EA040141B1 - MOBILE INSURANCE SYSTEM - Google Patents

Description

The invention relates to the field of insurance, namely to methods of insuring a mobile user terminal (mobile station MS) in mobile radio networks (MRSN) and can be used in CDMA, GSM, UMTS, LTE networks.

Insurance companies offer insurance contracts for a mobile device on the day of purchase, for which the user must provide a package of documents - a passport, a technical passport of the device, a warranty card, a check, etc. And in the event of an insured event, provide another package of documents - an application, a certificate from the police, etc. d.

Mobile insurance services have come into use, provided under the USSD protocol, which is part of the SMPP protocol. The subscriber is invited to dial a combination of characters, after which he gets to a special interface where he selects the type of insurance. The advantage of this solution is that the user does not even need to connect to the Internet, the reverse side is the occupation of the operator's signaling network, the main task of which is to meet the QoS requirements, which are not critical in this case. Due to its limitations, the USSD menu interface does not provide an opportunity to choose insurance for an individual device and is still limited to large insurance packages - life insurance, home insurance, car insurance, etc. As a drawback, the authors also note the need to coordinate the insurance contract in a working order and transfer their personal data to the manager of the insurance company. The initiator of insurance in these cases is always the user.

The above disadvantages that unite these services are the result of a small amount of automation in the provision of insurance services. As before, users are forced to agree on an insurance contract and personal data in a working order, and the amount of insurance compensation is determined administratively by employees of insurance companies. Despite the fact that the document flow in any sphere of human activity gravitates towards electronic representation, electronic digital signatures have been introduced everywhere. Mobile operators provide mobile electronic digital signatures for their subscribers, which allow using a mobile device to sign legally significant documents.

In accordance with the ETSI TS 122 016 specification, the unique identifier IMEI (International Mobile Equipment Identity) is required for use in the user's mobile equipment MS in the PLMN (Public land mobile network) - mobile network service area. Operators include to register IMEI after activating the SIM card. Clauses 4 and 5 of the specification grant operators the right to include the Equipment Identity Register (EIR) in the NSS (Network Switching System) architecture to create black and white lists of equipment, as well as the right to check IMEI for any access attempt. Operators use this right, the decimal IMEI is included in many of the messages of the standardized SPRS protocols. Moreover, various VAS, LBS (Location Based Services) services use IMEI for various profiling of subscribers. In accordance with clause 1.5 of the ETSI TS 100 616 specification, the services provided in the DMSS must be associated with IMSI, IMEI and be processed on standardized DMNS nodes. The subscriber's personal data (full name, passport, registration) sufficient to draw up a civil insurance contract are collected and stored by mobile operators when connecting to the network and providing services. Moreover, the requirements for personalization of users are being tightened (communication law) and the share of anonymous subscribers is decreasing.

Global distribution of product aggregators - Aliexpress, Yandex. Market, eBay, etc. provide an interface for obtaining up-to-date information about product offers and price lists of mobile equipment, for example, the Yandex Market partner API. Data about the location of the mobile device, tariff plan, call history and CMC, account replenishment are transmitted and stored on the operator's billing server. Subscriber profiles are created and accumulated on servers that provide VAS services in SPRS and are the object of marketing analysis for targeted advertising. The selection of mobile equipment in the EIR for IMEI black, gray and white lists allows you to make an assumption about the occurrence of an insured event, for example, when the IMEI number is moved to the black list. The above organizational and technical solutions, which are an integral part of the current state of the art, make it possible to introduce insurance automation methods into the SPRS that exclude the manual labor of insurance specialists.

At the same time, there are objective obstacles to the full automation of insurance services in the SPRS compulsory licensing of insurance activities, which is not the main one for organizations providing services in the field of telecommunications, IMEI is used to identify a mobile device, and is assigned only to MS, UE mobile equipment.

The first is obviously solved at the expense of insurance agents. The second, although it has ways of technological solutions, i.e. techniques for determining equipment in a network are known, however, they are not yet guaranteed and not standardized at the QoS level. In this regard, we can note administrative attempts to register all electronic equipment (the appearance in the media of references to bills of this kind), as well as the Internet of things paradigm, an integral consequence of which is the recognition of network objects (things).

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However, taking into account the capabilities and limitations of the current state of the art, insurance automation is guaranteed to be applicable in terms of mobile user equipment with assigned

IMEI in the SPRS offered by the authors.

