KR20020008466A - Insurance system used by on-line image transmitting and processing method thereof - Google Patents
Insurance system used by on-line image transmitting and processing method thereof Download PDFInfo
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- KR20020008466A KR20020008466A KR1020000041642A KR20000041642A KR20020008466A KR 20020008466 A KR20020008466 A KR 20020008466A KR 1020000041642 A KR1020000041642 A KR 1020000041642A KR 20000041642 A KR20000041642 A KR 20000041642A KR 20020008466 A KR20020008466 A KR 20020008466A
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본 발명은 보험처리시스템 및 그 방법에 관한 것으로, 더욱 상세하게는 무선영상전송매체를 활용하여 고객이 사고영상을 현장에서 바로 촬영하여 실시간으로 회사의 고객DB로 전송하고, 손해사정인이 고객의 보험금 산정에 필요한 조건값을 입력하여 그 값에 따라 보험금을 자동 산정하고 고객에게 전송함으로써, 고객이 가입하고 있는 각종보험을 동시에 한 화면에서 일괄적으로 확인 가능하고, 고객이 받을 수 있는 각 보험금을 통합 관리함으로써, 보상처리시간절약과 권리관계의 명확한 구분, 그리고 사고현장의 보존 및 증거를 확보할 수 있어 고객에게 보다 나은 서비스를 제공할 수 있는 온-라인 영상전송을 이용한 보험처리시스템 및 그 방법에 관한 것이다.The present invention relates to an insurance processing system and a method thereof, and more particularly, by using a wireless image transmission medium, a customer directly photographs an accident image on the spot and transmits it to the customer DB of the company in real time. By inputting the necessary condition value for the calculation and automatically calculating the insurance premium according to the value and sending it to the customer, it is possible to check the various insurances that the customer is enrolled at the same time on a single screen, and integrate the insurance benefits that the customer can receive. By managing, the insurance processing system and method using on-line video transmission, which can provide better service to customers by saving compensation processing time, clear division of rights relations, and preservation and evidence of accident site. It is about.
종래의 보상금 산정은 사고를 접수하고, 사고 당사자의 보험가입여부를 확인, 사고조사를 거친 후 보상범위를 확정하는 과정을 오프-라인으로 처리하였고, 그 과정에서 손해를 본 보험가입자는 사고현장보존의 어려움과 과실 또는 본인부담여부를 확인하지 못하는 어려움이 있었다.Conventional compensation calculations include the process of accepting an accident, confirming whether the insured party is insured, inspecting the accident, and deciding the scope of compensation off-line. There was a difficulty in checking the difficulty and negligence or the burden of self-pay.
따라서, 본 발명은 상기와 같은 종래기술의 제반 문제점을 해결하기 위하여 안출한 것으로 그 목적은, 무선영상전송매체를 활용하여 고객이 사고영상을 현장에서 바로 촬영하여 실시간으로 회사의 고객DB로 전송하고, 손해사정인이 고객의 보험금 산정에 필요한 조건값을 입력하여 그 값에 따라 보험금을 자동 산정하고 고객에게 전송함으로써, 고객이 가입하고 있는 각종보험을 동시에 한 화면에서 일괄적으로 확인 가능하고, 고객이 받을 수 있는 각보험금을 통합 관리함으로써, 보상처리시간절약과 권리관계의 명확한 구분, 그리고 사고현장의 보존 및 증거를 확보할 수 있어 고객에게 보다 나은 서비스를 제공할 수 있는 온-라인 영상전송을 이용한 보험처리시스템 및 그 방법을 제공하는데 있다.Therefore, the present invention has been made in order to solve the above problems of the prior art, the purpose of which, by using a wireless image transmission medium, the customer to take the accident image in the field and transmit it to the customer DB of the company in real time In this case, the damage assessor inputs the condition value necessary for calculating the insurance benefits of the customer, automatically calculates the insurance money according to the value, and transmits the insurance money to the customer. By integrating and managing each insurance premium that can be received, it is possible to save compensation processing time, clear separation of rights relations, and to secure and preserve the accident site and use on-line video transmission to provide better service to customers. An insurance processing system and a method thereof are provided.
