KR101706584B1 - Server and computer program for providing financial instruments - Google Patents

Abstract

Disclosed is a computer program stored on a computer-readable medium for causing a computer to perform the following steps in accordance with an embodiment of the present invention for realizing the above-mentioned problems. Wherein the steps comprise: obtaining contract information including insured information for an inheritance-based financial product and one or more species insured information; Setting at least one event information to be generated for each of the one or more class insured persons, the event information including at least object information for each of at least one event and object information to be provided to the insured person in correspondence with each of the at least one event -; Determining an object to be provided to the endorsed insurer based on the set one or more event information as a due date for each event arrives; And determining the amount to be paid to the endorsed person based on the money accumulated or deposited until the scheduled date of the final event as the scheduled date of the last event among the scheduled dates for the set event arrives.

Description

Technical Field [0001] The present invention relates to a computer program and a server for providing financial products,

The present invention relates to a computer program for providing a financial product, and more particularly, to a computer program and a server for providing a successive financial product.

Generally, insurance can be broadly divided into two categories: protection insurance that guarantees life and insurance against diseases and accidents, and savings insurance that invests in long-term savings and investments for the future. These insurance cover the risk of illness and accident, prepare for the economic loss of the shaken family in unpredictable deaths of the family, prepare for the old age in preparation for the unprepared old age, It is a necessary safety device. However, until now, insurance provides only products that focus on protecting the economic loss of the family members (ie, products that prepare for misfortune), but they do not provide an eccentric product that helps family members I can not.

Recent demographic trends in which the average life expectancy is prolonged and the fertility rate of the child is decreasing may lead to a gradual but not simultaneous role of parents and grandparents, and extend the period of grandparent role. As a result, grandparents 'role in grandparents' lives and grandchildren 's grandchildren' s relationship are becoming more important. The affectionate relationship between grandparents and grandchildren has a significant impact on psychological development over the whole life cycle of grandchildren. Grandparents also feel the continuity of life through their grandchildren and provide grandchildren with experience and wisdom through life, thereby achieving the integration of old age with a sense of production. Therefore, the role of grandparents is being changed to a role that directly supports grandchildren rather than being subject to discipline and respect for grandchildren. Recently, grandparents' interest in education / marriage / economic stability of their grandchildren is increasing. As an alternative to this, the need to donate assets in advance is gradually increasing, preferring a way to support the grandchildren in their life events. In addition, grandparents have a high need for substantial economic support, and they want to be remembered long after the end of the war.

Korean Patent Publication No. KR2015-0046943 proposes a method of providing an insurance product that changes insurance coverage according to a life cycle.

As described above, there is a need to provide successive financial products for pursuing the happiness of family members. In addition, there is a need to provide a method for realizing the love of grandparents and grandchildren. In providing successive financial products, there is a need for grandparents to provide gifts continuously to their grandchildren Lt; / RTI > In addition, there is a need in the industry to raise the meaning of family love so that grandparents can be recalled by receiving gifts at each point in time when major life events of grandchildren occur.

The present invention is to provide a successive financial product that can realize the love of grandparents and grandchildren.

The object of the present invention is to constantly look back at grandparents by providing objects at the time when the main life events of the grandchildren occur.

The present invention aims to provide a meaning of true love to the family by continuously providing funds and objects to the grandchildren even when the grandparents are unharmed.

Disclosed is a computer program stored on a computer-readable medium for causing a computer to perform the following steps in accordance with an embodiment of the present invention. Wherein the steps comprise: obtaining contract information including insured information for an inheritance-based financial product and one or more species insured information; Setting at least one event information to be generated for each of the one or more class insured persons, the event information including at least object information for each of at least one event and object information to be provided to the insured person in correspondence with each of the at least one event -; Determining an object to be provided to the endorsed insurer based on the set one or more event information as a due date for each event arrives; And determining the amount to be paid to the endorsed person based on the money accumulated or deposited until the scheduled date of the final event as the scheduled date of the last event among the scheduled dates for the set event arrives.

A server for providing financial products in accordance with an embodiment of the present invention is disclosed. Here, the server may include: a receiving unit for obtaining contract information including insured information about an inheritance-type financial product and at least one kind of insured information; Setting one or more event information to be generated for each of the one or more class insured persons and determining an object to be provided to the class insured person based on the scheduled date for each event based on the set one or more sets of event information, A control unit for determining an amount to be paid to the endorsed insured based on money accumulated or deposited until a date of the final event due to arrival of a final event scheduled date for the set event, And object information to be provided to the subject insured in correspondence with each of the one or more events; And a transmitter for transmitting the information on the determined amount, the event information, and the object information to a user terminal or another server.

According to an embodiment of the present invention, it is possible to provide a successive financial product capable of realizing the love of grandparents and grandchildren.

According to an embodiment of the present invention, grandparents can be continuously recalled by providing objects at each time when a main life event of a grandchild occurs.

According to one embodiment of the present invention, even when the grandparents are out of control, the meaning of true love of the family can be improved by continuously providing funds and objects to the grandchildren.

