the like may be provided to the user terminal 150.

When the user wants to participate in a specific insurance product group, the insurance product group participation request may be transmitted to the insurance product co-purchase service providing server 110 by selecting the insurance product group and then selecting the “Join” button.

The server communication unit 111 may transmit the insurance product group participation request received from the user terminal 150 to the server control unit 112, and the customer information management unit 115 transmits the user information to the user who transmitted the insurance product group participation request. The database unit 117 may store the participants in the insurance product group. According to an embodiment, the insurance product group participation request may be processed in the insurance product management unit 113, and information about the participants of the insurance product group may be stored in the insurance product information database unit 116.

Next, the insurance product joint purchase service providing method 200 according to an embodiment of the present invention may include comparing the number of participants of the insurance product group with the target number of the insurance product group (S23). .

The insurance product management unit 113 may compare the number of participants and the target number of insurance product groups. Information on the number of participants and target number of each insurance product group may be stored in the insurance product information database unit 116, the insurance product management unit 113 is linked to the insurance product information database unit 116, insurance product group You can compare the number of participants and your target population at. According to an embodiment, the insurance product management unit 113 may perform step S23 when a new participant is added, or may perform step S23 according to a preset execution cycle. The execution cycle may be variously changed.

Next, the insurance product joint purchase service providing method 200 according to an embodiment of the present invention, when the number of participants in the insurance product group reaches the target number of the insurance product group, the insurance product management unit 113 Participants of the insurance product group may include activating an insurance product subscription link accessible through the user terminal 150 (S24). That is, when the target number of insurance product group is achieved, the insurance product group may be changed to an activation room in which insurance can be subscribed.

The insurance product management unit 113 may activate the insurance product subscription link when the number of participants in the insurance product group reaches the target number of people. The insurance product subscription link may be displayed on a screen accessing the insurance product group through the user terminal 150. Accordingly, the participants of the insurance product group may select the insurance product subscription link to proceed with the insurance product subscription process. have. For example, when the insurance product subscription link is clicked, the user terminal 150 may be connected to a web page (for example, an insurance company's web page) in which the insurance product can be subscribed to.

According to an embodiment, when the number of participants of the insurance product group reaches the target number, the insurance product management unit 113 may notify the user terminal of the participants of the insurance product group that the target number is met and activation of the insurance product is activated. 150).

According to an embodiment, the insurance product management unit 113 may provide at least one additional option to the participants of the insurance product group when the number of participants in the insurance product group reaches the number of additional options providing the insurance product group. . As an example, the additional option providing number of people may be defined as a value larger than the target number of people, the additional option providing number of people information may be included in the insurance product group information and stored in the insurance product information database unit 116. The insurance product management unit 113 may apply at least one of the insurance product conditions and the discount rate corresponding to the insurance product group to apply to the participants of the insurance product group according to the additional option selected by the participants of the insurance product group. . Accordingly, even participants participating in the same insurance product group may have different insurance product conditions and discount rates according to additional options selected by each participant.

As an example, when the target number of the specific insurance product group is 50 and the number of additional option provisional persons is set to 100, when the number of participants in the insurance product group reaches 50, the insurance product management unit 113 links to the insurance product subscription link. Can be activated. When the number of participants in the insurance product group reaches 100, each participant may be offered at least one additional option to choose from. As an example, the first option may be an option in which the coverage of the insurance product is the same and the discount rate may be increased, and the second option may be an option of widening the coverage of the insurance product and the same discount rate. At least one additional option may be displayed on a screen accessing the insurance product group through the user terminal 150.

According to an embodiment, the insurance product management unit 113 may provide at least one additional option to the participants of the insurance product group when the number of participants in the insurance product group reaches the target number of insurance product groups. Participants in the insurance group can vote on any of the at least one additional option, and the additional option with the most votes can be applied to the participants in the insurance group. Participants who participate in selecting additional options may be granted additional benefits, such as points available on the website.

According to an embodiment, the insurance product manager 113 may create a new insurance product group in response to a user's request. An insurance product inquiry board may be generated on the insurance product joint purchase website provided through the website manager 114 to create a new insurance product group in consultation with an insurance company for the insurance product that the user requests through the inquiry board. .