도 1은 온-라인 영상전송을 이용한 보험처리시스템을 나타낸 도면.1 is a diagram showing an insurance processing system using on-line image transmission.
도 2는 온-라인 영상전송을 이용한 보험처리방법을 나타낸 도면.2 is a diagram showing an insurance processing method using on-line image transmission.
<도면의 주요부분에 대한 부호의 설명><Description of the symbols for the main parts of the drawings>
10 : 고객 영상전송매체 20 : 보험사 메인 컴퓨터10: customer video transmission medium 20: insurance company main computer
21 : 보험증서DB 22 : 보험증서개인통합보관함21: insurance policy DB 22: insurance certificate personal integrated storage
23 : 보험금산정프로그램 30 : 손해사정인PC23: Insurance payment calculation program 30: PC for claimant
40 : 보험금지급담당부서40: Insurance payment department
상기와 같은 목적을 달성하기 위한 본 발명의 온-라인 영상전송을 이용한 보험처리방법의 특징은, 고객무선영상전송매체를 통하여 보험사메인컴퓨터에 개인별로 할당된 보험증서개인통합보관함에 접속하는 단계와; 보험증서DB에 있는 고객정보를 확인하는 단계와; 상기 고객무선영상전송매체를 통하여 촬영한 사고현장영상을 전송하여 보험증서개인통합보관함에 보관하는 단계와; 손해사정인PC에 신호음 또는 접수화면 자동확대로 사고접수를 알리는 단계와; 손해사정인이 사고접수확인 및 사고 접수자의 본인여부 재확인을 위한 보험증서의 일부사항 재입력을 요청하여 기존정보와 입력정보 일치를 확인하는 단계와; 일치확인되면 보험료산정프로그램에 접속하여 동시에 한화면에서 여러 보험증서의 보장내용 및 사고현장영상을 확인하고, 사고유형에 따른 보험료 산정에 필요한 정보 및 각종 요율 항목을 선정하여 입력하는 단계와; 보험금산정프로그램에서 가보험금 산정금액을 산출하여 보험증서개인통합보관함에 가보험금 산정금액산출서를 저장하는 단계와; 고객에게 항목별로 산출된 가보험금산정서를 전송하고, 고객이 가보험금을 받아들여 승인하면 보험증서개인통함보관함으로 전송하여 저장하는 단계와; 승인사인된 가보험금을 보험금지급담당부서에 통보하여 보험증서DB에 저장되어 있는 고객계좌로 보험금을 이체하는 단계로 이루어진다.The insurance processing method using the on-line image transmission of the present invention for achieving the above object is characterized in that the step of accessing the individual insurance box assigned to the individual insurance policy assigned to the insurance company main computer via the customer wireless image transmission medium; ; Checking customer information in the insurance policy database; Transmitting the accident scene image photographed through the customer wireless image transmission medium and storing the insurance certificate in a personal integrated storage box; Notifying the reception of the accident by the beeper or the automatic expansion of the reception screen to the damage estimating PC; A damage assessor requesting re-entry of a part of the insurance certificate for confirming the receipt of the accident and reconfirming the identity of the accident receiver to confirm the existing information and the input information match; Checking the coincidence program and accessing the insurance premium calculation program at the same time, checking the insurance contents and accident scene images of the various insurance policies on one screen, and selecting and inputting information and various rate items necessary for calculating the insurance premium according to the accident type; Calculating the provisional insurance premium calculation amount in the insurance policy calculation program and storing the provisional insurance policy calculation amount calculation in the personal insurance deposit box; Transmitting the provisional insurance policy calculation calculated for each item to the customer, and if the client accepts and approves the provisional insurance money, transmits it to the insurance policy personal deposit box and stores it; It is a step of notifying the insurance payment department to approve the approved household insurance money and transferring the insurance money to the customer account stored in the insurance policy DB.