Some of the embodiments are shown in the accompanying drawings, in which the features of the present disclosure referred to above are understood in detail, with the following detailed description, and with reference to the following embodiments. In addition, like reference numerals in the drawings are intended to refer to the same or similar functions throughout the several views. It should be understood, however, that the appended drawings illustrate only typical exemplary embodiments of the present invention, and are not to be considered limiting of its scope, and that other embodiments having the same effect may be fully recognized Please note.
1 is a conceptual diagram of a network including a server, a user terminal, and another server according to an embodiment of the present invention.
Figure 2 illustrates components of a server in accordance with an embodiment of the present invention.
Figure 3 illustrates a flowchart of a method for providing a succession-based financial product to be provided to a claimant in accordance with an embodiment of the present invention.
Figure 4 illustrates a flowchart of a method for receiving funds deposited or deposited on a successive financial instrument to be provided to an insured in accordance with an embodiment of the present invention.
FIG. 5 is a conceptual diagram of a method for providing an object to an insured person according to an event occurrence date according to an embodiment of the present invention.

Various embodiments and / or aspects are now described with reference to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of one or more aspects. However, it will also be appreciated by those of ordinary skill in the art that such aspect (s) may be practiced without these specific details. The following description and the annexed drawings set forth in detail certain illustrative aspects of one or more aspects. It is to be understood, however, that such aspects are illustrative and that some of the various ways of practicing various aspects of the principles of various aspects may be utilized, and that the description set forth is intended to include all such aspects and their equivalents.

In addition, various aspects and features will be presented by a system that may include multiple devices, components and / or modules, and so forth. It should be understood that the various systems may include additional devices, components and / or modules, etc., and / or may not include all of the devices, components, modules, etc. discussed in connection with the drawings Must be understood and understood.

As used herein, the terms "an embodiment," "an embodiment," " an embodiment, "" an embodiment ", etc. are intended to indicate that any aspect or design described is better or worse than other aspects or designs. . As used herein, the terms 'component,' 'module,' 'system,' 'interface,' and the like generally refer to a computer-related entity and include, for example, hardware, It can mean software.

In addition, the term "or" is intended to mean " exclusive or " That is, it is intended to mean one of the natural inclusive substitutions "X uses A or B ", unless otherwise specified or unclear in context. That is, X uses A; X uses B; Or when X uses both A and B, "X uses A or B" can be applied to either of these cases. It should also be understood that the term "and / or" as used herein refers to and includes all possible combinations of one or more of the listed related items.

It is also to be understood that the term " comprises "and / or" comprising " means that the feature and / or component is present, but does not exclude the presence or addition of one or more other features, components and / It should be understood that it does not. Also, unless the context clearly dictates otherwise or to the contrary, the singular forms in this specification and claims should generally be construed to mean "one or more. &Quot;

As used herein, the terms "information" and "data" are often used interchangeably.

In addition, the terms "client", "customer" and "user", as used herein, are often used interchangeably. Furthermore, the terms "component" and "element ", as used herein, are also often used interchangeably.

1 is a conceptual diagram of a network including a server, a user terminal, and another server according to an embodiment of the present invention.

1, the system 100 may be comprised of a server 101, a user terminal 103, another server 105, and a network 110. [

It should also be appreciated that the components that make up the system 100 shown in Figure 1 are illustrative and that only some of the components may constitute the system 100 or that additional components ).

The server 101 may exchange various information by communicating with the user terminal 103 and the other server 105 according to an embodiment of the present invention. Further, the server 101 may be integrated with the other server 105 as one. Here, specific contents to be performed by the server 101 will be described later with reference to FIG. 2 and FIG.

In addition, the other server 105 may include an Enterprise Application Integration (EAI) server, a result data receiving server of an external search engine, an object information providing server, an insurance company server, and / or a billing server. Also, the other server 105 according to an aspect of the present invention may include a call center server (not shown) so that the information and / or data collected from the server 101 may include information collected from the call center server and / Data. The other server 105 may also provide at least a portion of the funds accumulated or deposited in the successive financial instrument to the user terminal 103. At this time, the other server 105 may receive from the server 101 information on the amount to be paid to the insured person or insured person, event information, and object information. In this case, the other server 105 can transmit various information (for example, money information, object information and location information of the insured or insured person) to the user terminal 103 to be provided to the insured person or insured person based on the received information have.

According to an embodiment of the present invention, the other server 105 may be an object information archive server. The object information archive server described herein refers to a server that stores and manages object information entrusted by an insured person. The server 101 may obtain contract information including the insured information and one or more types of insured information from the user terminal 103 (see FIG. 3). The server 103 may set one or more event information to be generated for each of the one or more class insured persons. In addition, the server 101 transmits object information to be provided to the socially insured person to the other server 105 (i.e., the object information archive server) according to the scheduled date for each event based on the set one or more event information . Here, the object information archive server may transmit the received object information to the user terminal 103 (e.g., an object management staff terminal or an FC terminal). In this case, the object may be delivered to the endorser by the FC or the employee. In addition, the server 101 may transmit object information to the user terminal 103 (e.g., an object management staff terminal or an FC terminal). Furthermore, the object information archive server may be an object information archive apparatus. For example, the object information storage device may be a user equipment, a mobile, a PC capable of wireless communication, a cellular phone, a kiosk, a cellular phone, a cellular, a cellular terminal, a subscriber unit, a subscriber station, a mobile station, But is not limited to, a terminal, a user agent, a portable device having a wireless connection capability, any device capable of using a wireless connection mechanism, such as a wireless modem, and the like.

