KR20220113866A - System and method for providing realtime travel insurance subscription service by using simple authentication based on block chain - Google Patents

Abstract

The present invention relates to a system and a method for providing a real-time travel insurance purchase service by using simple authentication based on a blockchain, which allow a user to purchase insurance without the burden of insurance. According to an embodiment of the present invention, the method for providing a blockchain-based insurance service comprises: a step of receiving user information for requesting insurance purchase as a reward for exercise information of a user from a user terminal; a step of performing insurance purchase of the user based on the received user information; a step of generating transaction information including insurance purchase information of the user when the insurance purchase is completed; and a step of recording the generated transaction information in a distributed ledger to store the distributed ledger in a storage unit of a device for providing the blockchain-based insurance service.

Description

System and method for providing real-time travel insurance subscription service using blockchain-based simple authentication { SYSTEM AND METHOD FOR PROVIDING REALTIME TRAVEL INSURANCE SUBSCRIPTION SERVICE BY USING SIMPLE AUTHENTICATION BASED ON BLOCK CHAIN }

The present invention relates to a system and method for providing a real-time travel insurance subscription service using block chain-based simple authentication. It relates to a system and method for providing a travel insurance subscription service that can provide an insurance plan of

In general, insurance is intended to prepare for accidents, damage, and diseases caused by traffic accidents or other various causes that may occur in the future, and there are various types of insurance such as non-life insurance, medical insurance, and accident insurance. In order to purchase insurance, the user is provided with information on the contents of insurance, guarantees, paid insurance money and possible insurance money through an insurance solicitor, etc., and purchases insurance based on this information. When insurance is purchased in this way, the employer must periodically pay insurance money to the insurance company during the period of purchase of the insurance. In the case of long-term insurance products, users have to pay insurance money for a period of 10 years or more, and it may be difficult to pay insurance money due to a sudden financial situation for a long period of time. In addition, as the coverage increases, the amount of insurance money the user has to pay increases. In the case of short-term insurance products, since they have a subscription period of about one day or a year, the user has a short period of time to be covered, so it is inconvenient to purchase insurance products from time to time.

On the other hand, insurance companies need to safely store and manage various information related to insurance subscribers, such as insurance subscriber information, insurance payment, insurance claim, and insurance payment, so complex authentication is required, which increases the cost of security. do.

Recently, a blockchain-based secure authentication method has been proposed, and a simple authentication method using it is being used.

Therefore, by utilizing this blockchain-based safe and simple authentication method, users can conveniently and safely subscribe to insurance, and a realistic and applicable technology that enables insurance companies to safely store and manage insurance subscribers’ information is urgently needed. the current situation.

The problem to be solved by the present invention is to provide a method for providing a block chain-based insurance service.

Specifically, the problem to be solved by the present invention is to provide a method for providing a block chain-based insurance service in which a user can subscribe to insurance without burden of insurance money, and an insurance company can safely store and manage information of insurance subscribers.

The problems of the present invention are not limited to the problems mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following description.

In order to solve the above problems, an apparatus and method for providing a block chain-based insurance service according to an embodiment of the present invention are provided. A block chain-based insurance service providing apparatus according to an embodiment of the present invention includes: a communication unit; a storage unit in which a plurality of distributed ledgers including insurance subscription information of a plurality of users are stored; and a processor connected to the communication unit and the storage unit, wherein the processor receives user information for requesting insurance subscription as compensation according to the user's exercise information from the user terminal through the communication unit, and the received user The user's insurance subscription is performed based on the information, and when the insurance subscription is completed, transaction information including the user's insurance subscription information is generated, and the generated transaction information is recorded in the distributed ledger to store the distributed ledger. save to storage

A method of providing a block chain-based insurance service performed by a processor of a block-chain-based insurance service providing apparatus according to an embodiment of the present invention includes user information for requesting insurance subscription as compensation according to the user's exercise information from a user terminal receiving; performing insurance subscription of the user based on the received user information; generating transaction information including the user's insurance subscription information when the insurance subscription is completed; and recording the generated transaction information in a distributed ledger and storing the distributed ledger in a storage unit of the block chain-based insurance service providing device.

The details of other embodiments are included in the detailed description and drawings.

According to the present invention, by performing insurance subscription as compensation according to the user's exercise information and paying cryptocurrency as insurance money when claiming insurance money, the user can conveniently subscribe to insurance without burdening the insurance money.

In addition, the present invention records, stores and manages information related to a user's insurance subscription, insurance claim, and payment of insurance money in a block chain, thereby increasing security by preventing an insurance company from leaking and hacking insurance subscribers' information.

The effect according to the present invention is not limited by the contents exemplified above, and more various effects are included in the present invention.

1 is a schematic diagram for explaining a block chain-based insurance service providing system according to an embodiment of the present invention.
2 is a schematic diagram illustrating a user terminal according to an embodiment of the present invention.
3 is a schematic diagram illustrating a service providing server according to an embodiment of the present invention.
4 is a schematic flowchart for explaining a method of performing insurance subscription with compensation according to the user's exercise information in the service providing server according to an embodiment of the present invention.
5 is a schematic flowchart for explaining a method of paying an insurance money according to an insurance claim in the service providing server according to an embodiment of the present invention.