According to an embodiment, the insurance product management unit 113 may participate in the insurance product group when the number of participants in the insurance product group reaches the target number of insurance product groups in order to induce or secure the actual insurance product subscription after achieving the target number of people. The insurance product group participation point may be deducted from. The insurance product management unit 113, in conjunction with the customer information management unit 115 and the customer information database unit 117, the point of the participants of the insurance product group when the number of participants in the insurance product group reaches the target number of the insurance product You can deduct as much as your group participation points.

The insurance product group participation point may be set differently for each insurance product group and may be points of a user required to participate in the insurance product group. The points can be used on the website provided by the insurance product co-purchase service providing server 110, can provide a certain point to the user at the time of initial membership, additionally accumulate or charge the points in a variety of ways, such as paid payment Can be. If the number of participants in the insurance group reaches the target number, the participants of the insurance group will be deducted from the insurance group participation points, so that the participants of the insurance group will not be insured after the insurance subscription link is activated. Can be prevented. The insurance product management unit 113 may prevent the insurance product group participation point from being deducted when the participants of the insurance product group leave the insurance product group before achieving the target number of people.

In addition, according to an embodiment, the insurance product management unit 113 may deduct the insurance product group participation point from the user participating in the insurance product group according to the insurance product group participation request. That is, unlike the above-described embodiment, the insurance product management unit 113 may immediately deduct the user's points as much as the insurance product group participation points when the user participates in the insurance product group. In this case, when the participant of the insurance product group leaves the insurance product group before achieving the target number of people, the insurance product group participation point may be returned to the participant who has withdrawn.

In addition, the insurance product management unit 113, when the target number of the insurance product group is achieved, the initial premium is set to be automatically transferred from the participants of the insurance product group, the participants of the insurance product group after the insurance product subscription link is activated You can prevent them from actually buying insurance.

3 is a flowchart illustrating a method of providing insurance product joint purchase service according to another embodiment of the present invention. The insurance product joint purchase service providing method 300 according to another embodiment of the present invention shown in FIG. 3 may be performed by the insurance product joint purchase service providing server 110 described above with reference to FIG. 1. Steps S31, S32, S33, and S35 shown in FIG. 3 are similar to the steps S21, S22, S23, and S24 described above with reference to FIG.

Referring to FIG. 3, in the insurance product joint purchase service providing method 300 according to another embodiment of the present invention, when the number of participants in the insurance product group does not reach the target number of the insurance product group (S34-> NO) ), Providing the insurance product group information through a predetermined social network service or a website to induce participation in the insurance product group (S36).

The insurance product management unit 113 may upload the insurance product group information to a social network service or another website in order to induce joint purchase of insurance products when the number of participants of the insurance product group has not yet reached the target number of people. The social network service or website for providing the insurance product group information may be previously designated or added by the operator or the insurance product group creator and stored in the insurance product information database unit 116.

As shown in FIG. 3, the method 300 for providing an insurance product joint purchase service according to another embodiment of the present invention may return to step S32 again after step S36 is performed, and whether the number of participants reaches the target number of people. It may determine whether to perform the step S35 or S36.

4 is a flowchart illustrating a method of providing insurance product joint purchase service according to another embodiment of the present invention. The insurance product joint purchase service providing method 400 according to another embodiment of the present invention shown in FIG. 4 may be performed by the insurance product joint purchase service providing server 110 described above with reference to FIG. 1. Steps S41, S42, S44, and S46 shown in FIG. 4 may be similar to steps S21, S22, S23, and S24 described above with reference to FIG.

Referring to FIG. 4, the method 400 for providing an insurance product joint purchase service according to another embodiment of the present invention includes determining whether an offer period of an insurance product group is terminated after step S42 is performed (S43). ) May be included. When the recruitment period of the insurance product group has not ended (S43-> NO), the process may return to step S42 to continue recruiting participants of the insurance product group. That is, in the insurance product joint purchase service providing method 400 according to another embodiment of the present invention, a recruitment period for recruiting participants of an insurance product group may be set in advance, and before the recruitment period ends, After the recruitment period continues, the insurance product group purchase service may be provided according to the number of participants of the insurance product group.