According to an embodiment of the present invention, the other server 105 includes, for example, an Enterprise Application Integration (EAI) server, a result data receiving server of an external search engine, an insurance management operation server, a call center server and / You may. Also, the other server 105 according to an aspect of the present invention may include a call center server (not shown) so that information and / or data collected from the server includes information and / or data collected from the call center server can do. Furthermore, the above-described insurance management operation server may be a money management server including a premium payment server, a requested money payment server, and a loan server.

In addition, the other server 105 may be integrated into the server 101.

The server 101 may transmit and receive various information through the network 110 to the user terminal 103 and the other server 101 according to an embodiment of the present invention. Such various information may include, for example, information on insured persons, classified insured persons, identification information, availability of insured persons, contract information, event information, object information, succession ratio information, subscription insurance information, And condition information.

The above-described information may be input via the user terminal 103 or may be generated by the server 101. [ The above-described information may be stored in a database of the server 101 or a computer-readable storage medium. In accordance with an aspect of the present invention, a computer-readable storage medium may be included within the user terminal 103 and other servers 101.

Such storage media may include any type of storage medium in which programs and data are stored so that they can be read by a computer system. According to one aspect of the present invention, such medium may be a ROM (Read Only Memory), a RAM (Random Access Memory), a CD (Compact Disk) -ROM, a DVD Storage devices, and the like, and may also be implemented in the form of a carrier wave (e.g., transmission over the Internet). Additionally, such media may be distributed over a system coupled to the network 110, and may store computer readable codes and / or instructions in a distributed manner.

According to an embodiment of the present invention, the user terminal 103 may be a user equipment, a mobile, a PC, a mobile phone, a kiosk, a cellular phone, a cellular, a cellular terminal, a subscriber unit, , A PDA, a remote terminal, an access terminal, a user agent, a portable device having a wireless connection capability, any device capable of using a wireless connection mechanism, such as a wireless modem, and the like.

Such a user terminal 103 may also be referred to as any device capable of using a wired connection mechanism such as a wired facsimile, a PC having a wired modem, a wired telephone, a terminal capable of wired communication, It does not.

In a further aspect of the present invention, the user terminal 103 may be used by an insurance company employee or an insurance planner (FC). In this case, the user terminal 103 may be referred to as an enterprise terminal, a window terminal, or an FC terminal or the like. Although not shown in the present specification, such terminals will be collectively referred to as enterprise terminals.

In addition, the server 101 may provide different services for each of the user terminals 103 by various users. That is, each of the user terminals 103 can be allowed or restricted to access specific data. Alternatively, the user terminal 103 is allowed only to access / receive the insured person information, the category insured person information, the contract information, and the event information, and access to some of the insurance information can be restricted. In addition, the user terminal 103 may be allowed or restricted to access specific data, and access to all data may be allowed.

In addition, the server 101 may distribute a program such as an application to the user terminal 103. The input and output screens of the user terminal 103 and the enterprise terminal may be different depending on the setting of the program distributed by the server 101 (that is, application or the like).

In an embodiment of the present invention, when a specific application distributed by a particular insurance company is installed and executed in the user terminal 103 and / or the enterprise terminal, the customer, financial company employee and / or insurance agent (FC) The server 101 may communicate with the user terminal 103 and / or the enterprise terminal via the network 110 so as to enjoy the services.

The user terminal 103 can perform communication with the server 101 and / or the enterprise terminal, inquire about various information, claim insurance, and generate contract information for the insurance product.

The enterprise terminal can perform communication with the server 101 and the user terminal 103, and the like. In addition, the enterprise terminal may perform the operations performed in the server 101 described above.

In addition, the network 110 may form a channel for data communication between the server 101, the user terminal 103, the enterprise terminal, and the other server 105.

The terms "system" and "network ", as used herein, are often used interchangeably.

The network 110 shown here may be a Public Switched Telephone Network (PSTN), a Digital Subscriber Line (xDSL), a Rate Adaptive DSL (RADSL), a Multi Rate DSL (MDSL), a Very High Speed DSL Such as Universal Asymmetric DSL (UADSL), High Bit Rate DSL (HDSL), and Local Area Network (LAN).

In addition, the network 110 may be a CDMA (Code Division Multiple Access), a TDMA (Time Division Multiple Access), an FDMA (Frequency Division Multi Access), an OFDMA (Orthogonal Frequency Division Multiple Access) FDMA) and other systems.

The techniques described herein may be used in other networks as well as in the networks mentioned above.

The network 110 according to an aspect of the present invention may be configured without discriminating the communication modes such as wired and wireless and may be connected to various communication networks such as a personal area network (PAN), a wide area network (WAN) . Also, the network 110 may be a known World Wide Web (WWW) or may use a wireless transmission technology used for short-distance communication such as infrared (IrDA) or Bluetooth have.

Figure 2 illustrates components of a server in accordance with an embodiment of the present invention.

The server 101 may include a receiving unit 201, a controlling unit 203, a transmitting unit 205, and a database unit 207 according to an aspect of the present invention.

The components constituting the server 101 in FIG. 2 are exemplary and only some of the components may constitute the server 101 or additional components (s) other than the components may be included in the server 101 have.