Advantages and features of the present invention, and a method for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be embodied in various different forms, and only these embodiments allow the disclosure of the present invention to be complete, and common knowledge in the art to which the present invention pertains It is provided to fully inform those who have the scope of the invention, and the present invention is only defined by the scope of the claims.

Although the first, second, etc. are used to describe various elements, these elements are not limited by these terms, of course. These terms are only used to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may be the second component within the spirit of the present invention.

Like reference numerals refer to like elements throughout.

Each feature of the various embodiments of the present invention may be partially or wholly combined or combined with each other, and as those skilled in the art will fully understand, technically various interlocking and driving are possible, and each embodiment may be independently implemented with respect to each other. It may be possible to implement together in a related relationship.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram for explaining a block chain-based insurance service providing system according to an embodiment of the present invention.

Referring to FIG. 1 , a block chain-based insurance service providing system 1000 includes a user terminal 100 for insurance subscription and a service providing server 200 providing insurance services.

First, the user terminal 100 subscribes to an insurance product as compensation according to the user's exercise information, and as a user interface device for claiming and paying insurance money, is provided with a sensor for obtaining the user's exercise information, and the user's exercise information It may be a smartphone, a tablet PC, a wearable device, etc. installed with an application, program, widget, or web browser for insurance subscription, claim, and payment of insurance as compensation. When a sensor is provided separately, the user terminal 100 may include a PC, a smart TV, or the like. The user terminal 100 is connected to the service providing server 200 through an installed application, program, widget or web browser, and subscribes to an insurance product as compensation according to the user's exercise information, and receives various data for claiming and paying insurance money. can be exchanged

The user terminal 100 may provide information on insurance products that the user can subscribe to according to exercise information such as the number of steps and the heart rate of the user. Specifically, the user terminal 100 may include a sensor for obtaining the user's exercise information, and may transmit the exercise information obtained by obtaining the exercise information through the sensor to the service providing server 200 . The user terminal 100 may receive information on an insurance product that a user can subscribe to according to exercise information from the service providing server 200 , and may provide an interface screen displaying information on the received insurance product. For example, the user terminal 100 includes a step number measurement sensor for measuring the number of steps, such as an acceleration sensor, a gravity sensor, or an inertial sensor, and when the number of steps of the user is measured through the sensor, the user joins as a reward. An interface screen displaying information on possible insurance products may be provided. The insurance products that the user can purchase are variable, irregular or short-term insurance products that can be purchased on a daily basis, and may be products related to death protection, health/injury, disease, savings/investment, etc., but is not limited thereto. In various embodiments, the user terminal 100 includes a heart rate sensor for measuring the heart rate, and when the user's heart rate is measured through the heart rate sensor, information on at least one insurance product that the user can subscribe to as compensation An interface screen to be displayed may be provided. In various embodiments, the user terminal 100 includes both a step count sensor and a heart rate sensor, and when the user's step count or heart rate is measured by the combination of the two sensors, the user can purchase insurance products as compensation for this. It is also possible to display an interface screen showing information about the . The interface screen displayed through the display unit of the user terminal 100 may include information indicating an insurance product that the user can subscribe to, or a period for which the user can subscribe.

The user terminal 100 may acquire user information used for the user's insurance subscription, and transmit insurance subscription request data including the acquired user information to the service providing server 200 . For example, user information includes personal information such as a user's name, age, gender, address, contact information, occupational information, medical information such as a user's medical history or health condition, financial information, activity information such as travel itinerary, and whether or not a car is owned. It may include at least a part of information on the means of transportation, such as, and the like. The user terminal 100 provides an interface screen for obtaining user information used for insurance subscription, and when user information is obtained through the interface screen, insurance subscription request data including the obtained user information is provided to the service providing server ( 200) can be passed. User information used for insurance subscription may require various information for each insurance product, and is not limited as described above. In various embodiments, the user terminal 100 provides an interface screen for the user to select at least one of the insurance products that can be subscribed based on user information, and when a specific insurance product is selected through the interface screen, the selected specific insurance product Insurance subscription request data for requesting subscription to the service provider may be transmitted to the service providing server 200 .

When the user's insurance subscription is completed by the service providing server 200, the user terminal 100 receives information indicating that the user's insurance subscription is completed from the service providing server 200, and provides an interface screen indicating the received information can do. In various embodiments, the user terminal 100 may receive, from the service providing server 200 , the details of the subscription for the insurance the user has subscribed to together with the corresponding information, and may provide an interface screen showing the received details of the subscription.

In the present embodiment, when the user's exercise information is obtained, it has been described that the operation for insurance is performed as a compensation according to the obtained exercise information, but the present invention is not limited thereto, and when the exercise information satisfies a specific condition, insurance is provided as compensation. An operation for subscription may be performed. For example, when the measured number of steps and/or heart rate is equal to or greater than the threshold number of steps and/or the threshold heart rate, an operation for purchasing insurance may be performed as compensation.