Insurance product joint purchase service providing method 400 according to another embodiment of the present invention, when the recruitment period of the insurance product group ends (S43-> YES) the number of participants of the insurance product group and the target number of the insurance product group Comparing may include the step (S44).

Subsequently, the insurance product management unit 113, when the number of participants of the insurance product group reaches the target number of the insurance product group at the end of the recruitment period of the insurance product group (S45-> YES) the insurance product group Participants may activate the insurance product subscription link accessible through the user terminal 150 (S46).

On the other hand, when the number of participants in the insurance product group does not reach the target number of the insurance product group at the end of the recruitment period of the insurance product group (S45-> NO), the insurance product management unit 113, the Participants who participated in the insurance product group may be provided points or information about the insurance product group similar to the insurance product group which has not reached the target number of people (S47). In other words, if the joint purchase of the insurance product is inadequate due to the inability to meet the target number of people, the users who participated in the insurance product group are interested in the insurance product. Information about similar insurance product groups may be provided to users who have participated in an accident insurance product group. To this end, the customer information manager 115 may accumulate information about the insurance product group in which the corresponding user participates and store the information in the customer information database 117. Meanwhile, according to an embodiment, the insurance product management unit 113 may provide an additional point or benefit to the participants who participated in the insurance product group when the number of participants in the insurance product group does not reach a target number. According to an embodiment, the insurance product group that does not reach the target number of people may be deleted on the insurance product co-purchase website provided by the website manager 114.

5 is a flowchart showing a method of providing insurance product joint purchase service according to another embodiment of the present invention. The insurance product joint purchase service providing method 500 according to another embodiment of the present invention shown in FIG. 5 may be performed by the insurance product joint purchase service providing server 110 described above with reference to FIG. 1. Steps S51, S52, S53, and S54 shown in FIG. 5 may be similar to steps S21, S22, S23, and S24 described above with reference to FIG.

Referring to FIG. 5, in the insurance product joint purchase service providing method 500 according to another embodiment of the present invention, when the number of participants in the insurance product group exceeds the target number of the insurance product group, the insurance product management unit ( 113 may further include the step S55 of further including applying an additional discount rate according to the excess number of people.

Accordingly, even after the number of participants in the insurance product group reaches the target number of people, since there are additional benefits according to the excess number of people, it is possible to induce more users to participate in the insurance product group. As an example, when the target number of the insurance product group is 50, when the number of participants reaches 50, the discount rate may be set at 5%, and the premium rate may be increased by 1% whenever the number of participants increases by 10.

The information on the additional discount rate according to the excess number of the insurance product group may be provided to the user through the insurance product group screen on the insurance product joint purchase website provided by the website manager 114. Accordingly, the users can estimate the premium discount rate when the number of persons exceeding the target number of insurance product groups participates, thereby inducing additional participants.

In the insurance product joint purchase service providing method 500 according to another embodiment of the present invention, when a desired discount rate notification request is received from a user, the number of participants in the insurance product group corresponds to the number of participants corresponding to the desired discount rate notification request. The method may further include transmitting a notification message to the terminal of the user who has sent the desired discount rate notification request (S56). The insurance product management unit 113 may perform step S56 in cooperation with the insurance product information database unit 116 and the customer information database unit 117.

As an example, if the target number of insurance product groups is 50, and the number of participants reaches 50, the discount rate is set to 5%, and the premium rate increases by 1% for every 10 participants. When the number of participants in the insurance product group reaches 70% and the discount rate reaches 7%, the user wants to participate in the insurance product group through the user terminal 150 to request notification of the desired discount rate corresponding to the discount rate 7%. The product co-purchase service providing server 110 may be transmitted. The insurance product management unit 113 stores the desired discount rate notification request in the insurance product information database unit 116 or the customer information database unit 117, and then the number of participants in the insurance product group corresponds to the desired discount rate notification application. When the number of people is reached, a notification message may be transmitted to the terminal of the user who has sent the desired discount rate notification request. Accordingly, the user does not need to directly check that the insurance product group reaches the desired discount rate by accessing the insurance product purchase website, and immediately recognizes the notification message and participate in the insurance product group. There is an advantage.

