| 摘要 |
PURPOSE: A server and a method for providing customized insurance products, and a system using the same can provide customized products to clients corresponding to client interests grasped by collecting and analyzing the service record of mobile terminals of the clients. CONSTITUTION: A method for providing a customized insurance product is as follows: a step of storing insurance information and items in an insurance product database (S401); a step of collecting the communication information of a client (S402); a step of extracting evaluation elements corresponding to evaluation items from the collected communication information (S403); a step of calculating the sum of weighted values of the evaluation elements (S404); a step of comparing the sum with a predetermined limit value (S405); a step of searching a history of a mobile terminal which receives information on the same insurance product in the past if the sum of the weighed values is greater than the predetermined limit value (S406); a step of providing the information on the insurance product if the history does not exist (S407); a step of calculating a premium of the insurance product and transmitting the premium to the mobile terminal (S408); a step of approving the payment of the premium (S409); a step of transmitting the personal information of the client to an insurance company server (S410); a step of transmitting an insurance policy and an URL address accessing to the insurance policy (S411). [Reference numerals] (S401) Storing insurance information and evaluation items; (S402) Collecting the communication information of a client; (S403) Extracting evaluation elements corresponding to evaluation items from the collected communication information; (S404) Calculating the sum of weighted values of the evaluation elements; (S405) Sum weighted values >= a predetermined limit value?; (S406) Is there a history of sending insurance information?; (S407) Providing the information on the insurance product to a mobile communication terminal; (S408) Transmitting the premium of the insurance product to the mobile terminal; (S409) Approving the payment of the premium; (S410) Transmitting insurance application information to an insurance company server; (S411) Receiving insurance information from an insurance company server |