In various embodiments, after the user's insurance subscription is completed, the user terminal 100 periodically acquires the user's exercise information to subscribe to a new insurance product or provide an interface screen for extending the subscription period for the insurance product the user has subscribed to can do. For example, when the user's exercise information is obtained, the user terminal 100 provides information on at least one insurance product that the user can subscribe to, and the at least one insurance product may include an insurance product that the user has already subscribed to. . Through this, the user can extend the subscription period for the subscribed insurance product or subscribe to a new insurance product.

When there is a request for subscribing to a new insurance product, the user terminal 100 may provide an interface screen for acquiring user information used for subscribing to a new insurance product. The user terminal 100 may obtain user information through the interface screen, and transmit subscription request data including the obtained user information to the service providing server 200 . In various embodiments, the user terminal 100 may transmit subscription request data including existing user information to the service providing server 200 for new insurance product subscription. When the new insurance subscription is completed by the service providing server 200, the user terminal 100 receives information indicating that the new insurance subscription is completed from the service providing server 200, and provides an interface screen indicating the received information. have. In various embodiments, the user terminal 100 receives the insurance detailed information about the insurance products subscribed by the user as well as the new insurance product from the service providing server 200, and provides an interface screen showing the received insurance detailed information. may be

When there is a request for extending the subscription period for an existing insurance product, the user terminal 100 may transmit request data for extending the subscription period to the service providing server 200 . When the period extension is completed by the service providing server 200 , the user terminal 100 may receive information indicating that the period extension is completed from the service providing server 200 , and may provide an interface screen indicating the received information.

In various embodiments, after the user's insurance subscription is completed, the user terminal 100 continuously acquires the user's exercise information, and according to the acquired exercise information, a request to request an extension of the period for at least one insurance product subscribed by the user Data may be transmitted to the service providing server 200 . Through this, the period extension for existing insurance products can be performed automatically without user request.

In various embodiments, the user terminal 100 continuously acquires the user's exercise information, and according to the obtained exercise information, the user terminal 100 provides the service providing server 200 with request data for requesting to subscribe to at least one insurance product that the user can subscribe to. can be passed to The user terminal 100 transmits, to the service providing server 200 , request data for requesting the user to subscribe for all insurance products that the user can subscribe or for requesting the subscription for an insurance product suitable for the user from among the insurance products that the user can subscribe to. can For example, if the user owns a car and the user does not subscribe to car insurance, the user terminal 100 may receive information about car insurance from the service providing server 200 .

The user terminal 100 may include or be connected to an electronic wallet to which insurance money is paid according to an insurance claim. Insurance money can be paid in cryptocurrency. For example, the electronic wallet may include a hot wallet that can be directly connected to an online transaction and a cold wallet that is offline for safe storage of cryptocurrencies. For example, the hot wallet may be a network storage accessible to the Internet through an application, program, or web browser installed in the user terminal 100 . The cold wallet may include a physical storage device such as a USB or an external hard drive that stores a private key, a public key, or a transaction value. If the e-wallet is a hot wallet, the e-wallet is included as a module in an application, program, widget or web browser for insurance subscription, claim and insurance payment as compensation according to the user's exercise information, so that the application, program, widget or web browser, etc. can be linked In various embodiments, the electronic wallet may be separately installed in the user terminal 100 as an application, widget, or program, and may be linked with an application, program, widget, or web browser for insurance subscription, claim and insurance payment. When the electronic wallet is a cold wallet, an application, program, widget or web browser for insurance subscription, claim and insurance payment may further include a function for receiving insurance money with the cold wallet. For example, a function for moving cryptocurrency and/or transaction-related information (eg, private key, public key, etc.) to a physical storage device such as USB or outputting it as paper may be included. In various embodiments, the electronic wallet may include a paper wallet on which a private key, a public key, or a transaction value is printed. Through this function, users can receive cryptocurrency as insurance money according to insurance claims.

The user terminal 100 may provide an interface screen for obtaining claim information used for claiming insurance money. Here, the claim information includes the personal information of the user who made the insurance claim, the evidence used for the insurance claim, or the user's e-wallet address used for the insurance payment, and may include various information required depending on the type of insurance have. For example, in the case of non-life insurance, the claim information may include personal information of the insured and the policyholder, the electronic wallet address of the recipient to receive insurance money, the date and time of the accident (onset), the accident location, the accident process, the name of the hospital, and the like. In the case of actual cost insurance, the electronic wallet address of the beneficiary may include a receipt for calculation of medical expenses and a detailed statement of medical expenses. Claim information may require different information depending on the type of insurance, but is not limited thereto.

When claim information is obtained through the interface screen, the user terminal 100 may transmit request data for claiming insurance including the obtained claim information to the service providing server 200 . The user terminal 100 may receive, as the user's insurance money, the cryptocurrency paid according to the claim information from the service providing server 200 through the electronic wallet. For example, when a program for accessing the electronic wallet server (not shown) is installed in the user terminal 100 , the user terminal 100 accesses the electronic wallet server through the corresponding program and receives billing information from the service providing server 200 . You can check the cryptocurrency paid according to the The user terminal 100 may receive information indicating an insurance payment result from the service providing server 200 , and may provide an interface screen indicating the received information.