Meanwhile, according to an embodiment, the website manager 114 may collect information on the desired discount rate notification request transmitted by other users and display the information on the page of the insurance product group. Through this, the user who wants to join the insurance product group can know the graph or distribution of the desired discount rate notification application sent by other participants, and can predict the number of the final participants of the insurance product group through this. You will be able to help determine this.

Meanwhile, the method of providing insurance product joint purchase service according to the present invention may be performed by a computer-readable recording medium on which a program for performing the insurance product joint purchase service providing method described above with reference to FIGS. 2 to 5 is recorded. have. In addition, the insurance product joint purchase service providing method according to the present invention may be performed by a computer program stored in a medium in order to execute the insurance product joint purchase service providing method described above with reference to FIGS. have. The insurance product joint purchase service providing method according to the present invention can be implemented as computer readable codes on a computer readable recording medium. Computer-readable recording media include any type of recording device that stores data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, and floppy. Disk, optical data storage, and the like. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

On the other hand, the order of the steps shown in Figures 2 to 5 are exemplary and may be variously changed in a range that does not lose the effects of the present invention, specific steps may be omitted according to the embodiment. As an example, before the recruitment period ends with the step S36 combined with the step S43, the step S43 may be periodically performed. In addition, the steps S43, S47, S55, and S56 may be variously combined with the existing embodiment. Can be.

6 is a view showing a user screen of the insurance product group used in the insurance product joint purchase service providing method according to an embodiment of the present invention. When the user accesses the insurance product joint purchase website provided by the website manager 114 through the user terminal 150 and transmits the insurance product group confirmation request to the insurance product joint purchase service providing server 110, FIG. 6. The insurance product group web page screen may be displayed on the user terminal 150.

Referring to FIG. 6, the name 610 of the insurance product group may be displayed at the top of the screen 600, and the basic information 620 of the insurance product group may be displayed on the left side of the screen 600. The basic information 620 of the insurance product group may include basic information and description of the insurance product, a target number of people and a current number of participants, and a recruitment period. Referring to FIG. 6, it can be seen that the number of recruits in the current insurance product group is 50 and the number of participants is 32. Once the recruitment number is met, the insurance product can be launched. When the user wants to participate in the insurance product group, the user may select the “Join” button to transmit the insurance product group participation request to the insurance product co-purchase service providing server 110.

At the top of the screen 600, a selection menu 630 of the insurance product group may be displayed, and may include insurance service progress, insurance product description, insurance price check, FAQ, and free board. By selecting each menu, the user can be provided with information on the progress, description, and price of the insurance product. The FAQ is a Frequently Asked Questions page, where users can be provided with answers to frequently asked questions about the product. Free boards allow participants in the insurance product group to communicate with each other and share information about the insurance product.

The schedule 640 of the insurance product group may be displayed at the bottom of the selection menu 630 of the insurance product group. In the progress schedule 640, an insurance product opening date, a recruitment period, and a recruitment termination date may be displayed.

The additional discount rate information 650 of the insurance product group may be displayed at the bottom of the schedule 640 of the insurance product group. The additional discount information 650 may indicate that the premium discount rate increases step by step whenever the participant of the insurance product group increases. In FIG. 6, the additional discount rate information 650 is displayed in a simple text form, but this is merely an example. The additional discount rate information may be visually provided to the user by providing a discount rate graph compared to the number of participants.

On the side of the additional discount rate information 650 of the insurance product group, a desired discount rate notification icon 660 corresponding to each additional discount rate may be displayed. Participants in the insurance product group may select a discount rate to be notified and select the corresponding icon 660, and the insurance product management unit 113 reaches the number of participants corresponding to the desired discount rate notification application. The notification message may be transmitted to the terminal of the user who has sent the desired discount rate notification request.

Meanwhile, the insurance product group web page screen 600 illustrated in FIG. 6 is all exemplary, and the layout, configuration, interface, and detailed operation of the screen may be variously changed.

Various embodiments described herein can be implemented by hardware, middleware, microcode, software and / or combinations thereof. For example, various embodiments may include one or more application specific semiconductors (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs). ), Processors, controllers, microcontrollers, microprocessors, other electronic units designed to perform the functions presented herein, or a combination thereof.