Known application RU No. 2009115837 dated April 28, 2009, according to which the user, in order to conclude an insurance contract in writing, first receives a paper carrier containing an insurance policy form, in which the essential insurance conditions are correlated with alphanumeric codes, upon acceptance of which the user generates a code set, which he via SMS to the specified SMS number, thereby determining acceptable insurance conditions.

The disadvantage of this method of insurance is the preservation of paper workflow. Moreover, this method initially does not allow the insurer to determine a separate property for insurance purposes and applies to more generalized types of insurance - life, health, real estate.

A closer solution is the invention application RU No. 2003111990 dated April 24, 2003, adopted as a prototype and describing a method for making cashless transactions using mobile devices and a device for its implementation according to one of the variants of which a cashless transaction between a supplier and a consumer includes installation steps connection between the mobile electronic communication device of the consumer and the central server of the system from which information about goods and / or services is called, selection of a specific product or service, formation of a request for the purchase of the selected product, sending a commercial offer including the price of a product or service, confirmation of the transaction from a mobile device and sending an instruction to transfer the specified amount of the transaction from the central server of the system to the server of the consumer's bank.

The disadvantage of this method seems to the authors is not certainty regarding the initiation of the transaction, namely, who and how initiates the transaction - the user or the supplier. Probably, it is assumed that the user generates a request to the server for the product/service of interest that initiates the transaction. The need for such a request is also presented as a disadvantage. The need to select from a database and download to a mobile device a large amount of information regarding the product and the need for the user to choose a more suitable offer from those presented is also presented as a disadvantage. In general, these shortcomings do not allow us to define such a system as fully automated, obviously this is due to the fact that this method involves a transaction in relation to any goods and services, and the formalization of such a "generalization" is extremely difficult.

The combination of well-known technologies proposed by the authors into a single automated insurance system for mobile equipment in SPRS networks excludes manual labor and/or administrative (except for regulatory) regulation of the relationship between insurance subjects, as well as subjectivity in determining the essential conditions of insurance. The essence of the method involves the inclusion in the architecture of the SPRS server that performs the functions of an insurance agent that automates and manages insurance offers in the SPRS. As is clear to the specialist, although the scope of legal protection of the proposed method of insurance is limited to application in the PRSS for mobile user equipment, the equivalent principle of property insurance, including the identification of property, the automated determination of its price and the generation of an insurance contract on a server configured to implement the functions of an insurance agent, can be applied in other telecommunication networks in accordance with the prior art.

The technical result of the proposed system of mobile insurance is to create an insurance system that provides the possibility of full automation of the entire process of insurance of the user's mobile equipment in the SPRS. An additional result is the flexibility of insurance offers depending on the user profile.

The technical result of the mobile insurance method is achieved due to the mobile insurance system, in accordance with which an additional server is used - an insurance agent that offers the user of mobile equipment in the SPRS through this equipment a service for insuring this equipment, the user through this mobile equipment receives the service for insuring this equipment, and the insurance agent server identifies the subscriber's mobile equipment by the unique identifier of the mobile equipment used in mobile communication networks, determines the amount of insurance indemnity based on information about the price of the identified mobile equipment generated according to the data of mobile equipment commodity aggregators, and automatically generates an insurance contract in accordance with the determination of the price of mobile equipment , personal data and terms of service of the subscriber.

The technical result is implemented due to the device of the mobile insurance system, in accordance with which a server-insurance agent is additionally installed in the network of the cellular operator, which generates and transmits data to the mobile device to display the insurance offer for insurance of this mobile device, receives from the mobile device the data of the user's response to the insurance offer, if the user accepts the insurance offer, it generates and transmits data to the mobile device to display the insurance policy, and the insurance agent server is configured to identify the subscriber's mobile equipment by identifier

- 2 040141 mobile equipment used in cellular networks, determining the amount of insurance compensation based on information about the price of mobile equipment generated by it according to the data of commodity aggregators of mobile equipment and automatically generating an insurance contract for the price of the subscriber's mobile equipment, his personal data and terms of service. In this case, the server of the insurance agent can be placed on a standardized node of the core network of the cellular operator or on an additional node of the core network of the cellular operator.

The system is illustrated by drawings:

Fig. 1 represents a generalized architecture of an SPRS with an insurance agent server.

Fig. 2 illustrates an insurance offer call diagram.