In various embodiments, an application, widget, program, or web browser for insurance subscription and insurance claim may provide a function for storing the paid cryptocurrency in a cold wallet such as a USB or outputting it to a paper wallet.

Next, the service providing server 200 may include a general-purpose computer, laptop, data server, etc. that performs insurance subscription as compensation according to the user's exercise information and calculates various data to pay insurance money according to the insurance claim. have. In addition, the service providing server 200 performs insurance subscription as compensation according to the user's exercise information, and provides an application, widget, or program that provides an insurance service for paying insurance money according to an insurance claim to the user terminal 100 . can provide The service providing server 200 may receive the user's exercise information from the user terminal 100 , and may transmit information on an insurance product that the user can subscribe to according to the user's exercise information to the user terminal 100 .

When insurance subscription request data for subscribing to an insurance product is received from the user terminal 100 , the service providing server 200 checks whether the user can subscribe to the corresponding insurance product based on user information included in the insurance subscription request data. can For example, the service providing server 200 checks whether the user's age, gender, health condition, insurance subscription, etc. included in the user information meets the subscription conditions for the user to subscribe to the insurance product selected by the user. can judge The subscription conditions may include age, gender, health condition, or whether the subscription limit is exceeded, etc. that can be subscribed to the corresponding insurance product. The service providing server 200 determines whether the user's age is the age at which the user can subscribe to the insurance product, whether the user's gender is the gender at which the user can subscribe to the insurance product, and whether the user's health condition is the health condition that can subscribe to the insurance product. Alternatively, whether the user's insurance subscription limit is exceeded or the like may be determined. The service providing server 200 may use a machine learning technique to check whether the user subscribes to insurance, but is not limited thereto, and various technologies for checking whether the user subscribes to the insurance may be used. In addition, although the presented embodiment has been described as checking whether the age, gender, health condition, or insurance subscription limit is exceeded, the present invention is not limited thereto, and various information can be checked for each insurance product. For example, in the case of car insurance, whether you own a car and/or whether you have an accident, etc. may be checked. In the case of travel insurance, the user's travel itinerary and/or ticket information may be checked.

When it is determined that the user can subscribe to the corresponding insurance product, the service providing server 200 performs insurance subscription for the user, and purchases insurance including user information on the corresponding insurance product and information on the insurance product the user has subscribed to. information can be generated. For example, insurance subscription information includes user information, including at least some of the user's personal information, medical information, job information, financial information, activity information, and means of transportation information, and the name of the insurance the user has subscribed to, the date of subscription, and the subscription. It may include, but is not limited to, information on insurance products including, but not limited to, period, insurance details, insurance money or insurance terms, and various information may be included. The service providing server 200 may generate transaction information including the generated insurance subscription information, record the generated transaction information in the distributed ledger, and store the distributed ledger in the blockchain database of the service providing server 200 . The service providing server 200 may transmit information indicating completion of subscription to the corresponding insurance product to the user terminal 100 . In various embodiments, the service providing server 200 may transmit detailed insurance information about the insurance product subscribed by the user to the user terminal 100 together with information indicating completion of the subscription.

In various embodiments, when exercise information is received from the user terminal 100 , the service providing server 200 transmits information about an insurance product that the user can subscribe to to the user terminal 100 when the received exercise information satisfies a specific condition in various embodiments. can For example, when the number of steps of the user is equal to or greater than the threshold number of steps or the heart rate of the user is equal to or greater than the threshold heart rate, the service providing server 200 may transmit information about insurance products that the user can subscribe to to the user terminal 100 .

In various embodiments, when the user's exercise information is periodically received from the user terminal 100 , the service providing server 200 may provide information on a new insurance product that the user can subscribe to to the user terminal 100 . When subscription request data for subscribing to a new insurance product is received from the user terminal 100 , the service providing server 200 may subscribe to a new insurance product based on user information included in the subscription request data. In this case, the service providing server 200 generates transaction information including insurance product information for a new insurance product subscribed by the user, records the generated transaction information in the distributed ledger, and stores the distributed ledger in the blockchain database. have. The service providing server 200 may provide information indicating that subscription for a new insurance product is completed to the user terminal 100 .

In various embodiments, when the user's exercise information is periodically received from the user terminal 100 , the service providing server 200 may provide the user terminal 100 with information for extending the period for the insurance product subscribed by the user. . When the user terminal 100 receives the request data requesting the extension of the period for the insurance product already subscribed to, the service providing server 200 extends the subscription period for the insurance product and includes information on the extended subscription period transaction information can be created. The service providing server 200 may record the generated transaction information in the distributed ledger and store the corresponding distributed ledger in the block chain database. The service providing server 200 may transmit information indicating that the period extension for the corresponding insurance product is completed to the user terminal 100 .