Additionally, in accordance with an aspect of the present invention, the components shown in Figure 3 may be components of the user terminal 103 and / or enterprise terminal. In this case, the control unit and the database unit of the user terminal 103 and / or the enterprise terminal may perform at least a part of the operations and functions of the server control unit 203 and the database unit 207 described below. Alternatively, the user terminal 103 and / or the receiver of the enterprise terminal may receive information and data required from the server 101. [ The display of the user terminal 103 and / or the enterprise terminal may display information received from the server 101 and / or generated by its control. Alternatively, at least a portion of the components of the server 101 described below may be replaced by components of the user terminal 101 and / or enterprise terminal.

The server 101 may include a receiving unit 201 according to an embodiment of the present invention. The receiving unit 201 may receive contract information including the insured person information and one or more kinds of insured persons information from the user terminal 103. Additionally, the receiving unit 201 may collect and / or receive information related to insurance (e.g., contract information, product information, identification of the insured and one or more species insured, etc.) from the user terminal 103 via the network 110 have. Also, the receiving unit 201 may receive an access request message and / or an inquiry request message for various information from the user terminal 103. In a further aspect of the present invention, the receiving unit 201 may collect and / or receive insurance-related information (e.g., successive financial product information, etc.) from the other server 105 via the network 110.

The controller 203 may control overall operations of the server 101 according to an embodiment of the present invention. The control unit 203 may store the data received and collected by the receiving unit 201 in the database unit 207. [ Also, the control unit 203 can parse the data received by the receiving unit 201 and generate recommendation insurance information or the like for the received data. The generation of such recommendation insurance information can be performed by retrieving necessary information from the database unit 207. [

The control unit 203 may set one or more event information to be generated for each of the one or more class insured persons. The control unit 203 can determine an object to be provided to the endorsed person based on the scheduled date for each event based on the set one or more event information. The control unit 203 can determine an amount to be paid to the endorsed person based on the money accumulated or deposited until the scheduled date of the final event as the scheduled date of the last event among the scheduled dates for the set event arrives (see FIG. 3) .

In addition, the control unit 203 may change the setting of the successive financial product depending on whether or not the insured person is present. For example, the control unit 203 can be set as a savings-type or guarantee-type financial product when the insured person is alive. In addition, when the insured person advances, the control unit 203 can change to a trust-type financial product. Furthermore, the control unit 203 may transmit the calculated fund information to the user terminal 103 based on the succession ratio information among the accumulated funds. Here, the control unit 203 can reset the calculated fund information in such a manner as pension receipt, lump sum receipt, autonomous receipt and division receipt based on the money receipt system information received from the user terminal 103. [

According to one embodiment of the present invention, the control unit 203 may categorize the same or similar insured or classified insured persons into one or more groups according to a predetermined criterion. Specifically, the categorization is for systematically and analytically managing insured persons (that is, insured persons and dignified insured persons) based on the subscription insurance information. The predetermined criterion may also include criteria for at least one of age information, occupational information and local information, and subscription insurance information for a plurality of insured persons. In addition, the control unit 203 may categorize the insured subscribers having the same recommendation insurance information into one or more groups. In this case, the control unit 203 can transmit the publicity-related information on the recommendation insurance information to the user terminal 103 owned by the insured members belonging to the related group.

In a further aspect of the present invention, the transmission unit 205 of the server 101 transmits the event information and object information generated by the control unit 203, the accumulated or deposited money information, the successive financial product information and the insured event information, (103). In addition, the transmitting unit 205 may transmit a response message to the user terminal 103 in response to the user's request (e.g., an access request). That is, the transmission unit 205 may transmit a response message to the user terminal 103, for example, a request for subscription insurance information, recommendation insurance information, and successive financial product information. Furthermore, the transmission unit 205 may distribute an application including a user interface related to the financial company to the user terminal 103. [

In addition, the transmission unit 205 may transmit information on the amount determined to be paid to the insured person, the event information, and the object information to another server 105.

In a further aspect of the present invention, the database unit 207 stores information collected from the receiving unit 201 (e.g., information including the insured person and one or more kinds of insured persons information), to generate event information, object information and accumulated or deposited money information Contract information, etc.). The database unit 207 may store various kinds of information required to be provided to the user terminal 103 and may provide the requested information to the user terminal 103 according to the request of the other components in the server 101.

In an aspect of the present invention, the database unit 207 may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (for example, SD or XD memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM) Only memory), a magnetic memory, a magnetic disk, and an optical disk. In a further aspect of the present invention, the server 101 may operate in association with a web storage that performs the storage function of the database portion 207 on the Internet.

The various embodiments described herein may be embodied in a recording medium or storage medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof.

For example, in accordance with a hardware implementation, the embodiments described herein may be implemented as application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs) may be implemented using at least one of field programmable gate arrays, processors, controllers, micro-controllers, microprocessors, and electrical units for performing other functions. The embodiments described in this specification can be implemented by the control unit 203 itself.

In another example, according to a software implementation, embodiments such as the procedures and functions described herein may be implemented with separate software modules. Each of the software modules may perform one or more of the functions and operations described herein. Software code may be implemented in a software application written in a suitable programming language. The software code is stored in the database unit 207 and can be executed by the control unit 203. [

FIG. 3 illustrates a flowchart of a method for providing a succession-based financial product to be provided to an endorser in accordance with an embodiment of the present invention.

