Patent Application Titled “System That Provides Insurance Services Based On Artificial Intelligence” Published Online (USPTO 20230072529): Buttle Information Systems Co. Ltd.

2023 MAR 24 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Washington, D.C., by NewsRx journalists, a patent application by the inventors LEE, Young Han (Gyeonggi-do, South Korea); SHIN, Sung Jae (Seoul, South Korea), filed on October 14, 2021, was made available online on March 9, 2023.

The assignee for this patent application is Buttle Information Systems Co. Ltd. (Seoul, South Korea).

Reporters obtained the following quote from the background information supplied by the inventors: “

“At least one example embodiment relates to a method and system for providing an insurance service based on artificial intelligence (AI).

“An existing insurance service employs a scheme of collectively setting and then publicizing insurance policies of interest by gender and age group to sell insurance products. Therefore, an insurance consulting service is provided through an additional factor, such as a subscription channel, regardless of characteristics of an insurance user or details covered by an insurance product.

“Also, an existing insurance enrollment review, that is, underwriting is performed in consideration of demographic factors and accidental disease triggering factors. However, such factors have a reliability issue since there are many unverifiable parts and there is no choice but to rely heavily on notification details of an insurance user accordingly.

“Also, unlike calculation of an individual risk, an enrollment review is performed based on a statistical basis of the entire population. Therefore, the actual individual risk may be inaccurately, that is, negatively judged.

“From an insurance company’s point of view, it is difficult to individually evaluate an insurance user and to differentiate between insurance companies, making it difficult to develop effective marketing strategies.”

In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventors’ summary information for this patent application: “At least one example embodiment provides a method of providing an insurance service based on artificial intelligence (AI) and constructs a service providing method according thereto.

“At least one example embodiment provides an insurance consulting service optimized for each customer.

“At least one example embodiment provides an insurance consulting service to a customer that fails in an insurance review while providing an insurance consulting service optimized for each customer.

“At least one example embodiment provides real-time/period-specific statistics related to a roboteller and an AI contact center in real time and daily.

“According to an aspect of at least one example embodiment, there is provided a system for providing an insurance service based on artificial intelligence (AI), the system comprising a first terminal configured to provide an insurance consulting service and to filter potential customer information; a server configured to interact with the first terminal, to deliver the filtered potential customer information to the first terminal, and to deliver feedback on a quality of consultation for the insurance consulting service to the first terminal; and a plurality of second terminals configured to interact with the first terminal and the server, to deliver a request for the insurance consulting service to the server, and to receive customized insurance information about each of users from the server.

“The server is configured to display insurance review processing results for insurance applications from the plurality of second terminals on a screen of the first terminal, to when an item for a completion status for a user of which review is not completed is selected from the insurance review processing results, display review results related to an insurance application of the user for each item, and to when an item for which the review results are not completed is selected, generate and output a standard script for a consulting service related to the selected item.

“The server may be configured to control a recorded voice of the user for which review is not completed to be played in the first terminal from a part corresponding to the item for which the review results are not completed, and to send an additional information request for review completion to the second terminal based on the recorded voice.

“The server may be configured to control a number of misguided items among insurance applications for which review is completed to be displayed on the first terminal, to when an item corresponding to the number of misguided items is selected, control information about a misguide-related check item and expression phrase and a corresponding time to be displayed on the first terminal, and to control advisory comments for an insurance reviewer related to the insurance consulting service to be displayed on the first terminal based on results of the misguide-related check item and expression phrase.

“The server may be configured to display a completion status of insurance review, a review item, a completed item, and a completion rate on the first terminal as a screen in a form of a label in association with an AI automatic review processing status for the insurance application, and to display an insurance classification that is a subject of the insurance application, a product classification, a product name, and a standard compliance rate of a consulting service, and a prohibited word detection rate on the first terminal as the screen in the form of the label.

“The server may be configured to control a first statistical screen related to a real-time status, a daily status, and a monthly status for AI automatic review results for the insurance application, a second statistical screen related to a status for each organization and for each type of review, a third statistical screen related to a detailed review status, a fourth statistical screen related to a misguided consultation, a fifth statistical screen related to consultation review criteria, and a sixth statistical screen related to a supplementary review failure call analysis to be generated and displayed on the first terminal.

“The server may be configured to control a first statistical screen including first information about a progress rate, a completion rate, and a retry rate for the insurance application and second information about customer information verification, a delivery of terms, a handwritten signature, a reservation cancellation, and an early cancellation for each customer to be displayed on the first terminal.

“The server may be configured to control statistical results for a retry rate and a retry success rate for each factor including a delivery of terms, a contract cancellation request, an early cancellation, a consent to collection of personal information, an insurance premium discount, and an insurance payment limitation to be displayed on the first terminal as a radial graph in relation to a consulting retry for a contract in which the insurance application is not completed.