In various embodiments, when the user's exercise information is periodically received from the user terminal 100, the service providing server 200 automatically performs a subscription for a new insurance product that the user can subscribe to, or the user You can automatically extend the term of your insurance product. In this case, the service providing server 200 may use the existing user information to subscribe to a new insurance product that the user can subscribe to or to extend the period for the insurance product the user has subscribed to. The service providing server 200 may generate transaction information including insurance subscription information for a new insurance product subscribed by the user, record the generated transaction information in the distributed ledger, and store the distributed ledger in the block chain database. The service providing server 200 may transmit information indicating completion of subscription for a new insurance product to the user terminal 100 . In various embodiments, when the user subscribes to car insurance, the service providing server 200 may extend the insurance subscription period of the car insurance subscribed by the user by 7 days. In this case, the service providing server 200 generates transaction information including information on the 7-day extended insurance subscription period of the car insurance subscribed by the user, records the generated transaction information in the distributed ledger, and blocks the distributed ledger. It can be stored in the chain database. The service providing server 200 may transmit information indicating that a subscription period for an existing insurance product is extended to the user terminal 100 . Through this, insurance subscription can be automatically performed according to the user's exercise information without the user's request, or the period of an existing insurance product can be automatically extended.

In various embodiments, the service providing server 200 may subscribe to all insurance products that the user can subscribe to, or may subscribe to an insurance product suitable for the user from among the insurance products that the user can subscribe to. For example, if the user owns a car and the user does not subscribe to car insurance, the service providing server 200 performs a 7-day car insurance subscription, and a transaction including insurance subscription information for car insurance information can be generated. The service providing server 200 may record the generated transaction information in the distributed ledger and store the corresponding distributed ledger in the block chain database.

When insurance claim data including user's claim information is received from the user terminal 100 to claim insurance for a specific insurance product, the service providing server 200 determines whether or not to pay the insurance based on the claim information. can be performed. Specifically, the service providing server 200 may perform insurance payment review using the received claim information and the user's insurance subscription information stored in the block chain database. The service providing server 200 may determine whether the user's claim information includes essential claim information required for payment of insurance money, and if the claim information includes essential claim information, may determine insurance payment. Required claim information may include various information for each insurance product, and in the case of actual cost insurance, mandatory claim information includes at least some of the hospital name, hospital business registration number, medical subject, treatment period, medical expense details, patient name, patient resident registration number, patient contact information, etc. may be included.

When the insurance payment is determined, the service providing server 200 may determine the insurance amount to be paid based on the user information, insurance subscription information, and the current insurance amount for other users who have subscribed to a specific insurance product. For example, the service providing server 200 stores insurance subscription information and insurance payment details for each user, and stores the user information of the user whose insurance payment is determined and the total amount of insurance money paid to users subscribed to a specific insurance product. You can check the insurance amount to be paid to the user. In various embodiments, the service providing server 200 may determine an accident rate corresponding to the same age and/or gender of the user, such as the age and/or gender of the user, and set an insurance amount according to the confirmed accident rate. A machine learning technique may be used for the above-described insurance payment review and insurance money formulation, but is not limited thereto, and various techniques may be used.

When the insurance money to be paid is determined, the service providing server 200 may use the user's electronic wallet address to pay the cryptocurrency corresponding to the determined insurance money to the user's electronic wallet. The service providing server 200 may generate transaction information including information on insurance payment, record the generated transaction information in a distributed ledger, and store the distributed ledger in a block chain database. Information on the payment of insurance money may include, but is not limited to, the electronic wallet address of the user who paid the insurance money, the date the insurance money was paid, or the insurance amount paid.

The service providing server 200 may transmit information indicating the insurance payment result to the user terminal 100 . The information indicating the result of the insurance payment may include text such as “insurance has been paid”, or may further include information indicating the amount of insurance money paid.

In various embodiments, the service providing server 200 may further include at least one node (not shown) for storing at least one distributed ledger including transaction information for each user, and store the distributed ledger in at least one node. have. At least one node may communicate with the service providing server 200 and store distributed ledgers related to user's insurance subscription information and insurance payment information. For example, when a distributed ledger is generated in the service providing server 200, the generated distributed ledger may be shared with at least one node. At least one node may be a private internal node provided by the service providing server 200 .

Through this, users can conveniently subscribe to insurance without paying insurance premiums, and insurance companies can improve security by preventing information leakage and hacking of insurance subscribers.

2 is a schematic diagram illustrating a user terminal according to an embodiment of the present invention.

1 and 2 , the user terminal 100 includes a communication unit 110 , a display unit 120 , a sensor 130 , a storage unit 140 , an electronic wallet 150 , and a processor 160 .

The communication unit 110 connects the user terminal 100 to enable communication with an external device. The communication unit 110 may be connected to the service providing apparatus 200 using wired/wireless communication to transmit/receive various information. Specifically, the communication unit 110 may transmit insurance subscription request data or user's exercise information to the service providing server 200 , and may receive information indicating completion of insurance subscription from the service providing server 200 . The communication unit 110 transmits the request data for requesting a new insurance product subscription or extension of the subscription period of an insurance product already subscribed to to the service providing server 200, and completes the subscription for the new insurance product from the service providing server 200 information indicating that the subscription period extension is completed may be received. The communication unit 110 may transmit the request data for the insurance money claim to the service providing server 200 , and may receive information indicating the insurance money payment result from the service providing server 200 .