또한, 본 발명의 온-라인 영상전송을 이용한 보험처리시스템의 특징은, 보험사메인컴퓨터에 개인별로 할당된 보험증서개인통합보관함에 접속하는 고객무선영상전송매체와; 신호음 또는 접수화면 자동확대로 사고접수를 알리고, 사고접수확인 및 사고 접수자의 본인여부 재확인을 위한 보험증서의 일부사항 재입력을 요청하여 기존정보와 입력정보 일치를 확인하고, 일치확인되면 보험료산정프로그램에 접속하여 동시에 한화면에서 여러 보험증서의 보장내용 및 사고현장영상을 확인하고, 사고유형에 따른 보험료 산정에 필요한 정보 및 각종 요율 항목을 선정하여 입력하는 손해사정인PC; 보험증서DB에 있는 고객정보를 확인하고, 상기 고객무선영상전송매체를 통하여 촬영한 사고현장영상을 전송하여 보험증서개인통합보관함에 보관하고, 보험금산정프로그램에서 가보험금 산정금액을 산출하여 보험증서개인통합보관함에 가보험금 산정금액산출서를 저장하고, 고객에게 항목별로 산출된 가보험금산정서를 전송하고, 고객이 가보험금을 받아들여 승인하면 보험증서개인통합보관함으로 전송하여 저장하고, 승인사인된 가보험금을 보험금지급담당부서에 통보하여 보험증서DB에 저장되어 있는 고객계좌로 보험금을 이체하는 보험사메인컴퓨터로 이루어진다.In addition, the characteristics of the insurance processing system using the on-line image transmission of the present invention, the customer wireless image transmission medium for accessing the individual insurance box assigned to each individual insurance company main computer; Notify the receipt of the incident with automatic beep or reception screen, request re-entry of the insurance certificate for confirmation of accident acceptance and reconfirmation of the identity of the accident receiver, confirm the existing information and input information match, and if it is confirmed, premium calculation program A PC that checks the insurance contents and accident scene images of several insurance certificates at the same time on one screen, selects and inputs information and various rate items necessary for calculating insurance premiums according to the type of accident; Check the customer information in the insurance policy database, transmit the accident scene image taken through the customer wireless video transmission medium and store it in the personal insurance deposit box of insurance policy, and calculate the insurance premium calculation amount in the insurance calculation program Store the insured amount calculation of the insured amount in the integrated storage box, and send the indemnity insurance bill calculated for each item to the customer, and if the customer accepts and approves the insured amount, the insurance certificate is transferred to the personal integrated storage box for storage and approved. The insurance company consists of a main computer that notifies the insurance department in charge of insurance and transfers the insurance money to the customer account stored in the insurance policy database.
이하, 첨부된 도면들을 참조하여 본 발명의 바람직한 실시예를 상세히 설명한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 온-라인 영상전송을 이용한 보험처리시스템을 나타낸 도면이다. 도시된 바와 같이, 본 발명은 고객무선영상전송매체(10)와, 손해사정인PC(30)와, 보험증서DB(21), 보험증서개인통합보관함(22), 보험금산정프로그램(23)을 포함하는 보험사메인컴퓨터(20)로 구성된다.1 is a diagram illustrating an insurance processing system using on-line image transmission. As shown, the present invention provides a customer wireless video transmission medium 10, PC (30) of the damage assessment, insurance policy DB (21), insurance policy personal integrated storage (22), insurance payment calculation program (23) It consists of an insurance company main computer 20 to include.
상기 고객무선영상전송매체(10)는 보험사메인컴퓨터(20)에 개인별로 할당된 보험증서개인통합보관함(22)에 접속한다. 상기 손해사정인PC(30)는 신호음 또는 접수화면 자동확대로 사고접수를 알리고, 사고접수확인 및 사고 접수자의 본인여부 재확인을 위한 보험증서의 일부사항 재입력을 요청하여 기존정보와 입력정보 일치를 확인하고, 일치확인되면 보험료산정프로그램(23)에 접속하여 동시에 한 화면에서 여러 보험증서의 보장내용 및 사고현장영상을 확인하고, 사고유형에 따른 보험료 산정에 필요한 정보 및 각종 요율 항목을 선정하여 입력한다.The customer wireless video transmission medium 10 is connected to the insurance policy personal integrated storage box 22 assigned to the insurance company main computer 20 for each individual. The PC 30 of the damage estimator informs the accident reception by the automatic expansion of the beeper or the reception screen, and requests re-entry of a part of the insurance certificate for the confirmation of the accident reception and reconfirmation of the identity of the accident receiver to match the existing information with the input information. After confirming and confirming the coincidence, access the insurance calculation program 23 to check the insurance contents and accident scene images of several insurance certificates on one screen at the same time, and input and select necessary information and various rate items according to the insurance type. do.