Fig. 3 describes the algorithm of the insurance offer in SPRS.

The SPRS device implementing the proposed method is shown in Fig. 1 in terms of functional nodes of the concept of IN networks. The interaction of nodes is presented at the application level (application level protocols) of the open systems interaction model. The server-insurance agent 1 is presented as a node of intelligent IP periphery interacting with other network nodes via signaling and packet channels (application layer protocols).

At the hardware level, the server of the insurance agent 1 can be represented on the network as a HSS software and hardware complex that provides additional types of services (VAS services) in IN networks and connects to the SPRS through a generalized CAMEL gateway. In various implementations, the insurance agent server can be executed programmatically on a standardized SCP node and have its own SMSC for insurance dialogue with user 3 to reduce the load on the customer's SMSC. The complex illustrated in the figure is configured to capture any dialogues of the operator's core network, performs the functions of managing insurance offers in the DMSS, generating and editing insurance data, accruing and collecting insurance premiums and payments between insurance entities, the software logic of its work, which is the know-how of the authors, includes modules (interfaces) for accessing online retail and processing, such a server implementation has been tested by the authors.

SSP 2 switching service point - a standardized IN service switching node in the general case, which is a switch and performs call and mobility control functions. In SPRS of different architectures, m. presented as MSC (VMSC), SGSN (Serving GPRS Support Node) - for GSM and UMTS signaling and packet networks, MME (mobility management entity) LTE, as well as other nodes in accordance with the prior art. In the context of this application includes registers (DB) HLR, AUC, EIR.

MS 3, in the general case, a GSM phone, is a mobile user equipment in the SPRS having a Subscriber Identification Module (SIM) chip that identifies a subscriber in a GSM, LTE network.

SCP 4 is a service control node (service controller) that processes transactions of requests for the provision of services to subscribers, contains a database on subscriptions of SDP (Service Data Point) subscribers. To simplify FIG. 1 SCP includes a payment acceptance service - payment systems, such as InPlat, RuRu or others known from the prior art and which cooperate with cellular operators and banks that provide a range of financial settlements and bank card payments. At the hardware level, SCP is a high-performance multi-channel server that executes operator (provider) billing logic.

Nodes 5,6 in the general case are servers of online retail and insurance companies, in the general case they are always outside the SPRS and provide an interface for servicing in accordance with the client-server interaction paradigm.

The mobile insurance call diagram is illustrated in FIG. 2.

Attach Request (IMSI, TMSI, IMEI, MS Classmark, attach type,..) - MS sends IMEI and MS Classmark to SSP, when MS registers on the network, VMSC changes, to establish a call. Classmark is a descriptor of the capabilities of the mobile equipment used by the subscriber and contains parameters related to the ability to support voice broadcasting services, geodata, as well as various parameters for supporting radio communication parameters. The insurance agent server intercepts signal message 1 and extracts IMEI and MS Classmark - 2 catch IMEI, MS Classmark from this data, the server logic recognizes the MS brand and generates a description structure for this MS. Next, the SSP generates the IDP call states, which means that an access to intelligent services has been detected and can include the IMEI and Classmark parameters in the IDP, after which the standard CAP dialogue 3,4 SSP - SCP occurs to serve the subscriber. It is noted that the server-insurance agent can extract the necessary data to determine the equipment from the CAP of the SSP-SCP dialog. The insurance agent server sends requests to the online retailer to determine the current price of equipment 5 GET7../models/{id}/offers, and receives a JSON structure 6, XML struct{} with product offers. The final price of MS is determined by the software algorithm of the server-insurance agent according to the data obtained at stage 5 and can be adjusted according to its logic. According to the software algorithm, the server-insurance agent generates an insurance contract 9. Algorithmic generation of an insurance contract may include predefined templates of insurance contracts stored in the memory of the insurance agent server and a software product of inserting data obtained at step 5,8 into the list of template features according to the program set

- 3 040141 rules, neural networks generating texts are known from the prior art. At the same time, for marketing purposes, in order to personalize the insurance offer, the data of the subscriber's specific data node, including subscriptions to SDP (Service Data Point) services received from SCP, are taken into account. To do this, the insurance agent server sends the RequestInfo(../IMSI/..) bitmap 7 to the subscriber profile request. SCP returns the subscriber's terms of service 8 Subscriber information/.). After that, the insurance agent server sends a personalized insurance offer to the user, for which it can use signal 8 SMS INS offer and/or package 9 PUSH INS offer communication channels. After the subscriber accepts the insurance offer 12, 13 INS accept server, the insurance agent generates a request 14 POST/HTTP/., to process the mobile operator to write off the insurance premium and a request to the server of the insurance company 15 POST/HTTP/., to transfer the insurance premium. The logic of requests 14, 15 includes an appeal to payment systems that interact with the PRRS operator via the interfaces (internal API) they provide to write off the insurance premium from the subscriber's bank account and / or his current account of the PRRS subscriber, as well as credit the insurance premium to the account of the insurance company .