The display unit 120 may display various contents (eg, text, image, video, icon, banner or symbol, etc.) to the user. Specifically, the display unit 120 may display various interface screens for applications, programs, widgets, web browsers, etc. for insurance subscription, claim and insurance payment as compensation according to the user's exercise information. For example, various interface screens include an interface screen for acquiring user information, an interface screen showing information on insurance products that a user can subscribe to, information on insurance products subscribed by the user, and claim information for claiming insurance. It may include an interface screen and/or an interface screen showing the result of insurance claim.

In various embodiments, the display unit 120 may include a touch screen, for example, a touch, a gesture, a proximity, a drag, and a swipe using an electronic pen or a part of the user's body. A swipe or hovering input may be received.

The sensor 130 may acquire exercise information such as the number of steps and/or heart rate of the user. For example, the sensor 130 may include a step count sensor such as an acceleration sensor, a gravity sensor, or an inertial sensor that measures the number of steps of the user, and/or a heart rate sensor that measures the heart rate of the user.

The storage unit 140 may store various data used for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. Specifically, the storage unit 140 may store an application, program, widget, or web browser for insurance subscription, claim and insurance payment as compensation according to the user's exercise information.

In various embodiments, the storage unit 140 may include a flash memory type, a hard disk type, a multimedia card micro type, and a card type memory (eg, SD or XD). memory, etc.), Random Access Memory (RAM), Static Random Access Memory (SRAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Programmable Read-Only Memory (PROM) , a magnetic memory, a magnetic disk, and an optical disk may include at least one type of storage medium. The user terminal 100 may operate in relation to a web storage that performs a storage function of the memory 140 on the Internet.

The electronic wallet 150 is a module for storing and using the cryptocurrency provided by the service providing server 200 , and may be a program installed in the user terminal 100 . The electronic wallet 150 may have the form of a hot wallet or a cold wallet, but is not limited thereto.

The processor 160 is operatively connected to the communication unit 110 , the display unit 120 , the sensor 130 , the storage unit 140 , and the electronic wallet 150 , and purchases and claims insurance as compensation according to the user's exercise information. and various orders for payment of insurance money. Specifically, the processor 160 executes an application, program, widget or web browser for insurance subscription, claim and insurance payment as compensation according to the user's exercise information, and executes the executed application, program, widget or web browser, etc. Through this, various data may be transmitted and received with the service providing server 200 . In the following

The processor 160 may obtain exercise information of the user through the sensor 130 , and transmit the obtained exercise information to the service providing server 200 through the communication unit 110 . The processor 160 may receive information about an insurance product that a user can subscribe to from the service providing server 200 , and display an interface screen indicating the received information through the display unit 120 . In various embodiments, the processor 160 may display an interface screen indicating information on insurance products that the user can subscribe to as a reward for the exercise information together with the user's exercise information. The interface screen may be an interface screen for selecting an insurance product for subscription.

When a specific insurance product for subscription is selected through the interface screen, the processor 160 may display an interface screen for acquiring user information used for subscribing to a specific insurance product. The corresponding interface screen may include input areas for inputting user information. For example, the interface screen may display personal information such as the user's name, age, gender, address, contact information, etc., medical information such as the user's medical history or health condition, activity information such as job information, financial information, travel itinerary, etc., and whether or not a car is owned. It may include an input area for inputting at least a part of information about a moving means, such as, etc. When the input of user information by the user is completed, the processor 160 may transmit insurance subscription request data including user information to the service providing server 200 for subscription to a specific insurance product. When subscription for a specific insurance product is completed by the service providing server 200, the processor 160 receives information indicating that insurance subscription is completed from the service providing server 200, and displays an interface screen indicating the received information. can In various embodiments, the processor 160 may receive subscription details for a specific insurance product subscribed by the user, and display an interface screen indicating the received subscription details.

After the user's insurance subscription is completed, the processor 160 periodically acquires the user's exercise information through the sensor 130 to sign up for a new insurance product or display an interface screen for extending the subscription period for the insurance product the user has subscribed to. can provide For example, the processor 160 transmits the periodically acquired exercise information to the service providing server 200 or transmits request data for subscribing to a new insurance product according to the periodically acquired exercise information to the service providing server 200 . can be passed to The processor 160 may receive information about a new insurance product that the user can subscribe to from the service providing server 200 , and display an interface screen indicating the received information. The interface screen may include a button or icon for selecting a new insurance product for subscription. When a new insurance product for subscription is selected, the processor 160 may display an interface screen for acquiring user information used to subscribe to the new insurance product. When user information is obtained through the interface screen, the processor 160 may transmit insurance subscription request data including the obtained user information to the service providing server 200 . In various embodiments, the processor 160 may transmit only insurance subscription request data to the service providing server 200 in order to subscribe to a new insurance product using existing user information. When the subscription for a new insurance product is completed by the service providing server 200, the processor 160 receives information indicating that insurance subscription is completed from the service providing server 200, and displays an interface screen indicating the received information. can

In various embodiments, the processor 160 transmits the periodically acquired exercise information to the service providing server 200, or provides request data for extending the period of an insurance product already subscribed according to the periodically acquired exercise information to the service providing server (200) can be passed. The processor 160 may receive information on an insurance product for which the period can be extended from the service providing server 200 , and display an interface screen indicating the received information. For example, the interface screen may include an icon or a button for requesting a period extension for an insurance product already subscribed to. Through this, when the period extension is requested, the processor 160 may transmit the request data for the extension of the subscription period to the service providing server 200 . When the period extension is completed by the service providing server 200 , the processor 160 may receive information indicating that the period extension is completed from the service providing server 200 , and may provide an interface screen indicating the received information.