The step (s) of some of the steps shown in Fig. 3 may be omitted in accordance with an embodiment of the present invention. Further, the steps shown in FIG. 3 are exemplary and additional steps may also be included within the scope of the present invention.

The steps shown in Fig. 3 may be performed by the server 101 (for example, the control unit 203). For example, the method shown in Fig. 3 can be performed by the hardware of the server 101 or the OS itself. In addition, some or all of the steps shown in FIG. 3 may be implemented or generated by the server 101 to implement it by the user terminal 103 receiving the computed or generated information. Furthermore, at least one of the information to be calculated or generated may be performed by a server (for example, a web server) other than the server 101.

According to one embodiment of the present invention, the server 101 (e.g., the control unit 203) may obtain contract information including insured information for an inheritance type financial instrument and one or more class insured information (301). Here, the insured person may be the grandchild of the insured person. Or the child of the insured person and the child of a great-grandchild. In addition, the successive financial instruments may be set as a savings-type or guarantee-type financial instrument at the time of the survivor's survival, and may be changed to trust-type financial instruments at the time of the insured's stay. The savings-type financial products described here refer to products that can save funds such as pension products, long-term savings products, term deposits, periodic gold and funds, and guarantee type financial products refer to the health of the insured such as life insurance, Which is a financial instrument that guarantees a certain amount of money. In addition, the guarantee type financial product can accumulate at least a certain amount of the payment amount (e.g., 150,000 won when paid 200,000 won), and provide the user with the liquidity of the funds through the accumulated amount.

In addition, the trustworthy financial product described above can be managed by the server 101, in which the insured's unredeemed or deferred funds can be managed. In addition, the trust fund type product can be managed by the server 101 in the form of funds accumulated or deposited irrespective of the insured's indebtedness. At this time, the server 101 may trust and manage the accumulated or deposited funds based on the act of selecting the trust-type financial product by the Assured. In addition, the trust-type financial product can be trustfully operated by the server 101 based on the period set by the insured (for example, the time when the insured 20 years old, the insured's death point, the insured person 80 years old, etc.) Further, the successive financial instruments described above may be changed into one of a savings or guarantee type financial instrument and a trust type financial instrument based on the choice of the insured within the term of the subscription.

A trustworthy financial instrument may also be set up to allow access to fund information that has been accumulated or deposited to one or more endorsed insured persons. For example, when the server 101 (for example, the transmission unit 205) acquires the subscriber's unregistered information, the server 101 may transmit the accumulated or deposited money information to the user terminal 103 used by the subscriber. The server 101 may allow access to the accumulated or deposited fund information from the user terminal 103 used by the slave insured. Or by receiving an access permission request from the user terminal 103, the endorser may allow access to the accumulated or deposited fund information.

In addition, the contract information may further include at least one of payment amount information, payment period information, operating method information, product conversion information, inheritance information, and gift information for the successive financial product. Further, the server 101 may change the inheritance information and the bestowed information according to the insurance contractor, the insured, the beneficiary, and the accumulated or deposited money information included in the contract information. For example, the server 101 may receive inheritance information and bestowal information (e.g., grandparents) according to the policyholder (e.g. grandparent), the insured (e.g. grandparent), the beneficiary (e.g. grandchild) and the deposited or deposited funds information For example, 1 billion x 30% - 60 million yuan).

In addition, step (301) may include obtaining succession ratio information on the accumulated or deposited funds to be provided to each of the one or more species insured from the insured. For example, the server 101 (for example, the receiving unit 201) may transmit succession ratio information (for example, 60%) of the first kind insured person and succession ratio information (for example, 40% And can receive it from the terminal 103. The succession ratio information may also include succession ratio information on the accumulated or deposited funds to be provided to the insured. Specifically, the server 101 stores the successor ratio information (for example, 30%) of the insured person, the succession ratio information (for example, 40%) of the first-class insured person and the succession ratio information And can receive it from the terminal 103.

In accordance with one embodiment of the present invention, the server 101 (e.g., the control unit 203) may determine the type of product of the successive financial instrument for operating the accumulated or deferred funds at least partially based on the contract information (303). The product type described herein may include at least one type of investment type, stable type, and stable investment type. In addition, the investment type is a type in which returns are reflected according to performance by investing in stocks or bonds. Furthermore, the stabilized product type is a type in which the disclosure standard interest rate is applied in accordance with the interest rates of government bonds, corporate bonds, and fixed deposits, which are usually market real interest rates. In addition, the stable investment type is a type that has both characteristics of investment type and stable type of product. Therefore, the stable investment type can limit the investment ratio of the accumulated or deposited funds (for example, the share ratio), and the stable investment ratio for bonds or the disclosure-based interest rate can be specified.

According to an embodiment of the present invention, the server 101 (e.g., the database unit 207) may store a multimedia message containing voice and / or images of grandparents. In this case, the server 101 (for example, the transmission unit 205) may transmit the above-described multimedia message to the user terminal 103 when the event of occurrence of the event of the socially insured event arrives. For example, the server 101 stores a multimedia message (for example, a video including a voice message "00, happy birthday") from the insured person in the database unit 207, The user terminal 103 may transmit the stored multimedia message to the user terminal 103. Here, the server 101 can transmit to the terminal of one of the user terminal 103 (for example, FC terminal) used by the FC or the user terminal 103 used by the endorsed insured. For example, the server 101 transmits a multimedia message to the FC terminal, and the FC can deliver the multimedia message to the insured person while delivering the object (i.e., offline gift) to the insured person. In addition, the FC can transmit the multimedia message to the user terminal 103 used by the endorser by requesting the server 101 to provide the multimedia. In addition, the server 101 may transmit the multimedia message to the user terminal 103 (that is, the terminal used by the insured person) when the event of occurrence of the incident of the insured person arrives.

