• Journal of Multimedia Information System
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• 제8권1호
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• pp.69-74
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• 2021

This paper accumulates the product structure data such as bond obligation ratio and investment ratio for variable insurance using crawling from the insurance company's API, also accumulates variable insurance income and project expenses for variable insurance using crawling from the API of life insurance association. From these accumulated data, the correlation coefficient between fund product and customer preference is calculated with an investment algorithm, and variable insurance funds by customer investment preference and product structure are recommended according to market conditions. From the simulation results, it is shown that the proposed variable insurance management system properly recommends and manages variable insurance according to customer preferences.

• Asia Marketing Journal
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• 제7권3호
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• pp.105-119
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• 2005

삼성화재는 국내에서 처음으로 저축성 보험 및 연금보험을 제외한 가계성 손해보험 상품을 하나로 통합한 '삼성Super보험'을 출시하였다. 이 보험은 변화하는 외부환경의 위협에 능동적으로 대처하기 위해 개발되었으며 이 상품이 성공적으로 출시된 것은 손해 보험업에 적합한 컨설팅시스템(MCS System)을 도입하고, 전문판매조직인 SRC(Samsung Risk Consultant)의 도입 등 종합적 마케팅 전략의 결과이다. 본 사례에서는 삼성화재가 국내에서 처음으로 통합보험을 출시하기까지의 과정과 마케팅전략을 소개하고, 주요 성공요인이 무엇인지 알아본 후, 시사점과 함께 향후 과제를 함께 제시하였다.

• 한국전자거래학회지
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• 제12권1호
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• pp.99-122
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• 2007

규칙 기반 시스템은 업무 담당자의 비즈니스 노하우 및 전문 지식에 대한 처리는 물론, 기업의 비즈니스 로직까지 처리하여 새로운 비즈니스 모델 변화와 개선요구에 대해 즉각적으로 대응할 수 있는 규칙 기반 추론 엔진으로, 최근 다양한 산업으로의 적용이 시도되고 있다. 이에 이 논문에서는 규칙 기반 시스템 적용 사례의 일환으로, 다양한 소비자 니즈, 수많은 종류의 상품, 그리고 시시각각 변하는 대내외 환경에 민감하게 영향을 받는 보험 산업에서의 효율적인 보험 상품 추천과 설계를 위한 규칙 기반의 보험 상품 추천 및 설계 시스템을 설계하고 구현하고자 한다. 개발된 시스템은 퍼지추론 과정을 통해 고객의 개인정보와 기존 가입고객의 가입정보를 이용하여 보험상품 설계를 원하는 고객에게 맞춤형 보험상품을 추천하고 설계하고자 한다. 이러한 시도는 향후 보험 산업에 있어서 상품에 대한 다양한 고객들의 니즈를 즉각적으로 판단하고 대응하여 보다 정확하고, 고객 개개인의 욕구에 맞는 맞춤형 상품추천 및 설계를 위한 핵심 기술로서 자리 잡을 수 있을 것으로 기대된다.

• 보험의학회지
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• 제24권
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• pp.21-25
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• 2005

• 한국IT서비스학회지
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• 제2권2호
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• pp.63-73
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• 2003

Insurance system has a lot of decision factors which are affected by the kinds of insurance products. and has the features of many exceptions. Since in applying the product attributes to the current system the value definition through tables and the exception treatment logic (if then else) are used in parallel, the cost of a product change and a new product development becomes increased and the prompt market reaction is difficult. In this paper, we propose the well formed rule base system which makes data for the business logic of insurance attributes and discuss the benefit of application of this system to the real project.

• 경영과정보연구
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• 제14권
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• pp.195-214
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• 2004

The purpose of this study is to find proper strategies for the reinforcement of brand image in the online insurance retail stores. First, from theoretical backgrounds, I have investigated acquisition effects, strategies for changing brand image, decisions on a product position and product differentiation under various strategic marketing factors based on the reinforcement strategies of brand image. Second, there is a significant difference between corporate/on-line insurance retail store names recalled first and brand names recalled first. Third, in terms of consumers' preferences, there exists a substantial difference between corporate/on-line insurance retail stores and brands. From this study, the following conclusions are drawn. First, on-line insurance retail stores and brand image should be carefully developed and used as a tool to secure competitive advantages. Second, on-line insurance retail stores and brand image should be considered and continuously enhanced as an important asset for the on-line insurance retail stores. As the importance of brands grows, brand management is an essential step for powering brands.

• 보험의학회지
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• 제27권1호
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• pp.18-20
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• 2008

I have taught various case audit underwriting methods to underwriters for many years. Underwriting requires specialized medical knowledge and experience of comprehensive individual risk analysis. Decisions in individualized underwriting depend on the insurance company's management philosophy and vision, marketing strategies, culture, product line etc. They also depend on the information acquired through proposal forms, inspection reports, laboratory results and disclosures. Underwriters match this acquired information to each insurance product, search appropriate medical resources, assess the probabilities of future claims, and decide what, if any, further medical information should be gathered. Sources include doctors' reports, medical records, biopsies, blood and urine tests, CT, MRI, Holter monitoring, sonography etc. Insurance medical directors help and teach underwriters to analyze individual medical risks and make effective.

• 대한안전경영과학회지
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• 제10권4호
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• pp.309-314
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• 2008

Many studies on predicting and recommending information and products have been studying to meet customers' preference. Unnecessary information should be removed to satisfy customers' needs in massive information. The some information filtering methods to remove unnecessary information have been suggested but these methods have scarcity and scalability problems. Therefore, this paper explores a personalized recommendation system based on artificial neural network (ANN) to solve these problems. The insurance product recommendation is adapted as an example to demonstrate the proposed method. The proposed recommendation system is expected to recommended a suitable and personalized insurance products for customers' satisfaction.

• 산업경영시스템학회지
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• 제29권3호
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• pp.87-95
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• 2006

In this paper, an approach for analyzing brand loyalty and brand switching behavior in car insurance market is presented. A two-choice model by Blumen, et al. that uses Markov chain is adopted as a main technique for estimating brand parameters. Survey data have been collected through personal interviews with questionnaires. Following the application of the model to the data, it is found that there are five leading companies in car insurance market where the number of potential brand switchers is larger than that of brand loyal customers. Therefore, differentiation of this product along with the conversion of this low-involvement product to a high-involvement one could make car insurance stand out against a somewhat undifferentiated field of competitors.

• 대한안전경영과학회:학술대회논문집
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• 대한안전경영과학회 2001년도 춘계학술대회
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• pp.235-239
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• 2001

The purpose of this study is to develop an insurance system for product quality liability(PQL) by reviewing some legal issues concerning the product liability It is concluded that the purpose and the function of PQL insurance have to be considered with robust experience data for the life of product, quality system of the company, size of company, the number and amount of products produced by a company and the type of company etc. And this article reviews some problems of policy including the possibility of anti-selection and reverse selection.