In various embodiments, the processor 160 transmits request data for requesting to subscribe for all insurance products that the user can subscribe to or for requesting subscription for an insurance product suitable for the user from among the insurance products that the user can subscribe to to the service providing server 200 . ) can be passed as For example, if the user owns a car and the user does not subscribe to car insurance, the processor 160 may receive information about car insurance from the service providing server 200 . In this case, the processor 160 may display an interface screen for subscribing to car insurance according to the received information so that the user can subscribe to car insurance.

For the insurance claim, the processor 160 may display an interface screen for obtaining claim information. The interface screen may include an input area for inputting claim information and/or a graphic object corresponding to an upload function for uploading supporting materials. When claim information is input through the interface screen, the processor 160 may transmit the request data for claiming the insurance money including the claim information to the service providing server 200 . When the payment of insurance money from the service providing server 200 is completed, the processor 160 may receive the cryptocurrency paid from the service providing server 200 as insurance money through the electronic wallet 150 . The processor 160 may receive information indicating the insurance payment result from the service providing server 200 , and may display an interface screen indicating the received information.

3 is a schematic diagram illustrating a service providing server according to an embodiment of the present invention.

1 and 3 , the service providing server 200 includes a communication unit 210 , a storage unit 220 , and a processor 230 .

The communication unit 210 connects the service providing server 200 to communicate with an external device. The communication unit 210 may be connected to the user terminal 100 using wired/wireless communication to transmit/receive various information. Specifically, the communication unit 210 may receive insurance subscription request data or user's exercise information from the user terminal 100 , and transmit information indicating completion of insurance subscription to the user terminal 100 . The communication unit 210 receives request data for requesting a new insurance product subscription or an extension of the subscription period of an insurance product already subscribed from the user terminal 100 , and information indicating completion of subscription for a new insurance product with the user terminal 100 . Alternatively, information indicating that the extension of the subscription period is completed may be transmitted. The communication unit 210 may receive the request data for claiming the insurance money from the user terminal 100 , and transmit information indicating the insurance payment result to the user terminal 100 .

The storage unit 220 may store various data used for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. The storage unit 220 may store user information for each user, insurance subscription information, claim information, insurance payment details, and the like. The storage unit 200 may include a block chain database 225 for storing at least one distributed ledger including transaction information for each user.

The processor 230 is operatively connected to the communication unit 210 and the storage unit 220 , and may perform various commands for insurance subscription, claim, and insurance payment as compensation according to the user's exercise information. Specifically, the processor 230 receives the user's exercise information from the user terminal 100 through the communication unit 210 , and transmits information on the insurance product that the user can subscribe to according to the user's exercise information to the user terminal 100 . can transmit

When insurance subscription request data for subscribing to an insurance product is received from the user terminal 100, the processor 230 may determine whether the user can subscribe to the corresponding insurance product based on user information included in the insurance subscription request data. . The processor 230 may determine whether a subscription condition for subscribing to an insurance product is satisfied by checking user information. For example, the processor 230 may determine whether user information satisfies a subscription condition using a machine learning technique, and may use various techniques other than machine learning.

When the user information satisfies the subscription condition, the processor 230 may subscribe to an insurance product and generate insurance subscription information including user information and insurance product information for the corresponding insurance product. The processor 230 may generate transaction information including insurance subscription information, record the transaction information in the distributed ledger, and store the distributed ledger in the blockchain database 225 . The processor 230 may transmit information indicating completion of insurance subscription to the user terminal 100 . In various embodiments, the processor 230 may transmit detailed insurance information about the insurance product subscribed by the user to the user terminal 100 together with information indicating completion of the subscription.

In various embodiments, the processor 230 periodically receives the user's exercise information from the user terminal 100 and provides the user terminal 100 with information on a new insurance product that the user can subscribe to according to the received exercise information. can When subscription request data for a new insurance product is received from the user terminal 100 , the processor 230 may determine whether the user can subscribe to a new insurance product based on user information included in the subscription request data. When the user can subscribe to a new insurance product, the processor 230 may subscribe to the new insurance product. The processor 230 may generate transaction information including insurance subscription information for a new insurance product, record the generated transaction information in the distributed ledger, and store the distributed ledger in the blockchain database 225 . In various embodiments, the processor 230 may subscribe to a new insurance product using existing user information.