In addition, the server 101 (e.g., the control unit 203) may set 305 one or more event information to be generated for each of the one or more class insured persons. The event information described herein may include information on a date for each of at least one event. In addition, the due date information may include at least one of the dates of at least one of the birth date, annual anniversary date, entrance date, graduation date, employment date, marriage date, birth date and health outbreak date of at least one insured person. The event information may also include object information to be provided to the individual insured in correspondence with each of the one or more events. And the object information may include at least one of a message, a moving picture, a gift information, and predetermined amount information to be provided to the one or more species insured persons. Furthermore, the moving picture and the online message among the object information can be stored by the server 101 or another server 105. [ Additionally, offline gifts and offline messages of object information can be kept in object storage. In this case, the server 101 transmits event information to the user terminal 103, and the object delivery entity (e.g., FC) can find the offline gift and offline message based on the received event information. Here, the event information may include object position information located in an object storage place.

According to an embodiment of the present invention, the server 101 (for example, the control unit 203) may make modifications to the set one or more event information as the one or more event information to be generated for each of the one or more class insured persons is changed (307). For example, the server 101 may receive event modification information from the insured (e.g., changed to 2015, 02, 16 -> 2015, 02, 14). The server 101 may also modify the event information based on the received information. Here, step (307) may be incorporated between any of steps (301) to (309).

In accordance with one embodiment of the present invention, the server 101 (e.g., the control unit 203) determines, based on the set one or more event information, an object to be provided to the endorsed person (309). Here, the subject determining the object to be provided to the insured person may be the insured person. In this case, the control unit 203 can retrieve and select the object information corresponding to the event information stored in the database unit 207 as the scheduled date for each event arrives. The server 101 can also transmit the selected object information to the user terminal 103 and the other server 105. [

The step (309) may include determining an amount to be paid to each of the one or more class insured persons based on the success ratio information when the final event due date comes. Specifically, the server 101 may provide to each of at least one of the accumulated or insured funds (for example, 100 million won) based on the success rate information (for example, 60% of the first-class insured, 40% (For example, 60 million won for Type 1 insured persons and 40 million won for Type 2 insured persons).

In addition, the server 101 (for example, the control unit 203) determines the amount to be paid to the insured person based on the money accumulated or deposited until the final event date, (311). Then, if the due date for the final event is reached, the contractual information of the succession-type financial instrument may be changed (313) so that more than one species insured is covered by the insured. The reason for changing the contract information of a succession-type financial instrument so that more than one kind of insured is applied as an insured person is to instill the idea of the economy by inducing the succession-type financial product to be transferred to the insured person to manage the accumulated or deposited funds. It is for this reason. In such a case, the dependent insured person may be transferred to the successive financial instruments upon reaching a predetermined age. For example, the server 10 may set contract information of the successive financial product to be insured by the insured at the time when the age of the insured is 20 years old. In addition, the subject who is set to be insured under the prescribed age may be the insured person.

In addition, the server 101 (e.g., the control unit 203) may establish the insured of the succession type financial instrument as the insured of the succession type determined by the insured of the one or more type insured persons. Further, the server 101 may set the insured of the older type among the one or more kinds of insured persons as the insured of the successive financial instruments. The server 101 may also be set up with the insured of the successive financial instrument based on the consensus of one or more class insured persons at a time when the age of one or more class insured persons is all included at a predetermined age.

Further, the server 101 (e.g., the control unit 203) may allow the one or more class insureds to select the fund receiving method (315) if the contract information is changed so that one or more class insured persons are applied as insured persons, . The fund receiving method described here may include at least one of a pension receiving method, a lump sum receiving method, an autonomous receiving method, and a divided receiving method. The server 101 may also generate a scheme through a combination of the above-described fund receipt schemes. For example, the server 101 may provide funds in a self-collection manner for a predetermined period of time, and may provide funds to the insured person through the pension collection method after a predetermined period of time. Further, the server 101 may allow the insured person to change the method of receiving money within the contract period of the successive financial instrument. The server 101 may also allow the fund receipt scheme to be set by the insured. The operations of the server 101 can be performed, for example, in the control unit 203 of the server 101. [

Figure 4 illustrates a flowchart of a method for receiving funds deposited or deposited on a successive financial instrument to be provided to an insured in accordance with an embodiment of the present invention.

The steps (s) of some of the steps shown in Fig. 4 may be omitted in accordance with an embodiment of the present invention. Further, the steps shown in FIG. 4 are exemplary and additional steps may also be included within the scope of the present invention.

The steps shown in Fig. 4 may be performed by the server 101 (for example, the control unit 203). For example, the method shown in Fig. 4 may be performed by the hardware of the server 101 or the OS itself. In addition, some or all of the steps shown in FIG. 4 may be implemented or generated by the server 101 to implement it by the user terminal 103 receiving the computed or generated information. Furthermore, at least one of the information to be calculated or generated may be performed by a server (for example, a web server) other than the server 101.