상기 보험사메인컴퓨터(20)는 보험증서DB(21)에 있는 고객정보를 확인하고, 상기 고객무선영상전송매체(10)를 통하여 촬영한 사고현장영상을 전송하여 보험증서개인통합보관함(22)에 보관하고, 보험금산정프로그램(23)에서 가보험금 산정금액을 산출하여 보험증서개인통합보관함(22)에 가보험금 산정금액산출서를 저장하고, 고객에게 항목별로 산출된 가보험금산정서를 전송하고, 고객이 가보험금을 받아들여 승인하면 보험증서개인통함보관함(22)으로 전송하여 저장하고, 승인사인된 가보험금을 보험금지급담당부서(40)에 통보하여 보험증서DB(21)에 저장되어 있는 고객계좌로 보험금을 이체한다.The insurance company main computer 20 checks the customer information in the insurance policy DB (21), and transmits the accident scene image taken through the customer wireless image transmission medium 10 to the insurance certificate personal integrated storage box (22) It stores and calculates the amount of provisional insurance amount calculated by the insurance amount calculation program 23, stores the calculated amount of provisional insurance amount calculated in the insurance policy personal integrated storage box 22, and sends the calculated insurance premium amount calculated to each customer to the customer. After accepting and approving the provisional insurance money, the insurance policy is transferred to the individual policy deposit box (22) and stored, and the approved insurance premium is notified to the insurance payment department (40) and the customer account stored in the insurance policy database (21). The insurance money is transferred.
상기 고객무선영상전송매체(10)는 고객의 휴대전화에 내장된 카메라, 동영상휴대전화기, IMT2000, 휴대용PC인 것이 바람직하다.The customer wireless video transmission medium 10 is preferably a camera, a video mobile phone, an IMT2000, a portable PC embedded in a mobile phone of a customer.
또한, 도 2는 온-라인 영상전송을 이용한 보험처리방법을 나타낸 도면이다. 도시된 바와 같이, 고객무선영상전송매체(10)를 통하여 보험사메인컴퓨터(20)에 개인별로 할당된 보험증서개인통합보관함(22)에 접속하는 단계와; 보험증서DB(21)에 있는 고객정보를 확인하는 단계와; 상기 고객무선영상전송매체(10)를 통하여 촬영한 사고현장영상을 전송하여 보험증서개인통합보관함(22)에 보관하는 단계와; 손해사정인PC(30)에 신호음 또는 접수화면 자동확대로 사고접수를 알리는 단계와; 손해사정인(30)이 사고접수확인 및 사고 접수자의 본인여부 재확인을 위한 보험증서의 일부사항 재입력을 요청하여 기존정보와 입력정보 일치를 확인하는 단계와; 일치확인되면 보험료산정프로그램(23)에 접속하여 동시에 한 화면에서 여러 보험증서의 보장내용 및 사고현장영상을 확인하고, 사고유형에 따른 보험료 산정에 필요한 정보 및 각종 요율 항목을 선정하여 입력하는 단계와; 보험금산정프로그램(23)에서 가보험금 산정금액을 산출하여 보험증서개인통합보관함(22)에 가보험금 산정금액산출서를 저장하는 단계와; 고객에게 항목별로 산출된 가보험금산정서를 전송하고, 고객이 가보험금을 받아들여 승인하면 보험증서개인통합보관함(22)으로 전송하여 저장하는 단계와; 승인사인된 가보험금을 보험금지급담당부서(40)에 통보하여 보험증서DB(21)에 저장되어 있는 고객계좌로 보험금을 이체하는 단계로 이루어진다.2 is a diagram showing an insurance processing method using on-line image transmission. As shown, the step of accessing the insurance policy personal integrated storage box 22 assigned to the insurance company main computer 20 for each individual through the customer wireless image transmission medium (10); Checking the customer information in the insurance policy DB 21; Transmitting the accident scene image photographed through the customer wireless image transmission medium 10 and storing it in the insurance certificate personal integrated storage box 22; Informing the PC 30 of the damage assessment by the automatic reception of the beep or the reception screen; A damage assessor 30 requesting re-entry of a part of the insurance certificate for confirming the accident acceptance and reconfirming the identity of the accident acceptor to confirm the existing