In various embodiments, the processor 230 periodically receives the user's exercise information from the user terminal 100, and provides information for extending the subscription period for an insurance product already subscribed according to the received exercise information to the user terminal 100. can be provided as When the request data requesting the extension of the period is received from the user terminal 100 , the processor 230 may extend the subscription period for the existing insurance product and generate transaction information including information on the extended subscription period. The processor 230 may record the generated transaction information in the distributed ledger and store the corresponding distributed ledger in the blockchain database 225 . The processor 230 may transmit information indicating that the period extension is completed to the user terminal 100 .

In various embodiments, when the user's exercise information is periodically received from the user terminal 100 , the processor 230 automatically subscribes to a new insurance product that the user can subscribe to, or the user subscribes according to the received exercise information. Term extensions for insurance products can be performed automatically. In this case, the processor 230 may use the existing user information to subscribe to a new insurance product that the user can subscribe to or to extend the period for the insurance product the user has subscribed to. The processor 230 generates transaction information including insurance subscription information for a new insurance product or information on an extended subscription period, records the generated transaction information in a distributed ledger, and stores the distributed ledger in the blockchain database 225 ) can be stored in Through this, insurance subscription can be automatically performed according to the user's exercise information without the user's request, or the period of an existing insurance product can be automatically extended.

4 is a schematic flowchart for explaining a method of performing insurance subscription with compensation according to user's exercise information in the service providing server according to an embodiment of the present invention.

1 and 4, the service providing server 200 receives user information for requesting insurance subscription as compensation according to the user's exercise information from the user terminal 100 (S400), and based on the user's insurance subscription (S410). Specifically, the service providing server 200 receives the user's exercise information from the user terminal 100 , and transmits information on at least one insurance product that the user can subscribe to to the user terminal 100 . When subscription request data for a specific insurance product is received from the user terminal 100 , the service providing server 200 determines whether the user can subscribe to a specific insurance product by checking user information included in the subscription request data. When it is determined that the user can subscribe to a specific insurance product, the service providing server 200 generates insurance subscription information including user information and information on the specific insurance product the user has subscribed to.

The service providing server 200 generates transaction information including the user's insurance subscription information (S420), records the generated transaction information in the distributed ledger, and stores the corresponding distributed ledger (S430).

5 is a schematic flowchart for explaining a method of paying an insurance money according to an insurance claim in the service providing server according to an embodiment of the present invention.

1 and 5 , the service providing server 200 receives claim information for an insurance claim from the user terminal 100 ( S500 ), and pays insurance money based on the received claim information and the user's insurance subscription information The examination is performed (S510). Specifically, the service providing server 200 determines whether the user's claim information includes essential claim information required for insurance payment based on the claim information and the user's insurance subscription information. The service providing server 200 determines the payment of insurance money when the claim information includes essential claim information, and the insurance amount to be paid based on the user information, insurance subscription information, and insurance money for other users who have subscribed to a specific insurance product. set the

The service providing server 200 pays the insurance money to the user's electronic wallet according to the insurance payment review (S520), and generates transaction information including information on the insurance payment (S530). The service providing server 200 records the generated transaction information in the distributed ledger and stores the corresponding distributed ledger (S540). Specifically, the service providing server 200 uses the user's electronic wallet address included in the user information to pay the cryptocurrency corresponding to the insurance money to the user's electronic wallet. The service providing server 200 generates transaction information including insurance payment details indicating that a specific amount of cryptocurrency has been paid to the user's electronic wallet, records the generated transaction information in the distributed ledger, and stores the distributed ledger in the blockchain database ( 225) is stored.

As described above, according to the present invention, by performing insurance subscription as compensation according to the user's exercise information and paying cryptocurrency as insurance money when claiming insurance money, the user can conveniently subscribe to insurance without the burden of insurance money.

In addition, the present invention records, stores and manages information related to a user's insurance subscription, insurance claim, and payment of insurance money in a block chain, thereby increasing security by preventing an insurance company from leaking and hacking insurance subscribers' information.

The apparatus and method according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination.

The program instructions recorded on the computer readable medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the computer software field. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - Includes magneto-optical media and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. In addition, the above-mentioned medium may be a transmission medium such as an optical or metal wire or waveguide including a carrier wave for transmitting a signal designating a program command, a data structure, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Although the embodiments of the present invention have been described in more detail with reference to the accompanying drawings, the present invention is not necessarily limited to these embodiments, and various modifications may be made within the scope without departing from the technical spirit of the present invention. . Therefore, the embodiments disclosed in the present invention are not intended to limit the technical spirit of the present invention, but to explain, and the scope of the technical spirit of the present invention is not limited by these embodiments. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

100: user terminal
110: communication department
120: display unit
130: sensor
140: storage
150: electronic wallet
160: processor
200: service providing server
210: communication unit
220: storage
225: Blockchain Database
230: processor
1000: Blockchain-based insurance service provision system

Claims (1)

A method of providing a blockchain-based insurance service performed by a processor of a blockchain-based insurance service providing device, the method comprising:
Receiving user information for requesting insurance subscription as compensation according to the user's exercise information from the user terminal;
performing insurance subscription of the user based on the received user information;
generating transaction information including insurance subscription information of the user when the insurance subscription is completed; and
Recording the generated transaction information in a distributed ledger and storing the distributed ledger in a storage unit of the block chain-based insurance service providing device. Way.

Images