“The server may be configured to control a first statistical screen related to roboteller call statistics related to the insurance review processing results for the insurance application, a second statistical screen related to roboteller scenario statistics, a third statistical screen related to a real-time roboteller dashboard related to an insurance consultation, a fourth statistical screen related to statistics for each roboteller item, and a fifth statistical screen related to a speech-to-text (STT) conversion, and a sixth statistical screen related to a daily roboteller dashboard to be generated and displayed on the first terminal.

“According to some example embodiments, it is possible to provide an AI-based automatic insurance review system that provides an insurance consulting service optimized for each customer.

“Also, according to some example embodiments, it is possible to provide an insurance consulting service to a customer that fails in an insurance review while providing an insurance consulting service optimized for each customer.

“Also, according to some example embodiments, it is possible to provide real-time/period-specific statistics related to a roboteller and an AI contact center in real time and daily by configuring results related to the roboteller and an AI contact center as a real-time/period-specific statistical screen and by providing various dashboards.

“The aforementioned features and effects of the disclosure will be apparent from the following detailed description related to the accompanying drawings and accordingly those skilled in the art to which the disclosure pertains may easily implement the technical spirit of the disclosure.”

The claims supplied by the inventors are:

“1. A system for providing an insurance service based on artificial intelligence (AI), the system comprising: a first terminal configured to provide an insurance consulting service and to filter potential customer information; a server configured to interact with the first terminal, to deliver the filtered potential customer information to the first terminal, and to deliver feedback on a quality of consultation for the insurance consulting service to the first terminal; and a plurality of second terminals configured to interact with the first terminal and the server, to deliver a request for the insurance consulting service to the server, and to receive customized insurance information about each of users from the server, wherein the server is configured to display insurance review processing results for insurance applications from the plurality of second terminals on a screen of the first terminal, when an item for a completion status for a user of which review is not completed is selected from the insurance review processing results, display review results related to an insurance application of the user for each item, and when an item for which the review results are not completed is selected, generate and output a standard script for a consulting service related to the selected item.

“2. The system of claim 1, wherein the server is configured to control a recorded voice of the user for which review is not completed to be played in the first terminal from a part corresponding to the item for which the review results are not completed, and send an additional information request for review completion to the second terminal based on the recorded voice.

“3. The system of claim 1, wherein the server is configured to control a number of misguided items among insurance applications for which review is completed to be displayed on the first terminal, when an item corresponding to the number of misguided items is selected, control information about a misguide-related check item and expression phrase and a corresponding time to be displayed on the first terminal, and control advisory comments for an insurance reviewer related to the insurance consulting service to be displayed on the first terminal based on results of the misguide-related check item and expression phrase.

“4. The system of claim 1, wherein the server is configured to display a completion status of insurance review, a review item, a completed item, and a completion rate on the first terminal as a screen in a form of a label in association with an AI automatic review processing status for the insurance application, and display an insurance classification that is a subject of the insurance application, a product classification, a product name, and a standard compliance rate of a consulting service, and a prohibited word detection rate on the first terminal as the screen in the form of the label.

“5. The system of claim 1, wherein the server is configured to control a first statistical screen related to a real-time status, a daily status, and a monthly status for AI automatic review results for the insurance application, a second statistical screen related to a status for each organization and for each type of review, a third statistical screen related to a detailed review status, a fourth statistical screen related to a misguided consultation, a fifth statistical screen related to consultation review criteria, and a sixth statistical screen related to a supplementary review failure call analysis to be generated and displayed on the first terminal.

“6. The system of claim 1, wherein the server is configured to control a first statistical screen including first information about a progress rate, a completion rate, and a retry rate for the insurance application and second information about customer information verification, a delivery of terms, a handwritten signature, a reservation cancellation, and an early cancellation for each customer to be displayed on the first terminal.

“7. The system of claim 1, wherein the server is configured to control statistical results for a retry rate and a retry success rate for each factor including a delivery of terms, a contract cancellation request, an early cancellation, a consent to collection of personal information, an insurance premium discount, and an insurance payment limitation to be displayed on the first terminal as a radial graph in relation to a consulting retry for a contract in which the insurance application is not completed.

“8. The system of claim 1, wherein the server is configured to control a first statistical screen related to roboteller call statistics related to the insurance review processing results for the insurance application, a second statistical screen related to roboteller scenario statistics, a third statistical screen related to a real-time roboteller dashboard related to an insurance consultation, a fourth statistical screen related to statistics for each roboteller item, and a fifth statistical screen related to a speech-to-text (STT) conversion, and a sixth statistical screen related to a daily roboteller dashboard to be generated and displayed on the first terminal.”

For more information, see this patent application: LEE, Young Han; SHIN, Sung Jae. System That Provides Insurance Services Based On Artificial Intelligence. U.S. Patent Application Number 20230072529, filed October 14, 2021 and posted March 9, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230072529)&db=US-PGPUB&type=ids

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