In addition, steps (301) and (303) to be described below will be omitted because they have been described above with reference to FIG.

According to one embodiment of the present invention, the server 101 (e.g., the control unit 203) may set 401 the one or more insured event information to be generated to the insured. The reason for setting the insured event information here is to make it possible for the insured to use funds accumulated or deposited in successive financial instruments. In addition, the reason for setting the insured event information is to allow the use of the accumulated or deposited funds in the costs incurred in the insured event (for example, sixty-eighth expenses, etc.). In addition, the server 101 may set one or more event information to be generated to the direct survival and direct descendants of the insured.

In addition, the server 101 (e.g., the control 203) may permit 403 the insured to receive at least a portion of the accumulated or deposited funds when one or more insured events arrive. Here, the server 101 may allow the insured person to select a portion of the funds to be accumulated or deposited. For example, the server 101 may allow the insured person to select a portion of the fund (e.g., 10 million won) of the accumulated or deposited funds (for example, 200 million won) when the insured event arrives.

FIG. 5 is a conceptual diagram illustrating a method for providing an object to an endorsed person according to an event occurrence date according to an embodiment of the present invention.

Hereinafter, the technical features of the present invention will be described in more detail with reference to the above-described embodiments.

In one aspect of the present invention, the server 101 (e.g., the control unit 203) may set one or more event information of the insured person by the setting action of the insured person. For example, the server 101 may set the date and time of the insured person's birthday (e.g., 12,10 per year), anniversary (e.g., Christmas 12,25), school enrollment and graduation date (e.g., (For example, at the age of 25 when the insured of the insured who is not covered by the insured person's age is 25 years old), marriage days and years of abandonment Event information such as a child birth date (for example, an object is provided when the (undeclared) insured person's marriage and birth date are registered) can be set. Here, the event information can be modified based on the lifecycle of the species insured person. In addition, the server 101 may set the object information to be provided to the subject insured in response to each of the one or more events set by the insured person. For example, the server 101 may set object information set by the insured person (e.g., message and moving picture information to be provided for each anniversary).

In accordance with one embodiment of the present invention, the server 101 (e.g., the control unit 203) may determine the object to be provided to the endorsed person as the due date for each event arrives (see FIG. 3). Here, the object information may be the gift information or the predetermined amount information. For example, the gift may be an article (e.g., a ring) prepared by the insured person in advance. As shown in FIG. 5, when the scheduled date for each event arrives, the endorsed person can receive the gift set by the insured person. In this case, the insured person can purchase the item corresponding to the event by receiving the predetermined amount. In addition, the covered insured person may be provided with the prescribed amount offline via the FC or provided online. In addition, the insured person can purchase the object by receiving predetermined amount information and a message to be provided on each anniversary. For example, a socially insured person may buy a computer that he or she would like to have when he / she enters an elementary school, celebrating admission (for example, 2 million won) and a message to be provided on anniversary (For example, a computer) can be purchased.

In one or more exemplary implementations, the functions presented herein may be implemented in hardware, software, firmware, or a combination thereof. When implemented in software, the functions may be stored on or transmitted via one or more instructions or code on a computer readable medium. Computer-readable media includes computer storage media and communication media including any medium for facilitating transfer of a computer program from one place to another. The storage medium may be any general purpose computer or any available medium that can be accessed by a special purpose computer. By way of example, and not limitation, such computer-readable media can comprise any form of computer readable medium, such as RAM, ROM, EEPROM, CD-ROM or other optical disk storage media, magnetic disk storage media or other magnetic storage devices, But not limited to, a general purpose computer, a special purpose computer, a general purpose processor, or any other medium that can be accessed by a particular processor. In addition, any connection means may be considered as a computer-readable medium. For example, if the software is transmitted from a web site, server, or other remote source over wireless technologies such as coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or infrared radio, and microwave, Wireless technologies such as cable, fiber optic cable, twisted pair, DSL, or infrared radio, and microwave may be included within the definition of such medium. The discs and discs used here include compact discs (CDs), laser discs, optical discs, DVDs, floppy discs, and Blu-ray discs where disc plays the data magnetically, As shown in FIG. The combinations may also be included within the scope of computer readable media.

Those skilled in the art will appreciate that the various illustrative elements, components, logical blocks, modules, and algorithm steps described above may be implemented as electronic hardware, computer software, or combinations thereof. In order to clarify the interchangeability of hardware and software, various illustrative components, blocks, modules and steps have been described in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the overall system. Skilled artisans may implement these functions in varying ways for each particular application, but such implementation decisions are not necessarily outside the scope of the invention.

The various illustrative logical blocks and modules described in connection with the present disclosure may be implemented or performed with a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, Or transistor logic, discrete hardware components, or any combination designed to implement the functions described herein. A general purpose processor may be a microprocessor; In an alternative embodiment, such a processor may be an existing processor, controller, microcontroller, or state machine. A processor may be implemented as a combination of computing devices, such as, for example, a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or a combination of such configurations.