Also, for example, various embodiments may be embedded in or encoded on a computer-readable medium containing instructions. Instructions embedded in or encoded on a computer-readable medium may cause a programmable processor or other processor to perform a method, for example, when the instructions are executed. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. The storage medium may be any available medium that can be accessed by a computer. For example, such computer-readable media may include RAM, ROM, EEPROM, CD-ROM, or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, or instructions for accessing the desired program code by a computer or It can include any other medium that can be used to carry or store in the form of data structures.

Such hardware, software, firmware, etc. may be implemented within the same device or within separate devices to support the various operations and functions described herein. In addition, the components, units, modules, components, etc., described herein as "parts" may be implemented separately or separately as discrete but interoperable logic devices. The depiction of different features for modules, units, etc. is intended to highlight different functional embodiments and does not necessarily mean that they must be realized by individual hardware or software components. Rather, functionality associated with one or more modules or units may be performed by separate hardware or software components or integrated into common or separate hardware or software components.

Although the operations are shown in the drawings in a specific order, it should not be understood that these operations are performed in the specific order shown, or sequential order, to achieve the desired result, or that all illustrated actions need to be performed. . In some circumstances, multitasking and parallel processing may be advantageous. Moreover, the division of various components in the above-described embodiments should not be understood as requiring such division in all embodiments, and the described components are generally integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

Insurance product joint purchase service providing method, providing server and providing system according to an embodiment of the present invention can be used in the insurance industry.

Claims (4)