information and the input information match; If the match is confirmed, access to the insurance premium calculation program 23, at the same time check the contents of insurance coverage and accident scenes of multiple insurance policies on one screen, and input and select the necessary information and various rate items for the calculation of insurance premiums according to the accident type; ; Calculating the amount of provisional insurance amount calculated by the insurance amount calculation program 23 and storing the provisional amount of insurance calculated amount calculation in the personal insurance deposit box 22; Transmitting, to the customer, an insurance policy calculation calculated for each item, and if the customer accepts and approves the provisional insurance money, transmits it to the insurance policy personal integrated storage box 22 and stores it; Notify the approved provisional insurance money to the insurance payment department (40) consists of transferring the insurance money to the customer account stored in the insurance policy DB (21).
이와 같이 구성된 본 발명의 작용을 더욱 상세하게 설명하면 다음과 같다.Referring to the operation of the present invention configured in this way in more detail as follows.
먼저, 고객은 고객무선영상전송매체(10)를 통하여 보험사메인컴퓨터(20)에 개인별로 할당된 보험증서개인통합보관함(22)에 접속한다.First, the customer accesses the insurance policy personal integrated storage box 22 allocated to the insurance company main computer 20 for each individual through the customer wireless image transmission medium 10.
따라서, 보험사메인컴퓨터(20)는 보험증서DB(21)에 있는 고객정보를 확인하고, 고객은 고객무선영상전송매체(10)를 통하여 촬영한 사고현장영상을 전송하여 보험증서개인통합보관함(22)에 보관한다.Accordingly, the insurance company main computer 20 checks the customer information in the insurance policy DB 21, and the customer transmits the accident scene image photographed through the customer wireless image transmission medium 10 to store the insurance certificate personally integrated (22). ) To store.
이때, 상기 고객은 휴대전화에 내장된 카메라, 동영상휴대전화기, 휴대용PC등을 이용하여 촬영한 사고현장영상을 전송한다.At this time, the customer transmits the accident scene image taken by using a camera, a video mobile phone, a portable PC, etc. built in the mobile phone.
이후, 손해사정인PC(30)에 신호음 또는 접수화면 자동확대로 사고접수를 알리고, 손해사정인(30)이 사고접수확인 및 사고 접수자의 본인여부 재확인을 위한 보험증서의 일부사항 재입력을 요청하여 기존정보와 입력정보 일치를 확인한다.Subsequently, the damage assessor PC 30 notifies the reception of the accident with a beep or automatically expands the reception screen, and the damage assessor 30 requests re-entry of the insurance certificate for the confirmation of the accident acceptance and reconfirmation of the identity of the accident acceptor. Check the existing information and input information match.
일치 확인되면 보험료산정프로그램(23)에 접속하여 동시에 한 화면에서 여러보험증서의 보장내용 및 사고현장영상을 확인하고, 사고유형에 따른 보험료 산정에 필요한 정보 및 각종 요율 항목을 선정하여 입력한다.When the match is confirmed, the insurance premium calculation program 23 is accessed and simultaneously checks the insurance contents and accident scene images of various insurance policies on one screen, and selects and inputs information and various rate items necessary for calculating insurance premiums according to the accident type.