In another implementation of the proposed mobile insurance system (not shown in the figure), the insurance agent server can receive the IMEI via HTTP request from the operator's LBS services that profile the IMEI with other subscriber data, as well as from numerous nodes that implement additional types of VAS (Value Added Services). ) usually based on CAMEL technology (CAMEL Gateway). Such nodes also accumulate subscriber profiles including IMEI, IMSI, it eliminates the need to analyze all messages of the signaling network and capture messages that include the subscriber's IMEI and IMSI, and a request for data can be sent at any time and include all network subscribers. Such an implementation, in addition to gaining performance, allows the server to the insurance subscriber to apply one-time mass marketing approaches - discounts dedicated to certain events, etc. In another implementation, the subscriber himself can act as the initiator of insurance. In this case, the subscriber initiates a request for insurance by subscription, for example, through the USSD menu. In these implementations, the procedure for determining the cost of mobile equipment, generating and accepting an insurance contract (items 5-15 of Fig. 2) are similar to the above implementation.

The presented mobile insurance system, developed by the authors using the telecommunication technologies used at the state of the art and due to the inclusion of a new entity-server of the insurance agent in the architecture of the SPRS, automates the relations of the subjects of insurance, objectively determines the essential conditions of insurance, because eliminates the personalized subjectivity of managers and agents, has a significant gain in the time of approval of the insurance offer and, as a result, saves signaling and packet traffic in SPRS networks. Also, the mobile insurance system allows you to launch the service under the insurance offer at any time of servicing the subscriber, i.e. take into account the time both in the technical part (load on the network) and business conditions (opportune moment) of the proposal. Moreover, due to the automatic determination of the cost of mobile equipment and the formation of an insurance offer personalized, taking into account subscriber service policies, it entails a significant marketing gain for the telecom operator.

In comparison with the prototype, the proposed method eliminates the need for the user to select a large number of proposals. The consequence is a significant reduction in network exchange between nodes - the central server, mobile device, supplier database, etc. and significant memory savings on the respective nodes.

The proposed mobile insurance scheme, including the server-insurance agent developed by the authors, has been tested by the authors. The effectiveness of the scheme has been confirmed during test runs

Claims (4)

CLAIM 1. The mobile insurance system, in accordance with which the user of mobile equipment in the cellular communication network through this equipment is offered an insurance service for this equipment, the user through this mobile equipment accepts the service for insuring this equipment, characterized in that the subscriber's mobile equipment is identified by a unique to the identifier of the mobile equipment used in the SPRS, the amount of insurance indemnity is determined automatically based on information about the price of the identified mobile equipment, generated according to the data of commodity aggregators of mobile equipment, and the insurance contract is formed automatically in accordance with the determination of the price of mobile equipment, personal data and subscriber service conditions. 2. A mobile insurance system, in accordance with which a server-insurance agent is additionally installed in the network of a cellular operator, which generates and transmits data to a mobile device for displaying an insurance offer for insurance of this mobile device, receives data from a user’s response to an insurance offer from a mobile device, in if the user accepts the insurance offer, it generates and transmits to the mobile device data for displaying the insurance policy, characterized in that the server-insurance agent is configured to - 4 040141 identification of the subscriber's mobile equipment by the identifier of the mobile equipment used in cellular networks, automatic determination of the amount of insurance indemnity based on information on the price of mobile equipment, generated by it according to the data of commodity aggregators of mobile equipment, automatic formation of an insurance contract for the price of the subscriber's mobile equipment, its personal data and terms of service. 3. The mobile insurance system according to claim 2, characterized in that the insurance agent server is located on a standardized node of the cellular operator's core network. 4. The mobile insurance system according to claim 2, characterized in that the server-insurance agent is located on an additional node of the core network of the cellular operator.