For a hardware implementation, the various illustrative logic, logic blocks, and modules of processing units described in connection with the aspects disclosed herein may be implemented with one or more application specific integrated circuits (ASICs), digital signal processors (DSPs) Such as digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), discrete gate or transistor logic, discrete hardware components, general purpose processors, Controllers, microprocessors, other electronic units designed to perform the functions described herein, or a combination thereof. The general purpose processor may be a microprocessor, but, in the alternative, it may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented in a combination of computing devices (e.g., a DSP and a microprocessor, a plurality of microprocessors, a combination of one or more microprocessors in conjunction with a DSP core, or any other suitable configuration). Additionally, at least one processor may include one or more modules capable of implementing one or more of the steps and / or operations described herein.

In addition, various aspects or features described herein may be implemented as a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. Moreover, steps and / or operations of a method or algorithm described in connection with the aspects disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. Additionally, in some aspects, steps or acts of a method or algorithm may be present as a machine-readable medium, or as a combination of at least one or any combination of codes or instructions on a computer-readable medium, It can be integrated into computer program stuff. The term article of manufacture as used herein is intended to encompass a computer program accessible from any suitable computer-readable device or medium.

The description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features presented herein.

Claims (14)

As a method for a server to provide financial products,
The method comprising the steps of: obtaining contract information including insured information on a succession-type financial instrument and information on a plurality of types of insured persons, the contract information including information on payment amount information, payment term information, Succession ratio information, and succession condition information;
Establishing one or more insured event information to be generated for the insured person, wherein at least some of the accumulated or deposited funds are allowed to be received by the insured person when the at least one insured event arrives;
The method of claim 1, further comprising the steps of: setting event information of each class insured to be generated for each of the plurality of class insured persons, the class insured event information being set for each of the plurality of class insured persons and being provided to the insured person Object information to be rendered;
Determining to provide an object to each of the plurality of class insureds as a due date for an event for each of the plurality of class insured persons arrives, if the object to be provided to each of the plurality of class insured persons is an offline object, Inserter event information is transmitted to the terminal of the object delivery person so that the object delivery person can deliver the offline object; And
Determining an amount to be paid to each of the plurality of types of insured persons based on the accumulated or deposited money until the final event due date, when a scheduled event date of the final event of the set kind insured event arrives; The amount paid to each of them is determined based on the succession ratio information;
When a succession time set based on the succession condition information arrives, changing a contract of the successive financial instrument so that each of the plurality of longitudinally insured persons is applied as an insured person, the succession time being set for each of the plurality of longitudinally insured persons The succession time is a time after the final event due date, and the amount of succession to each of the plurality of types of insured persons is an amount determined based on the succession ratio information;
Lt; / RTI >
In the case where the asserted event occurs to the insured:
Changing the successive financial instrument to a trust fund type managed by the server; And
Changing a contract of the trust fund type product so that each of the plurality of types of insured persons is applied as an insured person when a succession time set based on the succession condition information arrives, the succession time being set for each of the plurality of types of insured persons , The succession time is a time after the final event scheduled date, and the amount of succession to each of the plurality of types of insured persons is an amount determined based on the succession ratio information;
Further comprising:
The funds of the financial instruments succeeded by each of the above-mentioned multiple insured persons shall be paid in one of the following ways: pension payment, lump sum payment and installment payment,
How the server provides financial products. A server for providing financial products,
A receipt unit for acquiring contract information including insured information on a succession-type financial product and a plurality of types of insured persons information, the contract information including information on payment amount information, payment term information, Succession ratio information, and succession condition information;
A controller configured to set one or more insured event information to be generated for the insured person and to set up information of the sick insured event to be generated for each of the plurality of sorts insured persons; at least a part of the accumulated or deposited funds, when the at least one insured event arrives The insured event information is set for each of the plurality of class insured persons, and the severity insured event information includes at least one of an object to be provided to the insured person Contains information; And
A transmitting unit for transmitting the semi-insured event information to the object delivery terminal so that the object delivery person can deliver the offline object when the object to be provided to the endorsed insured is an offline object;
Lt; / RTI >
The control unit includes:
Determining an amount to be paid to each of the plurality of types of insured persons based on the accumulated or deposited money until the final day of the event, when the scheduled date of the final event of the set kind insured event arrives; Is determined based on the succession ratio information,
When the succession time set based on the succession condition information arrives, the contract of the successive financial product is changed so that each of the plurality of longitudinally insured persons is applied as an insured person, and the succession time is set for each of the plurality of longitudinally insured persons , The succession time is a time after the final event scheduled date, and the amount of succession to each of the plurality of types of insured persons is an amount determined based on the succession ratio information,
The control unit may be configured to, when an assertion event occurs to the insured person:
Wherein the successive financial instrument is changed into a trust fund type financial instrument managed by the server,
Wherein when the succession time set based on the succession condition information arrives, the agreement of the trust fund type product is changed so that each of the plurality of types of insured persons is applied as the insured person, the succession time is set for each of the plurality of types of insured persons, Wherein the succession time is a time after the final event scheduled date, and the amount of succession to each of the plurality of kind insured persons is an amount determined based on the succession ratio information,
Each of the above-mentioned multiple insureds is paid on a pension payment, a lump sum payment, or a partial payment based on the choice of each insured person who has inherited the funds of the succeeding financial instrument.
Server for providing financial products.


delete delete delete delete delete delete delete delete delete delete delete delete

Images