이후, 보험사메인컴퓨터(20)의 보험금산정프로그램(23)에서 가보험금 산정금액을 산출하여 보험증서개인통합보관함(22)에 가보험금 산정금액산출서를 저장하고, 고객에게 항목별로 산출된 가보험금산정서를 전송하고, 고객이 가보험금을 받아들여 승인하면 보험증서개인통합보관함(22)으로 전송하여 저장한다.Subsequently, the insurance premium calculation program 23 of the insurance company main computer 20 calculates the provisional insurance premium calculation amount, stores the insurance premium calculation amount calculation in the insurance policy personal integrated storage box 22, and calculates the provisional insurance premium calculated for each item to the customer. Send the sentiment, and if the customer accepts and accepts the provisional insurance money is transferred to the insurance personal storage box (22) and stored.
이후, 승인사인된 가보험금을 보험금지급담당부서(40)에 통보하여 보험증서DB(21)에 저장되어 있는 고객계좌로 보험금을 이체함으로써, 고객이 가입하고 있는 각종보험을 동시에 한 화면에서 일괄적으로 확인 가능하고, 고객이 받을 수 있는 각 보험금을 통합 관리함으로써, 보상처리시간절약과 권리관계의 명확한 구분, 그리고 사고현장의 보존 및 증거를 확보할 수 있어 고객에게 보다 나은 서비스를 제공할 수 있다.After that, the approved insurance premium is notified to the insurance payment department 40 and the insurance money is transferred to the customer account stored in the insurance policy DB 21. It is possible to provide better service to customers by saving the compensation processing time, clear separation of rights relations, and preservation and evidence of the accident site by integrating and managing each insurance premium that can be confirmed. .
이상에서는 본 발명의 바람직한 실시예에 대하여 도시하고 또한 설명하였으나, 본 발명은 상기한 실시예에 한정되지 아니하며, 청구범위에서 청구하는 본 발명의 요지를 벗어남이 없이 당해 본 발명이 속하는 분야에서 통상의 지식을 가진 자라면 누구든지 다양한 변형 실시가 가능한 것은 물론이고, 그와 같은 변경은 기재된 청구범위 내에 있게 된다.Although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments without departing from the spirit of the present invention as claimed in the claims. Various modifications can be made by those skilled in the art, and such modifications are intended to fall within the scope of the appended claims.
이상에서 설명한 바와 같이 본 발명에 따른 의하면, 무선영상전송매체를 활용하여 고객이 사고영상을 현장에서 바로 촬영하여 실시간으로 회사의 고객DB로 전송하고, 손해사정인이 고객의 보험금 산정에 필요한 조건값을 입력하여 그 값에 따라 보험금을 자동 산정하고 고객에게 전송함으로써, 고객이 가입하고 있는 각종보험을 동시에 한 화면에서 일괄적으로 확인 가능하고, 고객이 받을 수 있는 각보험금을 통합 관리함으로써, 보상처리시간절약과 권리관계의 명확한 구분, 그리고 사고현장의 보존 및 증거를 확보할 수 있어 고객에게 보다 나은 서비스를 제공할 수 있는 효과가 있다.As described above, according to the present invention, by using the wireless image transmission medium, the customer takes the accident image on-site immediately and transmits it to the customer DB of the company in real time, and the damage adjuster is required to calculate the condition value required for the customer's insurance claim. By automatically calculating the insurance benefits according to the value and sending them to the customer, it is possible to check the various insurances that the customer is enrolled at the same time on a single screen. Clear separation of savings and rights relations, and the preservation and proof of accident scenes can provide better service to customers.
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| US11532048B2 (en) | 2012-08-16 | 2022-12-20 | Allstate Insurance Company | User interactions in mobile damage assessment and claims processing |
| US11580605B2 (en) | 2012-08-16 | 2023-02-14 | Allstate Insurance Company | Feedback loop in mobile damage assessment and claims processing |
| US11625791B1 (en) | 2012-08-16 | 2023-04-11 | Allstate Insurance Company | Feedback loop in mobile damage assessment and claims processing |
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