Generating an insurance product group in the insurance product management unit according to the insurance product group creation request; Storing a user corresponding to the user terminal as a participant of the insurance product group according to the insurance product group participation request received from the user terminal; Comparing the number of participants in the insurance product group with a target number of people in the insurance product group; When the number of participants of the insurance product group reaches the target number of the insurance product group, the insurance product management unit activating an insurance product subscription link accessible to the participants of the insurance product group through the user terminal; If the number of participants in the insurance product group does not reach the target number of the insurance product group, inducing the participation in the insurance product group by providing the insurance product group information through a predetermined social network service or website; If the number of participants of the insurance product group exceeds the target number of the insurance product group, applying an additional discount rate according to the excess person; And If the user receives the desired discount rate notification request from the user, when the number of participants in the insurance product group reaches the number of participants corresponding to the desired discount rate notification request, sending a notification message to the terminal of the user who sent the desired discount rate notification request. Including, When the number of participants in the insurance product group exceeds the target number of people and reaches the number of providing additional options for the insurance product group, the insurance product management unit provides at least one additional option to the participants of the insurance product group, Apply the insurance product conditions corresponding to the insurance product group to the participants of the insurance product group according to the additional option selected by the participants of the insurance product group, When the number of participants in the insurance product group reaches the target number of insurance product groups and the insurance product subscription link is activated, the insurance product management unit deducts insurance product group participation points from the participants of the insurance product group, thereby providing the insurance. Prevent you from signing up for the product, The insurance product group generation request includes insurance product information, target number information and discount rate information, and according to the insurance product group confirmation request received from the user terminal, the target number of participants, the number of participants and the insurance corresponding to the insurance product group. Provide discount rate information to the user terminal, The insurance product management unit activates the insurance product subscription link when the number of participants in the insurance product group reaches a target number of insurance product groups at the end of the recruitment period of the insurance product group, The insurance product management unit, if the number of participants in the insurance product group does not reach the target number of the insurance product group at the end of the recruitment period of the insurance product group, points to the participants who participated in the insurance product group A method of providing an insurance product joint purchase service, comprising: providing information on an insurance product group similar to an insurance product group which has not been provided or has not reached the target number of persons. The method of claim 1, The insurance product management unit provides a insurance product group purchase point, the insurance product group participation point is subtracted from the user participating in the insurance product group according to the insurance product group participation request. A server communication unit receiving a insurance product group creation request or insurance product group participation request from a user terminal; And Create an insurance product group according to the insurance product group creation request, store the user corresponding to the user terminal as a participant of the insurance product group according to the insurance product group participation request received from the user terminal, and store the insurance product group When the number of participants in the insurance group reaches the target number of the insurance product group by comparing the number of participants in the insurance product group with the target number of participants in the insurance product group, the participants of the insurance product group join the insurance product accessible through the user terminal. A server controller for activating the link, If the number of participants of the insurance product group exceeds the target number of people and reaches the number of providing additional options of the insurance product group, the server controller provides at least one additional option to the participants of the insurance product group, Apply the insurance product conditions corresponding to the insurance product group to the participants of the insurance product group according to the additional option selected by the participants of the insurance product group, When the number of participants in the insurance product group reaches the target number of insurance product groups and the insurance product subscription link is activated, the server control unit deducts insurance product group participation points from the participants of the insurance product group and makes the insurance product. Prevent you from joining, If the number of participants in the insurance product group does not reach the target number of the insurance product group, the server controller provides information of the insurance product group through a predetermined social network service or website to induce participation in the insurance product group. and, If the number of participants in the insurance product group exceeds the target number of the insurance product group, the server controller applies an additional discount rate according to the excess number of persons, If the user receives the desired discount rate notification request from the user, when the number of participants in the insurance product group reaches the number of participants corresponding to the desired discount rate notification request, the server controller sends a notification message to the terminal of the user who sent the desired discount rate notification request. Send, The insurance product group generation request includes insurance product information, target number information and discount rate information, and according to the insurance product group confirmation request received from the user terminal, the target number of participants, the number of participants and the insurance corresponding to the insurance product group. Provide discount rate information to the user terminal, The server controller activates the insurance product subscription link when the number of participants in the insurance product group reaches the target number of insurance product groups at the end of the recruitment period of the insurance product group, If the number of participants in the insurance product group does not reach the target number of the insurance product group at the time when the recruitment period of the insurance product group ends, the server controller provides points to the participants who participated in the insurance product group. Or providing information on an insurance product group similar to an insurance product group which has not reached the target number of persons. In the insurance product joint purchase service providing server and insurance product joint purchase service providing system comprising at least one user terminal, The insurance product joint purchase service providing server, A server communication unit for receiving an insurance product group creation request or insurance product group participation request from the user terminal; And Create an insurance product group according to the insurance product group creation request, store the user corresponding to the user terminal as a participant of the insurance product group according to the insurance product group participation request received from the user terminal, and store the insurance product group When the number of participants in the insurance group reaches the target number of the insurance product group by comparing the number of participants in the insurance product group with the target number of participants in the insurance product group, the participants of the insurance product group join the insurance product accessible through the user terminal. A server controller for activating the link, The at least one user terminal, Transmit the insurance product group creation request or the insurance product group participation request to the server communication unit according to a user input; If the number of participants of the insurance product group exceeds the target number of people and reaches the number of providing additional options of the insurance product group, the server controller provides at least one additional option to the participants of the insurance product group, Apply the insurance product conditions corresponding to the insurance product group to the participants of the insurance product group according to the additional option selected by the participants of the insurance product group, When the number of participants in the insurance product group reaches the target number of insurance product groups and the insurance product subscription link is activated, the server control unit deducts insurance product group participation points from the participants of the insurance product group and makes the insurance product. Prevent you from joining, If the number of participants in the insurance product group does not reach the target number of the insurance product group, the server controller provides information of the insurance product group through a predetermined social network service or website to induce participation in the insurance product group. and, If the number of participants in the insurance product group exceeds the target number of the insurance product group, the server controller applies an additional discount rate according to the excess number of persons, If the user receives the desired discount rate notification request from the user, when the number of participants in the insurance product group reaches the number of participants corresponding to the desired discount rate notification request, the server controller sends a notification message to the terminal of the user who sent the desired discount rate notification request. Send, The insurance product group generation request includes insurance product information, target number information and discount rate information, and according to the insurance product group confirmation request received from the user terminal, the target number of participants, the number of participants and the insurance corresponding to the insurance product group. Provide discount rate information to the user terminal, The server controller activates the insurance product subscription link when the number of participants in the insurance product group reaches the target number of insurance product groups at the end of the recruitment period of the insurance product group, If the number of participants in the insurance product group does not reach the target number of the insurance product group at the time when the recruitment period of the insurance product group ends, the server controller provides points to the participants who participated in the insurance product group. Or providing information on an insurance product group similar to the insurance product group which has not reached the target number of persons.

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